PEL

P/E (TTM) 46.7×, well above sector average (15×) P/B Ratio 1.0×, in line with industry norms EPS (TTM) ₹25.6–25.7 per share ROE (TTM) 1.8–1.9% — very low profitability relative to equity base Dividend Yield 0.9% (last dividend ₹11/shr) Strengths Revenue growth and rising net interest income in the financial services segment. Technical channel suggests upside potential if the stock reclaims near-term support levels. Stable dividends (0.9%) offer modest yield. Headwinds Low ROE (2%) and thin margins reduce appeal relative to peers. Elevated valuation (P/E 47×) compared to sector avg (15×). GST tax dispute and provisioning pressure cloud near-term earnings visibility.