Share Price and Basic Stock Data
Last Updated: January 28, 2026, 4:12 pm
| PEG Ratio | 0.24 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Punjab National Bank (PNB) operates in the public sector banking industry and reported a share price of ₹124 with a market capitalization of ₹1,42,751 Cr. The bank’s revenue trajectory has shown consistent growth, with revenues increasing from ₹20,588 Cr in September 2022 to ₹26,858 Cr in September 2023. This upward trend in revenue reflects a robust operational performance, supported by rising interest income, which stood at ₹16,820 Cr in the latest quarter. Looking ahead, PNB’s revenue is projected to reach ₹124,010 Cr by March 2025, indicating a steady compound annual growth rate. This growth is further bolstered by PNB’s ability to efficiently manage its expenses, which decreased to ₹9,449 Cr in December 2023, showcasing improved cost management. The bank’s focus on expanding its loan book and enhancing customer service could contribute positively to revenue generation moving forward.
Profitability and Efficiency Metrics
Punjab National Bank has recorded notable improvements in its profitability metrics. The bank’s net profit rose to ₹17,110 Cr, reflecting a net profit margin of 14.06% as of March 2025. This is a significant increase from previous years, driven by an effective interest rate management strategy, which helped the net interest margin stand at 2.33. The return on equity (ROE) is reported at 15.2%, indicating a strong capability to generate returns for shareholders relative to equity. Additionally, the financing profit has shown a turnaround, moving from negative figures in previous quarters to a positive ₹959 Cr in December 2023. However, the bank’s operating profit margin (OPM) remains unreported, which could be a point of concern when assessing overall operational efficiency against sector norms.
Balance Sheet Strength and Financial Ratios
Punjab National Bank’s balance sheet demonstrates considerable strength, with total assets reported at ₹1,920,935 Cr as of September 2025. The bank’s reserves have grown to ₹139,948 Cr, reflecting a solid capital base that supports its lending activities. The equity capital has also seen an increase, standing at ₹2,299 Cr as of March 2025. The price-to-book value ratio of 0.88 indicates that the bank’s shares are trading below their book value, suggesting potential undervaluation. In terms of efficiency, the cost-to-income ratio is reported at 54.47%, showing an improvement in cost management. However, the bank’s return on assets (ROA) of 0.99% remains relatively low compared to sector averages, indicating that while PNB is improving, there is still room for enhancing asset utilization to drive profitability.
Shareholding Pattern and Investor Confidence
The shareholding structure of Punjab National Bank reflects a strong promoter commitment, with promoters holding 70.08% of the total shares as of September 2025. Foreign institutional investors (FIIs) have increased their stake to 5.67%, signaling growing confidence from foreign investors. Domestic institutional investors (DIIs) hold a substantial 15.54%, indicating a solid backing from local investment entities. However, the public shareholding has declined to 8.70%, which may suggest a consolidation of shares among major stakeholders. The number of shareholders has also seen a decline to 24,55,484, which could reflect a consolidation trend in ownership. This concentrated ownership structure may pose risks related to liquidity and market sentiment, as significant share movements by large stakeholders can lead to volatility in stock prices.
Outlook, Risks, and Final Insight
Punjab National Bank’s outlook appears positive, supported by its robust revenue growth and improving profitability metrics. However, the bank faces several risks, including potential fluctuations in the interest rate environment and credit quality concerns that could impact its net interest margin and asset quality. The bank’s ability to maintain its growth trajectory will depend on effective risk management strategies and maintaining asset quality amid economic uncertainties. Additionally, regulatory changes in the banking sector could pose challenges. If PNB can successfully navigate these risks while continuing to enhance its operational efficiencies, it is positioned for sustained growth. Conversely, failure to address these concerns could hinder its performance and affect investor confidence.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,38,932 Cr. | 182 | 183/107 | 7.43 | 172 | 2.64 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,540 Cr. | 29.1 | 44.2/26.8 | 13.9 | 26.5 | 1.35 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,81,030 Cr. | 1,063 | 1,065/680 | 12.5 | 617 | 1.52 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,43,087 Cr. | 124 | 135/85.5 | 8.09 | 130 | 2.36 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,683 Cr. | 27.7 | 50.5/25.2 | 16.2 | 19.6 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 159,757.38 Cr | 245.57 | 10.15 | 180.98 | 1.82% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 20,588 | 22,808 | 24,305 | 25,673 | 26,858 | 27,852 | 28,682 | 29,145 | 30,447 | 31,895 | 32,523 | 32,572 | 32,513 |
| Interest | 12,172 | 13,513 | 14,690 | 16,064 | 16,820 | 17,444 | 18,206 | 18,536 | 19,790 | 20,738 | 21,640 | 21,828 | 21,858 |
| Expenses | 10,493 | 11,578 | 10,813 | 10,990 | 10,259 | 9,449 | 9,831 | 8,473 | 8,592 | 7,494 | 9,142 | 9,197 | 8,299 |
| Financing Profit | -2,077 | -2,282 | -1,197 | -1,381 | -221 | 959 | 646 | 2,136 | 2,065 | 3,663 | 1,742 | 1,547 | 2,356 |
| Financing Margin % | -10% | -10% | -5% | -5% | -1% | 3% | 2% | 7% | 7% | 11% | 5% | 5% | 7% |
| Other Income | 2,704 | 3,325 | 3,827 | 3,360 | 2,999 | 2,676 | 4,294 | 3,615 | 4,664 | 3,392 | 4,776 | 5,427 | 4,171 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 626 | 1,043 | 2,630 | 1,979 | 2,778 | 3,634 | 4,940 | 5,751 | 6,729 | 7,055 | 6,518 | 6,973 | 6,527 |
| Tax % | 42% | 37% | 34% | 39% | 36% | 38% | 37% | 35% | 34% | 34% | 29% | 74% | 26% |
| Net Profit | 496 | 715 | 1,876 | 1,363 | 1,990 | 2,441 | 3,363 | 3,991 | 4,739 | 4,811 | 5,011 | 2,167 | 5,121 |
| EPS in Rs | 0.45 | 0.64 | 1.69 | 1.22 | 1.81 | 2.21 | 3.04 | 3.61 | 4.10 | 4.18 | 4.34 | 1.84 | 4.46 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: December 29, 2025, 11:35 am
Below is a detailed analysis of the quarterly data for Punjab National Bank based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 21,858.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 21,828.00 Cr. (Jun 2025) to 21,858.00 Cr., marking an increase of 30.00 Cr..
- For Expenses, as of Sep 2025, the value is 8,299.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 9,197.00 Cr. (Jun 2025) to 8,299.00 Cr., marking a decrease of 898.00 Cr..
- For Other Income, as of Sep 2025, the value is 4,171.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,427.00 Cr. (Jun 2025) to 4,171.00 Cr., marking a decrease of 1,256.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 6,527.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,973.00 Cr. (Jun 2025) to 6,527.00 Cr., marking a decrease of 446.00 Cr..
- For Tax %, as of Sep 2025, the value is 26.00%. The value appears to be improving (decreasing) as expected. It has decreased from 74.00% (Jun 2025) to 26.00%, marking a decrease of 48.00%.
- For Net Profit, as of Sep 2025, the value is 5,121.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,167.00 Cr. (Jun 2025) to 5,121.00 Cr., marking an increase of 2,954.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 4.46. The value appears strong and on an upward trend. It has increased from 1.84 (Jun 2025) to 4.46, marking an increase of 2.62.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:46 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 44,958 | 48,710 | 50,804 | 48,058 | 48,725 | 52,147 | 54,918 | 81,935 | 76,242 | 86,845 | 109,065 | 124,010 | 129,503 |
| Interest | 28,220 | 31,343 | 34,331 | 32,722 | 33,530 | 34,656 | 36,997 | 50,805 | 46,823 | 51,817 | 68,534 | 80,704 | 86,063 |
| Expenses | 16,112 | 18,760 | 27,453 | 22,533 | 43,345 | 39,645 | 25,867 | 38,601 | 36,026 | 41,502 | 39,623 | 33,893 | 34,131 |
| Financing Profit | 626 | -1,394 | -10,980 | -7,197 | -28,151 | -22,153 | -7,946 | -7,470 | -6,607 | -6,473 | 908 | 9,413 | 9,308 |
| Financing Margin % | 1% | -3% | -22% | -15% | -58% | -42% | -14% | -9% | -9% | -7% | 1% | 8% | 7% |
| Other Income | 4,710 | 6,175 | 6,100 | 9,168 | 8,883 | 7,367 | 9,388 | 12,777 | 12,329 | 12,529 | 14,158 | 17,560 | 17,765 |
| Depreciation | 367 | 384 | 413 | 430 | 581 | 584 | 614 | 982 | 896 | 905 | 906 | 958 | 0 |
| Profit before tax | 4,969 | 4,397 | -5,293 | 1,540 | -19,849 | -15,370 | 827 | 4,325 | 4,826 | 5,151 | 14,160 | 26,015 | 27,073 |
| Tax % | 29% | 24% | -31% | 41% | -37% | -35% | 56% | 38% | 19% | 35% | 35% | 29% | |
| Net Profit | 3,674 | 3,525 | -3,510 | 1,239 | -12,111 | -9,550 | 485 | 2,695 | 3,908 | 3,359 | 9,157 | 18,553 | 17,110 |
| EPS in Rs | 19.98 | 18.33 | -18.79 | 5.58 | -43.88 | -20.79 | 0.65 | 2.45 | 3.51 | 3.04 | 8.27 | 16.08 | 14.82 |
| Dividend Payout % | 10% | 18% | -2% | 0% | 0% | 0% | 0% | 0% | 18% | 21% | 18% | 18% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -4.06% | -199.57% | 135.30% | -1077.48% | 21.15% | 105.08% | 455.67% | 45.01% | -14.05% | 172.61% | 102.61% |
| Change in YoY Net Profit Growth (%) | 0.00% | -195.52% | 334.87% | -1212.78% | 1098.63% | 83.93% | 350.59% | -410.66% | -59.06% | 186.66% | -70.00% |
Punjab National Bank has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 18% |
| 3 Years: | 18% |
| TTM: | 13% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 111% |
| 3 Years: | 69% |
| TTM: | 42% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -2% |
| 5 Years: | 25% |
| 3 Years: | 41% |
| 1 Year: | -9% |
| Return on Equity | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | 7% |
| 3 Years: | 9% |
| Last Year: | 15% |
Last Updated: September 5, 2025, 12:45 pm
Balance Sheet
Last Updated: December 10, 2025, 3:17 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 362 | 371 | 393 | 426 | 552 | 921 | 1,348 | 2,096 | 2,202 | 2,202 | 2,202 | 2,299 | 2,299 |
| Reserves | 37,731 | 41,669 | 41,412 | 42,990 | 40,965 | 45,164 | 62,529 | 90,439 | 95,380 | 100,678 | 108,185 | 130,839 | 139,948 |
| Deposits | 476,325 | 537,758 | 570,383 | 629,651 | 648,439 | 681,874 | 710,254 | 1,113,717 | 1,154,234 | 1,290,347 | 1,379,225 | 1,577,020 | 1,629,131 |
| Borrowing | 43,912 | 36,692 | 81,674 | 43,336 | 65,330 | 46,828 | 62,512 | 52,298 | 59,372 | 70,149 | 72,586 | 105,807 | 109,162 |
| Other Liabilities | 16,490 | 19,522 | 18,932 | 16,909 | 22,242 | 15,333 | 14,814 | 21,176 | 28,113 | 30,273 | 36,438 | 41,579 | 40,395 |
| Total Liabilities | 574,820 | 636,011 | 712,793 | 733,311 | 777,528 | 790,120 | 851,457 | 1,279,725 | 1,339,301 | 1,493,649 | 1,598,636 | 1,857,544 | 1,920,935 |
| Fixed Assets | 3,490 | 3,656 | 5,308 | 6,298 | 6,371 | 6,246 | 7,262 | 11,049 | 10,696 | 12,084 | 12,348 | 13,083 | 15,624 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 149,225 | 156,762 | 165,126 | 191,527 | 204,419 | 210,578 | 253,782 | 404,369 | 388,586 | 416,914 | 446,421 | 524,840 | 531,967 |
| Other Assets | 422,105 | 475,594 | 542,358 | 535,486 | 566,738 | 573,295 | 590,413 | 864,307 | 940,019 | 1,064,651 | 1,139,867 | 1,319,620 | 1,373,344 |
| Total Assets | 574,820 | 636,011 | 712,793 | 733,311 | 777,528 | 790,120 | 851,457 | 1,279,725 | 1,339,301 | 1,493,649 | 1,598,636 | 1,857,544 | 1,920,935 |
Below is a detailed analysis of the balance sheet data for Punjab National Bank based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 2,299.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 2,299.00 Cr..
- For Reserves, as of Sep 2025, the value is 139,948.00 Cr.. The value appears strong and on an upward trend. It has increased from 130,839.00 Cr. (Mar 2025) to 139,948.00 Cr., marking an increase of 9,109.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 40,395.00 Cr.. The value appears to be improving (decreasing). It has decreased from 41,579.00 Cr. (Mar 2025) to 40,395.00 Cr., marking a decrease of 1,184.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 1,920,935.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,857,544.00 Cr. (Mar 2025) to 1,920,935.00 Cr., marking an increase of 63,391.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 15,624.00 Cr.. The value appears strong and on an upward trend. It has increased from 13,083.00 Cr. (Mar 2025) to 15,624.00 Cr., marking an increase of 2,541.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 531,967.00 Cr.. The value appears strong and on an upward trend. It has increased from 524,840.00 Cr. (Mar 2025) to 531,967.00 Cr., marking an increase of 7,127.00 Cr..
- For Other Assets, as of Sep 2025, the value is 1,373,344.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,319,620.00 Cr. (Mar 2025) to 1,373,344.00 Cr., marking an increase of 53,724.00 Cr..
- For Total Assets, as of Sep 2025, the value is 1,920,935.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,857,544.00 Cr. (Mar 2025) to 1,920,935.00 Cr., marking an increase of 63,391.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -460.00 | -519.00 | -543.00 | -607.00 | -605.00 | -642.00 | -685.00 | 37.00 | 35.00 | 40.00 | 38.00 | 32.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 10% | 8% | -9% | 3% | -29% | -22% | 1% | 3% | 4% | 3% | 9% | 15% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI Contra Fund | 113,256,586 | 2.8 | 1399.62 | 100,456,586 | 2025-12-15 06:44:46 | 12.74% |
| SBI Balanced Advantage Fund | 55,770,108 | 1.73 | 689.21 | N/A | N/A | N/A |
| SBI ELSS Tax Saver Fund | 27,890,616 | 1.06 | 344.67 | N/A | N/A | N/A |
| HSBC Value Fund | 25,520,900 | 2.14 | 315.39 | N/A | N/A | N/A |
| SBI Large & Midcap Fund | 23,200,000 | 0.77 | 286.71 | N/A | N/A | N/A |
| SBI Multicap Fund | 14,600,000 | 0.76 | 180.43 | N/A | N/A | N/A |
| SBI Multi Asset Allocation Fund | 13,000,000 | 1.23 | 160.65 | N/A | N/A | N/A |
| Tata Arbitrage Fund | 9,768,000 | 0.6 | 120.71 | 9,464,000 | 2026-01-26 06:46:52 | 3.21% |
| JM Flexicap Fund | 7,859,999 | 1.78 | 97.13 | N/A | N/A | N/A |
| DSP Arbitrage Fund | 6,904,000 | 1.22 | 85.32 | 5,704,000 | 2026-01-26 06:46:52 | 21.04% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 16.42 | 8.27 | 3.04 | 3.53 | 2.64 |
| Diluted EPS (Rs.) | 16.42 | 8.27 | 3.04 | 3.53 | 2.64 |
| Cash EPS (Rs.) | 16.01 | 8.39 | 3.61 | 4.15 | 2.99 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 108.61 | 92.71 | 85.76 | 82.22 | 81.44 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 115.84 | 100.25 | 93.43 | 88.62 | 88.32 |
| Operating Revenue / Share (Rs.) | 107.90 | 99.05 | 78.87 | 69.24 | 78.13 |
| Net Profit / Share (Rs.) | 15.17 | 7.56 | 2.79 | 3.34 | 2.05 |
| Net Profit After MI / Share (Rs.) | 16.08 | 8.27 | 3.04 | 3.51 | 2.44 |
| Net Profit Margin (%) | 14.06 | 7.63 | 3.53 | 4.82 | 2.62 |
| Net Profit After MI And SOA Nargin (%) | 14.90 | 8.35 | 3.85 | 5.06 | 3.12 |
| Operating Profit Margin (%) | 29.18 | 15.46 | 6.49 | 8.85 | 4.87 |
| Return On Assets (%) | 0.99 | 0.56 | 0.22 | 0.28 | 0.20 |
| Return On Equity / Networth (%) | 14.80 | 8.92 | 3.54 | 4.26 | 3.00 |
| Net Interest Margin (X) | 2.33 | 2.53 | 2.34 | 2.19 | 2.42 |
| Cost To Income (%) | 54.47 | 53.48 | 51.48 | 49.35 | 46.43 |
| Interest Income / Total Assets (%) | 6.67 | 6.82 | 5.81 | 5.69 | 6.39 |
| Non-Interest Income / Total Assets (%) | 0.88 | 0.83 | 0.81 | 0.90 | 1.02 |
| Operating Profit / Total Assets (%) | 0.05 | -0.31 | -0.61 | -0.62 | -0.85 |
| Operating Expenses / Total Assets (%) | 1.75 | 1.80 | 1.62 | 1.52 | 1.60 |
| Interest Expenses / Total Assets (%) | 4.34 | 4.28 | 3.46 | 3.49 | 3.96 |
| Enterprise Value (Rs.Cr.) | 1728918.94 | 1523407.52 | 1333714.55 | 1195171.85 | 1160148.44 |
| EV Per Net Sales (X) | 13.94 | 13.97 | 15.36 | 15.68 | 14.17 |
| Price To Book Value (X) | 0.88 | 1.34 | 0.54 | 0.42 | 0.45 |
| Price To Sales (X) | 0.89 | 1.26 | 0.59 | 0.50 | 0.46 |
| Retention Ratios (%) | 81.96 | 81.86 | 78.62 | 81.74 | 92.95 |
| Earnings Yield (X) | 0.16 | 0.06 | 0.06 | 0.10 | 0.06 |
After reviewing the key financial ratios for Punjab National Bank, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 16.42. This value is within the healthy range. It has increased from 8.27 (Mar 24) to 16.42, marking an increase of 8.15.
- For Diluted EPS (Rs.), as of Mar 25, the value is 16.42. This value is within the healthy range. It has increased from 8.27 (Mar 24) to 16.42, marking an increase of 8.15.
- For Cash EPS (Rs.), as of Mar 25, the value is 16.01. This value is within the healthy range. It has increased from 8.39 (Mar 24) to 16.01, marking an increase of 7.62.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 108.61. It has increased from 92.71 (Mar 24) to 108.61, marking an increase of 15.90.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 115.84. It has increased from 100.25 (Mar 24) to 115.84, marking an increase of 15.59.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 15.17. This value is within the healthy range. It has increased from 7.56 (Mar 24) to 15.17, marking an increase of 7.61.
- For Net Profit Margin (%), as of Mar 25, the value is 14.06. This value exceeds the healthy maximum of 10. It has increased from 7.63 (Mar 24) to 14.06, marking an increase of 6.43.
- For Return On Assets (%), as of Mar 25, the value is 0.99. This value is below the healthy minimum of 5. It has increased from 0.56 (Mar 24) to 0.99, marking an increase of 0.43.
- For Retention Ratios (%), as of Mar 25, the value is 81.96. This value exceeds the healthy maximum of 70. It has increased from 81.86 (Mar 24) to 81.96, marking an increase of 0.10.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Punjab National Bank:
- Net Profit Margin: 14.06%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.22%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 14.34%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 8.09 (Industry average Stock P/E: 10.15)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 14.06%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | Plot No. 4, Sector -10, New Delhi Delhi 110075 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. K G Ananthakrishnan | Non Executive Chairman |
| Mr. Ashok Chandra | Managing Director & CEO |
| Mr. D Surendran | Executive Director |
| Mr. M Paramasivam | Executive Director |
| Mr. Bibhu Prasad Mahapatra | Executive Director |
| Mr. Kalyan Kumar | Executive Director |
| Mr. Ambarish Ojha | Shareholder Director |
| Mr. Jatinder Singh Bajaj | Shareholder Director |
| Mr. Pankaj Sharma | Government Nominee Director |
| Mrs. Uma Sankar | Nominee Director |
FAQ
What is the intrinsic value of Punjab National Bank?
Punjab National Bank's intrinsic value (as of 28 January 2026) is ₹174.60 which is 40.81% higher the current market price of ₹124.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,43,087 Cr. market cap, FY2025-2026 high/low of ₹135/85.5, reserves of ₹139,948 Cr, and liabilities of ₹1,920,935 Cr.
What is the Market Cap of Punjab National Bank?
The Market Cap of Punjab National Bank is 1,43,087 Cr..
What is the current Stock Price of Punjab National Bank as on 28 January 2026?
The current stock price of Punjab National Bank as on 28 January 2026 is ₹124.
What is the High / Low of Punjab National Bank stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Punjab National Bank stocks is ₹135/85.5.
What is the Stock P/E of Punjab National Bank?
The Stock P/E of Punjab National Bank is 8.09.
What is the Book Value of Punjab National Bank?
The Book Value of Punjab National Bank is 130.
What is the Dividend Yield of Punjab National Bank?
The Dividend Yield of Punjab National Bank is 2.36 %.
What is the ROCE of Punjab National Bank?
The ROCE of Punjab National Bank is 6.32 %.
What is the ROE of Punjab National Bank?
The ROE of Punjab National Bank is 15.2 %.
What is the Face Value of Punjab National Bank?
The Face Value of Punjab National Bank is 2.00.