Share Price and Basic Stock Data
Last Updated: January 8, 2026, 7:55 am
| PEG Ratio | 0.25 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Punjab National Bank (PNB), a key player in the public sector banking space, reported a price of ₹126 and a market capitalization of ₹1,44,443 Cr. Over recent quarters, PNB has shown a consistent upward trajectory in revenue, which rose from ₹20,588 Cr in September 2022 to ₹26,858 Cr by September 2023. This trend is indicative of robust operational performance, with quarterly revenues projected to reach ₹30,447 Cr by September 2024. The bank’s interest income also followed suit, increasing from ₹12,172 Cr in September 2022 to ₹16,820 Cr in September 2023, signaling improved lending activities. Other income has remained steady, contributing positively to the revenue mix, with a notable uptick to ₹4,294 Cr in March 2024. Overall, the positive revenue growth reflects PNB’s strategic initiatives aimed at enhancing customer outreach and expanding its credit portfolio, positioning it favorably within the competitive banking landscape.
Profitability and Efficiency Metrics
PNB’s profitability metrics present a compelling picture of operational efficiency. The bank recorded a net profit of ₹17,110 Cr for the most recent fiscal year, translating to an impressive return on equity (ROE) of 15.2%. The financing profit margin has shown significant improvement, moving from a negative margin of -10% in September 2022 to a positive 3% by December 2023. This turnaround is further evidenced by an increase in the net profit margin, which stood at 14.06% for the fiscal year ending March 2025. The cost-to-income ratio also reveals operational efficiencies, reported at 54.47%, indicating that PNB is managing its costs effectively relative to its income. However, the return on capital employed (ROCE) remains lower at 6.32%, suggesting room for improvement in capital utilization. The steady increase in profitability, coupled with cost management, reflects PNB’s commitment to enhancing shareholder value.
Balance Sheet Strength and Financial Ratios
Punjab National Bank’s balance sheet exhibits solid fundamentals, with total assets amounting to ₹1,920,935 Cr as of September 2025. The bank’s reserves have increased significantly, reaching ₹139,948 Cr, which demonstrates strong retained earnings and a solid capital base. The bank’s borrowing stood at ₹109,162 Cr, showing a prudent approach to leverage, while deposits rose to ₹1,629,131 Cr, reflecting depositor confidence. Financial ratios indicate a healthy position; the price-to-book value ratio stands at 0.88, suggesting the stock is undervalued compared to its book value. The net interest margin of 2.33x is relatively competitive within the sector, although the asset quality, as indicated by the absence of gross and net NPA percentages, remains to be further detailed. Overall, PNB’s financial metrics affirm its stability and capacity to absorb shocks while pursuing growth initiatives.
Shareholding Pattern and Investor Confidence
The shareholding structure of Punjab National Bank reveals significant institutional backing, which is crucial for investor confidence. Promoters hold 70.08% of the bank, a stable figure that has seen a slight decline from 73.15% over recent quarters. Foreign institutional investors (FIIs) have increased their stake to 5.67%, reflecting growing international interest in PNB. Domestic institutional investors (DIIs) have also raised their holdings to 15.54%, indicating robust local support. The public shareholding stands at 8.70%, showcasing a diverse investor base. The total number of shareholders has increased to 24,55,484, highlighting a growing retail interest in the bank’s equity. This diversified shareholding pattern strengthens PNB’s governance and reflects a positive outlook among stakeholders, which is essential for long-term growth.
Outlook, Risks, and Final Insight
Looking ahead, Punjab National Bank is poised for growth, driven by its expanding revenue base and improving profitability metrics. However, potential risks include fluctuations in interest rates, which could impact the bank’s net interest margin, and the need for continued focus on asset quality management to mitigate any rise in NPAs. Additionally, the competitive landscape in the banking sector may pressure margins. PNB’s strategic initiatives to enhance digital banking and customer outreach will be critical in navigating these risks. Should the bank maintain its current trajectory of profit growth and cost management, it could further enhance shareholder returns. Conversely, any adverse economic conditions could pose challenges, necessitating agile responses to ensure sustained performance.
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 | 1,26,970 Cr. | 166 | 167/101 | 6.87 | 165 | 2.86 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 37,481 Cr. | 29.9 | 46.3/26.8 | 14.9 | 25.9 | 1.30 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,29,662 Cr. | 1,007 | 1,024/680 | 11.8 | 617 | 1.58 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,44,443 Cr. | 126 | 128/85.5 | 8.48 | 124 | 2.31 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 20,315 Cr. | 28.6 | 52.0/25.2 | 17.5 | 19.2 | 0.24 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 153,184.85 Cr | 232.58 | 10.34 | 177.23 | 1.84% | 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 | 2.83 | 1410.04 | 100,456,586 | 2025-12-15 06:44:46 | 12.74% |
| SBI Balanced Advantage Fund | 55,770,108 | 1.77 | 694.34 | N/A | N/A | N/A |
| SBI ELSS Tax Saver Fund | 27,890,616 | 1.07 | 347.24 | N/A | N/A | N/A |
| HSBC Value Fund | 25,520,900 | 2.18 | 317.74 | N/A | N/A | N/A |
| SBI Large & Midcap Fund | 23,200,000 | 0.78 | 288.84 | N/A | N/A | N/A |
| SBI Multicap Fund | 14,600,000 | 0.76 | 181.77 | N/A | N/A | N/A |
| Tata Arbitrage Fund | 9,464,000 | 0.58 | 117.83 | 9,488,000 | 2025-12-15 06:44:46 | -0.25% |
| UTI Arbitrage Fund | 6,336,000 | 0.74 | 78.88 | 10,632,000 | 2025-12-15 06:44:46 | -40.41% |
| Parag Parikh Flexi Cap Fund | 6,064,000 | 0.06 | 75.5 | N/A | N/A | N/A |
| DSP Arbitrage Fund | 5,704,000 | 1.07 | 71.01 | N/A | N/A | N/A |
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: 8.48 (Industry average Stock P/E: 10.34)
- 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 08 January 2026) is ₹130.82 which is 3.83% higher the current market price of ₹126.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,44,443 Cr. market cap, FY2025-2026 high/low of ₹128/85.5, 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 1,44,443 Cr..
What is the current Stock Price of Punjab National Bank as on 08 January 2026?
The current stock price of Punjab National Bank as on 08 January 2026 is ₹126.
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 ₹128/85.5.
What is the Stock P/E of Punjab National Bank?
The Stock P/E of Punjab National Bank is 8.48.
What is the Book Value of Punjab National Bank?
The Book Value of Punjab National Bank is 124.
What is the Dividend Yield of Punjab National Bank?
The Dividend Yield of Punjab National Bank is 2.31 %.
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.