Share Price and Basic Stock Data
Last Updated: October 18, 2025, 6:23 pm
| PEG Ratio | 0.23 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Punjab National Bank (PNB) operates in the public sector banking space in India, with its latest price standing at ₹117 and a market capitalization of ₹1,34,341 Cr. The bank recorded a robust revenue stream, with total revenue reaching ₹86,845 Cr for the financial year ending March 2023, showcasing a significant rise from ₹76,242 Cr in March 2022. The revenue has shown a consistent upward trajectory over the quarters, with the latest quarterly revenue reported at ₹26,858 Cr for September 2023, up from ₹25,673 Cr in June 2023. This steady growth reflects PNB’s effective operational strategies and enhanced market positioning. The bank’s interest income has also increased, standing at ₹51,817 Cr for March 2023, indicating a strong reliance on interest-generating assets. Additionally, the reported interest income for the quarter ended September 2023 was ₹16,820 Cr, marking a substantial increase from ₹16,064 Cr in the previous quarter, further indicating a positive trend in the bank’s core earnings.
Profitability and Efficiency Metrics
PNB’s profitability metrics indicate a positive performance trend, with a net profit of ₹18,553 Cr recorded for the financial year ending March 2025, a significant rise from ₹3,359 Cr in March 2023. The earnings per share (EPS) for the same period stood at ₹16.42, reflecting improved profitability per share compared to ₹3.04 in March 2023. The return on equity (ROE) was reported at 15.2%, showcasing a strong ability to generate returns for shareholders. The bank’s operational efficiency is further evidenced by a net profit margin of 14.06% for March 2025, which is considerably higher than the typical sector margins, indicating effective cost management and revenue generation strategies. However, the operating profit margin (OPM) stood at 29.18%, which, while robust, suggests potential for improvement in operational efficiencies. The bank’s net interest margin (NIM) of 2.33x indicates a solid spread between interest income and expenses, essential for sustaining profitability.
Balance Sheet Strength and Financial Ratios
PNB’s balance sheet exhibits strength, with total assets amounting to ₹1,857,544 Cr as of March 2025, up from ₹1,493,649 Cr in March 2023. The bank’s reserves reached ₹130,839 Cr, reflecting a solid capital base, while borrowings stood at ₹105,807 Cr, indicating prudent leverage management. The debt-to-equity ratio remains favorable, supporting the bank’s financial stability. Additionally, the bank’s cost-to-income ratio improved to 30.12%, significantly lower than previous years, highlighting enhanced operational efficiency. PNB’s return on assets (ROA) increased to 0.99%, indicating effective asset utilization in generating profits. The bank’s financing profit recorded a remarkable turnaround, moving from a loss of ₹6,473 Cr in March 2023 to a profit of ₹9,413 Cr in March 2025, illustrating improved financial health. These figures suggest a sound balance sheet capable of supporting further growth and stability.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Punjab National Bank reflects a stable investor base, with promoters holding 70.08% as of March 2025. The presence of foreign institutional investors (FIIs) has increased to 5.52%, while domestic institutional investors (DIIs) hold 15.06%, showcasing growing confidence in the bank’s performance. The public shareholding stands at 9.34%, which indicates a healthy distribution of ownership. The number of shareholders has seen a steady increase, reaching 25,74,693 as of March 2025, compared to 20,67,202 in March 2023. This growing shareholder base signifies increasing investor interest and confidence in PNB’s future prospects. The consistent promoter stake indicates strong management confidence in the bank’s strategic direction. However, the relatively low public shareholding may suggest limited retail investor participation, which could be a potential area for growth in attracting a broader investor base.
Outlook, Risks, and Final Insight
If margins sustain their upward trajectory and the bank continues to manage its expenses effectively, PNB could see further improvements in profitability. The transition towards a more stable financing profit and enhanced operational efficiency positions the bank favorably for future growth. However, risks remain, particularly related to asset quality, as evidenced by the absence of Gross NPA and Net NPA percentages in the provided reports, which could indicate underlying vulnerabilities. Additionally, the bank may face challenges in maintaining its current levels of profitability amidst a competitive banking landscape. If PNB can navigate these risks effectively while leveraging its strong capital base, it may continue to enhance shareholder value and solidify its position in the Indian banking sector. The current financial health, combined with strategic management, provides a promising outlook for the bank’s future performance.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Punjab National Bank
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,04,344 Cr. | 137 | 159/101 | 5.55 | 149 | 3.48 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 38,735 Cr. | 30.9 | 52.0/26.8 | 15.4 | 25.9 | 1.26 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,20,740 Cr. | 889 | 895/680 | 10.3 | 583 | 1.79 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,30,675 Cr. | 114 | 118/85.5 | 7.67 | 124 | 2.55 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 21,003 Cr. | 29.6 | 56.3/25.2 | 18.1 | 19.2 | 0.24 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 136,790.31 Cr | 209.15 | 9.80 | 171.77 | 2.04% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 19,144 | 20,588 | 22,808 | 24,305 | 25,673 | 26,858 | 27,852 | 28,682 | 29,145 | 30,447 | 31,895 | 32,523 | 32,572 |
| Interest | 11,443 | 12,172 | 13,513 | 14,690 | 16,064 | 16,820 | 17,444 | 18,206 | 18,536 | 19,790 | 20,738 | 21,640 | 21,828 |
| Expenses | 9,523 | 10,493 | 11,578 | 10,813 | 10,990 | 10,259 | 9,449 | 9,831 | 8,473 | 8,592 | 7,494 | 9,142 | 9,197 |
| Financing Profit | -1,822 | -2,077 | -2,282 | -1,197 | -1,381 | -221 | 959 | 646 | 2,136 | 2,065 | 3,663 | 1,742 | 1,547 |
| Financing Margin % | -10% | -10% | -10% | -5% | -5% | -1% | 3% | 2% | 7% | 7% | 11% | 5% | 5% |
| Other Income | 2,384 | 2,704 | 3,325 | 3,827 | 3,360 | 2,999 | 2,676 | 4,294 | 3,615 | 4,664 | 3,392 | 4,776 | 5,427 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 562 | 626 | 1,043 | 2,630 | 1,979 | 2,778 | 3,634 | 4,940 | 5,751 | 6,729 | 7,055 | 6,518 | 6,973 |
| Tax % | 46% | 42% | 37% | 34% | 39% | 36% | 38% | 37% | 35% | 34% | 34% | 29% | 74% |
| Net Profit | 271 | 496 | 715 | 1,876 | 1,363 | 1,990 | 2,441 | 3,363 | 3,991 | 4,739 | 4,811 | 5,011 | 2,167 |
| EPS in Rs | 0.26 | 0.45 | 0.64 | 1.69 | 1.22 | 1.81 | 2.21 | 3.04 | 3.61 | 4.10 | 4.18 | 4.34 | 1.84 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 1, 2025, 2:05 pm
Below is a detailed analysis of the quarterly data for Punjab National Bank based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 21,828.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 21,640.00 Cr. (Mar 2025) to 21,828.00 Cr., marking an increase of 188.00 Cr..
- For Expenses, as of Jun 2025, the value is 9,197.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9,142.00 Cr. (Mar 2025) to 9,197.00 Cr., marking an increase of 55.00 Cr..
- For Other Income, as of Jun 2025, the value is 5,427.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,776.00 Cr. (Mar 2025) to 5,427.00 Cr., marking an increase of 651.00 Cr..
- For Depreciation, as of Jun 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 Profit before tax, as of Jun 2025, the value is 6,973.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,518.00 Cr. (Mar 2025) to 6,973.00 Cr., marking an increase of 455.00 Cr..
- For Tax %, as of Jun 2025, the value is 74.00%. The value appears to be increasing, which may not be favorable. It has increased from 29.00% (Mar 2025) to 74.00%, marking an increase of 45.00%.
- For Net Profit, as of Jun 2025, the value is 2,167.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,011.00 Cr. (Mar 2025) to 2,167.00 Cr., marking a decrease of 2,844.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 1.84. The value appears to be declining and may need further review. It has decreased from 4.34 (Mar 2025) to 1.84, marking a decrease of 2.50.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: August 23, 2025, 2:13 pm
| 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 | 127,438 |
| 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 | 83,996 |
| 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 | 34,425 |
| Financing Profit | 626 | -1,394 | -10,980 | -7,197 | -28,151 | -22,153 | -7,946 | -7,470 | -6,607 | -6,473 | 908 | 9,413 | 9,017 |
| 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 | 18,258 |
| 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 | 27,275 |
| 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 | 16,728 |
| 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 | 14.46 |
| 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: May 13, 2025, 2:52 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 362 | 371 | 393 | 426 | 552 | 921 | 1,348 | 2,096 | 2,202 | 2,202 | 2,202 | 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| CWIP | 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Punjab National Bank based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 2,299.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,202.00 Cr. (Mar 2024) to 2,299.00 Cr., marking an increase of 97.00 Cr..
- For Reserves, as of Mar 2025, the value is 130,839.00 Cr.. The value appears strong and on an upward trend. It has increased from 108,185.00 Cr. (Mar 2024) to 130,839.00 Cr., marking an increase of 22,654.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 41,579.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 36,438.00 Cr. (Mar 2024) to 41,579.00 Cr., marking an increase of 5,141.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 1,857,544.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,598,636.00 Cr. (Mar 2024) to 1,857,544.00 Cr., marking an increase of 258,908.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 13,083.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,348.00 Cr. (Mar 2024) to 13,083.00 Cr., marking an increase of 735.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 524,840.00 Cr.. The value appears strong and on an upward trend. It has increased from 446,421.00 Cr. (Mar 2024) to 524,840.00 Cr., marking an increase of 78,419.00 Cr..
- For Other Assets, as of Mar 2025, the value is 1,319,620.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,139,867.00 Cr. (Mar 2024) to 1,319,620.00 Cr., marking an increase of 179,753.00 Cr..
- For Total Assets, as of Mar 2025, the value is 1,857,544.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,598,636.00 Cr. (Mar 2024) to 1,857,544.00 Cr., marking an increase of 258,908.00 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 - No data available for this post.
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 |
|---|---|---|---|---|---|---|
| Quant Small Cap Fund | 27,979,000 | 2.01 | 348.06 | 27,979,000 | 2025-04-22 17:25:22 | 0% |
| Quant Active Fund | 26,970,000 | 3.84 | 335.51 | 26,970,000 | 2025-04-22 17:25:22 | 0% |
| Nippon India ETF Nifty PSU Bank BeES | 25,541,069 | 11.97 | 317.73 | 25,541,069 | 2025-04-22 17:25:22 | 0% |
| Quant ELSS Tax Saver Fund | 24,111,000 | 3.6 | 299.94 | 24,111,000 | 2025-04-22 02:17:08 | 0% |
| Quant Mid Cap Fund | 23,971,000 | 5.08 | 298.2 | 23,971,000 | 2025-04-22 17:25:22 | 0% |
| Nippon India ETF Nifty Bank BeES | 12,400,337 | 2.49 | 154.26 | 12,400,337 | 2025-04-22 17:25:22 | 0% |
| HSBC Midcap Fund | 9,306,800 | 1.19 | 115.78 | 9,306,800 | 2025-04-22 17:25:22 | 0% |
| Nippon India ETF Nifty Next 50 Junior BeES | 7,613,989 | 2.03 | 94.72 | 7,613,989 | 2025-04-22 17:25:22 | 0% |
| Aditya Birla Sun Life PSU Equity Fund | 7,511,506 | 2.75 | 93.44 | 7,511,506 | 2025-04-22 17:25:22 | 0% |
| Quant Flexi Cap Fund | 7,425,000 | 2 | 92.37 | 7,425,000 | 2025-04-22 17:25:22 | 0% |
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.) | 15.17 | 8.39 | 3.61 | 4.15 | 2.99 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 115.84 | 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 (%) | 13.88 | 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 (%) | 30.12 | 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) | 0.82 | 1.34 | 0.54 | 0.42 | 0.45 |
| Price To Sales (X) | 0.89 | 1.26 | 0.59 | 0.50 | 0.46 |
| Retention Ratios (%) | 100.00 | 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 15.17. This value is within the healthy range. It has increased from 8.39 (Mar 24) to 15.17, marking an increase of 6.78.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 115.84. It has increased from 92.71 (Mar 24) to 115.84, marking an increase of 23.13.
- 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 100.00. This value exceeds the healthy maximum of 70. It has increased from 81.86 (Mar 24) to 100.00, marking an increase of 18.14.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.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: 7.67 (Industry average Stock P/E: 9.8)
- 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 | hosd@pnb.co.in http://www.pnbindia.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. K G Ananthakrishnan | Non Executive Chairman |
| Mr. Atul Kumar Goel | Managing Director & CEO |
| Mr. M Paramasivam | Executive Director |
| Mr. Binod Kumar | Executive Director |
| Mr. Kalyan Kumar | Executive Director |
| Mr. Bibhu Prasad Mahapatra | Executive Director |
| Mr. Pankaj Joshi | Part Time Non Official Director |
| Mr. Sanjeev Kumar Singhal | Part Time Non Official Director |
| Mr. Jatinder Singh Bajaj | Shareholder Director |
| Dr. Rekha Jain | 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 18 October 2025) is 118.60 which is 4.04% higher the current market price of 114.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,30,675 Cr. market cap, FY2025-2026 high/low of 118/85.5, reserves of ₹130,839 Cr, and liabilities of 1,857,544 Cr.
What is the Market Cap of Punjab National Bank?
The Market Cap of Punjab National Bank is 1,30,675 Cr..
What is the current Stock Price of Punjab National Bank as on 18 October 2025?
The current stock price of Punjab National Bank as on 18 October 2025 is 114.
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 118/85.5.
What is the Stock P/E of Punjab National Bank?
The Stock P/E of Punjab National Bank is 7.67.
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 2.55 %.
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.