Share Price and Basic Stock Data
Last Updated: December 18, 2025, 10:03 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 as one of India’s leading public sector banks, with a current market capitalization of ₹1,34,870 Cr. The bank has shown a consistent upward trajectory in revenue, with reported figures climbing from ₹76,242 Cr in FY 2022 to ₹86,845 Cr in FY 2023. This growth trend is further highlighted by the trailing twelve months (TTM) revenue of ₹127,438 Cr, indicating a robust recovery post-pandemic. Quarterly revenue figures also illustrate a steady increase, rising from ₹19,144 Cr in June 2022 to ₹26,858 Cr by September 2023. Such growth reflects PNB’s strategic initiatives in expanding its lending portfolio and enhancing customer service, particularly in the retail segment. The bank’s ability to maintain this growth will be crucial as it navigates a competitive banking landscape, particularly with increasing interest rates and evolving customer expectations.
Profitability and Efficiency Metrics
Profitability at PNB has shown marked improvement, with net profit for FY 2025 standing at ₹18,553 Cr, compared to ₹3,359 Cr in FY 2023. This upward trend is complemented by a significant rise in earnings per share (EPS), which surged to ₹16.08, reflecting effective cost management and operational efficiencies. The bank’s return on equity (ROE) has also improved, standing at 15.2%, which is notably higher than historical averages for public sector banks. The operating profit margin (OPM) of 29.18% indicates that PNB is effectively managing its operational costs relative to its income. However, the financing profit margin has shown fluctuations, with a notable improvement in recent quarters, suggesting that the bank is moving towards a more stable profitability framework. This shift bodes well for investors looking for sustained financial performance, although continued vigilance on cost control will be essential.
Balance Sheet Strength and Financial Ratios
Punjab National Bank’s balance sheet reflects a solid foundation, underscored by reserves amounting to ₹130,839 Cr as of FY 2025. This significant reserve base supports the bank’s lending capacity and provides a cushion against potential credit losses. The bank’s total assets reached ₹1,857,544 Cr, indicating a healthy growth trajectory. Notably, the cost-to-income ratio has improved to 30.12%, showcasing the bank’s efficiency in controlling expenses relative to its income. The bank’s non-performing assets (NPA) figures remain undisclosed, which is an area of concern as NPAs are critical for assessing the risk profile of a bank. Moreover, with a price-to-book value of 0.82, PNB appears undervalued compared to its peers, potentially offering an attractive entry point for investors. However, the rising borrowings, reported at ₹105,807 Cr, may pose a risk if not managed prudently.
Shareholding Pattern and Investor Confidence
The shareholding pattern at PNB indicates a stable investor base, with promoters holding 70.08% of the stake. This high promoter share reflects confidence in the bank’s strategic direction. Foreign institutional investors (FIIs) have gradually increased their stake to 5.67%, while domestic institutional investors (DIIs) have also shown growing interest, currently holding 15.54%. This institutional support enhances investor confidence, suggesting that market participants are optimistic about PNB’s future prospects. However, the public shareholding has declined to 8.70%, which may raise concerns about liquidity and retail investor participation. An improvement in public engagement and confidence could further bolster PNB’s market position, especially as it continues to enhance its service offerings and digital banking capabilities.
Outlook, Risks, and Final Insight
Looking ahead, Punjab National Bank appears well-positioned to capitalize on the growing demand for banking services in India. However, several risks could impact its trajectory. The fluctuating interest rates may affect the bank’s lending margins, particularly if borrowing costs rise faster than the rates it can charge its customers. Additionally, while the improving profitability metrics are encouraging, the bank must remain vigilant regarding asset quality, especially as economic conditions evolve. The absence of disclosed NPA figures adds a layer of uncertainty, necessitating transparency in this area to maintain investor trust. Overall, PNB’s strategic initiatives, coupled with a solid balance sheet, present a compelling case for long-term investment, but potential investors should weigh these strengths against the inherent risks in the banking sector.
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 | 1,17,664 Cr. | 154 | 160/101 | 6.36 | 165 | 3.08 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 35,775 Cr. | 28.5 | 46.3/26.8 | 14.2 | 25.9 | 1.37 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,02,293 Cr. | 978 | 999/680 | 11.5 | 617 | 1.63 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,36,571 Cr. | 119 | 128/85.5 | 8.02 | 124 | 2.44 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,023 Cr. | 26.8 | 52.0/25.2 | 16.4 | 19.2 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 147,298.54 Cr | 222.55 | 9.83 | 177.23 | 1.93% | 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: 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 |
| SBI Multi Asset Allocation Fund | 13,000,000 | 1.35 | 161.85 | 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% |
| SBI Conservative Hybrid Fund | 9,200,000 | 1.15 | 114.54 | N/A | N/A | N/A |
| UTI Arbitrage Fund | 6,336,000 | 0.74 | 78.88 | 10,632,000 | 2025-12-15 06:44:46 | -40.41% |
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: 8.02 (Industry average Stock P/E: 9.83)
- 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. 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 19 December 2025) is 123.88 which is 4.10% higher the current market price of 119.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,36,571 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 1,36,571 Cr..
What is the current Stock Price of Punjab National Bank as on 19 December 2025?
The current stock price of Punjab National Bank as on 19 December 2025 is 119.
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 8.02.
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 2.44 %.
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.