Share Price and Basic Stock Data
Last Updated: November 28, 2025, 9:11 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) operates within the public sector banking segment, with a current market capitalization of ₹1,43,766 Cr. The bank’s share price stood at ₹125, reflecting a price-to-earnings (P/E) ratio of 8.44. Over the past few quarters, PNB demonstrated consistent revenue growth, with quarterly revenues increasing from ₹19,144 Cr in June 2022 to ₹26,858 Cr in September 2023. This upward trajectory is expected to continue, with revenue projected to reach ₹32,523 Cr by March 2025. The bank’s total revenue for the fiscal year ending March 2023 was reported at ₹86,845 Cr, representing a significant increase from ₹76,242 Cr in the previous fiscal year. The bank’s total revenue is anticipated to grow further to ₹124,010 Cr by March 2025, showcasing its robust operational performance amid a competitive landscape.
Profitability and Efficiency Metrics
PNB reported a net profit of ₹17,110 Cr for the fiscal year ending March 2023, with an impressive return on equity (ROE) of 15.2%. The bank’s profitability has shown resilience, with net profit margins improving from 3.04% in March 2023 to an anticipated 14.06% in March 2025. The financing margin has also improved, moving from a negative 7% in March 2023 to a positive 8% by March 2025. Despite challenges in the banking sector, PNB has effectively managed its expenses, which stood at ₹41,502 Cr in March 2023, expected to reduce to ₹33,893 Cr by March 2025. The bank’s operating profit margin (OPM) was recorded at 29.18% for the fiscal year 2025, indicating efficient management of resources and operational costs, which is crucial for sustaining profitability in a volatile market.
Balance Sheet Strength and Financial Ratios
The strength of PNB’s balance sheet is underscored by its substantial reserves of ₹139,948 Cr as of September 2025. The bank’s total assets reached ₹1,857,544 Cr, while total liabilities stood at ₹1,920,935 Cr, reflecting a well-structured financial position. PNB reported a book value per share of ₹115.84, indicating a solid equity foundation. The bank’s cost-to-income ratio significantly improved to 30.12% in March 2025, suggesting enhanced operational efficiency. The net interest margin (NIM) was recorded at 2.33, which is relatively competitive compared to sector norms. However, the bank’s return on assets (ROA) at 0.99% remains below the sector average, indicating potential areas for improvement. Overall, PNB’s financial ratios reveal a strengthening balance sheet, although vigilance is needed in managing asset quality and capital efficiency.
Shareholding Pattern and Investor Confidence
As of September 2025, PNB’s shareholding structure indicates substantial promoter confidence, with promoters holding 70.08% of the shares. This stable ownership structure can bolster investor confidence in the bank’s management and strategic direction. Foreign institutional investors (FIIs) accounted for 5.67% of the equity, reflecting a gradual increase from previous quarters, while domestic institutional investors (DIIs) held 15.54%. The public shareholding has decreased to 8.70%, suggesting a potential consolidation of ownership among institutional players. The number of shareholders stood at 24,55,484, indicating a broad base of retail and institutional investors. This diversified shareholding pattern enhances market confidence, although the declining public participation may raise concerns regarding liquidity and market perception in the long term.
Outlook, Risks, and Final Insight
Looking ahead, PNB’s outlook appears positive, bolstered by strong revenue growth and improving profitability metrics. However, challenges such as asset quality management and potential economic headwinds could pose risks. The bank’s ability to maintain its ROE and manage non-performing assets (NPAs) will be crucial in sustaining investor confidence and achieving growth targets. Additionally, regulatory changes and competitive pressures from private sector banks could impact PNB’s market position. The bank’s strategic focus on enhancing operational efficiency and leveraging technology will be vital for navigating these challenges. Overall, while the bank’s financial health is robust, continuous monitoring of market dynamics and proactive risk management will be essential for sustaining its growth trajectory.
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 | 1,16,565 Cr. | 153 | 159/101 | 6.30 | 165 | 3.11 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 38,747 Cr. | 30.9 | 52.0/26.8 | 15.4 | 25.9 | 1.26 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,01,278 Cr. | 976 | 999/680 | 11.5 | 617 | 1.62 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,43,581 Cr. | 125 | 126/85.5 | 8.43 | 124 | 2.32 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 21,400 Cr. | 30.2 | 56.3/25.2 | 18.5 | 19.2 | 0.23 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 150,551.46 Cr | 231.34 | 10.49 | 177.23 | 1.87% | 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: November 15, 2025, 4:37 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: November 9, 2025, 2:46 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 | 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 |
|---|---|---|---|---|---|---|
| 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: 8.43 (Industry average Stock P/E: 10.49)
- 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 29 November 2025) is 130.06 which is 4.05% higher the current market price of 125.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,43,581 Cr. market cap, FY2025-2026 high/low of 126/85.5, 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 1,43,581 Cr..
What is the current Stock Price of Punjab National Bank as on 29 November 2025?
The current stock price of Punjab National Bank as on 29 November 2025 is 125.
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 126/85.5.
What is the Stock P/E of Punjab National Bank?
The Stock P/E of Punjab National Bank is 8.43.
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 2.32 %.
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.