Share Price and Basic Stock Data
Last Updated: February 12, 2026, 9:16 pm
| PEG Ratio | 0.23 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Punjab National Bank (PNB), a prominent player in the Indian public sector banking industry, reported significant revenue growth over recent quarters. The bank’s revenue stood at ₹22,808 Cr in December 2022 and increased to ₹26,858 Cr by September 2023. This upward trajectory continued with revenues reaching ₹27,852 Cr in December 2023 and projected to rise further to ₹31,895 Cr by December 2024. The bank’s total revenue for the trailing twelve months (TTM) was ₹129,503 Cr, reflecting a robust year-on-year increase from ₹86,845 Cr in March 2023. Additionally, PNB’s interest income, a critical component of banking revenue, rose from ₹13,513 Cr in December 2022 to ₹17,444 Cr in December 2023. This growth indicates PNB’s ability to enhance its lending portfolio and operational efficiency, positioning the bank favorably within the competitive landscape of Indian banking.
Profitability and Efficiency Metrics
Punjab National Bank’s profitability metrics show a marked improvement, particularly in its net profit, which rose from ₹715 Cr in December 2022 to ₹2,441 Cr in December 2023. The bank recorded a net profit of ₹17,110 Cr for the fiscal year ending March 2025, demonstrating its recovery from previous losses. The earnings per share (EPS) also exhibited strong growth, increasing to ₹16.42 in March 2025 from ₹3.04 in March 2023. The return on equity (ROE) stood at 15.2%, up from a mere 3% in the previous fiscal year, indicating enhanced shareholder value creation. However, the bank’s return on capital employed (ROCE) was comparatively lower at 6.32%. The improvement in profitability is further supported by a net profit margin of 14.06% for March 2025, reflecting efficient cost management and revenue generation strategies.
Balance Sheet Strength and Financial Ratios
The balance sheet of Punjab National Bank showcases significant strength, with total assets reported at ₹1,857,544 Cr as of March 2025, up from ₹1,493,649 Cr in March 2023. The bank’s reserves have also increased to ₹139,948 Cr, indicating a solid capital base. The bank’s equity capital stood at ₹2,299 Cr as of March 2025, which, combined with its reserves, provides a strong foundation for future growth. Financial ratios further illustrate the bank’s soundness; the cost-to-income ratio was reported at 54.47%, slightly higher than the typical sector range but manageable given the growth in revenues. The price-to-book value ratio was 0.88, suggesting that the stock is undervalued compared to its book value, enhancing its attractiveness to investors. Additionally, the net interest margin (NIM) stood at 2.33, indicating effective interest income management relative to its assets.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Punjab National Bank reflects stable investor confidence, with promoters holding 70.08% of the total shares as of September 2025. This substantial ownership by promoters suggests strong alignment with the bank’s long-term goals. Foreign institutional investors (FIIs) have increased their stake to 5.67%, while domestic institutional investors (DIIs) hold 15.54%, indicating growing interest from institutional investors. The number of shareholders increased to 24,55,484 by September 2025, demonstrating rising retail interest in the bank. The overall ownership distribution indicates a balanced approach to funding and governance, which is critical for maintaining investor trust. However, declining promoter shareholding from 73.15% in March 2024 could raise concerns about management stability, although it remains above the sector average.
Outlook, Risks, and Final Insight
The outlook for Punjab National Bank appears promising, primarily due to its improved profitability, robust revenue growth, and strong balance sheet. Continued focus on asset quality and risk management will be crucial in navigating potential economic headwinds. Key risks include maintaining adequate capital ratios amid increasing borrowings, which reached ₹105,807 Cr in March 2025, and ensuring that non-performing asset (NPA) levels remain manageable. The bank’s ability to adapt to changing regulatory environments and market conditions will also be pivotal in sustaining growth. If PNB successfully capitalizes on its growth strategies, it could enhance its market position significantly. Conversely, failure to address any emerging asset quality issues or a decline in investor confidence could hinder its progress in the competitive banking landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,38,153 Cr. | 181 | 183/107 | 7.30 | 172 | 2.62 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,013 Cr. | 28.7 | 40.8/26.8 | 13.8 | 26.5 | 1.36 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 11,00,566 Cr. | 1,192 | 1,204/680 | 13.6 | 641 | 1.33 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,39,030 Cr. | 121 | 135/85.5 | 7.81 | 130 | 2.40 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,442 Cr. | 27.4 | 50.5/25.2 | 16.0 | 19.6 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 167,606.00 Cr | 252.25 | 10.14 | 183.82 | 1.82% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 22,808 | 24,305 | 25,673 | 26,858 | 27,852 | 28,682 | 29,145 | 30,447 | 31,895 | 32,523 | 32,572 | 32,513 | 32,889 |
| Interest | 13,513 | 14,690 | 16,064 | 16,820 | 17,444 | 18,206 | 18,536 | 19,790 | 20,738 | 21,640 | 21,828 | 21,858 | 22,164 |
| Expenses | 11,578 | 10,813 | 10,990 | 10,259 | 9,449 | 9,831 | 8,473 | 8,592 | 7,494 | 9,142 | 9,197 | 8,299 | 9,298 |
| Financing Profit | -2,282 | -1,197 | -1,381 | -221 | 959 | 646 | 2,136 | 2,065 | 3,663 | 1,742 | 1,547 | 2,356 | 1,426 |
| Financing Margin % | -10% | -5% | -5% | -1% | 3% | 2% | 7% | 7% | 11% | 5% | 5% | 7% | 4% |
| Other Income | 3,325 | 3,827 | 3,360 | 2,999 | 2,676 | 4,294 | 3,615 | 4,664 | 3,392 | 4,776 | 5,427 | 4,171 | 5,013 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1,043 | 2,630 | 1,979 | 2,778 | 3,634 | 4,940 | 5,751 | 6,729 | 7,055 | 6,518 | 6,973 | 6,527 | 6,440 |
| Tax % | 37% | 34% | 39% | 36% | 38% | 37% | 35% | 34% | 34% | 29% | 74% | 26% | 19% |
| Net Profit | 715 | 1,876 | 1,363 | 1,990 | 2,441 | 3,363 | 3,991 | 4,739 | 4,811 | 5,011 | 2,167 | 5,121 | 5,577 |
| EPS in Rs | 0.64 | 1.69 | 1.22 | 1.81 | 2.21 | 3.04 | 3.61 | 4.10 | 4.18 | 4.34 | 1.84 | 4.46 | 4.83 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 4, 2026, 12:16 pm
Below is a detailed analysis of the quarterly data for Punjab National Bank based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 22,164.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 21,858.00 Cr. (Sep 2025) to 22,164.00 Cr., marking an increase of 306.00 Cr..
- For Expenses, as of Dec 2025, the value is 9,298.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 8,299.00 Cr. (Sep 2025) to 9,298.00 Cr., marking an increase of 999.00 Cr..
- For Other Income, as of Dec 2025, the value is 5,013.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,171.00 Cr. (Sep 2025) to 5,013.00 Cr., marking an increase of 842.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 6,440.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,527.00 Cr. (Sep 2025) to 6,440.00 Cr., marking a decrease of 87.00 Cr..
- For Tax %, as of Dec 2025, the value is 19.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Sep 2025) to 19.00%, marking a decrease of 7.00%.
- For Net Profit, as of Dec 2025, the value is 5,577.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,121.00 Cr. (Sep 2025) to 5,577.00 Cr., marking an increase of 456.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 4.83. The value appears strong and on an upward trend. It has increased from 4.46 (Sep 2025) to 4.83, marking an increase of 0.37.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:46 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 44,958 | 48,710 | 50,804 | 48,058 | 48,725 | 52,147 | 54,918 | 81,935 | 76,242 | 86,845 | 109,065 | 124,010 | 129,503 |
| Interest | 28,220 | 31,343 | 34,331 | 32,722 | 33,530 | 34,656 | 36,997 | 50,805 | 46,823 | 51,817 | 68,534 | 80,704 | 86,063 |
| Expenses | 16,112 | 18,760 | 27,453 | 22,533 | 43,345 | 39,645 | 25,867 | 38,601 | 36,026 | 41,502 | 39,623 | 33,893 | 34,131 |
| Financing Profit | 626 | -1,394 | -10,980 | -7,197 | -28,151 | -22,153 | -7,946 | -7,470 | -6,607 | -6,473 | 908 | 9,413 | 9,308 |
| Financing Margin % | 1% | -3% | -22% | -15% | -58% | -42% | -14% | -9% | -9% | -7% | 1% | 8% | 7% |
| Other Income | 4,710 | 6,175 | 6,100 | 9,168 | 8,883 | 7,367 | 9,388 | 12,777 | 12,329 | 12,529 | 14,158 | 17,560 | 17,765 |
| Depreciation | 367 | 384 | 413 | 430 | 581 | 584 | 614 | 982 | 896 | 905 | 906 | 958 | 0 |
| Profit before tax | 4,969 | 4,397 | -5,293 | 1,540 | -19,849 | -15,370 | 827 | 4,325 | 4,826 | 5,151 | 14,160 | 26,015 | 27,073 |
| Tax % | 29% | 24% | -31% | 41% | -37% | -35% | 56% | 38% | 19% | 35% | 35% | 29% | |
| Net Profit | 3,674 | 3,525 | -3,510 | 1,239 | -12,111 | -9,550 | 485 | 2,695 | 3,908 | 3,359 | 9,157 | 18,553 | 17,110 |
| EPS in Rs | 19.98 | 18.33 | -18.79 | 5.58 | -43.88 | -20.79 | 0.65 | 2.45 | 3.51 | 3.04 | 8.27 | 16.08 | 14.82 |
| Dividend Payout % | 10% | 18% | -2% | 0% | 0% | 0% | 0% | 0% | 18% | 21% | 18% | 18% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -4.06% | -199.57% | 135.30% | -1077.48% | 21.15% | 105.08% | 455.67% | 45.01% | -14.05% | 172.61% | 102.61% |
| Change in YoY Net Profit Growth (%) | 0.00% | -195.52% | 334.87% | -1212.78% | 1098.63% | 83.93% | 350.59% | -410.66% | -59.06% | 186.66% | -70.00% |
Punjab National Bank has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 18% |
| 3 Years: | 18% |
| TTM: | 13% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 111% |
| 3 Years: | 69% |
| TTM: | 42% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -2% |
| 5 Years: | 25% |
| 3 Years: | 41% |
| 1 Year: | -9% |
| Return on Equity | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | 7% |
| 3 Years: | 9% |
| Last Year: | 15% |
Last Updated: September 5, 2025, 12:45 pm
Balance Sheet
Last Updated: December 10, 2025, 3:17 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 362 | 371 | 393 | 426 | 552 | 921 | 1,348 | 2,096 | 2,202 | 2,202 | 2,202 | 2,299 | 2,299 |
| Reserves | 37,731 | 41,669 | 41,412 | 42,990 | 40,965 | 45,164 | 62,529 | 90,439 | 95,380 | 100,678 | 108,185 | 130,839 | 139,948 |
| Deposits | 476,325 | 537,758 | 570,383 | 629,651 | 648,439 | 681,874 | 710,254 | 1,113,717 | 1,154,234 | 1,290,347 | 1,379,225 | 1,577,020 | 1,629,131 |
| Borrowing | 43,912 | 36,692 | 81,674 | 43,336 | 65,330 | 46,828 | 62,512 | 52,298 | 59,372 | 70,149 | 72,586 | 105,807 | 109,162 |
| Other Liabilities | 16,490 | 19,522 | 18,932 | 16,909 | 22,242 | 15,333 | 14,814 | 21,176 | 28,113 | 30,273 | 36,438 | 41,579 | 40,395 |
| Total Liabilities | 574,820 | 636,011 | 712,793 | 733,311 | 777,528 | 790,120 | 851,457 | 1,279,725 | 1,339,301 | 1,493,649 | 1,598,636 | 1,857,544 | 1,920,935 |
| Fixed Assets | 3,490 | 3,656 | 5,308 | 6,298 | 6,371 | 6,246 | 7,262 | 11,049 | 10,696 | 12,084 | 12,348 | 13,083 | 15,624 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 149,225 | 156,762 | 165,126 | 191,527 | 204,419 | 210,578 | 253,782 | 404,369 | 388,586 | 416,914 | 446,421 | 524,840 | 531,967 |
| Other Assets | 422,105 | 475,594 | 542,358 | 535,486 | 566,738 | 573,295 | 590,413 | 864,307 | 940,019 | 1,064,651 | 1,139,867 | 1,319,620 | 1,373,344 |
| Total Assets | 574,820 | 636,011 | 712,793 | 733,311 | 777,528 | 790,120 | 851,457 | 1,279,725 | 1,339,301 | 1,493,649 | 1,598,636 | 1,857,544 | 1,920,935 |
Below is a detailed analysis of the balance sheet data for Punjab National Bank based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 2,299.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 2,299.00 Cr..
- For Reserves, as of Sep 2025, the value is 139,948.00 Cr.. The value appears strong and on an upward trend. It has increased from 130,839.00 Cr. (Mar 2025) to 139,948.00 Cr., marking an increase of 9,109.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 40,395.00 Cr.. The value appears to be improving (decreasing). It has decreased from 41,579.00 Cr. (Mar 2025) to 40,395.00 Cr., marking a decrease of 1,184.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 1,920,935.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,857,544.00 Cr. (Mar 2025) to 1,920,935.00 Cr., marking an increase of 63,391.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 15,624.00 Cr.. The value appears strong and on an upward trend. It has increased from 13,083.00 Cr. (Mar 2025) to 15,624.00 Cr., marking an increase of 2,541.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 531,967.00 Cr.. The value appears strong and on an upward trend. It has increased from 524,840.00 Cr. (Mar 2025) to 531,967.00 Cr., marking an increase of 7,127.00 Cr..
- For Other Assets, as of Sep 2025, the value is 1,373,344.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,319,620.00 Cr. (Mar 2025) to 1,373,344.00 Cr., marking an increase of 53,724.00 Cr..
- For Total Assets, as of Sep 2025, the value is 1,920,935.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,857,544.00 Cr. (Mar 2025) to 1,920,935.00 Cr., marking an increase of 63,391.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -460.00 | -519.00 | -543.00 | -607.00 | -605.00 | -642.00 | -685.00 | 37.00 | 35.00 | 40.00 | 38.00 | 32.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 10% | 8% | -9% | 3% | -29% | -22% | 1% | 3% | 4% | 3% | 9% | 15% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI Contra Fund | 113,256,586 | 2.8 | 1399.62 | 100,456,586 | 2025-12-15 06:44:46 | 12.74% |
| SBI Balanced Advantage Fund | 55,770,108 | 1.73 | 689.21 | N/A | N/A | N/A |
| SBI ELSS Tax Saver Fund | 27,890,616 | 1.06 | 344.67 | N/A | N/A | N/A |
| HSBC Value Fund | 25,520,900 | 2.14 | 315.39 | N/A | N/A | N/A |
| SBI Large & Midcap Fund | 23,200,000 | 0.77 | 286.71 | N/A | N/A | N/A |
| SBI Multicap Fund | 14,600,000 | 0.76 | 180.43 | N/A | N/A | N/A |
| SBI Multi Asset Allocation Fund | 13,000,000 | 1.23 | 160.65 | N/A | N/A | N/A |
| Tata Arbitrage Fund | 9,768,000 | 0.6 | 120.71 | 9,464,000 | 2026-01-26 06:46:52 | 3.21% |
| JM Flexicap Fund | 7,859,999 | 1.78 | 97.13 | N/A | N/A | N/A |
| DSP Arbitrage Fund | 6,904,000 | 1.22 | 85.32 | 5,704,000 | 2026-01-26 06:46:52 | 21.04% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 16.42 | 8.27 | 3.04 | 3.53 | 2.64 |
| Diluted EPS (Rs.) | 16.42 | 8.27 | 3.04 | 3.53 | 2.64 |
| Cash EPS (Rs.) | 16.01 | 8.39 | 3.61 | 4.15 | 2.99 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 108.61 | 92.71 | 85.76 | 82.22 | 81.44 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 115.84 | 100.25 | 93.43 | 88.62 | 88.32 |
| Operating Revenue / Share (Rs.) | 107.90 | 99.05 | 78.87 | 69.24 | 78.13 |
| Net Profit / Share (Rs.) | 15.17 | 7.56 | 2.79 | 3.34 | 2.05 |
| Net Profit After MI / Share (Rs.) | 16.08 | 8.27 | 3.04 | 3.51 | 2.44 |
| Net Profit Margin (%) | 14.06 | 7.63 | 3.53 | 4.82 | 2.62 |
| Net Profit After MI And SOA Nargin (%) | 14.90 | 8.35 | 3.85 | 5.06 | 3.12 |
| Operating Profit Margin (%) | 29.18 | 15.46 | 6.49 | 8.85 | 4.87 |
| Return On Assets (%) | 0.99 | 0.56 | 0.22 | 0.28 | 0.20 |
| Return On Equity / Networth (%) | 14.80 | 8.92 | 3.54 | 4.26 | 3.00 |
| Net Interest Margin (X) | 2.33 | 2.53 | 2.34 | 2.19 | 2.42 |
| Cost To Income (%) | 54.47 | 53.48 | 51.48 | 49.35 | 46.43 |
| Interest Income / Total Assets (%) | 6.67 | 6.82 | 5.81 | 5.69 | 6.39 |
| Non-Interest Income / Total Assets (%) | 0.88 | 0.83 | 0.81 | 0.90 | 1.02 |
| Operating Profit / Total Assets (%) | 0.05 | -0.31 | -0.61 | -0.62 | -0.85 |
| Operating Expenses / Total Assets (%) | 1.75 | 1.80 | 1.62 | 1.52 | 1.60 |
| Interest Expenses / Total Assets (%) | 4.34 | 4.28 | 3.46 | 3.49 | 3.96 |
| Enterprise Value (Rs.Cr.) | 1728918.94 | 1523407.52 | 1333714.55 | 1195171.85 | 1160148.44 |
| EV Per Net Sales (X) | 13.94 | 13.97 | 15.36 | 15.68 | 14.17 |
| Price To Book Value (X) | 0.88 | 1.34 | 0.54 | 0.42 | 0.45 |
| Price To Sales (X) | 0.89 | 1.26 | 0.59 | 0.50 | 0.46 |
| Retention Ratios (%) | 81.96 | 81.86 | 78.62 | 81.74 | 92.95 |
| Earnings Yield (X) | 0.16 | 0.06 | 0.06 | 0.10 | 0.06 |
After reviewing the key financial ratios for Punjab National Bank, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 16.42. This value is within the healthy range. It has increased from 8.27 (Mar 24) to 16.42, marking an increase of 8.15.
- For Diluted EPS (Rs.), as of Mar 25, the value is 16.42. This value is within the healthy range. It has increased from 8.27 (Mar 24) to 16.42, marking an increase of 8.15.
- For Cash EPS (Rs.), as of Mar 25, the value is 16.01. This value is within the healthy range. It has increased from 8.39 (Mar 24) to 16.01, marking an increase of 7.62.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 108.61. It has increased from 92.71 (Mar 24) to 108.61, marking an increase of 15.90.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 115.84. It has increased from 100.25 (Mar 24) to 115.84, marking an increase of 15.59.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 15.17. This value is within the healthy range. It has increased from 7.56 (Mar 24) to 15.17, marking an increase of 7.61.
- For Net Profit Margin (%), as of Mar 25, the value is 14.06. This value exceeds the healthy maximum of 10. It has increased from 7.63 (Mar 24) to 14.06, marking an increase of 6.43.
- For Return On Assets (%), as of Mar 25, the value is 0.99. This value is below the healthy minimum of 5. It has increased from 0.56 (Mar 24) to 0.99, marking an increase of 0.43.
- For Retention Ratios (%), as of Mar 25, the value is 81.96. This value exceeds the healthy maximum of 70. It has increased from 81.86 (Mar 24) to 81.96, marking an increase of 0.10.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Punjab National Bank:
- Net Profit Margin: 14.06%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.22%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 14.34%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 7.81 (Industry average Stock P/E: 10.14)
- 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 12 February 2026) is ₹168.63 which is 39.36% higher the current market price of ₹121.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,39,030 Cr. market cap, FY2025-2026 high/low of ₹135/85.5, reserves of ₹139,948 Cr, and liabilities of ₹1,920,935 Cr.
What is the Market Cap of Punjab National Bank?
The Market Cap of Punjab National Bank is 1,39,030 Cr..
What is the current Stock Price of Punjab National Bank as on 12 February 2026?
The current stock price of Punjab National Bank as on 12 February 2026 is ₹121.
What is the High / Low of Punjab National Bank stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Punjab National Bank stocks is ₹135/85.5.
What is the Stock P/E of Punjab National Bank?
The Stock P/E of Punjab National Bank is 7.81.
What is the Book Value of Punjab National Bank?
The Book Value of Punjab National Bank is 130.
What is the Dividend Yield of Punjab National Bank?
The Dividend Yield of Punjab National Bank is 2.40 %.
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.