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Punjab National Bank PNB NSEFINANCIALPSU

Financial Services · Banks - Regional · India
https://pnb.bank.in
Company Profile ↓
₹105.88
-0.73% 1Y
Mkt Cap₹1.22 L Cr
P/E6.45
P/B0.81
Div. Yield2.85%
52W High₹128.62
52W Low₹96.68
Book Value₹130.49
EPS (TTM)₹16.42

Company Overview

Punjab National Bank provides various banking and financial products and services in India and internationally. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers personal banking products and services, including saving fund accounts, current accounts, fixed deposit, and capital gain account and gold monetization schemes; and housing, vehicle, education, personal, gold, and mortgage and other loans. It also provides various micro, small, and medium enterprises schemes and loans; banking products for government customers; agricultural schemes and loans; corporate banking products and services consist of loans against future lease rentals, working capital financing, and term loans; EXIM finance and cash management services, as well as gold card schemes for exporters; and international banking products and services. In addition, the company offers life and general insurance services; depository, mutual funds, merchant banking, and application supported by blocked amount services; and NRI banking and services. Further, the company provides mobile and internet banking, UPI, SMS banking, missed call, e-statement, ATM, passbook updating machine, and electronic cheque deposit machine services; and point of sale (PoS) is the payment acceptance solutions, NFC-enabled terminals facilitating quick payments, as well as debit and credit cards. Punjab National Bank was incorporated in 1894 and is headquartered in New Delhi, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 76.4% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 6.5, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 29.4%.

Dividend Income

Offers a dividend yield of 2.85%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹62,619.97 Cr (+4.8% YoY); net profit ₹18,392.69 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +4.8%, earnings -0.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 10.0%, profit CAGR 76.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:9.97%
1 Year:4.78%

Compounded Profit Growth

5 Years:76.44%
1 Year:-0.47%

Stock Price Performance

1 Year:-0.73%
6 Months:-11.53%
3 Months:-4.82%
1 Month:-1.94%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 29% of range
₹96.68 ₹128.62
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMABelow
  • RSI (14)51.20 · Neutral
Price Performance
1M-1.94%
3M-4.82%
6M-11.53%
1Y-0.73%
Valuation vs Sector

P/E of 6.45 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 29.4%.
  • Profit CAGR of 76.4% over 5 years.
  • Attractive dividend yield of 2.85%.
  • Generates positive free cash flow.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
6.45
Industry PE
19.81
Forward P/E
6.39
PEG Ratio
-
Book Value
₹130.49
Price to Book
0.81
P/S
2.07
EV/EBITDA
-
Dividend Yield
2.85%

Growth (CAGR)

Revenue 5Y
9.97%
Profit 5Y
76.44%
Revenue (YoY)
4.78%
Earnings (YoY)
-0.47%

Profitability & Returns

ROCE
-
ROE
12.26%
ROA
0.90%
Profit Margin
29.37%
Op Margin
29.40%
Gross Margin
0.00%
EPS (Latest Qtr)
₹4.83
EPS (TTM)
₹16.42

Balance Sheet & Liquidity

Debt/Equity
0.58
Quick Ratio
-
Current Ratio
-
Debt
₹86,268.23 Cr
Total Assets
₹20.33 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
70.08%
Chg in Prom Hold
-0.00%
FII / Inst Holding
19.39%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
₹1.22 L Cr
Total Revenue (TTM)
₹62,619.97 Cr
EBITDA
-
Free Cash Flow
₹24,010.83 Cr
Operating Cash Flow
₹25,635.41 Cr
Shares Outstanding
₹1,149.29 Cr
Gross Margin
0.00%
Payout Ratio
18.13%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PNB Punjab National Bank NSEFINANCIALPSU 105.88 6.45 ₹1.22 L Cr 2.85% - 12.26% 9.97% 76.44%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 24,305.00 Cr25,673.00 Cr26,858.00 Cr27,852.00 Cr28,682.00 Cr29,145.00 Cr30,447.00 Cr14,548.75 Cr15,659.52 Cr16,170.51 Cr32,513.00 Cr15,738.23 Cr14,659.24 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 10,813.00 Cr10,990.00 Cr10,259.00 Cr9,449.00 Cr9,831.00 Cr8,473.00 Cr8,592.00 Cr7,292.28 Cr8,552.63 Cr8,852.72 Cr8,299.00 Cr7,980.81 Cr6,631.92 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 14,690.00 Cr16,064.00 Cr16,820.00 Cr17,444.00 Cr18,206.00 Cr18,536.00 Cr19,790.00 Cr20,737.68 Cr21,639.50 Cr21,828.33 Cr21,858.00 Cr22,164.43 Cr22,218.78 Cr
Pretax Income 2,630.00 Cr1,979.00 Cr2,778.00 Cr3,634.00 Cr4,940.00 Cr5,751.00 Cr6,729.00 Cr7,055.04 Cr6,517.79 Cr6,973.42 Cr6,527.00 Cr6,439.88 Cr7,141.28 Cr
Tax Provision 894.20 Cr771.81 Cr1,000.08 Cr1,380.92 Cr1,827.80 Cr2,012.85 Cr2,287.86 Cr2,406.44 Cr1,874.92 Cr5,141.20 Cr1,697.02 Cr1,250.09 Cr1,916.16 Cr
Net Income 1,876.00 Cr1,363.00 Cr1,990.00 Cr2,441.00 Cr3,363.00 Cr3,991.00 Cr4,739.00 Cr4,801.00 Cr4,989.29 Cr2,119.88 Cr5,121.00 Cr5,555.89 Cr5,591.64 Cr
Diluted EPS 1.691.221.812.213.043.614.104.184.341.844.464.834.83

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 48,710.00 Cr50,804.00 Cr48,058.00 Cr48,725.00 Cr52,147.00 Cr54,918.00 Cr81,935.00 Cr-47,092.10 Cr55,260.52 Cr59,760.55 Cr62,619.97 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 18,760.00 Cr27,453.00 Cr22,533.00 Cr43,345.00 Cr39,645.00 Cr25,867.00 Cr38,601.00 Cr-24,618.24 Cr29,607.17 Cr32,166.59 Cr33,523.84 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 31,343.00 Cr34,331.00 Cr32,722.00 Cr33,530.00 Cr34,656.00 Cr36,997.00 Cr50,805.00 Cr-51,816.99 Cr68,534.16 Cr80,703.84 Cr88,069.40 Cr
Pretax Income 4,397.00 Cr-5,293.00 Cr1,540.00 Cr-19,849.00 Cr-15,370.00 Cr827.00 Cr4,325.00 Cr-5,150.88 Cr14,159.95 Cr27,165.52 Cr28,452.59 Cr
Tax Provision 1,055.28 Cr1,640.83 Cr631.40 Cr7,344.13 Cr5,379.50 Cr463.12 Cr1,643.50 Cr-1,792.08 Cr5,002.80 Cr8,612.91 Cr9,985.90 Cr
Net Income 3,525.00 Cr-3,510.00 Cr1,239.00 Cr-12,111.00 Cr-9,550.00 Cr485.00 Cr2,695.00 Cr-3,348.45 Cr9,107.20 Cr18,480.29 Cr18,392.69 Cr
Diluted EPS 18.33-18.795.58-43.88-20.790.652.453.533.048.2716.42-

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 6.36 L Cr7.13 L Cr7.33 L Cr7.78 L Cr7.90 L Cr8.51 L Cr12.80 L Cr13.39 L Cr14.94 L Cr15.99 L Cr18.58 L Cr20.33 L Cr
Current Assets ------------
Cash & Equivalents --------1.57 L Cr1.31 L Cr1.51 L Cr1.64 L Cr
Inventory ------------
Receivables --------12,687.49 Cr17,660.55 Cr24,969.34 Cr29,922.34 Cr
Total Liabilities --------13.90 L Cr14.88 L Cr17.24 L Cr18.83 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------70,148.62 Cr72,585.62 Cr71,999.07 Cr86,268.23 Cr
Total Equity 42,040.00 Cr41,805.00 Cr43,416.00 Cr41,517.00 Cr46,085.00 Cr63,877.00 Cr92,535.00 Cr97,582.00 Cr1.03 L Cr1.10 L Cr1.33 L Cr1.50 L Cr
Shares Outstanding --------1,101.10 Cr1,101.10 Cr1,149.29 Cr1,149.29 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 4,814.00 Cr14,167.00 Cr21,938.00 Cr-1,742.00 Cr-33,532.00 Cr-12,793.00 Cr30,950.00 Cr-22,592.10 Cr-27,939.44 Cr22,075.28 Cr25,635.41 Cr
Investing Cash Flow -872.00 Cr-1,352.00 Cr159.00 Cr392.00 Cr-629.00 Cr-338.00 Cr-787.00 Cr--732.47 Cr-1,506.42 Cr-1,577.63 Cr-609.00 Cr
Financing Cash Flow 7,451.00 Cr5,975.00 Cr-9,767.00 Cr7,460.00 Cr13,969.00 Cr13,591.00 Cr5,415.00 Cr-1,274.98 Cr3,517.57 Cr-1,138.26 Cr-11,664.01 Cr
Capital Expenditure -547.00 Cr-606.00 Cr-496.00 Cr-652.00 Cr-440.00 Cr-338.00 Cr-786.00 Cr--552.39 Cr-1,175.00 Cr-1,601.41 Cr-1,624.58 Cr
Free Cash Flow 4,267.00 Cr13,561.00 Cr21,442.00 Cr-2,394.00 Cr-33,972.00 Cr-13,131.00 Cr30,164.00 Cr-22,039.71 Cr-29,114.44 Cr20,473.87 Cr24,010.83 Cr
Net Change in Cash 11,393.00 Cr18,790.00 Cr12,330.00 Cr6,109.00 Cr-20,192.00 Cr460.00 Cr35,579.00 Cr-23,134.61 Cr-25,928.29 Cr19,359.39 Cr13,362.40 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 7.2%-6.9%2.6%-24.9%-18.3%0.9%3.3%-7.1%16.5%30.9%29.4%
ROE % 8.4%-8.4%2.9%-29.2%-20.7%0.8%2.9%-3.3%8.3%13.9%12.3%
ROCE % ------------

Shareholding Pattern

Insiders
70.08%
Institutions
19.39%
Public Float
64.80%

Analyst View

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Latest News

Recent headlines for PNB

Google News Fri, 03 Jul 2026

PNB shares decline 3% after Q1 business update; global business nears Rs 30 lakh crore - The Economic Times

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Fintech Stock Backed by Ashish Kacholia Jumps After Signing Deal with Punjab National Bank By Trade Brains - Investing.com India

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Google News ue, 05 May 2026

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Google News Wed, 31 Dec 2025

PNB Holdings eyes eventual follow-on offering - Inquirer.net

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PNB — Frequently Asked Questions

What is the current share price of Punjab National Bank (PNB)?

As of 2026-07-15 09:52 IST, Punjab National Bank (PNB) trades at ₹105.88 on NSE. Its 52-week range is ₹96.68 to ₹128.62.

What is the market capitalisation of PNB?

Punjab National Bank (PNB) has a market capitalisation of ₹1.22 L Cr on NSE.

What is the P/E ratio of PNB?

PNB trades at a trailing price-to-earnings (P/E) ratio of 6.45. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 0.81.

Does PNB pay a dividend?

Punjab National Bank (PNB) currently offers a dividend yield of 2.85%.

What is the return on equity (ROE) of PNB?

PNB has a return on equity (ROE) of 12.26%.

Is PNB a good stock to buy?

This page provides a data-driven analysis of Punjab National Bank (PNB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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