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Punjab National Bank PNB NSEFINANCIALPSU

Financial Services · Banks - Regional · India
https://pnb.bank.in

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.

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₹106.05
+6.66% 1Y

Market & Price

Market Cap
₹1.22 L Cr
Current Price
₹106.05
High / Low (52W)
₹132.36 / ₹99.43
Beta
0.60

Valuation

Stock P/E
6.63
Industry PE
19.12
Forward P/E
6.38
PEG Ratio
-
Book Value
₹129.54
Price to Book
0.82
P/S
2.07
EV/EBITDA
-
Dividend Yield
2.83%

Profitability & Returns

ROCE
-
ROE
12.98%
ROA
0.95%
Profit Margin
31.22%
Op Margin
29.40%
EPS (Latest Qtr)
₹4.83
EPS (TTM)
₹16.00

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹6,316.49 Cr
Total Assets
₹20.33 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
70.08%
Chg in Prom Hold
-
FII / Inst Holding
18.95%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹1.26 L Cr
Total Revenue (TTM)
₹58,910.63 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-1.22 L Cr
Shares Outstanding
₹1,149.29 Cr
Gross Margin
0.00%
Payout Ratio
18.13%

Growth (CAGR)

Revenue 5Y
9.97%
Profit 5Y
76.44%
Revenue (YoY)
15.20%
Earnings (YoY)
1.90%

PROS

  • Excellent profit margin of 31.2%.
  • Profit CAGR of 76.4% over 5 years.
  • Attractive dividend yield of 2.83%.

CONS

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

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

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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 106.05 6.63 ₹1.22 L Cr 2.83% - 12.98% 9.97% 76.44%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 14,548.75 Cr15,659.52 Cr16,170.51 Cr15,738.23 Cr14,659.24 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 7,292.28 Cr8,552.63 Cr8,852.72 Cr7,980.81 Cr6,631.92 Cr
Operating Income -----
EBITDA -----
Interest Expense 20,737.68 Cr21,639.50 Cr21,828.33 Cr22,164.43 Cr22,218.78 Cr
Pretax Income 7,055.04 Cr6,517.79 Cr6,973.42 Cr6,439.88 Cr7,141.28 Cr
Tax Provision 2,406.44 Cr1,874.92 Cr5,141.20 Cr1,250.09 Cr1,916.16 Cr
Net Income 4,801.00 Cr4,989.29 Cr2,119.88 Cr5,555.89 Cr5,591.64 Cr
Diluted EPS 4.184.341.844.834.83

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -47,092.10 Cr55,260.52 Cr59,760.55 Cr62,619.97 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -24,618.24 Cr29,607.17 Cr32,166.59 Cr33,523.84 Cr
Operating Income -----
EBITDA -----
Interest Expense -51,816.99 Cr68,534.16 Cr80,703.84 Cr88,069.40 Cr
Pretax Income -5,150.88 Cr14,159.95 Cr27,165.52 Cr28,452.59 Cr
Tax Provision -1,792.08 Cr5,002.80 Cr8,612.91 Cr9,985.90 Cr
Net Income -3,348.45 Cr9,107.20 Cr18,480.29 Cr18,392.69 Cr
Diluted EPS 3.533.048.2716.42-

Compounded Sales Growth

5 Years:9.97%
1 Year:15.20%

Compounded Profit Growth

5 Years:76.44%
1 Year:1.90%

Stock Price Performance

1 Year:+6.66%
6 Months:-13.82%
3 Months:-19.06%
1 Month:-3.03%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -14.94 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 9,538.90 Cr12,687.49 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 -1.03 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 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -22,592.10 Cr-27,939.44 Cr22,075.28 Cr25,635.41 Cr
Investing Cash Flow --732.47 Cr-1,506.42 Cr-1,577.63 Cr-609.00 Cr
Financing Cash Flow -1,274.98 Cr3,517.57 Cr-1,138.26 Cr-11,664.01 Cr
Capital Expenditure --552.39 Cr-1,175.00 Cr-1,601.41 Cr-1,624.58 Cr
Free Cash Flow -22,039.71 Cr-29,114.44 Cr20,473.87 Cr24,010.83 Cr
Net Change in Cash -23,134.61 Cr-25,928.29 Cr19,359.39 Cr13,362.40 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -7.1%16.5%30.9%29.4%
ROE % -3.3%8.3%13.9%12.3%
ROCE % -----

Shareholding Pattern

Insiders
70.08%
Institutions
18.95%
Public Float
63.33%

Analyst View

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