Punjab National Bank

Punjab Natl.Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Punjab National Bank

₹ 102 1.14%
21 May 2:17 p.m.
pnbindia.in BSE: 532461 NSE: PNB
About

Punjab National Bank is India's first Swadeshi Bank. PNB is a Banking and Financial service bank owned by the Government of India with its headquarters is in New Delhi, India. It is the Second largest PSU after SBI.[1]

Key Points

Market Position
The bank is among the top 3 Public Sector Banks in India by way of business size, with a strong presence in North and Central India. [1]

Website BSE NSE
  • Market Cap ₹ 1,16,883 Cr.
  • Current Price ₹ 102
  • High / Low ₹ 139 / 85.5
  • Stock P/E 6.35
  • Book Value ₹ 116
  • Dividend Yield 2.83 %
  • ROCE 6.32 %
  • ROE 15.2 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 0.87 times its book value
  • Company has delivered good profit growth of 111% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 19.2%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 9.41% over last 3 years.
  • Contingent liabilities of Rs.2,60,559 Cr.
  • Company might be capitalizing the interest cost
  • Promoter holding has decreased over last 3 years: -3.07%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

Part of BSE 500 BSE 100 BSE 200 BSE PSU Nifty Next 50

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
19,090 19,144 20,588 22,808 24,305 25,673 26,858 27,852 28,682 29,145 30,447 31,895 32,523
Interest 11,497 11,443 12,172 13,513 14,690 16,064 16,820 17,444 18,206 18,536 19,790 20,738 21,640
9,384 9,523 10,493 11,578 10,813 10,990 10,259 9,449 9,831 8,473 8,592 7,494 9,142
Financing Profit -1,791 -1,822 -2,077 -2,282 -1,197 -1,381 -221 959 646 2,136 2,065 3,663 1,742
Financing Margin % -9% -10% -10% -10% -5% -5% -1% 3% 2% 7% 7% 11% 5%
2,261 2,384 2,704 3,325 3,827 3,360 2,999 2,676 4,294 3,615 4,664 3,392 4,776
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 470 562 626 1,043 2,630 1,979 2,778 3,634 4,940 5,751 6,729 7,055 6,518
Tax % 48% 46% 42% 37% 34% 39% 36% 38% 37% 35% 34% 34% 29%
348 271 496 715 1,876 1,363 1,990 2,441 3,363 3,991 4,739 4,811 5,011
EPS in Rs 0.31 0.26 0.45 0.64 1.69 1.22 1.81 2.21 3.04 3.61 4.10 4.18 4.34
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
44,958 48,710 50,804 48,058 48,725 52,147 54,918 81,935 76,242 86,845 109,065 124,010
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
16,112 18,760 27,453 22,533 43,345 39,645 25,867 38,601 36,026 41,502 39,623 33,700
Financing Profit 626 -1,394 -10,980 -7,197 -28,151 -22,153 -7,946 -7,470 -6,607 -6,473 908 9,606
Financing Margin % 1% -3% -22% -15% -58% -42% -14% -9% -9% -7% 1% 8%
4,710 6,175 6,100 9,168 8,883 7,367 9,388 12,777 12,329 12,529 14,158 16,447
Depreciation 367 384 413 430 581 584 614 982 896 905 906 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 26,053
Tax % 29% 24% -31% 41% -37% -35% 56% 38% 19% 35% 35% 33%
3,674 3,525 -3,510 1,239 -12,111 -9,550 485 2,695 3,908 3,359 9,157 18,553
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
Dividend Payout % 10% 18% -2% 0% 0% 0% 0% 0% 18% 21% 18% 18%
Compounded Sales Growth
10 Years: 10%
5 Years: 18%
3 Years: 18%
TTM: 14%
Compounded Profit Growth
10 Years: 18%
5 Years: 111%
3 Years: 69%
TTM: 103%
Stock Price CAGR
10 Years: -4%
5 Years: 30%
3 Years: 50%
1 Year: -21%
Return on Equity
10 Years: 2%
5 Years: 7%
3 Years: 9%
Last Year: 15%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 362 371 393 426 552 921 1,348 2,096 2,202 2,202 2,202 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
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
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
16,490 19,522 18,932 16,909 22,242 15,333 14,814 21,176 28,113 30,273 36,438 41,579
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
3,490 3,656 5,308 6,298 6,371 6,246 7,262 11,049 10,696 12,084 12,348 13,083
CWIP 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
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
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

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
16,906 4,814 14,167 21,938 -1,742 -33,532 -12,793 30,950 20,032 22,592 -27,939 22,075
-302 -872 -1,352 159 392 -629 -338 -787 -1,204 -732 -1,506 -1,578
2,129 7,451 5,975 -9,767 7,460 13,969 13,591 5,415 2,032 1,275 3,518 -1,138
Net Cash Flow 18,733 11,393 18,790 12,330 6,109 -20,192 460 35,579 20,859 23,135 -25,928 19,359

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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% -8% 3% -29% -22% 1% 3% 4% 3% 9% 15%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 70.08% 70.08% 70.08%
0.99% 1.22% 1.71% 1.71% 1.82% 2.65% 3.10% 4.82% 5.51% 8.42% 5.70% 5.71%
11.45% 12.29% 12.98% 13.53% 13.44% 13.80% 13.74% 12.37% 10.76% 11.61% 14.31% 14.67%
14.41% 13.33% 12.16% 11.61% 11.57% 10.41% 10.00% 9.67% 10.57% 9.89% 9.91% 9.54%
No. of Shareholders 20,40,14120,10,93820,29,64620,67,20220,30,10020,83,54621,63,62523,53,62525,29,28325,79,49126,40,52026,53,665

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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