Punjab National Bank

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

₹ 117 -1.00%
24 Sep - close price
pnbindia.in BSE: 532461 NSE: PNB F&O
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[1]
The bank is among the top 3 Public Sector Banks in India and 2nd largest by way of business size.

Website BSE NSE F&O
  • Market Cap ₹ 1,34,662 Cr.
  • Current Price ₹ 117
  • High / Low ₹ 135 / 98.5
  • Stock P/E 6.10
  • Book Value ₹ 136
  • Dividend Yield 2.56 %
  • ROCE 6.13 %
  • ROE 13.0 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 0.86 times its book value
  • Company has delivered good profit growth of 48.2% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 18.3%

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 9.80% over past five years.
  • Company has a low return on equity of 12.4% over last 3 years.
  • Contingent liabilities of Rs.5,24,629 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

Financial Services Financial Services Banks Public Sector Bank

Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 BSE PSU

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
25,673 26,858 27,852 28,682 29,145 30,447 31,895 32,523 32,572 32,513 32,889 32,798 33,589
Interest 16,064 16,820 17,444 18,206 18,536 19,790 20,738 21,640 21,828 21,858 22,164 22,219 22,583
10,990 10,259 9,449 9,831 8,473 8,592 7,494 9,142 9,197 8,299 9,298 7,518 8,262
Financing Profit -1,381 -221 959 646 2,136 2,065 3,663 1,742 1,547 2,356 1,426 3,061 2,743
Financing Margin % -5% -1% 3% 2% 7% 7% 11% 5% 5% 7% 4% 9% 8%
3,360 2,999 2,676 4,294 3,615 4,664 3,392 4,776 5,427 4,171 5,013 4,080 4,365
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1,979 2,778 3,634 4,940 5,751 6,729 7,055 6,518 6,973 6,527 6,440 7,141 7,108
Tax % 39% 36% 38% 37% 35% 34% 34% 29% 74% 26% 19% 27% 25%
1,363 1,990 2,441 3,363 3,991 4,739 4,811 5,011 2,167 5,121 5,577 5,602 5,835
EPS in Rs 1.22 1.81 2.21 3.04 3.61 4.10 4.18 4.34 1.84 4.46 4.83 4.87 5.06
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
48,710 50,804 48,058 48,725 52,147 54,918 81,935 76,242 86,845 109,065 124,010 130,772 131,789
Interest 31,343 34,331 32,722 33,530 34,656 36,997 50,805 46,823 51,817 68,534 80,704 88,069 88,824
18,760 27,453 22,533 43,345 39,645 25,867 38,601 36,026 41,502 39,623 32,743 33,031 33,378
Financing Profit -1,394 -10,980 -7,197 -28,151 -22,153 -7,946 -7,470 -6,607 -6,473 908 10,563 9,672 9,587
Financing Margin % -3% -22% -15% -58% -42% -14% -9% -9% -7% 1% 9% 7% 7%
6,175 6,100 9,168 8,883 7,367 9,388 12,777 12,329 12,529 14,158 17,560 20,062 17,629
Depreciation 384 413 430 581 584 614 982 896 905 906 958 1,281 0
Profit before tax 4,397 -5,293 1,540 -19,849 -15,370 827 4,325 4,826 5,151 14,160 27,166 28,453 27,216
Tax % 24% -31% 41% -37% -35% 56% 38% 19% 35% 35% 32% 35%
3,525 -3,510 1,239 -12,111 -9,550 485 2,695 3,908 3,359 9,157 18,553 18,467 22,134
EPS in Rs 18.33 -18.79 5.58 -43.88 -20.79 0.65 2.45 3.51 3.04 8.27 16.08 16.00 19.22
Dividend Payout % 18% -2% 0% 0% 0% 0% 0% 18% 21% 18% 18% 19%
Compounded Sales Growth
10 Years: 10%
5 Years: 10%
3 Years: 15%
TTM: 3%
Compounded Profit Growth
10 Years: 21%
5 Years: 48%
3 Years: 76%
TTM: 33%
Stock Price CAGR
10 Years: -2%
5 Years: 25%
3 Years: 13%
1 Year: 6%
Return on Equity
10 Years: 4%
5 Years: 9%
3 Years: 12%
Last Year: 13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 371 393 426 552 921 1,348 2,096 2,202 2,202 2,202 2,299 2,299
Reserves 41,669 41,412 42,990 40,965 45,164 62,529 90,439 95,380 100,678 108,185 130,839 147,674
Deposits 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 1,724,795
Borrowing 36,692 81,674 43,336 65,330 46,828 62,512 52,298 59,372 70,149 72,586 105,807 107,558
19,522 18,932 16,909 22,242 15,333 14,814 21,176 28,113 30,273 36,438 41,579 51,005
Total Liabilities 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 2,033,331
3,656 5,308 6,298 6,371 6,246 7,262 11,049 10,696 12,084 12,348 13,083 15,625
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 156,762 165,126 191,527 204,419 210,578 253,782 404,369 388,586 416,914 446,421 524,840 523,515
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 1,494,191
Total Assets 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 2,033,331

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
4,814 14,167 21,938 -1,742 -33,532 -12,793 30,950 20,032 22,592 -27,939 22,075 25,635
-872 -1,352 159 392 -629 -338 -787 -1,204 -732 -1,506 -1,578 -609
7,451 5,975 -9,767 7,460 13,969 13,591 5,415 2,032 1,275 3,518 -1,138 -11,664
Net Cash Flow 11,393 18,790 12,330 6,109 -20,192 460 35,579 20,859 23,135 -25,928 19,359 13,362
Free Cash Flow 4,267 13,561 21,442 -2,394 -33,972 -13,131 30,164 19,496 22,040 -29,083 20,490 24,052
CFO/OP 25% 67% 92% 1% -268% -36% 72% 54% 52% -38% 30% 26%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 8% -9% 3% -29% -22% 1% 3% 4% 3% 9% 15% 13%

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Gross NPA Ratio
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Domestic CASA Share (% of Domestic Deposits)
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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
73.15% 73.15% 73.15% 73.15% 70.08% 70.08% 70.08% 70.08% 70.08% 70.08% 70.08% 70.08%
2.65% 3.10% 4.82% 5.51% 8.42% 5.70% 5.71% 5.52% 5.67% 5.93% 6.39% 5.93%
13.80% 13.74% 12.37% 10.76% 11.61% 14.31% 14.67% 15.06% 15.54% 16.09% 16.05% 16.06%
10.41% 10.00% 9.67% 10.57% 9.89% 9.91% 9.54% 9.34% 8.70% 7.91% 7.48% 7.91%
No. of Shareholders 20,83,54621,63,62523,53,62525,29,28325,79,49126,40,52026,53,66525,74,69324,55,48423,09,00322,22,88922,31,532

* 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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