PNB
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PNB share price

Punjab National Bank

NSE: PNB BSE: 532461 SECTOR: Bank - Public  5.69 L   2.67 K   820

107.21
-0.55 (-0.51%)
NSE: Today, 02:54 PM

Price Summary

Today's High

₹ 108.23

Today's Low

₹ 107.05

52 Week High

₹ 115.71

52 Week Low

₹ 85.46

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 123215.84 Cr.

CASA %

36.61

No. of Shares

1149.29 Cr.

P/E

8.19

P/B

1

Face Value

₹ 2

Div. Yield

2.7 %

Book Value (TTM)

₹  107.59

Net Interest Income

₹ 42782.17 Cr.

Cost To Income %

54.59

Promoter Holding

70.08 %

EPS (TTM)

₹  13.1

CAR %

17.01

ROE

15.31 %

ROCE

16.3%

Profit Growth

101.71 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year15.31%
3 Year8.93%
5 Year6.73%

ROA%

1 Year0.98%
3 Year0.57%
5 Year0.43%

Net NPA%

1 Year0.4%
3 Year1.28%
5 Year2.88%

 NIM

1 Year2.48%
3 Year2.56%
5 Year2.52%

CAR %

17.01

Cost of Liabilities %

4.7854

PEG Ratio

0.09

Advances Growth %

15.3081

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 70.08 0.00
Mar 2025 70.08 0.00
Dec 2024 70.08 0.00
Sep 2024 70.08 0.00
Jun 2024 73.15 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 36.6101% of total deposits.
  • Good Capital Adequacy Ratio of 17.01%.
  • The company has delivered good Profit growth of 68.8110607969129% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.569966666666667%
  • CASA Growth of -3.7268% YoY, which is very low.
  • High Cost to income ratio of 54.5947%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 28556.43 29875.01 31339.83 31989.46 31963.94
Other Income 3609.52 4572.09 3411.87 4715.89 5267.82
Interest Expended 18080.18 19358.32 20307.58 21232.48 21385.85
Operating Expenses 7504.61 8235.47 7823.57 8697.22 8764.56
Total Provisions 1312.32 288.01 -285.4 359.67 323.1
Profit Before Tax 5268.84 6565.3 6905.95 6415.98 6758.25
Tax 2017.31 2261.84 2397.74 1848.98 5083.25
Net Profit 3251.53 4303.46 4508.21 4567 1675
Net NPA % 0.6 0.46 0.41 0.4 0.38
Gross NPA % 4.98 4.48 4.09 3.95 3.78
Return on Assets % 0.82 1.02 1.03 1.02 0.37
NPM % 11.39 14.4 14.38 14.28 5.24

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 80818.4 74879.54 85144.11 106901.62 121760.73
Other Income 11922.31 12319.96 12142.53 13383.54 16309.37
Interest Expended 50272.79 46185.08 50652.47 66818.55 78978.56
Operating Expenses 20308.75 20252.6 24105.41 28535.8 32260.87
Total Provisions 18679.78 16445.43 18240.49 11736.6 1674.6
Profit Before Tax 3479.4 4316.39 4288.26 13194.21 25156.07
Taxes 1457.78 859.43 1781.06 4949.59 8525.87
Net Profit 2021.62 3456.96 2507.2 8244.62 16630.2
Adjusted EPS (Rs.) 1.93 3.14 2.28 7.49 14.47

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 2095.54 2202.2 2202.2 2202.2 2298.59
Total Reserves 88841.77 93284.69 97653.46 104274.37 125063.66
Deposits 1106332.47 1146218.45 1281163.1 1369712.81 1566623.28
Borrowings 42840.31 45681.41 51291.73 50429.85 83776.72
Other Liabilities 20522.52 27418.27 29520.87 35215.77 40408.49
Total Liabilities 1260632.62 1314805.02 1461831.36 1561835.01 1818170.73
Assets
Balance with RBI 43958.83 85736.12 78176.58 65032.91 64304.61
Balance with Banks 67390.88 46910.66 76932.23 64071.67 84415.23
Investments 392983.25 372167.76 395996.72 420318.21 497311.25
Advances 674230.08 728185.68 830833.98 934430.59 1077474.57
Net Block 11020.9 10673.61 12051.07 12318.77 13053.39
Other Assets 71048.68 71131.2 67840.78 65662.85 81611.68
Total Assets 1260632.62 1314805.02 1461831.36 1561835.01 1818170.73
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 73.15 70.08 70.08 70.08 70.08
central government (presi... - - - - 70.08
government of india (thro... - - 70.08 70.08 -
central government (throu... 73.15 70.08 - - -
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 26.85 29.92 29.92 29.92 29.92
life insurance corporatio... 8.18 7.91 8.32 9.15 9.18
sbi contra fund - - 1.70 1.72 2.41
citigroup global markets ... - 1.15 - - -

Annual Reports

Title Link
Title Link
Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY Link
TYPE AGENCY Link
Credit INDIA RATINGS
Credit CARE
Credit CRISIL
Credit INDIA RATINGS
Credit BRICKWORK
Credit BRICKWORK
Credit ICRA
Credit CRISIL
Credit FITCH
Credit ICRA
Credit CARE
Credit FITCH
Credit FITCH
Credit MOODY
Credit FITCH
Credit FITCH
Credit CRISIL
Credit CRISIL
Credit FITCH
Credit CRISIL
Credit ICAR
Credit CARE
Credit FITCH
Credit ICRA
Credit FITCH
Credit CRISIL
Credit INDIA RATINGS & RESEARCH
Credit CRISIL
Credit ICRA
Credit CARE
Credit ICRA
TYPE AGENCY Link
TYPE AGENCY Link
Research Geojit
Research LKP Securities
Research HDFC Securities
Research LKP Securities
Research Ventura
Research Nirmal Bang Institutional
Research Motilal Oswal

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY24
Concall Q4FY23
Concall Q2FY24
Concall Q2FY21
Concall Q1FY21
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY24
Presentation Q3FY25
Presentation Q3FY24
Presentation Q3FY21
Presentation Q2FY21
Presentation Q1FY25
Presentation Q1FY24
Presentation Q1FY21

Company News

PNB Stock Price Analysis and Quick Research Report. Is PNB an attractive stock to invest in?

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how PNB is performing and if it is the right time to buy the stock of PNB with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. PNB has earned Rs 121760.727 Cr. revenue in the latest financial year. PNB has posted outstanding revenue growth of 17.592779858717% in last 3 Years.

  • In terms of advances, PNB reported 15.3081% YOY,  rise . If you see 3 years advance growth, it stands at 13.9519162470777%.

  • Currently, PNB has a CASA ratio of 36.6101%. It’s overall cost of liability stands at 4.7854 %. Also, the total deposits from these accounts stood at Rs 1566623.283 Cr.

  • PNB has a average ROA track record. The ROA of PNB is at 0.984%.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of PNB stood at 3.95% and 0.4% respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -85.7318319189109% which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of PNB surged and is currently at Rs 16309.3713 Cr.

  • PNB has a Good Capital Adequacy Ratio of 17.01 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently PNB is trading at a P/B of 0.9991 . The historical average PB was 0.756075596953585.

One can find all the Financial Ratios of PNB in Ticker for free. Also, one can get the intrinsic value of PNB by using Valuation Calculators, which are available with a Finology ONE subscription. 

PNB FAQs

Q1. What is PNB share price today?
Ans: The current share price of PNB is Rs 107.21.

Q2. What is the market capitalisation of PNB?
Ans: PNB has a market capitalisation of Rs 123215.844776228 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of PNB?
Ans: The PE ratio of PNB is 8.18509413507199 and the P/B ratio of PNB is 0.996427323355119, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of PNB share?
Ans: The 52-week high share price of PNB is Rs 115.71, and the 52-week low share price of PNB is Rs 85.46.

Q5. Does PNB pay dividends?
Ans: Currently, PNB pays dividends. Dividend yield of PNB is around 2.6964%.

Q6. What are the face value and book value of PNB shares?
Ans: The face value of PNB shares is Rs 2, while the book value per share of PNB is around Rs 107.5944. Face value is the nominal value set by the company, whereas book value reflects its accounting worth.

Q7. What are the ROE and ROCE of PNB?
Ans: The ROE of PNB is 15.3115% and ROCE of PNB is 16.3015%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is PNB a good buy for the long term?
Ans: The PNB long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is PNB undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the PNB appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check PNB’s financials?
Ans: You can review PNB’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
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