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Banking And Finance | Large Cap
Health Score : 7.12Punjab National Bank demonstrates a mixed financial performance. The bank shows robust growth and profitability, driven by substantial increases in revenue, operating profit, and earnings per share. High gross and net profit margins, along with strong returns on capital employed and equity, further highlight its profitability. The bank also maintains a solid liquidity position, backed by healthy cash and current ratios. However, the bank faces challenges related to solvency and financial efficiency. Its high debt levels and low capital turnover ratio raise concerns about financial risk and operational effectiveness. While the bank exhibits strong growth potential, managing its debt and improving asset utilization will be critical for sustained success. The bank's overall performance reflects a blend of high-growth opportunities and underlying financial risks that need careful management.
Health Score : 7.12Punjab National Bank demonstrates a mixed financial performance. The bank shows robust growth and profitability, driven by substantial increases in revenue, operating profit, and earnings per share. High gross and net profit margins, along with strong returns on capital employed and equity, further highlight its profitability. The bank also maintains a solid liquidity position, backed by healthy cash and current ratios. However, the bank faces challenges related to solvency and financial efficiency. Its high debt levels and low capital turnover ratio raise concerns about financial risk and operational effectiveness. While the bank exhibits strong growth potential, managing its debt and improving asset utilization will be critical for sustained success. The bank's overall performance reflects a blend of high-growth opportunities and underlying financial risks that need careful management.
Overall Valuation Score
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Markets Today NSE
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Last Traded Quantity
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Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
7.99
Industry Median
12.00
Large Cap Median
11.16
P/E RATIO
7.35
P/B RATIO
0.90
Industry Median
1.22
Large Cap Median
1.59
P/S RATIO
1.03
Industry Median
1.65
Large Cap Median
1.80
Others
PEG RATIO
0.00
EV/EBITDA RATIO
1.58
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹117.59 as on Aug 13, 2026.
Growth Score : 10.00The bank exhibits very strong growth, with high revenue, operating profit, EPS, asset, and net income growth rates. This indicates robust expansion and effective business strategies. Maintaining this growth trajectory while managing costs and risks will be critical for long-term success.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -6.95 | 13.91 | 25.59 | 13.7 | 5.45 |
| Operating Profit Growth Rate | -11.55 | -2.03 | -114.03 | 936.67 | -10.87 |
| Earnings Per Share (EPS) Growth | 43.27 | -13.39 | 172.04 | 94.44 | -0.5 |
| Asset Growth Rate | 4.66 | 11.52 | 7.03 | 16.2 | 9.46 |
| Net Income Growth Rate | 45.01 | -14.05 | 172.61 | 102.61 | -0.46 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Federal Bank Ltd | 7.18 | 19.99 | Neutral | N/A | 16.68 | 4491.00 |
| 2 | Punjab National Bank | 7.12 | 7.35 | Neutral | N/A | 14.71 | 18467.00 |
| 3 | Indian Bank | 6.89 | 10.32 | Undervalued | N/A | 90.24 | 11707.00 |
| 4 | IDBI Bank Ltd | 6.84 | 9.67 | Neutral | N/A | 8.85 | 9237.00 |
| 5 | IDFC First Bank Ltd | 6.56 | 46.28 | Neutral | N/A | 1.90 | 1611.00 |
| 6 | Canara Bank | 6.44 | 6.69 | Neutral | N/A | 21.15 | 17879.00 |
| 7 | Indian Overseas Bank | 6.01 | 12.00 | Neutral | N/A | 2.70 | 5418.00 |
| 8 | IndusInd Bank Ltd | 5.52 | 89.81 | Neutral | N/A | 11.98 | 889.00 |
| 9 | Bank of India | 4.63 | 6.40 | Neutral | N/A | 23.12 | 10309.00 |
| 10 | Union Bank of India | 4.49 | 7.33 | Neutral | N/A | 24.49 | 19430.00 |
| 11 | Yes Bank Ltd | 4.49 | 20.52 | Neutral | N/A | 1.11 | 3512.00 |
| 12 | Bank of Baroda | 3.89 | 6.46 | Highly Undervalued | N/A | 38.72 | 20070.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bullish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bearish
Punjab National Bank (PNB) is a leading Indian public sector bank offering a comprehensive suite of banking and financial services. It caters to retail, corporate, and international banking needs, holding a significant market position with a vast network across India and select international presence.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Punjab National Bank's P/E ratio (TTM) is 7.99, compared to the industry median of 12.00 and large cap median of 11.16.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Punjab National Bank's P/B ratio is 0.90, compared to the industry median of 1.22 and large cap median of 1.59.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Punjab National Bank's P/S ratio is 1.03, compared to the industry median of 1.65 and large cap median of 1.80.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Punjab National Bank's PEG ratio is N/A.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Punjab National Bank's EV/EBITDA ratio is 1.58.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Punjab National Bank's ROE is 12.31%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Punjab National Bank's ROA is 0.41%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Punjab National Bank's ROCE is 76.78%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Punjab National Bank's operating margin is 6.42%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Punjab National Bank's net margin is 14.12%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Punjab National Bank's current ratio is 29.29.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Punjab National Bank's debt-to-equity ratio is 11.50.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Punjab National Bank's interest coverage ratio is 1.31.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Punjab National Bank's DPS is ₹3.04.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Punjab National Bank's EPS is -0.50.
(Source line: "Ratios as of 13 Aug 2026, based on last traded price of ₹117.59. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded in 1894 in Lahore, Punjab National Bank was the first Indian bank to be established and managed purely by Indians. It was nationalized in 1969 along with 13 other major commercial banks. A significant milestone was the amalgamation of United Bank of India and Oriental Bank of Commerce into PNB effective April 1, 2020, making it one of the largest public sector banks in India.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail Banking | Approx. 35% (of PBT) | Operating Profit |
| Corporate/Wholesale Banking | Approx. 35% (of PBT) | Operating Profit |
| Treasury Operations | Approx. 20% (of PBT) | Operating Profit |
| Other Banking Operations | Approx. 10% (of PBT) | Operating Profit |
Atul Kumar Goel (MD & CEO): An experienced banker with over 30 years in the industry, previously serving as MD & CEO of UCO Bank and Executive Director at Union Bank of India before joining PNB.
The most notable recent corporate action was the amalgamation of Oriental Bank of Commerce and United Bank of India with Punjab National Bank, effective April 1, 2020, consolidating its position as a major PSB.
References
The Punjab National Bank share price today is ₹117.59 on NSE (PNB), as of 13 Aug 2026.
As of 13 Aug 2026, Punjab National Bank share price is ₹117.59, with previous close ₹N/A. Today's range is ₹N/A to ₹N/A. The 52-week range is ₹N/A to ₹N/A.
As of today, Punjab National Bank's market cap is ₹1,34,804 crore (Large Cap).
Punjab National Bank's current P/E ratio is 7.99, compared to the BANKING AND FINANCE sector average of 15.50.
Punjab National Bank's current P/B ratio is 0.90.
Punjab National Bank's current dividend yield is 2.59%. Last dividend of ₹1.20 per share was declared on 07-May-2024.
Punjab National Bank's EPS (TTM) is ₹-0.50.
Punjab National Bank (PNB) is a leading Indian public sector bank offering a comprehensive suite of banking and financial services. It caters to retail, corporate, and international banking needs, holding a significant market position with a vast network across India and select international presence.
Punjab National Bank is promoted by Government of India, holding 70.08% as of 13 Aug 2026.
Punjab National Bank is listed on NSE (PNB) and BSE (532461). Its next quarterly results are expected on August 2024.
Cash Earnings Per Share (Cash EPS)
Capital Expenditures (CapEx)