Punjab National Bank

106.56

-1.47

(-1.36%)

Market Cap (₹ Cr.)

₹1,18,974

52 Week High

142.90

Book Value

₹93

52 Week Low

67.35

PE Ratio

10.14

PB Ratio

1.10

PE for Sector

17.46

PB for Sector

1.87

ROE

8.25 %

ROCE

5.17 %

Dividend Yield

1.39 %

EPS

₹10.66

Industry

Banks

Sector

Banks - Public Sector

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

23.52 %

Net Income Growth

172.63 %

Cash Flow Change

-223.67 %

ROE

153.94 %

ROCE

35.63 %

EBITDA Margin (Avg.)

16.37 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Revenue	13,456	13,432	13,702	13,891	12,669	13,475	13,639	14,124	14,989	14,468	14,205	15,258	12,946	15,072	14,036	14,854	14,725	15,162	15,557	15,968	16,388	24,293	23,280	23,042	21,386	22,816	21,262	22,026	21,095	21,294	23,001	25,722	27,269	28,579	29,383	29,962	32,361	32,166
Expenses	6,228	4,179	4,622	6,648	11,870	5,063	4,910	5,652	6,308	5,578	5,083	7,292	25,425	8,215	12,602	5,763	13,300	4,759	5,895	7,143	8,176	9,842	9,748	10,072	8,586	9,701	8,875	8,781	9,341	9,491	10,457	11,515	10,883	10,935	10,179	9,375	9,783	8,817
EBITDA	7,227	9,253	9,080	7,243	799	8,412	8,729	8,472	8,681	8,890	9,122	7,965	-12,479	6,858	1,434	9,091	1,426	10,403	9,661	8,825	8,212	14,451	13,531	12,970	12,800	13,115	12,387	13,245	11,754	11,803	12,544	14,208	16,386	17,644	19,204	20,587	22,578	23,349
Operating Profit %	47 %	65 %	63 %	46 %	-10 %	56 %	59 %	53 %	47 %	54 %	59 %	40 %	-123 %	37 %	-2 %	56 %	-4 %	64 %	56 %	47 %	41 %	52 %	54 %	51 %	54 %	49 %	51 %	55 %	50 %	49 %	48 %	49 %	54 %	57 %	61 %	66 %	65 %	69 %
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	7,859	7,932	8,023	8,101	8,056	7,876	7,951	8,253	8,203	8,281	8,284	8,187	8,321	8,421	8,352	8,745	8,635	8,945	9,028	9,208	9,181	13,857	12,553	12,012	11,852	11,694	11,628	11,522	11,341	11,214	11,883	13,205	14,350	15,641	16,432	16,995	17,750	18,080
Profit Before Tax	-632	1,321	1,056	-858	-7,257	536	778	219	478	609	838	-221	-20,801	-1,563	-6,918	346	-7,210	1,458	633	-383	-969	594	979	958	948	1,421	760	1,723	413	589	661	1,003	2,036	2,003	2,772	3,592	4,828	5,269
Tax	-938	600	435	-909	-1,890	230	229	12	216	265	278	-452	-7,384	-623	-2,386	100	-2,460	439	126	109	-272	286	358	452	362	397	-345	596	212	281	250	374	877	747	1,016	1,369	1,817	2,017
Net Profit	307	721	621	51	-5,367	306	549	207	262	343	561	230	-13,417	-940	-4,532	247	-4,750	1,019	507	-492	-697	308	621	506	586	1,023	1,105	1,127	202	308	411	629	1,159	1,255	1,756	2,223	3,010	3,252
EPS in ₹	1.69	3.89	3.35	0.26	-27.33	1.56	2.76	0.97	1.23	1.61	2.63	1.04	-54.89	-3.41	-16.18	0.70	-12.38	2.21	1.10	-0.83	-1.03	0.33	0.66	0.53	0.56	0.95	1.00	1.02	0.18	0.28	0.37	0.57	1.05	1.14	1.59	2.02	2.73	2.95

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	6,67,390	7,20,331	7,65,830	7,74,949	8,30,666	12,60,630	13,14,800	14,61,830	15,61,840
Fixed Assets	5,223	6,273	6,349	6,225	7,239	11,021	10,674	12,051	12,319
Current Assets	0	0	0	0	0	0	0	0	0
Capital Work in Progress	0	0	0	0	0	0	0	0	0
Investments	1,57,846	1,86,726	2,00,306	2,02,128	2,40,466	3,92,984	3,72,168	3,95,997	4,20,318
Other Assets	5,04,321	5,27,332	5,59,175	5,66,596	5,82,961	8,56,626	9,31,958	10,53,782	11,29,203
Total Liabilities	6,29,080	6,78,484	7,24,756	7,30,162	7,68,309	11,69,693	12,19,313	13,61,974	14,55,363
Current Liabilities	0	0	0	0	0	0	0	0	0
Non Current Liabilities	6,29,080	6,78,483	7,24,756	7,30,162	7,68,309	11,69,693	12,19,318	13,61,971	14,55,356
Total Equity	38,310	41,847	41,074	44,787	62,358	90,937	95,487	99,856	1,06,477
Reserve & Surplus	37,917	41,421	40,522	43,866	61,010	88,842	93,285	97,654	1,04,274
Share Capital	393	426	552	921	1,348	2,096	2,202	2,202	2,202

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	10,716	17,119	12,709	7,130	-20,174	705	35,357	21,297	22,462	-26,004
Investing Activities	-849	-783	-527	-1,288	-260	-239	-839	-1,207	-682	-1,539
Operating Activities	5,619	17,045	12,497	1,012	-30,892	-12,613	30,903	20,464	21,780	-27,895
Financing Activities	5,946	856	739	7,407	10,979	13,557	5,293	2,041	1,364	3,430

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	May 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	76.87 %	73.15 %	73.15 %	73.15 %	73.15 %	73.15 %	73.15 %	73.15 %	73.15 %	73.15 %	73.15 %	73.15 %	73.15 %	73.15 %	73.15 %
FIIs	2.94 %	4.97 %	2.51 %	2.21 %	1.19 %	1.36 %	0.99 %	1.22 %	1.71 %	1.70 %	1.82 %	2.65 %	3.10 %	4.82 %	5.51 %
DIIs	9.07 %	9.93 %	11.27 %	11.20 %	11.61 %	11.60 %	11.45 %	12.29 %	12.98 %	13.53 %	13.45 %	13.80 %	13.74 %	12.36 %	10.77 %
Government	0.01 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	11.12 %	11.94 %	13.07 %	13.44 %	14.05 %	13.89 %	14.41 %	13.34 %	12.16 %	11.62 %	11.58 %	10.40 %	10.00 %	9.67 %	10.57 %

Show % Change

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
State Bank of India	787.00	6,98,841.75	9.56	5,94,574.89	25.60	68,138	5.24	44.32
Bank of Baroda	234.35	1,23,957.55	6.51	1,41,778.71	27.98	18,410	6.63	40.43
Punjab National Bank	106.29	1,18,974.02	10.14	1,22,394.01	23.52	9,157	192.84	38.08
Indian Overseas Bank	57.27	1,10,068.75	39.08	29,730.97	26.39	2,666	28.69	43.41
Canara Bank	104.20	95,740.72	6.13	1,39,164.93	25.14	14,782	9.15	43.05
Union Bank of India	121.62	94,733.05	6.69	1,18,188.36	21.75	13,709	11.31	49.03
Indian Bank	509.10	69,974.78	7.66	64,231.68	21.67	8,129	38.98	33.85
UCO Bank	47.26	58,488.55	29.29	25,119.87	24.61	1,654	146.88	36.57
Central Bank of India	57.97	52,129.04	16.73	35,561.98	19.57	2,677	89.57	44.65
Bank of India	109.70	51,103.70	7.41	67,306.47	22.06	6,567	20.98	33.59

Corporate Action

Technical Indicators

RSI(14)

Neutral

38.08

ATR(14)

Less Volatile

2.58

STOCH(9,6)

Neutral

27.17

STOCH RSI(14)

Neutral

47.75

MACD(12,26)

Bearish

-0.23

ADX(14)

Strong Trend

29.50

UO(9)

Bearish

37.15

ROC(12)

Downtrend But Slowing Down

-6.67

WillR(14)

Oversold

-82.24