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PNB.

PNB.BO

Punjab National Bank

$116.4
0.45
 (0.39%)
Exchange:  BSE
Market Cap:  1.338T
Shares Outstanding:  9.706B
Delayed data
Calculate PNB.BO Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Ashok Chandra
Full Time Employees:  103184
Address: 
Plot No. 4
New Delhi
DE
110075
IN
Website:  https://pnb.bank.in
Headquartered in New Delhi, India, Punjab National Bank is an established Indian financial institution founded in 1895, offering a comprehensive array of banking and financial services throughout India. Its operations are organized into key divisions: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. For individual clients, PNB provides a wide range of personal banking solutions, including various deposit accounts like savings, current, and fixed deposits, alongside specialized offerings such as capital gain and gold monetization schemes. The bank also facilitates numerous lending options, including housing, vehicle, education, personal, and mortgage loans, complemented by card services. Catering to businesses, PNB supports micro, small, and medium enterprises (MSMEs) with specific schemes, offers banking products tailored for government entities, and delivers dedicated agricultural banking services. Its corporate banking division provides financing solutions such as working capital, term loans, and loans against future lease rentals, in addition to EXIM finance, cash management services, and specialized gold card schemes for exporters, alongside international banking facilities. Beyond conventional banking, PNB extends its offerings to include various insurance products covering life, fire, motor, cargo, theft/burglary, fidelity guarantee, personal accident, health, travel, and household goods. The bank also assists with investment services like depository, mutual funds, merchant banking, and Application Supported by Blocked Amount (ASBA). To enhance customer accessibility and convenience, Punjab National Bank leverages extensive digital and self-service channels, including mobile and SMS banking, e-statements, missed call services, ATMs, cash deposit machines, passbook updating machines, and electronic cheque deposit machines. While its primary network consists of numerous branches across India, the bank also maintains an international presence with a branch in Dubai and representative offices in Bangladesh and Myanmar.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202420252026
Revenue1,237,946,8001,404,643,9001,506,893,700
Gross Profit552,605,200597,605,500589,106,300
EBITDA149,618,000268,476,900283,628,600
Operating Income141,599,500260,154,800284,525,900
Net Income91,072,000184,802,900183,926,900

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(* All numbers are in thousands)

Balance Sheet

Year202420252026
Total Assets15,986,359,60018,575,436,30020,333,309,500
Total Liabilities14,876,884,60017,237,772,40018,826,692,000
Total Stockholders Equity1,103,867,3001,331,379,6001,499,722,200
Total Debt725,856,2002,053,771,7001,075,584,000
Cash and Cash Equivalents1,314,001,9001,507,595,8001,641,219,800

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(* All numbers are in thousands)

Cash Flow Statement

Year202420252026
Operating Cash Flow-279,394,400220,752,800252,466,400
Capital Expenditure-11,436,500-16,014,100-16,245,800
Free Cash Flow-291,144,400204,738,700236,220,600
Net Income91,072,000184,802,900183,926,900
Net Change in Cash-259,282,900193,593,9000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)739,749,752.033Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)811,811,946.165Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)774,304,919.496Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)256,960,901.444Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)281,992,564.264Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)268,964,051.099Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)169,608,187.161Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)241,085,972.445Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)205,776,031.200Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)117,218,170.463Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)128,636,894.879Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)122,693,662.004Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)18.850Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)20.970Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)14.750Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)12Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)9Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
0.89
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
6.08
?Enterprise Value
 (TTM)
: 
752.276B  ?EV/FCF
 (TTM)
: 
-1.57
?Dividend Yield
 (TTM)
: 
2.57%  ?Payout Ratio
 (TTM)
: 
15.05%
?ROE
 (TTM)
: 
14.79%  ?ROIC
 (TTM)
: 
7.21%
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.67
?P/B
 (TTM)
: 
0.86  ?Current Ratio
 (TTM)
: 
0.09

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
788.46Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about PNB.BO valuation

Is Punjab National Bank (PNB.BO) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Punjab National Bank (PNB.BO) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PNB.BO a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PNB.BO trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PNB.BO’s P/E ratio?

You can see PNB.BO’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PNB.BO?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PNB.BO a good long-term investment?

Whether PNB.BO fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PNB.BO

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.39
MARKETSnap

Trading Metrics:

Open: 115.5   Previous Close: 115.95
Day Low: 115.05   Day High: 116.7
Year Low: 85.5   Year High: 135.15
Price Avg 50: 122.62   Price Avg 200: 112.48
Volume: 409412   Average Volume: 966403

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