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PNB.

PNB.NS

Punjab National Bank

$106.43
-0.74
 (-0.69%)
Exchange:  NSE
Market Cap:  1.223T
Shares Outstanding:  9.706B
Delayed data
Calculate PNB.NS 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:  102349
Address: 
Plot No. 4
New Delhi
110075
IN
Website:  https://www.pnbindia.in
Punjab National Bank is an Indian financial institution offering a diverse range of banking and financial services. Its operations are structured across several key segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and other ancillary banking activities. For individual customers, the bank delivers a comprehensive suite of personal banking solutions, including various savings and current account options, fixed and capital gain deposit schemes, and even gold monetization programs. It also extends a wide array of credit facilities, such as home, auto, education, personal, and mortgage loans, alongside various card products. The bank caters to micro, small, and medium enterprises (MSMEs) through specialized schemes, provides banking services to government entities, and supports the agricultural sector with dedicated financial products. Its corporate banking portfolio encompasses services like loans against future lease rentals, working capital finance, term loans, export-import (EXIM) finance, cash management solutions, and even gold card schemes designed for exporters. Additionally, it facilitates international banking services. Beyond traditional banking, Punjab National Bank offers an extensive range of insurance products, covering life, fire, motor, marine, theft/burglary, fidelity guarantee, personal accident, health, travel, and household goods. It further provides investment-related services such as depository, mutual fund, merchant banking, and application supported by blocked amount (ASBA) facilities. To enhance accessibility and convenience, the bank provides modern digital and self-service options including mobile banking, SMS banking, missed call services, e-statements, ATMs, cash deposit machines, passbook updating machines, and electronic cheque deposit machines, in addition to debit cards. As of March 31, 2022, its extensive network comprised 10,098 branches across India, complemented by two international branches located in Hong Kong and Dubai, along with two representative offices in Bangladesh and Myanmar. Established in 1895, the bank maintains its headquarters in New Delhi, India.

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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
Revenue1,237,946,8001,404,643,9001,476,306,500
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 Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)778,070,711.978Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)810,540,842.314Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)794,305,777.146Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)275,139,237.538Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)286,621,236.238Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)280,880,236.888Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)167,036,544.291Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)231,464,871.468Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)208,759,799.600Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)142,968,027.501Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)148,934,311.048Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)145,951,169.275Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)18.230Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)20.140Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)14.530Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)5Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)5Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
0.82
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
6.73
?Enterprise Value
 (TTM)
: 
662.385B  ?EV/FCF
 (TTM)
: 
-1.38
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.18
?ROE
 (TTM)
: 
0.13  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.72
?P/B
 (TTM)
: 
0.82  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

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

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
722.31Full AccessFull AccessFull AccessFull 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.NS valuation

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

MARKETSnap estimates intrinsic value for Punjab National Bank (PNB.NS) 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.NS a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PNB.NS 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.NS’s P/E ratio?

You can see PNB.NS’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.NS?

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.NS a good long-term investment?

Whether PNB.NS 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.NS

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

Daily snapshot

-0.69
MARKETSnap

Trading Metrics:

Open: 106.1   Previous Close: 107.17
Day Low: 105.12   Day High: 106.84
Year Low: 98.5   Year High: 135.15
Price Avg 50: 107.73   Price Avg 200: 116.15
Volume: 26.991M   Average Volume: 21.085M

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