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PNB.NS stock logo

PNB.NS

Punjab National Bank

$111.49
-2.39
 (-2.1%)
Exchange:  NSE
Market Cap:  1.281T
Shares Outstanding:  9.706B
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 provides various banking and financial products and services in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers personal banking products and services, including saving fund accounts, current accounts, fixed deposit, and capital gain account and gold monetization schemes; housing, vehicle, education, personal, and mortgage loans; and cards. The company also provides various micro, small, and medium enterprises schemes; banking products for government customers; agricultural banking services; corporate banking products and services consisting of loans against future lease rentals, working capital financing, and term loans; EXIM finance and cash management services, as well as gold card schemes for exporters; and international banking products and services. In addition, it offers insurance services, such as life, fire, motor, marine, theft/burglary, fidelity guarantee, personal accident, health, travel, house hold goods, etc.; and depository, mutual fund, merchant banking, and application supported by blocked amount services. Further, the company provides mobile banking, SMS banking, missed call, e-statement, ATM, cash deposit machine, passbook updating machine, and electronic cheque deposit machine services, as well as debit cards. As of March 31, 2022, it operated a network of 10,098 branches in India; and 2 branches comprising 1 in Hong Kong and 1 in Dubai, as well as 2 representative offices in Bangladesh and Myanmar. The company was founded in 1895 and is headquartered 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

Year202320242025
Revenue989,090,9001,237,946,8001,404,643,900
Gross Profit470,921,000552,605,200597,605,500
EBITDA59,049,600149,618,000268,476,900
Operating Income51,508,800141,599,500260,154,800
Net Income33,484,50091,072,000184,802,900

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets14,936,489,40015,986,359,60018,575,436,300
Total Liabilities13,903,090,60014,876,884,60017,237,772,400
Total Stockholders Equity1,028,805,0001,103,867,3001,331,379,600
Total Debt701,486,200725,856,2002,053,771,700
Cash and Cash Equivalents1,573,284,8001,314,001,9001,507,595,800

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow225,921,000-279,394,400220,752,800
Capital Expenditure-5,523,900-11,436,500-16,014,100
Free Cash Flow220,397,100-291,144,400204,738,700
Net Income51,405,30091,072,000184,802,900
Net Change in Cash231,346,000-259,282,900193,593,900

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)1,934,072,409.220Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)2,418,758,684.059Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)2,137,029,758.981Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)190,083,472.775Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)237,719,150.679Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)210,030,418.755Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)0Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)0Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)0Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)306,592,972.693Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)383,426,396.880Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)338,766,172.050Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)0Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)0Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)0Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)11Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)6Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
0.88
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
7.4
?Enterprise Value
 (TTM)
: 
953.243B  ?EV/FCF
 (TTM)
: 
-1.99
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.19
?ROE
 (TTM)
: 
0.13  ?ROIC
 (TTM)
: 
0.06
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.77
?P/B
 (TTM)
: 
0.88  ?Current Ratio
 (TTM)
: 
0.09

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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
688.12Full 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.


Calculate PNB Intrinsic Value

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

-2.1
MARKETSnap

Trading Metrics:

Open: 112.5   Previous Close: 113.88
Day Low: 111.21   Day High: 113
Year Low: 89.45   Year High: 135.15
Price Avg 50: 115   Price Avg 200: 116.08
Volume: 20.354M   Average Volume: 19.422M

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