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Consolidated Standalone

PNB

₹102.1 0.4 | 0.4%

Market Cap ₹117285 Cr.

Stock P/E 14.1

P/B 1

Current Price ₹102.1

Book Value ₹ 103

Face Value 2

52W High ₹142.9

Dividend Yield 1.47%

52W Low ₹ 89.1

Edit Ratio

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Fundamental Analysis of Punjab National Bank (PNB)

Overview Inc. Year: 1895Industry: Bank - Public

Punjab National Bank is an India-based bank. The Bank's segments include Retail banking,Treasury, Corporate/Wholesale banking, and Other banking operations. The Treasury section consists of the entire investment portfolio and trading in forex contracts and spinoff contracts. The Bank presents numerous banking offerings, along with agriculture banking, retail banking, treasury operations, corporate banking, service provider banking, NRI offerings, depository services, virtual banking offerings and mutual funds. Its depository offerings comprises savings deposits, term deposits, current deposits, recurring deposits, Capital Gain Account Scheme and Gold Monetization Scheme. Its loan portfolio consists of retail loans, agriculture loans, micro, small and medium organisations (MSME) loans and corporate loans. Its other services include cash control offerings, export/import finance, gold card scheme for exporters, doorstep banking service and on-line trading.

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PNB Share Price

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Price

Quarterly Price

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Peer Comparison

PNB Quarterly Results

#(Fig in Cr.) Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 19144 20588 22808 24305 25673 26858 27852 28682 29145 30447
Other Income 2384 2704 3325 3827 3360 2999 2676 4294 3615 4664
Total Income 21527 23292 26134 28132 29033 29857 30527 32976 32760 35111
Interest Expense 11443 12172 13513 14690 16064 16820 17444 18206 18536 19790
Operating Expenditure 4762 5610 6859 7105 7035 6798 6705 8271 7570 8312
Provisions and contingencies 4761 4883 4719 3708 3955 3461 2744 1560 903 280
Operating Profit 562 626 1043 2630 1979 2778 3634 4940 5751 6729
Profit Before Tax 562 626 1043 2630 1979 2778 3634 4940 5751 6729
Provision for Tax 258 263 383 889 768 1014 1382 1839 2035 2297
Profit After Tax 304 364 660 1741 1211 1765 2253 3101 3716 4432
Adjustments -23 130 48 123 131 226 180 241 260 282
Profit After Adjustments 282 494 708 1864 1342 1990 2433 3342 3976 4714
Adjusted Earnings Per Share 0.3 0.4 0.6 1.7 1.2 1.8 2.2 3 3.6 4.1

PNB Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Interest Earned 44958 48710 50804 48058 48725 52147 54918 81935 76242 86845 109065 116126
Other Income 4710 6175 6100 9168 8883 7367 9388 12235 12098 12240 13329 15249
Total Income 49668 54884 56904 57226 57608 59515 64306 94170 88339 99085 122394 131374
Interest Expense 28220 31343 34331 32722 33530 34656 36997 50805 46823 51817 68534 73976
Operating Expenditure 9581 10809 10350 9524 13643 11689 12150 20516 20491 24336 28809 30858
Provisions and contingencies 6897 8335 17516 13440 30284 28539 14331 19067 16431 18071 11719 5487
Operating Profit 4969 4397 -5293 1540 -19849 -15370 827 3782 4594 4861 13332 21054
Profit Before Tax 4969 4397 -5293 1540 -19849 -15370 827 3782 4594 4861 13332 21054
Provision for Tax 1435 1056 -1630 639 -7264 -5343 464 1630 919 1792 5003 7553
Profit After Tax 3535 3341 -3663 901 -12584 -10026 363 2152 3676 3069 8329 13502
Adjustments 82 58 -27 286 471 456 75 410 185 279 778 963
Profit After Adjustments 3617 3400 -3690 1187 -12113 -9570 438 2562 3861 3348 9107 14465
Adjusted Earnings Per Share 20 18.3 -18.8 5.6 -43.9 -20.8 0.7 2.4 3.5 3 8.3 12.9

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 26% 10% 16% 9%
Operating Profit CAGR 174% 52% 0% 10%
PAT CAGR 171% 57% 0% 9%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 15% 40% 10% -7%
ROE Average 8% 5% 4% -2%
ROCE Average 11% 7% 6% 2%

PNB Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 38093 42039 41804 43415 41517 46084 63876 92534 97582 102881 110387
Minority's Interest 423 549 729 781 309 288 361 487 473 459 561
Deposits 461204 515245 570383 629651 648439 681874 710254 1113717 1154234 1290347 1379225
Borrowings 59033 59205 81674 43336 65330 46828 62512 52298 59372 70149 72586
Other Liabilities & Provisions 16067 18973 18204 16128 21934 15046 14453 20689 27640 29813 35878
Total Liabilities 574820 636011 712793 733311 777528 790120 851457 1279725 1339301 1493649 1598636
Cash and balance with RBI 22406 24436 26492 25410 29029 32338 38604 44267 86128 78214 65325
Bank Balance 24460 33823 52557 65969 68459 44958 39152 69067 48066 79115 66075
Investments 149225 156762 165126 191527 204419 210578 253782 404369 388586 416914 446421
Advances 366073 404614 446083 424230 438826 462416 476853 679346 733766 837459 941762
Fixed Assets 3490 3656 5308 6298 6371 6246 7262 11049 10696 12084 12348
Other Assets 9166 12720 17226 19876 30424 33583 35804 71627 72059 69864 66704
Total Assets 574820 636011 712793 733311 777528 790120 851457 1279725 1339301 1493649 1598636

PNB Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 28133 46866 58259 79049 91379 97488 77296 77756 113334 134194 157328
Cash Flow from Operating Activities 16906 4814 14167 21938 -1742 -33532 -12793 1240 20032 22592 -27939
Cash Flow from Investing Activities -302 -872 -1352 159 392 -629 -338 -787 -1204 -732 -1506
Cash Flow from Financing Activities 2129 7451 5975 -9767 7460 13969 13591 5415 2032 1275 3518
Net Cash Inflow / Outflow 18733 11393 18790 12330 6109 -20192 460 5868 20859 23135 -25928
Closing Cash & Cash Equivalent 46866 58259 77049 91379 97488 77296 77756 113334 134194 157328 131400

PNB Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 19.98 18.33 -18.79 5.58 -43.88 -20.79 0.65 2.45 3.51 3.04 8.27
CEPS(Rs) 21.55 20.09 -16.55 6.26 -43.48 -20.51 1.45 2.99 4.15 3.61 8.39
DPS(Rs) 2 3.3 0.38 0.03 0.22 0.07 0.05 0.17 0.64 0.65 1.5
Book NAV/Share(Rs) 202.61 219.18 198.41 186.13 137.05 92.31 87.74 81.44 82.22 85.76 92.71
Yield on Advances 12.28 12.04 11.39 11.33 11.1 11.28 11.52 12.06 10.39 10.37 11.58
Yield on Investments 7.51 7.76 8.19 8.05 8.43 7.45 7.02 7.43 7.04 6.52 6.82
Cost of Liabilities 5.42 5.46 5.26 4.86 4.7 4.76 4.79 4.36 3.86 3.81 4.72
NIM (Net Interest Margin) 2.98 2.8 2.39 2.17 2.05 2.33 2.22 2.6 2.34 2.48 2.67
Interest Spread 6.86 6.58 6.12 6.47 6.41 6.52 6.73 7.7 6.53 6.56 6.86
ROA(%) 0.66 0.55 -0.54 0.12 -1.67 -1.28 0.04 0.2 0.28 0.22 0.54
ROE(%) 10.14 8.64 -9.2 2.29 -32.5 -24.96 0.72 2.98 4.18 3.32 8.48
ROCE(%) 8.53 7.69 -1.39 3.92 -17.46 -13.05 3.04 5.39 5.34 5.86 10.82
PER(x) 7.45 7.88 0 27.01 0 0 49.71 14.99 10 15.36 15.03
Price/Book(x) 0.73 0.66 0.43 0.81 0.7 1.03 0.37 0.45 0.43 0.54 1.34
Dividend Yield(%) 1.34 2.29 0.45 0.02 0.24 0.07 0.15 0.47 1.83 1.39 1.21
EV/Net Sales(x) 1.91 1.77 1.93 1.57 1.88 1.74 1.54 1.11 1.28 1.4 1.92
EV/Core EBITDA(x) 7.25 6.75 8.04 5.03 8.79 6.89 5.56 3.97 4.66 5.3 8.36
Interest Earned Growth(%) 4.38 8.34 4.3 -5.4 1.39 7.02 5.31 49.19 -6.95 13.91 25.58
Net Profit Growth -28.26 -5.47 -209.63 124.6 -1496.51 20.33 103.62 492.41 70.78 -16.5 171.36
Advances Growth 14.29 10.53 10.25 -4.9 3.44 5.38 3.12 42.46 8.01 14.13 12.45
EPS Growth(%) -28.72 -8.25 -202.51 129.69 -886.48 52.63 103.13 275.72 43.4 -13.27 171.98
Loans/Deposits(x) 12.8 11.49 14.32 6.88 10.07 6.87 8.8 4.7 5.14 5.44 5.26
Cash/Deposits(x) 0.05 0.05 0.05 0.04 0.04 0.05 0.05 0.04 0.07 0.06 0.05
Current Ratio(x) 0.32 0.3 0.29 0.3 0.32 0.31 0.36 0.36 0.34 0.32 0.32
Quick Ratio(x) 12.8 11.49 14.32 6.88 10.07 6.87 8.8 4.7 5.14 5.44 5.26
CASA % 37.78 36.03 36.58 41.66 40.97 42.15 42.86 44.45 46.45 41.92 40.23

PNB Shareholding Pattern

# Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Promoter 73.15 73.15 73.15 73.15 73.15 73.15 73.15 73.15 73.15 70.08
FII 0.99 1.22 1.71 1.7 1.82 2.65 3.1 4.82 5.51 8.41
DII 11.45 12.3 12.99 13.53 13.45 13.8 13.75 12.37 10.77 11.62
Public 14.41 13.34 12.16 11.62 11.58 10.4 10 9.67 10.57 9.89
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Company has a low return on equity of 5% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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