Market Cap ₹117285 Cr.
Stock P/E 14.1
P/B 1
Current Price ₹102.1
Book Value ₹ 98.6
Face Value 2
52W High ₹142.9
Dividend Yield 1.47%
52W Low ₹ 89.1
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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₹ | |
| #(Fig in Cr.) | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 |
|---|---|---|---|---|---|
| Interest Earned | 11887 | 12136 | 12299 | 12175 | 11385 |
| Other Income | 3103 | 2332 | 1906 | 3082 | 1561 |
| Total Income | 14989 | 14468 | 14205 | 15258 | 12946 |
| Interest Expense | 8203 | 8281 | 8284 | 8187 | 8321 |
| Operating Expenditure | 555 | 2970 | 2642 | 2826 | 5072 |
| Provisions and contingencies | 5754 | 2609 | 2441 | 4467 | 20353 |
| Operating Profit | 478 | 609 | 838 | -221 | -20800 |
| Profit Before Tax | 478 | 609 | 838 | -221 | -20800 |
| Provision for Tax | 216 | 265 | 278 | -452 | -7384 |
| Profit After Tax | 262 | 343 | 561 | 230 | -13417 |
| Adjustments | -262 | -343 | -561 | -230 | 13417 |
| Profit After Adjustments | 0 | 0 | 0 | 0 | 0 |
| Adjusted Earnings Per Share | 1.2 | 1.6 | 2.6 | 0.9 | -48.6 |
| #(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 | 43223 | 46315 | 47424 | 47276 | 47996 | 51310 | 53800 | 80818 | 74880 | 85144 | 106902 | 47995 |
| Other Income | 4577 | 5891 | 6000 | 8951 | 8881 | 7377 | 9274 | 11922 | 12320 | 12143 | 13384 | |
| Total Income | 47800 | 52206 | 53424 | 56227 | 56877 | 58688 | 63074 | 92741 | 87199 | 97287 | 120285 | 56877 |
| Interest Expense | 27077 | 29760 | 32113 | 32283 | 33073 | 34154 | 36362 | 50273 | 46185 | 50652 | 66819 | 33073 |
| Operating Expenditure | 9338 | 10492 | 9972 | 9379 | 13509 | 11538 | 11973 | 20309 | 20253 | 24105 | 28536 | 13510 |
| Provisions and contingencies | 6694 | 7997 | 17077 | 12554 | 29869 | 28341 | 14000 | 18680 | 16445 | 18240 | 11737 | 29870 |
| Operating Profit | 4691 | 3957 | -5738 | 2012 | -19575 | -15346 | 739 | 3479 | 4316 | 4288 | 13194 | -19574 |
| Profit Before Tax | 4691 | 3957 | -5738 | 2012 | -19575 | -15346 | 739 | 3479 | 4316 | 4288 | 13194 | -19574 |
| Provision for Tax | 1348 | 896 | -1763 | 687 | -7292 | -5370 | 403 | 1458 | 859 | 1781 | 4950 | -7293 |
| Profit After Tax | 3343 | 3062 | -3974 | 1325 | -12283 | -9975 | 336 | 2022 | 3457 | 2507 | 8245 | -12283 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12283 |
| Profit After Adjustments | 3343 | 3062 | -3974 | 1325 | -12283 | -9975 | 336 | 2022 | 3457 | 2507 | 8245 | 0 |
| Adjusted Earnings Per Share | 18.5 | 16.5 | -20.2 | 6.2 | -44.5 | -21.7 | 0.5 | 1.9 | 3.1 | 2.3 | 7.5 | -43.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 26% | 10% | 16% | 9% |
| Operating Profit CAGR | 208% | 56% | 0% | 11% |
| PAT CAGR | 229% | 60% | 0% | 9% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 15% | 40% | 10% | -7% |
| ROE Average | 9% | 5% | 4% | -2% |
| ROCE Average | 11% | 7% | 6% | 1% |
| #(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 | 35895 | 39080 | 38310 | 42097 | 41074 | 44787 | 62357 | 90937 | 95487 | 99856 | 106477 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 451397 | 501379 | 553051 | 621704 | 642226 | 676030 | 703846 | 1106332 | 1146218 | 1281163 | 1369713 |
| Borrowings | 48034 | 45671 | 59755 | 40763 | 60851 | 39326 | 50225 | 42840 | 45681 | 51292 | 50430 |
| Other Liabilities & Provisions | 15093 | 17205 | 16274 | 15766 | 21679 | 14806 | 14237 | 20523 | 27418 | 29521 | 35216 |
| Total Liabilities | 550420 | 603334 | 667390 | 720331 | 765830 | 774949 | 830666 | 1260633 | 1314805 | 1461831 | 1561835 |
| Cash and balance with RBI | 22246 | 24225 | 26479 | 25210 | 28789 | 32129 | 38398 | 43959 | 85736 | 78177 | 65033 |
| Bank Balance | 22973 | 31709 | 49144 | 63122 | 66673 | 43159 | 37595 | 67391 | 46911 | 76932 | 64072 |
| Investments | 143786 | 149877 | 157846 | 186725 | 200306 | 202128 | 240466 | 392983 | 372168 | 395997 | 420318 |
| Advances | 349269 | 380534 | 412326 | 419493 | 433735 | 458249 | 471828 | 674230 | 728186 | 830834 | 934431 |
| Fixed Assets | 3420 | 3551 | 5223 | 6273 | 6349 | 6225 | 7239 | 11021 | 10674 | 12051 | 12319 |
| Other Assets | 8727 | 13437 | 16373 | 19507 | 29978 | 33059 | 35140 | 71049 | 71131 | 67841 | 65663 |
| Total Assets | 550420 | 603334 | 667390 | 720331 | 765830 | 774949 | 830666 | 1260633 | 1314805 | 1461831 | 1561835 |
| #(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 | 27135 | 45218 | 58504 | 75623 | 88332 | 95462 | 75288 | 105704 | 111350 | 132647 | 155109 |
| Cash Flow from Operating Activities | 17729 | 5619 | 17045 | 12497 | 1012 | -30893 | -12613 | 1192 | 20464 | 21780 | -27895 |
| Cash Flow from Investing Activities | -634 | -849 | -783 | -527 | -1288 | -260 | -239 | -839 | -1207 | -682 | -1539 |
| Cash Flow from Financing Activities | 988 | 5946 | 856 | 739 | 7407 | 10979 | 13557 | 5293 | 2041 | 1364 | 3430 |
| Net Cash Inflow / Outflow | 18083 | 10716 | 17119 | 12709 | 7130 | -20174 | 705 | 5646 | 21297 | 22462 | -26004 |
| Closing Cash & Cash Equivalent | 45218 | 55934 | 75623 | 88332 | 95462 | 75288 | 75993 | 111350 | 132647 | 155109 | 129105 |
| # | 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) | 18.46 | 16.51 | -20.24 | 6.23 | -44.49 | -21.67 | 0.5 | 1.93 | 3.14 | 2.28 | 7.49 |
| CEPS(Rs) | 20.41 | 18.5 | -18.23 | 8.22 | -42.41 | -20.41 | 1.4 | 2.86 | 3.95 | 3.09 | 8.3 |
| DPS(Rs) | 2 | 3.3 | 0 | 0 | 0 | 0 | 0 | 0 | 0.64 | 0.65 | 1.5 |
| Book NAV/Share(Rs) | 190.5 | 203.24 | 180.61 | 180.2 | 135.44 | 89.5 | 85.49 | 79.92 | 80.32 | 83.01 | 89.16 |
| Yield on Advances | 12.38 | 12.17 | 11.5 | 11.27 | 11.07 | 11.2 | 11.4 | 11.99 | 10.28 | 10.25 | 11.44 |
| Yield on Investments | 7.52 | 7.75 | 8.26 | 8.16 | 8.59 | 7.52 | 7.05 | 7.38 | 7.16 | 6.61 | 6.9 |
| Cost of Liabilities | 5.42 | 5.44 | 5.24 | 4.87 | 4.7 | 4.77 | 4.82 | 4.37 | 3.87 | 3.8 | 4.71 |
| NIM (Net Interest Margin) | 3 | 2.82 | 2.37 | 2.16 | 2.05 | 2.33 | 2.21 | 2.59 | 2.33 | 2.5 | 2.7 |
| Interest Spread | 6.95 | 6.73 | 6.26 | 6.4 | 6.36 | 6.42 | 6.58 | 7.61 | 6.41 | 6.45 | 6.74 |
| ROA(%) | 0.65 | 0.53 | -0.63 | 0.19 | -1.65 | -1.29 | 0.04 | 0.19 | 0.27 | 0.18 | 0.55 |
| ROE(%) | 10.17 | 8.48 | -10.87 | 3.59 | -32.44 | -25.38 | 0.68 | 2.86 | 4.02 | 2.79 | 8.7 |
| ROCE(%) | 8.38 | 7.23 | -3.75 | 4.82 | -18.35 | -14.42 | 2.77 | 5.36 | 5.28 | 5.54 | 11.49 |
| PER(x) | 8.06 | 8.75 | 0 | 24.21 | 0 | 0 | 64.83 | 18.99 | 11.16 | 20.51 | 16.61 |
| Price/Book(x) | 0.78 | 0.71 | 0.47 | 0.84 | 0.7 | 1.07 | 0.38 | 0.46 | 0.44 | 0.56 | 1.39 |
| Dividend Yield(%) | 1.34 | 2.29 | 0 | 0 | 0 | 0 | 0 | 0 | 1.83 | 1.39 | 1.21 |
| EV/Net Sales(x) | 1.73 | 1.56 | 1.61 | 1.54 | 1.82 | 1.62 | 1.34 | 1.01 | 1.13 | 1.21 | 1.75 |
| EV/Core EBITDA(x) | 6.59 | 6.06 | 6.74 | 5 | 8.47 | 6.41 | 4.89 | 3.67 | 4.06 | 4.56 | 7.51 |
| Interest Earned Growth(%) | 3.19 | 7.15 | 2.39 | -0.31 | 1.52 | 6.91 | 4.85 | 50.22 | -7.35 | 13.71 | 25.55 |
| Net Profit Growth | -29.6 | -8.41 | -229.82 | 133.33 | -1027.14 | 18.79 | 103.37 | 501.32 | 71 | -27.47 | 228.84 |
| Advances Growth | 13.11 | 8.95 | 8.35 | 1.74 | 3.39 | 5.65 | 2.96 | 42.9 | 8 | 14.1 | 12.47 |
| EPS Growth(%) | -31.27 | -10.59 | -222.61 | 130.76 | -814.68 | 51.3 | 102.3 | 286.67 | 62.72 | -27.47 | 228.84 |
| Loans/Deposits(x) | 10.64 | 9.11 | 10.8 | 6.56 | 9.47 | 5.82 | 7.14 | 3.87 | 3.99 | 4 | 3.68 |
| 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 | 0.31 | 0.3 | 0.34 | 0.36 | 0.32 | 0.31 | 0.31 |
| Quick Ratio(x) | 10.64 | 9.11 | 10.8 | 6.56 | 9.47 | 5.82 | 7.14 | 3.87 | 3.99 | 4 | 3.68 |
| CASA % | 38.3 | 36.66 | 37.17 | 41.82 | 40.99 | 42.16 | 42.97 | 44.54 | 46.56 | 41.99 | 40.34 |
| # | 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 |
| # | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 805.41 | 805.41 | 805.41 | 805.41 | 805.41 | 805.41 | 805.41 | 805.41 | 805.41 | 805.41 |
| FII | 10.89 | 13.38 | 18.78 | 18.75 | 20.08 | 29.15 | 34.18 | 53.03 | 60.69 | 96.71 |
| DII | 126.13 | 135.41 | 143 | 148.99 | 148.11 | 151.97 | 151.36 | 136.18 | 118.59 | 133.49 |
| Public | 158.67 | 146.89 | 133.91 | 127.96 | 127.5 | 114.57 | 110.15 | 106.48 | 116.42 | 113.68 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 1101.1 | 1101.1 | 1101.1 | 1101.1 | 1101.1 | 1101.1 | 1101.1 | 1101.1 | 1101.1 | 1149.29 |
Pros
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