Punjab National Bank Ltd, Fundamental analysis

Punjab National Bank Ltd - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Banks
Variance Full Year Net Profit Variance	0
Equity Latest Equity	2298.59
Face Value Latest Face Value	2
Reserves Total Reserve	137310.3
Dividend Full Year Dividend %	150
Sales Turnover Full Year Net Sales	150834.23
Net Profit Full Year Net Profit	18385.5
Full Year CPS Full Year Cash Per Share	17.1
Earning Per Share Full Year Earning Per Share	16
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Mar 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	36878.02
Previous EPS Previous earnings per share	0
Book Value Book value	121.5
Networth Full Year Return on Networth	13.97
Price/Book Value Price to Book value	0.864198
Yearly PE ratio Full Year Price to Earning per share	6.6
Yearly PC ratio Full Year Price to Cash Per Share	6.1
Bse value BSE Value in lakhs	357.78
Nse value NSE Value in lakhs	12271.42
High 52 week high	135
Low 52 week low	99
Price NSE Current market price	105
CPM Current market price	105

Market cap BSE / NSE Market Cap	120905.76
Net profit Latest Quarter Net Profit	5591.64
Net profit variance Latest Quarter Net Profit variance	12
Result year Trailing latest month	Mar 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	131375.21
TTM OP Trailing Twelve 12 month Operating Profit	-7.19
TTM OPM Trailing Twelve 12 month Operating Profit Margin	-0.01
TTM GP Trailing Twelve 12 month Gross Profit	29733.8
TTM GPM Trailing Twelve 12 month Gross Profit Margin	19.71
TTM NP Trailing Twelve 12 month Net Profit	14464.97
TTM NPV Trailing Twelve 12 month Net Profit Variane	-0.49
TTM EPS Trailing Twelve 12 month EPS	16
TTM PE Trailing Twelve 12 month PE	6.58
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	2298.59
LTP Latest Price (BSE/NSE)	105
Gross block Latest Gross Block	25154.6
Loans Total loans	1724795.42
Advances Latest Advances for Banks	1237980.05
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	78.1
Year GPM Full Year Gross Profit Margin	19.7
Quarter OPM Latest quater Operation Profit Margin	79.6

Quarterly Results (consolidated, figures in Rs Cr.)

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
+ Sales	29,145	30,447	31,895	32,523	32,572	32,513	32,889	32,798
YOY Sales Growth %	14%	13%	15%	13%	12%	7%	3%	1%
Gross Sales	29,145	30,447	31,895	32,523	32,572	32,513	32,889	32,798
+ Expenses	8,473	8,592	7,494	9,142	9,197	8,299	9,298	7,518
Manufacturing Cost %	10%	8%	8%	9%	11%	9%	9%	10%
Employee Cost %	16%	19%	17%	18%	16%	15%	16%	12%
Other Cost %	3%	1%	-1%	1%	1%	2%	3%	1%
Other Manufacturing Expenses %	10%	8%	8%	9%	11%	9%	9%	10%
Provisions & Contingencies %	3%	1%	-1%	1%	1%	2%	3%	1%
Operating Profit	20,672	21,855	24,401	23,381	23,375	24,214	23,591	25,280
OPM %	71%	72%	77%	72%	72%	74%	72%	77%
+ Other Income	3,615	4,664	3,392	4,776	5,427	4,171	5,013	4,080
Miscellaneous Income	3,615	4,664	3,392	4,776	5,427	4,171	5,013	4,080
Interest / Discount on Advances or Bills	20,605	21,357	22,403	22,391	21,843	22,104	22,903	22,696
Interest on Investments	7,654	8,105	8,116	8,365	8,852	8,981	8,538	8,465
Interest on Balances with RBI	705	817	853	1,144	1,040	1,008	1,022	1,241
Other Interest	180	168	522	623	837	419	426	396
Interest	18,536	19,790	20,738	21,640	21,828	21,858	22,164	22,219
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	5,751	6,729	7,055	6,518	6,973	6,527	6,440	7,141
+ Tax %	35%	34%	34%	29%	74%	26%	19%	27%
Current Tax	2,035	2,297	2,406	1,875	5,141	1,678	1,250	1,916
+ Net Profit	3,991	4,739	4,811	5,011	2,167	5,121	5,577	5,602
Profit / Loss of Associates	275	307	162	368	335	272	387	377
Minority Interest (After Tax)	-16	-25	-10	-22	-47	5	-21	-11
Net Profit After Minority Interest	3,976	4,714	4,801	4,989	2,120	5,125	5,556	5,592
EPS in Rs	3.61	4.27	4.18	4.34	1.84	4.46	4.83	4.83

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	48,058	48,725	52,147	54,918	81,935	76,242	86,845	109,065	124,010	130,772
Sales Growth %		1%	7%	5%	49%	-7%	14%	26%	14%	5%
Gross Sales	47,276	47,996	52,147	54,918	81,929	76,242	86,845	109,065	124,010	130,772
+ Expenses	22,931	44,110	40,224	26,482	40,123	37,154	42,696	41,356	34,813	35,683
Manufacturing Cost %	0%	1%	1%	1%	1%	1%	1%	1%	1%	1%
Employee Cost %	11%	19%	14%	13%	15%	16%	17%	17%	17%	15%
Other Cost %	36%	71%	63%	35%	33%	32%	31%	20%	10%	12%
Other Manufacturing Expenses %	0%	1%	1%	1%	1%	1%	1%	1%	1%	1%
Selling & Administration %	4%	4%	4%	4%	4%	5%	4%	4%	3%	3%
Miscellaneous Expenses %	31%	66%	58%	30%	27%	26%	25%	15%	5%	6%
Provisions & Contingencies %	26%	61%	55%	26%	22%	22%	21%	11%	1%	2%
Operating Profit	25,127	4,615	11,924	28,437	41,812	39,088	44,149	67,708	89,196	95,089
OPM %	52%	9%	23%	52%	51%	51%	51%	62%	72%	73%
+ Other Income	9,168	8,883	7,367	9,388	12,777	12,329	12,529	14,158	17,560	20,062
Miscellaneous Income	8,951	8,881	7,367	9,388	11,501	12,098	12,240	13,329	16,447	18,691
Interest / Discount on Advances or Bills	32,959	31,833	35,416	36,156	53,683	48,874	57,742	76,516	86,757	89,547
Interest on Investments	12,577	13,947	14,622	16,094	25,409	24,471	26,402	29,187	32,241	34,836
Interest on Balances with RBI	1,354	2,001	1,937	2,531	1,902	2,288	1,910	2,823	3,519	4,311
Other Interest	386	214	172	138	934	609	792	539	1,493	2,078
Interest	32,722	33,530	34,656	36,997	50,805	46,823	51,817	68,534	80,704	88,069
Depreciation	430	581	584	614	982	896	905	906	958	1,281
Profit before tax	2,012	-19,575	-15,365	827	3,784	4,595	4,861	13,332	26,053	27,082
+ Tax %	32%	37%	35%	56%	43%	20%	37%	38%	33%	37%
Current Tax	639	-7,264	-5,343	464	1,630	919	62	3,985	8,613	9,986
Deferred Tax	0	0	0	0	0	0	1,730	1,018	0	0
+ Net Profit	1,663	-11,810	-9,550	485	2,152	3,676	3,069	8,329	17,440	17,096
Profit Growth %		-1027%	-18%	-104%	492%	71%	-17%	171%	109%	-2%
Profit / Loss of Associates	338	473	476	122	0	0	0	0	0	0
Minority Interest (After Tax)	-52	-2	-20	-46	-133	-47	-10	-50	-72	-74
Net Profit After Minority Interest	1,187	-12,113	-9,570	438	2,562	3,861	3,348	9,107	18,480	18,393
EPS in Rs	4.23	-45.59	-21.78	0.54	2.57	3.55	3.05	8.32	16.14	16.07

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	426	552	921	1,348	2,096	2,202	2,202	2,202	2,299	2,299
Reserves	42,990	40,965	45,164	62,529	90,439	95,380	100,678	108,185	130,839	147,674
+ Borrowings	672,987	713,769	728,702	772,767	1,166,015	1,213,606	1,360,496	1,451,811	1,682,826	1,832,354
Secured Borrowings	43,336	65,330	46,828	62,512	52,298	59,372	70,149	72,586	105,807	107,558
Unsecured Borrowings	629,651	648,439	681,874	710,254	1,113,717	1,154,234	1,290,347	1,379,225	1,577,020	1,724,795
Deferred Credit	18,488	17,608	8,413	7,378	6,272	7,039	12,477	7,977	11,134	21,985
+ Other Liabilities	16,909	22,242	15,333	14,814	21,176	28,113	30,273	36,438	41,579	51,005
Current Liabilities	16,769	23,111	15,484	14,932	22,041	28,810	31,063	36,930	42,800	51,970
Minority Interest	781	309	288	361	487	473	459	561	628	690
Total Liabilities	733,311	777,528	790,120	851,457	1,279,725	1,339,301	1,493,649	1,598,636	1,857,544	2,033,331
+ Fixed Assets	6,298	6,371	6,246	7,262	11,049	10,696	12,084	12,348	13,083	15,625
Gross Block	10,072	10,671	10,976	12,403	20,441	20,983	23,273	24,444	23,337	25,155
Accumulated Depreciation	3,775	4,300	4,729	5,141	9,392	10,287	11,189	12,096	10,254	9,529
CWIP	0	0	0	0	0	0	0	0	0	0
Investments	191,527	204,419	210,578	253,782	404,369	388,586	416,914	446,421	524,840	523,515
+ Other Assets	535,486	566,738	573,295	590,413	864,307	940,019	1,064,651	1,139,867	1,319,620	1,494,191
Cash Equivalents	91,379	97,488	77,296	77,756	113,334	134,194	157,328	131,400	150,760	164,122
Loans n Advances	444,748	470,428	496,438	513,135	752,325	806,996	908,572	1,009,519	1,170,710	1,331,724
Other asset items	-641	-1,178	-439	-478	-1,352	-1,170	-1,249	-1,053	-1,849	-1,655
Total Assets	733,311	777,528	790,120	851,457	1,279,725	1,339,301	1,493,649	1,598,636	1,857,544	2,033,331

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	21,938	-1,742	-33,532	-12,793	30,950	20,032	22,592	-27,939	22,075	25,635
Profit from Operations	17,270	8,305	13,580	16,862	26,551	24,532	28,086	29,560	30,049	33,082
Working Capital Changes	6,085	-8,265	-47,082	-27,457	-24,997	-2,871	-4,289	-55,625	-2,857	-7,415
Profit Before Tax & Extraordinary Items	1,878	-19,373	-14,888	902	4,194	4,779	5,141	14,110	27,093	28,379
Depreciation	430	581	584	248	1,642	1,701	2,872	163	-609	448
Interest (Net)	1,624	1,807	-1,152	0	0	0	0	0	0	0
Dividend Received	-96	-140	-149	0	0	0	0	0	0	0
Profit / Loss on Sale of Assets	-5	-3	-18	-42	13	-14	-3	-7	-4	-7
Profit / Loss on Sale of Investments	0	0	0	0	0	0	0	0	0	-925
Provisions & Write-offs (Net)	13,440	25,905	30,342	14,699	19,252	16,096	17,898	13,127	1,561	3,648
Loans & Advances	7,438	-39,447	-48,883	-29,243	4,879	-68,538	-118,493	-116,625	-146,654	-153,095
Change in Borrowing	-29,203	23,206	-16,287	16,875	-30,006	4,620	6,315	-4,665	34,646	7,241
Change in Deposits	59,268	18,788	33,435	28,380	35,746	40,518	136,113	88,878	197,795	147,776
Direct Taxes Paid	-1,417	-1,782	-30	-2,198	-314	-1,629	-1,204	-1,875	-5,117	-31
+ Cash from Investing Activity	159	392	-629	-338	-787	-1,204	-732	-1,506	-1,578	-609
Purchase of Fixed Assets	-496	-652	-440	-338	-787	-536	-552	-1,175	-1,601	-1,625
Sale of Fixed Assets	0	0	0	0	0	0	0	31	16	42
Sale of Investments	0	0	0	0	0	0	0	0	8	974
Dividend Received	96	140	149	0	0	0	0	0	0	0
Investment in Subsidiaries	0	0	0	0	0	-668	-180	-363	0	0
Acquisition of Companies	0	0	-338	0	0	0	0	0	0	0
+ Cash from Financing Activity	-9,767	7,460	13,969	13,591	5,415	2,032	1,275	3,518	-1,138	-11,664
Proceeds from Issue of Shares	1,066	10,486	14,810	16,091	3,777	1,793	0	0	4,988	0
Proceeds from Issue of Debentures	0	0	0	0	3,505	2,454	4,462	7,102	0	0
Redemption of Debentures	-9,135	-1,212	-2,215	-1,190	0	0	0	0	-1,426	-5,489
Dividend Paid	-75	-7	-7	-30	0	0	-705	-716	-1,652	-3,325
Interest Paid	-1,624	-1,807	0	-1,353	-1,993	-2,202	-2,468	-2,970	-3,116	-2,911
Others	0	0	1,380	73	126	-13	-14	101	68	61
Net Cash Flow	12,330	6,109	-20,192	460	35,579	20,859	23,135	-25,928	19,359	13,362