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PNB is a leading Indian company in the Financial Services space, listed on the NSE. The company is a key player in the Financial Services segment with a strong market position and diversified operations.
Punjab National Bank makes money through Core Business, Other Segments, Exports in Financial Services. Revenue quality depends on demand growth, margin discipline, balance-sheet strength, and the company's ability to defend its position within Banking.
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| Metric | 1 Year | 3 Years | 5 Years | 10 Years |
|---|---|---|---|---|
| Sales | — | — | — | — |
| Profit | — | — | — | — |
| Stock Price | — | — | — | — |
| ROE | — | — | — | — |
| Period | FY26 | FY25 | FY24 | FY23 |
|---|---|---|---|---|
| Sales | ₹61,394 Cr | ₹59,753 Cr | ₹55,261 Cr | |
| Expenses | ₹0 Cr | ₹0 Cr | ₹0 Cr | |
| Operating Profit | ₹0 Cr | ₹0 Cr | ₹0 Cr | |
| OPM % | 0.0% | 0.0% | 0.0% | |
| Other Income | ₹0 Cr | ₹0 Cr |
| Quarter | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ||||||||
| Expenses | ₹10,813 Cr | ₹10,990 Cr | ₹10,259 Cr | ₹9,449 Cr | ||||||||
| Operating Profit | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Period | FY26 | FY25 | FY24 | FY23 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity Capital | ₹2,299 Cr | ₹2,299 Cr | ₹2,202 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Period | Operating | Investing | Financing | Net Cash Flow |
|---|---|---|---|---|
| FY26 | ₹25,635 Cr | ₹-609 Cr | ₹-11,664 Cr | ₹13,362 Cr |
| FY25 | ₹22,075 Cr | ₹-1,578 Cr | ₹-1,138 Cr | ₹19,359 Cr |
| FY24 | ₹-27,939 Cr | ₹-1,506 Cr | ₹3,518 Cr | ₹-25,928 Cr |
| FY23 | ||||
| Mar 2016 | ||||
| Mar 2017 | ||||
| Mar 2018 |
| Ratio | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | FY10 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 13.2% | 12.7% | 12.5% | — | — | — | — | — | — | — | — | — | — | — | — |
| ROCE % | 14.5% | 14.0% | 13.9% | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt/Equity | 0.5 | 0.4 | 0.6 | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Coverage | 9.2 | 7.7 | 7.1 | — | — | — | — | — | — | — | — | — | — | — |
| Year | Type | Amount (₹) |
|---|---|---|
| FY24 | Final | ₹17.08 |
| FY23 | Final | ₹16.09 |
| FY22 | Interim | ₹18.25 |
| FY21 | Final | |
| FY20 | Final | |
| FY19 | Final |
No corporate actions recorded.
| Company | M.Cap | P/E | ROE | 1Y Return |
|---|---|---|---|---|
| HDFC Bank Ltd | ₹11,81,492 Cr | 17.1 | +13.82% | -23.05% |
| ICICI Bank Ltd | ₹8,89,489 Cr | 16.6 | +16.36% | -8.32% |
| State Bank of India | ₹8,88,862 Cr | 10.7 | +15.48% | -2.48% |
| AXIS Bank Ltd | ₹3,85,030 Cr | 14.7 | +13.15% | +2.86% |
| Kotak Mahindra Bank Ltd | ₹3,85,189 Cr | 20.5 | +11.39% | -8.66% |
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Deep-dive analysis of PNB's competitive moat, management quality, and growth runway available with Premium.
Premium| ₹0 Cr |
| Depreciation | ₹1,281 Cr | ₹958 Cr | ₹906 Cr |
| Interest | ₹88,069 Cr | ₹80,704 Cr | ₹68,534 Cr |
| Profit Before Tax | ₹27,082 Cr | ₹26,053 Cr | ₹14,160 Cr |
| Tax | ₹9,986 Cr | ₹8,613 Cr | ₹5,003 Cr |
| Net Profit | ₹18,393 Cr | ₹18,480 Cr | ₹9,107 Cr |
| EPS (₹) | 0.0 | 16.4 | 8.3 |
| Dividend Payout % | 0% | 0% | 0% |
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| OPM % | 0.0% | 0.0% | 0.0% | 0.0% |
| Depreciation | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Interest | ₹14,690 Cr | ₹16,064 Cr | ₹16,820 Cr | ₹17,444 Cr |
| Net Profit | ₹1,876 Cr | ₹1,363 Cr | ₹1,990 Cr | ₹2,441 Cr |
| EPS (₹) | 1.7 | 1.2 | 1.8 | 2.2 |
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| Reserves |
| ₹1,47,674 Cr |
| ₹5,696 Cr |
| ₹3,972 Cr |
| Borrowings | ₹1,07,558 Cr | ₹71,999 Cr | ₹72,586 Cr |
| Other Liabilities | ₹17,75,111 Cr | ₹16,51,778 Cr | ₹14,15,103 Cr |
| Total Liabilities | ₹18,82,669 Cr | ₹17,23,777 Cr | ₹14,87,688 Cr |
| Assets |
| Fixed Assets | ₹15,625 Cr | ₹12,724 Cr | ₹12,142 Cr |
| Investments | ₹5,23,515 Cr | ₹5,24,840 Cr | ₹4,46,421 Cr |
| Receivables | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Inventory | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Cash & Equivalents | ₹1,64,122 Cr | ₹1,50,760 Cr | ₹1,31,400 Cr |
| Other Assets | ₹13,30,069 Cr | ₹11,69,220 Cr | ₹10,08,672 Cr |
| Total Assets | ₹20,33,331 Cr | ₹18,57,544 Cr | ₹15,98,636 Cr |
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| Mar 2019 |
| Mar 2020 |
| Mar 2021 |
| Mar 2022 |
| Mar 2023 |
| Mar 2024 |
| Mar 2025 |
| Mar 2026 |
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| — |
| Current Ratio | 1.5 | 1.6 | 1.4 | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | 1.0 | 1.3 | 1.2 | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | 15.4% | 14.9% | 15.0% | — | — | — | — | — | — | — | — | — | — | — | — |
| NPM % | 9.3% | 8.9% | 9.0% | — | — | — | — | — | — | — | — | — | — | — | — |
| EV/EBITDA | 16.7 | 15.9 | 12.8 | — | — | — | — | — | — | — | — | — | — | — | — |
| PEG Ratio | 1.6 | 1.8 | 1.3 | — | — | — | — | — | — | — | — | — | — | — | — |
| Asset Turnover | 1.0 | 1.4 | 0.7 | — | — | — | — | — | — | — | — | — | — | — | — |
| Inventory Turnover | 9.0 | 10.7 | 11.4 | — | — | — | — | — | — | — | — | — | — | — | — |
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