# Punjab National Bank (PNB)
> Exchange: NSE | Sector: Banking | ISIN: 

## Price
Current Price: ₹106.26
Day Change: +3.51%
52W High: ₹135.15
52W Low: ₹85.5
Market Cap: ₹1,17,285 Cr

## Valuation
P/E: 6.59
P/B: 0.79
EPS: ₹15.49
Book Value: ₹129.54
Dividend Yield: 2.87%

## Returns
1Y Return: -16.54%

## Profitability
ROE: 12.99%
ROCE: 0%
Debt/Equity: 0
Revenue Growth: 15.2%
Profit Growth: 1.9%
EBITDA Margin: 0%
Operating Margin: 29.4%

## About
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.
Sector: Banking
Industry: Banks - Regional
Sub Industry: Financial Services

## Business Model
Overview: 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.
Source: Derived from stock data
Revenue Streams:
- Core Business
- Other Segments
- Exports
Operating Model:
- Mobilises deposits or borrowings, underwrites credit, and earns spreads after credit costs.
- Asset quality, capital adequacy, and funding cost drive through-cycle performance.
Business Segments:
- Core Business: 64% of tracked revenue, equal to ₹23,086 Cr. | 64% | ₹23,086 Cr
- Other Segments: 32% of tracked revenue, equal to ₹11,543 Cr. | 32% | ₹11,543 Cr
- Exports: 4% of tracked revenue, equal to ₹1,443 Cr. | 4% | ₹1,443 Cr
Recent Context:
- Announcement: Announcement under Regulation 30 (LODR)-Newspaper Publication
- Announcement: Shareholder Meeting / Postal Ballot-Scrutinizer"s Report
- Reuters: India's PNB hikes cybersecurity spend as AI models including Anthropic’s Mythos raise risks

## Access
Current tier: anonymous
More history: Register free to see 1 more year.

## Data Freshness
Quote Updated: 2026-05-25T20:00:13.927Z
Price History Updated: 2026-05-25T05:26:30.975Z
Latest Price History Date: 2026-05-24
Technicals Updated: 2026-05-25T05:26:30.975Z
Quant Updated: 2026-05-25T05:26:30.975Z
Sentiment Updated: 2026-05-25T05:26:30.975Z
Financials Status: current
Financials Updated: 2026-05-19T01:13:47.449Z
Financials Last Attempt: 2026-05-19T01:13:47.449Z
Financials Provider Tried: yahoo
Latest P&L Period: FY26
Latest Balance Sheet Period: FY26
Latest Cash Flow Period: FY26

## P&L (FY26)
Revenue: ₹61393.9 Cr
Operating Profit: ₹0 Cr (OPM 0%)
Net Profit: ₹18392.69 Cr
Tax: ₹9985.89 Cr

## Annual P&L History
FY26: Rev ₹61393.9Cr | PAT ₹18392.69Cr | OPM 0%
FY25: Rev ₹59752.97Cr | PAT ₹18480.29Cr | OPM 0%
FY24: Rev ₹55260.52Cr | PAT ₹9107.2Cr | OPM 0%

## Balance Sheet (FY26)
Total Assets: ₹2033330.95 Cr
Total Liabilities: ₹1882669.2 Cr
Borrowings: ₹107558.4 Cr
Cash: ₹164121.98 Cr

## Shareholding
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## Board
- Ashok  Chandra, CEO, MD & Director
- M.  Paramasivam, Executive Director
- Bibhu Prasad Mahapatra, Executive Director
- D.  Surendran, Executive Director
- Raman  Grover, CFO & Chief GM of Finance Division Head Office

## Highlights
- Strong revenue growth of 12% CAGR over 5 years
- ROE of 13.0% indicates efficient capital allocation

## Concerns
- Debt-to-equity ratio needs monitoring amid expansion plans
- Promoter holding has seen slight decline in recent quarters

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Source: rupiya.io/stocks/pnb
Disclaimer: For research and education only. Not investment advice.