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PNB share price

Punjab National Bank

NSE: PNB BSE: 532461 SECTOR: Bank - Public  539k   2k   807

94.55
-4.85 (-4.88%)
BSE: Today, 04:01 PM

Price Summary

Today's High

₹ 100.2

Today's Low

₹ 94.1

52 Week High

₹ 138.5

52 Week Low

₹ 85.5

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

108665.78 Cr.

CASA %

40.34

No. of Shares

1149.29 Cr.

P/E

7.21

P/B

0.92

Face Value

₹ 2

Div. Yield

1.58 %

Book Value (TTM)

₹  102.24

Net Interest Income

40083.07 Cr.

Cost To Income %

53.37

Promoter Holding

70.08 %

EPS (TTM)

₹  13.12

CAR %

15.97

ROE

8.7 %

ROCE

11.49%

Profit Growth

228.84 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 35 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year8.7%
3 Year5.17%
5 Year3.81%

ROA%

1 Year0.55%
3 Year0.33%
5 Year0.25%

Net NPA%

1 Year0.73%
3 Year2.75%
5 Year3.95%

 NIM

1 Year2.7%
3 Year2.51%
5 Year2.47%

CAR %

15.97

Cost of Liabilities %

4.7051

PEG Ratio

0.03

Advances Growth %

12.469

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 70.08 0.00
Dec 2024 70.08 0.00
Sep 2024 70.08 0.00
Jun 2024 73.15 0.00
Mar 2024 73.15 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 40.3369% of total deposits.
  • Good Capital Adequacy Ratio of 15.97%.
  • The company has delivered good Profit growth of 59.7682163535548% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.331452133743702%
  • Company has a low ROE of 5.16737850223206% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 2.75%.
  • High Cost to income ratio of 53.3713%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Interest Earned 27287.81 28113.43 28556.43 29875.01 31339.83
Other Income 2673.84 4247.61 3609.52 4572.09 3411.87
Interest Expended 16995.02 17750.32 18080.18 19358.32 20307.58
Operating Expenses 6635.92 8195.04 7504.61 8235.47 7823.57
Total Provisions 2739.11 1588.05 1312.32 288.01 -285.4
Profit Before Tax 3591.6 4827.63 5268.84 6565.3 6905.95
Tax 1368.79 1817.36 2017.31 2261.84 2397.74
Net Profit 2222.81 3010.27 3251.53 4303.46 4508.21
Net NPA % 0.96 0.73 0.6 0.46 0.41
Gross NPA % 6.24 5.73 4.98 4.48 4.09
Return on Assets % 0.58 0.77 0.82 1.02 1.03
NPM % 8.15 10.71 11.39 14.4 14.38

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 53800.03 80818.4 74879.54 85144.11 106901.62
Other Income 9274.13 11922.31 12319.96 12142.53 13383.54
Interest Expended 36362.24 50272.79 46185.08 50652.47 66818.55
Operating Expenses 11973.37 20308.75 20252.6 24105.41 28535.8
Total Provisions 13999.56 18679.78 16445.43 18240.49 11736.6
Profit Before Tax 738.98 3479.4 4316.39 4288.26 13194.21
Taxes 402.79 1457.78 859.43 1781.06 4949.59
Net Profit 336.19 2021.62 3456.96 2507.2 8244.62
Adjusted EPS (Rs.) 0.5 1.93 3.14 2.28 7.49

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 1347.51 2095.54 2202.2 2202.2 2202.2
Total Reserves 61009.97 88841.77 93284.69 97653.46 104274.37
Deposits 703846.32 1106332.47 1146218.45 1281163.1 1369712.81
Borrowings 50225.43 42840.31 45681.41 51291.73 50429.85
Other Liabilities 14236.68 20522.52 27418.27 29520.87 35215.77
Total Liabilities 830665.91 1260632.62 1314805.02 1461831.36 1561835.01
Assets
Balance with RBI 38397.85 43958.83 85736.12 78176.58 65032.91
Balance with Banks 37595.18 67390.88 46910.66 76932.23 64071.67
Investments 240465.64 392983.25 372167.76 395996.72 420318.21
Advances 471827.72 674230.08 728185.68 830833.98 934430.59
Net Block 7239.07 11020.9 10673.61 12051.07 12318.77
Other Assets 35140.45 71048.68 71131.2 67840.78 65662.85
Total Assets 830665.91 1260632.62 1314805.02 1461831.36 1561835.01
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 73.15 73.15 70.08 70.08 70.08
government of india (thro... - - - 70.08 70.08
central government (throu... 73.15 73.15 70.08 - -
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 26.85 26.85 29.92 29.92 29.92
life insurance corporatio... 8.34 8.18 7.91 8.32 9.15
sbi contra fund - - - 1.70 1.72
citigroup global markets ... - - 1.15 - -
quant mutual fund - quant... 1.05 - - - -

Ratings & Research Reports

Company Presentations

Company News

Punjab National Bank launches 34 new products 14 Apr, 10:12 AM Punjab National Bank reports 14% rise in global business during Q4FY25 3 Apr, 11:48 AM Punjab National Bank informs about change in senior management 1 Apr, 9:32 AM Punjab National Bank informs about cancellation of analyst meet 19 Mar, 12:56 PM Punjab National Bank informs about analyst meet updates 17 Mar, 5:30 PM PNB - Quaterly Results 31 Jan, 1:16 PM PNB - Quaterly Results 31 Jan, 1:16 PM PNB - Quaterly Results 31 Jan, 1:16 PM Punjab National Bank informs about analyst meet 26 Dec, 5:18 PM PNB raises Rs 3000 crore through bonds 24 Dec, 11:45 AM Punjab National Bank informs about press release 5 Dec, 5:08 PM Punjab National Bank informs about newspaper publication 5 Nov, 4:54 PM PNB - Quaterly Results 28 Oct, 1:57 PM PNB - Quaterly Results 28 Oct, 1:57 PM PNB - Quaterly Results 28 Oct, 1:57 PM Punjab National Bank informs about updates 3 Oct, 12:48 PM Punjab National Bank informs about trading window closure 1 Oct, 12:43 PM Punjab National Bank informs about investor conference 12 Sep, 4:02 PM Punjab National Bank informs about analyst meet 10 Sep, 5:24 PM Punjab National Bank informs about analyst meet outcome 22 Aug, 4:09 PM Punjab National Bank informs about details of loss of certificate 17 Aug, 12:29 PM Punjab National Bank informs about change in interest rates 1 Aug, 12:16 PM PNB - Quaterly Results 27 Jul, 3:26 PM PNB - Quaterly Results 27 Jul, 3:26 PM PNB - Quaterly Results 27 Jul, 3:26 PM PNB inks pact with SAIL to offer loans 12 Jul, 5:18 PM RBI imposes monetary penalty of Rs 1.31 crore on Punjab National Bank 6 Jul, 4:17 PM Punjab National Bank reports 10% rise in global business during Q1FY25 5 Jul, 2:25 PM Punjab National Bank planning to expand global footprint 11 Jun, 11:30 AM Punjab National Bank inks pact with India Infrastructure Finance Company 4 Jun, 4:30 PM Punjab National Bank informs about security cover certificate 9 May, 5:00 PM Punjab National Bank reports 78% rise in Q4 consolidated net profit 9 May, 4:13 PM PNB - Quaterly Results 9 May, 2:00 PM PNB - Quaterly Results 9 May, 2:00 PM PNB - Quaterly Results 9 May, 2:00 PM Punjab National Bank informs about newspaper publication 16 Apr, 12:15 PM Punjab National Bank informs about compliance certificate 6 Apr, 3:18 PM PNB raises Rs 1859 crore through Bonds 23 Mar, 12:39 PM Punjab National Bank planning to raise fund through Bonds 22 Mar, 6:18 PM Punjab National Bank informs about updates 22 Mar, 5:15 PM Punjab National Bank informs about outcome of EGM 5 Mar, 5:30 PM Punjab National Bank informs about newspaper publication 28 Feb, 5:23 PM Punjab National bank informs about outcome of investor meet 20 Feb, 5:18 PM Punjab National Bank reports over 3-fold jump in Q3 consolidated net profit 25 Jan, 5:04 PM PNB - Quaterly Results 25 Jan, 2:20 PM PNB - Quaterly Results 25 Jan, 2:20 PM PNB - Quaterly Results 25 Jan, 2:20 PM Punjab National Bank informs about analyst meet 15 Dec, 12:16 PM Punjab National Bank informs about credit rating 30 Nov, 2:51 PM Punjab National Bank informs about outcome of analyst meet 23 Nov, 5:15 PM

PNB Stock Price Analysis and Quick Research Report. Is PNB an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how PNB is performing and if it is the right time to buy the stock of PNB with detailed analysis. PNB stock price today is Rs 94.47.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. PNB has earned Rs 106901.62 Cr. revenue in the latest financial year. PNB has posted decent revenue growth of 9.77183808868964 % in last 3 Years.

  • In terms of advances, PNB reported 12.469 % YOY,  rise . If you see 3 years advance growth, it stands at 11.4926679644179 %.

  • Currently, PNB has a CASA ratio of 40.3369 %. It’s overall cost of liability stands at 4.7051 %. Also, the total deposits from these accounts stood at Rs 1369712.8055 Cr.

  • PNB has a Poor ROA track record. The ROA of PNB is at 0.5453 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of PNB stood at 5.73 % and 0.73 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -35.6563271900331 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of PNB surged and is currently at Rs 13383.5396 Cr.

  • PNB has a Good Capital Adequacy Ratio of 15.97 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently PNB is trading at a P/B of 0.9448 . The historical average PB was 0.646157826629968.

  • Share Price: - The current share price of PNB is Rs 94.47. One can use valuation calculators of ticker to know if PNB share price is undervalued or overvalued.

Last Updated on:
Brief about PNB

Current PNB Share Price

As of the market close on April 30, 2025, the Punjab National Bank share price (PNB NSE) stood at Rs 99.90. This marked a decrease of 2.66% compared to the previous day's closing price of Rs 102.63. The PNB stock price today saw movement between a high of Rs 102.33 and a low of Rs 99.55. The PNB BSE closing price was Rs 100.18, down 2.35%. Investors closely monitor the PNB Share Price as it is a key indicator for the public sector banking space in India.

For the most current, regularly updated PNB share price, please refer to the live ticker section located above on this page. That section provides a real-time PNB share price summary, including the day's high/low and the 52-week high/low.

PNB Share Returns Performance

PNB's share price performance shows strong returns over the longer term, with recent consolidation (data as of approx. April 30, 2025):

  • 1 Week: -2.72%
  • 1 Month: +4.10%
  • 3 Months: +0.84%
  • 1 Year: -29.00%
  • 5 Years: +210.25%

The PNB returns indicate recent stability to slight gains over the past month and three months, following a negative trend over the last week and year. However, the PNB historical returns highlight significant growth over three and five years, reflecting the turnaround seen in public sector banks.

As detailed in the interactive charts and data section above on this webpage, you can explore the share price chart and analyse its returns generated over various specific time frames, such as one week, one month, six months, one year, three years, and five years.

Latest News Impacting PNB Share Price

Several factors and recent news items are pertinent to the PNB share price:

  1. Strong Financial Performance: PNB reported robust results for the quarter ending December 2024 (Q3 FY25). Net profit saw a significant year-on-year and sequential increase, reaching Rs 4,508 crore. Net Interest Income (NII) also showed consistent growth, indicating healthy core banking operations.
     
  2. Improving Asset Quality: The bank has shown consistent improvement in its asset quality. Gross Non-Performing Assets (GNPA) reduced to 4.09% and Net Non-Performing Assets (NNPA) improved to 0.41% as of December 2024, which is a positive sign for the bank's financial health.
     
  3. Analyst Outlook & Sector Trends: Analyst ratings for PNB are currently mixed, with a consensus leaning towards 'Hold', although some brokerages maintain 'Buy' ratings. Technical indicators suggest a mildly bearish short-term trend. The broader public sector banking space has shown improved performance and dividend payouts recently, but valuations for many banks remain below year-ago levels due to margin pressures and regulatory factors.

The strong PNB Q3 results and improving asset quality are key positive factors affecting the PNB share price, balanced against sector-wide valuation concerns and recent technical trends.

Conclusion on PNB Stock Price

The PNB stock price reflects a period of consolidation after strong medium-term gains, supported by significantly improved profitability and asset quality as seen in recent quarterly results. While the long-term performance has been robust, recent returns are mixed, and technical indicators suggest caution in the near term. The PNB share price outlook will likely be influenced by sustained credit growth, continued improvement in asset quality metrics, overall banking sector sentiment, and macroeconomic factors.

 

 

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