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PNB share price

Punjab National Bank

NSE: PNB BSE: 532461 SECTOR: Bank - Public  5.54 L   2.66 K   817

110.20
-3.65 (-3.21%)
BSE: 03 Jul 04:01 PM

Price Summary

Today's High

₹ 114.1

Today's Low

₹ 109.85

52 Week High

₹ 128.8

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

126652.23 Cr.

CASA %

36.61

No. of Shares

1149.29 Cr.

P/E

7.62

P/B

1.06

Face Value

₹ 2

Div. Yield

2.63 %

Book Value (TTM)

₹  103.59

Net Interest Income

42782.17 Cr.

Cost To Income %

54.59

Promoter Holding

70.08 %

EPS (TTM)

₹  14.47

CAR %

17.01

ROE

15.31 %

ROCE

16.3%

Profit Growth

101.71 %

* 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 37Indices.

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 Year15.31%
3 Year8.93%
5 Year6.73%

ROA%

1 Year0.98%
3 Year0.57%
5 Year0.43%

Net NPA%

1 Year0.4%
3 Year1.28%
5 Year2.88%

 NIM

1 Year2.48%
3 Year2.56%
5 Year2.52%

CAR %

17.01

Cost of Liabilities %

4.7854

PEG Ratio

0.08

Advances Growth %

15.3081

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 36.6101% of total deposits.
  • Good Capital Adequacy Ratio of 17.01%.
  • The company has delivered good Profit growth of 68.8110607969129% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.569966666666667%
  • CASA Growth of -3.7268% YoY, which is very low.
  • High Cost to income ratio of 54.5947%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Interest Earned 28113.43 28556.43 29875.01 31339.83 31989.46
Other Income 4247.61 3609.52 4572.09 3411.87 4715.89
Interest Expended 17750.32 18080.18 19358.32 20307.58 21232.48
Operating Expenses 8195.04 7504.61 8235.47 7823.57 8697.22
Total Provisions 1588.05 1312.32 288.01 -285.4 359.67
Profit Before Tax 4827.63 5268.84 6565.3 6905.95 6415.98
Tax 1817.36 2017.31 2261.84 2397.74 1848.98
Net Profit 3010.27 3251.53 4303.46 4508.21 4567
Net NPA % 0.73 0.6 0.46 0.41 0.4
Gross NPA % 5.73 4.98 4.48 4.09 3.95
Return on Assets % 0.77 0.82 1.02 1.03 1.02
NPM % 10.71 11.39 14.4 14.38 14.28

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

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 80818.4 74879.54 85144.11 106901.62 121760.73
Other Income 11922.31 12319.96 12142.53 13383.54 16309.37
Interest Expended 50272.79 46185.08 50652.47 66818.55 78978.56
Operating Expenses 20308.75 20252.6 24105.41 28535.8 32260.87
Total Provisions 18679.78 16445.43 18240.49 11736.6 1674.6
Profit Before Tax 3479.4 4316.39 4288.26 13194.21 25156.07
Taxes 1457.78 859.43 1781.06 4949.59 8525.87
Net Profit 2021.62 3456.96 2507.2 8244.62 16630.2
Adjusted EPS (Rs.) 1.93 3.14 2.28 7.49 14.47

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 2095.54 2202.2 2202.2 2202.2 2298.59
Total Reserves 88841.77 93284.69 97653.46 104274.37 125063.66
Deposits 1106332.47 1146218.45 1281163.1 1369712.81 1566623.28
Borrowings 42840.31 45681.41 51291.73 50429.85 83776.72
Other Liabilities 20522.52 27418.27 29520.87 35215.77 40408.49
Total Liabilities 1260632.62 1314805.02 1461831.36 1561835.01 1818170.73
Assets
Balance with RBI 43958.83 85736.12 78176.58 65032.91 64304.61
Balance with Banks 67390.88 46910.66 76932.23 64071.67 84415.23
Investments 392983.25 372167.76 395996.72 420318.21 497311.25
Advances 674230.08 728185.68 830833.98 934430.59 1077474.57
Net Block 11020.9 10673.61 12051.07 12318.77 13053.39
Other Assets 71048.68 71131.2 67840.78 65662.85 81611.68
Total Assets 1260632.62 1314805.02 1461831.36 1561835.01 1818170.73
* 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 - - - -

Annual Reports

Title Link
Title Link
Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY Link
TYPE AGENCY Link
Credit INDIA RATINGS
Credit CARE
Credit CRISIL
Credit INDIA RATINGS
Credit BRICKWORK
Credit BRICKWORK
Credit ICRA
Credit CRISIL
Credit FITCH
Credit ICRA
Credit CARE
Credit FITCH
Credit FITCH
Credit MOODY
Credit FITCH
Credit FITCH
Credit CRISIL
Credit CRISIL
Credit FITCH
Credit CRISIL
Credit ICAR
Credit CARE
Credit FITCH
Credit ICRA
Credit FITCH
Credit CRISIL
Credit INDIA RATINGS & RESEARCH
Credit CRISIL
Credit ICRA
Credit CARE
Credit ICRA
TYPE AGENCY Link
TYPE AGENCY Link
Research Geojit
Research LKP Securities
Research HDFC Securities
Research LKP Securities
Research Ventura
Research Nirmal Bang Institutional
Research Motilal Oswal

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY24
Concall Q4FY23
Concall Q2FY24
Concall Q2FY21
Concall Q1FY21
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY24
Presentation Q3FY25
Presentation Q3FY24
Presentation Q3FY21
Presentation Q2FY21
Presentation Q1FY25
Presentation Q1FY24
Presentation Q1FY21

Company News

Punjab National Bank reports 12% rise in global business during Q1FY26 3 Jul, 11:40 AM PNB sells entire 21% stake in India SME Asset Reconstruction Company 18 Jun, 11:00 AM Punjab National Bank signs agreement with Singareni Colleries Company 17 Jun, 11:17 AM PNB eyes Rs 16,000 crore recovery and slippages below 1% in FY 26 26 May, 2:12 PM Punjab National Bank inks pact to sell entire stake in ISARC 14 May, 4:14 PM Punjab National Bank reports 50% rise in Q4 consolidated net profit 7 May, 4:48 PM PNB - Quaterly Results 7 May, 2:34 PM PNB - Quaterly Results 7 May, 2:34 PM PNB - Quaterly Results 7 May, 2:34 PM 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

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 110.23.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. PNB has earned Rs 121760.727 Cr. revenue in the latest financial year. PNB has posted outstanding revenue growth of 17.592779858717 % in last 3 Years.

  • In terms of advances, PNB reported 15.3081 % YOY,  rise . If you see 3 years advance growth, it stands at 13.9519162470777 %.

  • Currently, PNB has a CASA ratio of 36.6101 %. It’s overall cost of liability stands at 4.7854 %. Also, the total deposits from these accounts stood at Rs 1566623.283 Cr.

  • PNB has a average ROA track record. The ROA of PNB is at 0.984 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of PNB stood at 3.95 % and 0.4 % 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 -85.7318319189109 % 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 16309.3713 Cr.

  • PNB has a Good Capital Adequacy Ratio of 17.01 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently PNB is trading at a P/B of 1.0638 . The historical average PB was 0.756075596953585.

  • Share Price: - The current share price of PNB is Rs 110.23. One can use valuation calculators of ticker to know if PNB share price is undervalued or overvalued.

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Brief about PNB

Current PNB Share Price

The latest PNB share price on the National Stock Exchange (NSE) is Rs 105.08 as of 3:30 PM IST on June 24, 2025. This shows a gain of +1.13% compared to its previous close of Rs 103.91. The PNB bank stock price on BSE also reflects similar positive movement today. 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 (Rs 106.62 / Rs 105.00) and the 52-week high/low (Rs 128.80 / Rs 85.46).

PNB Share Returns Performance

Punjab National Bank (PNB) returns performance over various periods is as follows (data as of June 23, 2025, unless otherwise specified):

  • 1 Week: -2.7%
  • 1 Month: +2.92%
  • 3 Months: +8.32%
  • 1 Year: -16.92%
  • 5 Years: +184.68%

These PNB share returns indicate a mixed short-term trend, with a slight decline over the last week but positive gains over the past month and three months. The PNB bank stock price has seen a notable decline over the last year. However, the PNB share price history demonstrates exceptional long-term growth, with impressive multi-bagger returns over the 5-year period. This highlights that despite recent fluctuations, the PNB share value has created substantial value for long-term investors. 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 key pieces of recent news have been influencing the PNB bank share news:

  • Strong Q4 FY25 Results: Punjab National Bank reported a significant 49.28% year-on-year jump in its consolidated net profit to Rs 4,989.29 crore for Q4 FY25. Total income also saw growth. For the full FY25, net profit surged by 103% to Rs 18,480 crore. The bank also showcased improving asset quality with both Gross NPA and Net NPA decreasing to 3.95% and 0.40% respectively as of March 2025. This strong financial performance is a major positive factor for the PNB share price.
     
  • Dividend Announcement: PNB declared a final dividend of Rs 2.90 per share for FY25, with June 20, 2025, as the record date. This consistent dividend payout is generally seen as a positive for shareholders.
     
  • Stake Sale in ISARC: PNB recently sold its entire 21% stake in India SME Asset Reconstruction Company Ltd (ISARC) for Rs 34 crore. This strategic divestment is part of the bank's efforts to streamline its operations and optimize its holdings
     
  • Retail and Student Loan Rate Cuts: PNB has been proactive in adjusting its lending rates, including reducing student loan rates under the Pradhan Mantri Vidyalaxmi Scheme to 7.5%. Such measures aim to boost credit growth and increase market share.

     

  • Analyst Outlook: Analysts maintain a mixed view on PNB, with some recommending 'Hold' while others suggest 'Buy', often citing improving asset quality and a strong return on assets for a public sector bank.

Conclusion on PNB Stock Price

The PNB share price outlook is currently positive, largely driven by its strong Q4 FY25 financial results and continuous improvement in asset quality. While the stock has seen some short-term fluctuations and a decline over the past year, its exceptional long-term returns and strategic focus on operational efficiency and credit growth underpin its potential. The PNB bank share analysis suggests that the bank's strong fundamentals and its role in the Indian banking sector position the PNB share value for continued long-term stability and growth.

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