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PNB share price

Punjab National Bank

NSE: PNB BSE: 532461 SECTOR: Bank - Public  5.59 L   2.66 K   819

110.65
+0.75 (0.68%)
BSE: 24 Jul 04:01 PM

Price Summary

Today's High

₹ 111

Today's Low

₹ 108.25

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

127169.42 Cr.

CASA %

36.61

No. of Shares

1149.29 Cr.

P/E

7.65

P/B

1.07

Face Value

₹ 2

Div. Yield

2.62 %

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 %
Jun 2025 70.08 0.00
Mar 2025 70.08 0.00
Dec 2024 70.08 0.00
Sep 2024 70.08 0.00
Jun 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 Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 73.15 70.08 70.08 70.08 70.08
central government (presi... - - - - 70.08
government of india (thro... - - 70.08 70.08 -
central government (throu... 73.15 70.08 - - -
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 26.85 29.92 29.92 29.92 29.92
life insurance corporatio... 8.18 7.91 8.32 9.15 9.18
sbi contra fund - - 1.70 1.72 2.41
citigroup global markets ... - 1.15 - - -

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 110.67.

  •  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 1.0682 . The historical average PB was 0.756075596953585.

  • Share Price: - The current share price of PNB is Rs 110.67. 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

The latest PNB share price on the NSE (National Stock Exchange) is Rs 114.19 as of July 16, 2025, at 12:30:42 PM IST. The PNB bank stock price today shows a gain of +1.74% compared to its previous close of Rs 112.24. The day's trading has seen PNB share open at Rs 112.37, with a high of Rs 114.50 and a low of Rs 111.86. 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

Here's a look at PNB's historical returns performance (data as of July 15, 2025):

  • 1 Week: +0.21%

  • 1 Month: +5.28%

  • 3 Months: +16.82%

  • 1 Year: -4.67%

  • 5 Years: +234.55% (as of July 15, 2025, relative to previous 5 years)

Analysing these PNB returns, we see a positive trend in the short to medium term, with the PNB share value gaining over the past week, month, and three months. This indicates recent bullish sentiment. However, the one-year return shows a slight decline, suggesting some volatility or a period of correction within the last 12 months. Crucially, the long-term five-year performance highlights a significant positive return of over 234%, demonstrating the PNB bank stock's substantial growth over an extended period. 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

Recent significant news related to Punjab National Bank that could be influencing the PNB share price includes:

  • Q4 FY2025 Results: Punjab National Bank reported a strong performance for Q4 FY2025, with net profit surging by 49.28% year-on-year to Rs 4,989.29 crore. Revenue also increased significantly, reflecting healthy business growth. This robust financial performance is a key positive factor for PNB share news and investor confidence.

  • Business Growth Updates: The bank has reported strong growth in its business, with global business up 11.6% and domestic business up 11.1% in Q1 FY2026. Education loans have also seen a 10.5% year-on-year growth in FY2025, indicating expansion in key lending segments.

     

  • Recruitment Plans: PNB announced plans to significantly increase its workforce by over 5,500 in the current financial year. This indicates the bank's expansion strategy and confidence in future growth, which can positively influence the PNB share price outlook.

     

  • Dividend Declaration: Punjab National Bank has declared a final dividend of Rs 1.05 per equity share for FY 2024-25, which adds to the attractiveness of the PNB bank stock for income-seeking investors.

Conclusion on PNB Stock Price

The PNB share price is currently showing positive movement today, supported by strong quarterly results and positive business updates. While the one-year return indicates some recent challenges, the long-term PNB share price history over five years demonstrates substantial growth, reinforcing the fundamental strength of the PNB bank stock. The bank's focus on business expansion, including in education loans, along with its recruitment drive, suggests a proactive approach to growth. Overall, the PNB stock analysis points towards a consolidating to positive sentiment for the long term, with current price action reflecting improving fundamentals despite short-term market fluctuations.

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