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.
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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.
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In terms of advances, PNB reported 15.3081% YOY, rise . If you see 3 years advance growth, it stands at 13.9519162470777%.
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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.
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PNB has a average ROA track record. The ROA of PNB is at 0.984%.
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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.
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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.
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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.
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PNB has a Good Capital Adequacy Ratio of 17.01 .
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The best metric which provides insights about bank’s valuation is P/B ratio. Currently PNB is trading at a P/B of 1.0971 . The historical average PB was 0.756075596953585.
One can find all the Financial Ratios of PNB in Ticker for free. Also, one can get the intrinsic value of PNB by using Valuation Calculators, which are available with a Finology ONE subscription.
PNB FAQs
Q1. What is PNB share price today?
Ans: The current share price of PNB is Rs 121.71.
Q2. What is the market capitalisation of PNB?
Ans: PNB has a market capitalisation of Rs 139880.612514828 Cr., calculated based on its latest share price.
Q3. What are the P/E and P/B ratios of PNB?
Ans: The PE ratio of PNB is 8.93579530854227 and the P/B ratio of PNB is 1.09716554299823, showing how the stock is valued against its earnings and book value.
Q4. What is the 52-week high and low of PNB share?
Ans: The 52-week high share price of PNB is Rs 127.8, and the 52-week low share price of PNB is Rs 85.46.
Q5. Does PNB pay dividends?
Ans: Currently, PNB pays dividends. Dividend yield of PNB is around 2.3819%.
Q6. What are the face value and book value of PNB shares?
Ans: The face value of PNB shares is Rs 2, while the book value per share of PNB is around Rs 110.9313. Face value is the nominal value set by the company, whereas book value reflects its accounting worth.
Q7. What are the ROE and ROCE of PNB?
Ans: The ROE of PNB is 15.3115% and ROCE of PNB is 16.3015%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.
Q8. Is PNB a good buy for the long term?
Ans: The PNB long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.
Q9. Is PNB undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the PNB appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.
Q10. How to check PNB’s financials?
Ans: You can review PNB’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.