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PNB share price

Punjab National Bank

NSE: PNB BSE: 532461 SECTOR: Bank - Public  550k   2k   815

106.85
+0.06 (0.06%)
NSE: Today, 11:54 AM

Price Summary

Today's High

₹ 108.42

Today's Low

₹ 106.8

52 Week High

₹ 130.19

52 Week Low

₹ 85.46

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

122802.1 Cr.

CASA %

36.61

No. of Shares

1149.29 Cr.

P/E

7.38

P/B

1.03

Face Value

₹ 2

Div. Yield

2.7 %

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 36 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 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 - - - -

Ratings & Research Reports

Company Presentations

Company News

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 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 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 107.1.

  •  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 1.0329 . The historical average PB was 0.756075596953585.

  • Share Price: - The current share price of PNB is Rs 107.1. 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 2:22 PM IST on 11th June 2025, the PNB share price was trading at Rs 110.25 on the National Stock Exchange (NSE), reflecting a decrease of 1.19% from the previous close. Similarly, the PNB Bank stock price on the Bombay Stock Exchange (BSE) registered a closing price around Rs 110.44. The day's trading saw the PNB share value fluctuate between a high of Rs 111.88 and a low of Rs 109.72, indicating a volatile session for the public sector lender. 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/symbol share price summary, including the day's high/low and the 52-week high/low.

PNB Share Returns Performance

The historical performance of the PNB share value presents a mixed but ultimately positive long-term picture for investors as of 11th June 2025.

  • 1 Week: +2.13%
  • 1 Month: +21.53%
  • 3 Months: +26.15%
  • 1 Year: -10.83%
  • 5 Years: +230.19%

The recent short-term returns for the PNB Bank stock price have been very strong, with significant gains over the past month and quarter. This contrasts with a negative return over the last year, highlighting a period of underperformance or consolidation in the medium term. However, the long-term PNB share price history over five years shows substantial growth, underscoring a significant turnaround and value creation for long-hold 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 PNB Bank share news have recently influenced its market performance.

The bank's Q4 results for the financial year ending March 2025 were a significant development. PNB reported a robust net profit of Rs 4,567 crore, a 52% increase year-on-year, driven by lower provisions for bad loans. The bank's Net Interest Income (NII) for the quarter also saw a modest rise. Furthermore, the board recommended a dividend of Rs 2.90 per share for FY25, a positive signal for shareholders.

Another important update is the bank's asset quality improvement. PNB’s Gross Non-Performing Assets (GNPA) ratio improved to 3.95% as of March 2025, down from 5.73% a year earlier. The Net NPA ratio also saw a significant reduction. This consistent improvement in asset quality is one of the key factors affecting the PNB share price, as it boosts investor confidence in the bank's stability and profitability.

Recently, the Ministry of Finance appointed PNB as the official liquidator for 32 defunct banking companies to resolve long-pending cases. This administrative responsibility, while procedural, positions PNB centrally in the government's efforts to clean up the financial system, potentially having a positive long-term reputational impact.

Conclusion on PNB Stock Price

The current PNB share price reflects strong short-term momentum, backed by impressive quarterly earnings and improving asset quality. While the stock has faced headwinds over the past year, the impressive five-year return showcases a significant recovery and turnaround story. The PNB share price outlook appears constructive, with the management's focus on recovery and growth expected to yield positive results. The PNB stock analysis suggests that continued improvements in financial metrics and a stable macroeconomic environment will be crucial for sustaining the current positive trend.

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