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PNB share price

Punjab National Bank

NSE: PNB BSE: 532461 SECTOR: Bank - Public  544k   2k   811

102.05
+1.10 (1.09%)
BSE: 27 May 04:01 PM

Price Summary

Today's High

₹ 102.65

Today's Low

₹ 100.15

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

117285.49 Cr.

CASA %

40.34

No. of Shares

1149.29 Cr.

P/E

7.05

P/B

0.99

Face Value

₹ 2

Div. Yield

2.84 %

Book Value (TTM)

₹  103.59

Net Interest Income

40083.07 Cr.

Cost To Income %

53.37

Promoter Holding

70.08 %

EPS (TTM)

₹  14.47

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 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 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 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 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

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 102.02.

  •  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 0.9851 . The historical average PB was 0.646157826629968.

  • Share Price: - The current share price of PNB is Rs 102.02. 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 latest update on May 20, 2025, at 15:30:01 IST, the PNB Share Price was trading at Rs 100.50 on the NSE (National Stock Exchange). The PNB Bank Stock Price Today experienced a slight decline of approximately 0.41% compared to its previous closing price of Rs 100.91. Throughout the trading session, the PNB NSE scrip recorded an intraday high of Rs 102.25 and a low of Rs 100.20. Investors tracking the PNB share value would note this modest intraday movement. 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

The historical returns for Punjab National Bank (PNB) showcase a strong long-term recovery and growth, with some recent fluctuations:

  • 1 Week: +7.55% (as of May 19, 2025)
  • 1 Month: +2.1% (as of May 20, 2025)
  • 3 Months: +6.21% (as of May 20, 2025)
  • 1 Year: -19.44% (as of May 20, 2025)
  • 5 Years: +281.92% (as of May 20, 2025)

Analysing these figures, PNB Returns have delivered very strong growth over five-year and three-year periods, indicating a significant turnaround and value creation for long-term investors. The recent short-term performance (1 week to 3 months) has also been positive. However, the PNB Performance over the past year has been negative, reflecting earlier market corrections or sector-specific pressures before the more recent recovery. This PNB share price history highlights a journey of recovery and growth. 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 recent developments have been influencing the PNB Share Price:

  1. Strong Q4 FY25 Results & Dividend Announcement: Punjab National Bank reported robust financial results for the fourth quarter ended March 31, 2025, on May 7, 2025. The bank posted a 51.7% year-on-year (YoY) surge in standalone net profit to Rs 4,567 crore. Net Interest Income (NII) for Q4 FY25 increased by 3.8% YoY to Rs 10,756.98 crore. A significant improvement was seen in asset quality, with the Gross Non-Performing Assets (GNPA) ratio declining to 3.95% from 5.73% YoY, and the Net NPA ratio improving to 0.40% from 0.73% YoY. Alongside these strong PNB Q4 Results, the board recommended a dividend of Rs 2.90 per equity share for FY25.

  2. Fundraising Plans Approved: Concurrent with its Q4 FY25 results announcement, PNB's Board of Directors approved a proposal to raise capital up to Rs 8,000 crore. This fundraising will be executed through the issuance of Basel III compliant bonds, including Additional Tier-I (AT-1) bonds up to Rs 4,000 crore and Tier-II bonds up to Rs 4,000 crore, to be raised in one or more tranches during the financial year 2025-26. This is an important piece of PNB bank share news regarding its capital augmentation strategy.

  3. Operational Developments and Outlook: PNB has set targets for credit growth at 11-12% and deposit growth at 9-10% for the current financial year (FY26). Recently, on May 13, 2025, PNB announced the sale of its stake in India SME Asset Reconstruction Company. However, there was also news around May 16, 2025, regarding an internal probe into some officials allegedly issuing unauthorised financial instruments, which investors might monitor. These factors affecting PNB share price contribute to the overall market sentiment.

These developments are key for investors analysing the PNB share value and its future prospects.

Conclusion on PNB Stock Price

The PNB Stock Price reflects a public sector bank on a strong recovery and growth path, as evidenced by its impressive Q4 FY25 financial results, improved asset quality, and a healthy dividend announcement. The bank's proactive capital-raising plans and clear growth targets for FY26 further underscore its positive outlook. While the PNB share price history shows some volatility and a negative return over the past year, the robust recent performance and strong long-term returns suggest growing investor confidence. The overall sentiment for the PNB stock analysis is cautiously optimistic, with the bank's ability to sustain its growth momentum and manage asset quality being key monitorables.

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