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Punjab Natl.Bank

  • Market Cap: Large Cap
  • Industry: Bank - Public
  • ISIN: INE160A01022
  • NSEID: PNB
  • BSEID: 532461
INR
96.78
1.06 (1.11%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 70.67 lacs

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

95.9497.44

52 Week

85.50142.90
Valuation
Technical
Day's Volume

CASH

70.67 lacs (-51.01%) Volume

Shareholding (Mar 2025)

FII

5.70%

Held by 577 FIIs

DII

14.67%

Held by 259 DIIs

Promoter

70.08%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Healthy long term growth as Net profit has grown by an annual rate of 43.36%

 
2

With a growth in Interest of 4.9%, the company declared Very Positive results in Dec 24

3

Stock is technically in a Mildly Bearish range

4

With ROA of 0.9, it has a Very Attractive valuation with a 0.9 Price to Book Value

5

High Institutional Holdings at 20.38%

6

Underperformed the market in the last 1 year

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Bank - Public

stock-summary
Market cap

INR 111,229 Cr (Large Cap)

stock-summary
Dividend Yield

1.50%

stock-summary
CAR

12.53%

stock-summary
Return on Assets

0.93%

stock-summary
Net NPA

0.41%

stock-summary
Gross NPA

4.09%

Revenue and Profits (1 Year):
Int. Earned:
31,339.83 Cr
(Quarterly Results - Dec 2024)
Net Profit:
4,508 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (1.5%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-7.74%
0%
-7.74%
1 Year
-28.99%
1.09%
-27.9%
2 Years
104.74%
4.11%
108.85%
3 Years
158.42%
9.72%
168.14%
4 Years
155.69%
7.38%
163.07%
5 Years
208.22%
10.43%
218.65%

Latest dividend: 1.5 per share ex-dividend date: Jun-21-2024

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Net Interest Income Growth (5y)
17.87%
Net Profit Growth (5y)
43.36%
Advance to Deposit
65.56%
Capital Adequacy Ratio (Tier 1)
11.92%
Gross NPA (latest)
4.09%
Gross NPA (avg)
9.19%
Coverage Ratio (avg)
76.22%
Cost to Income (avg)
51.01%
Net Interest Margin (avg)
2.86%
Operating Profit to Assets (avg)
3.73%
ROA (avg)
0.35%
Valuation key factors
Factor
Value
P/E Ratio
7
Price to Book Value
0.87
PEG Ratio
0.06
Dividend Yield
1.50%
ROE (Latest)
11.98%
ROA (Latest)
0.93%
Net NPA to Book Value
3.53
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 37 Schemes (4.71%)

FIIs

Held by 577 FIIs (5.7%)

Promoter with highest holding

Government Of India (through President Of India) (70.08%)

Highest Public shareholder

Life Insurance Corporation Of India (9.15%)

Individual Investors Holdings

8.55%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 4.9% vs 4.62% in Sep 2024",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 4.76% vs 32.35% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 31339.83,
          "val2": 29875.01,
          "chgp": "4.9%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "6,620.55",
          "val2": "6,853.31",
          "chgp": "-3.40%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.41%",
          "val2": "0.46%",
          "chgp": "-0.05%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.09%",
          "val2": "4.48%",
          "chgp": "-0.39%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "4,508.21",
          "val2": "4,303.46",
          "chgp": "4.76%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": " Growth in half year ended Sep 2024 is 13.46% vs 32.35% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 150.87% vs 318.44% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 58431.44,
          "val2": 51500.38,
          "chgp": "13.46%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "13,434.47",
          "val2": "12,184.42",
          "chgp": "10.26%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.46%",
          "val2": "1.47%",
          "chgp": "-1.01%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.48%",
          "val2": "6.96%",
          "chgp": "-2.48%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "7,554.99",
          "val2": "3,011.54",
          "chgp": "150.87%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 13.94% vs 28.54% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 130.46% vs 288.14% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 89771.27,
          "val2": 78788.19,
          "chgp": "13.94%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "20,055.02",
          "val2": "18,515.13",
          "chgp": "8.32%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.41%",
          "val2": "0.96%",
          "chgp": "-0.55%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.09%",
          "val2": "6.24%",
          "chgp": "-2.15%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "12,063.20",
          "val2": "5,234.35",
          "chgp": "130.46%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in year ended Mar 2024 is 25.55% vs 13.71% in Mar 2023",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 228.84% vs -27.47% in Mar 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 106901.62,
          "val2": 85144.11,
          "chgp": "25.55%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "24,930.81",
          "val2": "22,528.75",
          "chgp": "10.66%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.73%",
          "val2": "2.72%",
          "chgp": "-1.99%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "5.73%",
          "val2": "8.74%",
          "chgp": "-3.01%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "8,244.62",
          "val2": "2,507.20",
          "chgp": "228.84%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Interest Earned
31339.83
29875.01
4.9%
Operating Profit (PBDIT)
6,620.55
6,853.31
-3.40%
% of Net NPAs
0.41%
0.46%
-0.05%
% of Gross NPAs
4.09%
4.48%
-0.39%
Exceptional Items
0.00
0.00
Net Profit
4,508.21
4,303.46
4.76%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

QoQ Growth in quarter ended Dec 2024 is 4.9% vs 4.62% in Sep 2024

Direction Arrows
Net Profit

QoQ Growth in quarter ended Dec 2024 is 4.76% vs 32.35% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Interest Earned
58431.44
51500.38
13.46%
Operating Profit (PBDIT)
13,434.47
12,184.42
10.26%
% of Net NPAs
0.46%
1.47%
-1.01%
% of Gross NPAs
4.48%
6.96%
-2.48%
Exceptional Items
0.00
0.00
Net Profit
7,554.99
3,011.54
150.87%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

Growth in half year ended Sep 2024 is 13.46% vs 32.35% in Sep 2023

Direction Arrows
Net Profit

Growth in half year ended Sep 2024 is 150.87% vs 318.44% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
89771.27
78788.19
13.94%
Operating Profit (PBDIT)
20,055.02
18,515.13
8.32%
% of Net NPAs
0.41%
0.96%
-0.55%
% of Gross NPAs
4.09%
6.24%
-2.15%
Exceptional Items
0.00
0.00
Net Profit
12,063.20
5,234.35
130.46%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in nine months ended Dec 2024 is 13.94% vs 28.54% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in nine months ended Dec 2024 is 130.46% vs 288.14% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Interest Earned
106901.62
85144.11
25.55%
Operating Profit (PBDIT)
24,930.81
22,528.75
10.66%
% of Net NPAs
0.73%
2.72%
-1.99%
% of Gross NPAs
5.73%
8.74%
-3.01%
Exceptional Items
0.00
0.00
Net Profit
8,244.62
2,507.20
228.84%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in year ended Mar 2024 is 25.55% vs 13.71% in Mar 2023

Direction Arrows
Net Profit

YoY Growth in year ended Mar 2024 is 228.84% vs -27.47% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Punjab National Bank stock-summary
stock-summary
Punjab National Bank
Large Cap
Bank - Public
Punjab National Bank (PNB) is a state-owned commercial bank located in New Delhi. PNB is one of the leading commercial banks in India. They offer banking products, and also operate credit card and debit card business, bullion business, life and non-life insurance business, and gold coins and asset management business. They are recognized as the bank offering highest levels of customer satisfaction in Delhi and Chennai.
Company Coordinates stock-summary
Company Details
HO 7 Bhikaiji Cama Place , New Delhi Delhi : 110607
stock-summary
Tel: 91-011-26102303/23323654/23323657
stock-summary
http://www.pnbindia.in
stock-summary
hosd@pnb.co.in
Registrar Details
Beetal Financial & Computer Services (P) Ltd , Beetal House , 99 Mandangir, 3rd Floor, Behind Local Shopping Centre, Near Dada Harsukhdas Mandir, New Delhi
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