ScoreWhy is Punjab National Bank ?
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
- The company has declared positive results for the last 8 consecutive quarters
- GROSS NPA(Q) Lowest at 4.09%
- NII(Q) Highest at Rs 11,032.25 cr
- CREDIT DEPOSIT RATIO(HY) Highest at 69.95 %
3
Stock is technically in a Mildly Bearish range
- The stocks Bollinger Band and KST technical factors are also Bearish
4
With ROA of 0.9, it has a Very Attractive valuation with a 0.9 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -28.92%, its profits have risen by 135.8% ; the PEG ratio of the company is 0.1
5
High Institutional Holdings at 20.38%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Underperformed the market in the last 1 year
- Even though the market (BSE 500) generated negative returns of -1.02% in the last 1 year, its fall in the stock was much higher with a return of -28.92%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Punjab Natl.Bank should be less than 10%
- Overall Portfolio exposure to Bank - Public should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Public)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Punjab Natl.Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Punjab Natl.Bank
-28.99%
-0.82
35.29%
SENSEX
0.45%
0.02
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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%
ValuationValuation 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
Loading Valuation Snapshot...
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend33What is working for the Company
GROSS NPA(Q)
Lowest at 4.09%
NII(Q)
Highest at Rs 11,032.25 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 69.95 %
INTEREST EARNED(Q)
Highest at Rs 31,339.83 cr
PAT(Q)
Highest at Rs 4,508.21 cr.
NET NPA(Q)
Lowest at 0.41 %
PBT LESS OI(Q)
Highest at Rs 3,494.08 cr.
EPS(Q)
Highest at Rs 3.92
-6What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 62,041.95 cr
NON-OPERATING INCOME(Q)
is 49.40 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Punjab Natl.Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 3,494.08 cr has Grown at 171.4 %
over average PBT of the previous four quarters of Rs 1,287.58 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 4.09% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 11,032.25 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 31,339.83 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 4,508.21 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 4,508.21 cr has Grown at 41.0 %
over average PAT of the previous four quarters of Rs 3,197.02 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 0.41 % and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 69.95 % and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 3,494.08 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 3.92
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Punjab Natl.Bank
Non Operating Income - Quarterly
is 49.40 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 62,041.95 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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