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Consolidated Standalone

PNB

₹126.1 3.1 | 2.5%

Market Cap ₹138849 Cr.

Stock P/E 15.2

P/B 1.4

Current Price ₹126.1

Book Value ₹ 92.7

Face Value 2

52W High ₹142.9

Dividend Yield 1.19%

52W Low ₹ 48.4

Edit Ratio

PNB Research see more...

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Fundamental Analysis of Punjab National Bank (PNB)

Overview Inc. Year: 1895Industry: Bank - Public

Punjab National Bank is an India-based bank. The Bank's segments include Retail banking,Treasury, Corporate/Wholesale banking, and Other banking operations. The Treasury section consists of the entire investment portfolio and trading in forex contracts and spinoff contracts. The Bank presents numerous banking offerings, along with agriculture banking, retail banking, treasury operations, corporate banking, service provider banking, NRI offerings, depository services, virtual banking offerings and mutual funds. Its depository offerings comprises savings deposits, term deposits, current deposits, recurring deposits, Capital Gain Account Scheme and Gold Monetization Scheme. Its loan portfolio consists of retail loans, agriculture loans, micro, small and medium organisations (MSME) loans and corporate loans. Its other services include cash control offerings, export/import finance, gold card scheme for exporters, doorstep banking service and on-line trading.

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PNB Share Price

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Peer Comparison

PNB Quarterly Results

#(Fig in Cr.) Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 19579 19090 19144 20588 22808 24305 25673 26858 27852 28682
Other Income 2696 2261 2384 2704 3325 3827 3360 2999 2676 4294
Total Income 22275 21351 21527 23292 26134 28132 29033 29857 30527 32976
Interest Expense 11697 11497 11443 12172 13513 14690 16064 16820 17444 18206
Operating Expenditure 5495 4547 4762 5610 6859 7105 7035 6798 6705 8271
Provisions and contingencies 3344 4837 4761 4883 4719 3708 3955 3461 2744 1560
Operating Profit 1739 470 562 626 1043 2630 1979 2778 3634 4940
Profit Before Tax 1739 470 562 626 1043 2630 1979 2778 3634 4940
Provision for Tax 588 225 258 263 383 889 768 1014 1382 1839
Profit After Tax 1150 245 304 364 660 1741 1211 1765 2253 3101
Adjustments 99 93 -23 130 48 123 131 226 180 241
Profit After Adjustments 1250 338 282 494 708 1864 1342 1990 2433 3342
Adjusted Earnings Per Share 1.1 0.3 0.3 0.4 0.6 1.7 1.2 1.8 2.2 3

PNB Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 43071 44958 48710 50804 48058 48725 52147 54918 81935 76242 86845 109065
Other Income 4310 4710 6175 6100 9168 8883 7367 9388 12235 12098 12240 13329
Total Income 47380 49668 54884 56904 57226 57608 59515 64306 94170 88339 99085 122393
Interest Expense 27802 28220 31343 34331 32722 33530 34656 36997 50805 46823 51817 68534
Operating Expenditure 8337 9581 10809 10350 9524 13643 11689 12150 20516 20491 24336 28809
Provisions and contingencies 4454 6897 8335 17516 13440 30284 28539 14331 19067 16431 18071 11720
Operating Profit 6786 4969 4397 -5293 1540 -19849 -15370 827 3782 4594 4861 13331
Profit Before Tax 6786 4969 4397 -5293 1540 -19849 -15370 827 3782 4594 4861 13331
Provision for Tax 1859 1435 1056 -1630 639 -7264 -5343 464 1630 919 1792 5003
Profit After Tax 4927 3535 3341 -3663 901 -12584 -10026 363 2152 3676 3069 8330
Adjustments 27 82 58 -27 286 471 456 75 410 185 279 778
Profit After Adjustments 4954 3617 3400 -3690 1187 -12113 -9570 438 2562 3861 3348 9107
Adjusted Earnings Per Share 28 20 18.3 -18.8 5.6 -43.9 -20.8 0.7 2.4 3.5 3 8.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 14% 17% 12% 7%
Operating Profit CAGR 6% 80% 0% -3%
PAT CAGR -17% 104% 0% -5%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 158% 51% 9% -3%
ROE Average 3% 3% -3% -2%
ROCE Average 6% 6% 1% 2%

PNB Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 34469 38093 42039 41804 43415 41517 46084 63876 92534 97582 102881
Minority's Interest 366 423 549 729 781 309 288 361 487 473 459
Deposits 399000 461204 515245 570383 629651 648439 681874 710254 1113717 1154234 1290347
Borrowings 47090 59033 59205 81674 43336 65330 46828 62512 52298 59372 70149
Other Liabilities & Provisions 15722 16067 18973 18204 16128 21934 15046 14453 20689 27640 29813
Total Liabilities 496648 574820 636011 712793 733311 777528 790120 851457 1279725 1339301 1493649
Cash and balance with RBI 17930 22406 24436 26492 25410 29029 32338 38604 44267 86128 78214
Bank Balance 10204 24460 33823 52557 65969 68459 44958 39152 69067 48066 79115
Investments 134734 149225 156762 165126 191527 204419 210578 253782 404369 388586 416914
Advances 320289 366073 404614 446083 424230 438826 462416 476853 679346 733766 837459
Fixed Assets 3422 3490 3656 5308 6298 6371 6246 7262 11049 10696 12084
Other Assets 10069 9166 12720 17226 19876 30424 33583 35804 71627 72059 69864
Total Assets 496648 574820 636011 712793 733311 777528 790120 851457 1279725 1339301 1493649

PNB Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 30120 28133 46866 58259 79049 91379 97488 77296 77756 113334 134194
Cash Flow from Operating Activities -692 16906 4814 14167 21938 -1742 -33532 -12793 1240 20032 22592
Cash Flow from Investing Activities -600 -302 -872 -1352 159 392 -629 -338 -787 -1204 -732
Cash Flow from Financing Activities -694 2129 7451 5975 -9767 7460 13969 13591 5415 2032 1275
Net Cash Inflow / Outflow -1987 18733 11393 18790 12330 6109 -20192 460 5868 20859 23135
Closing Cash & Cash Equivalent 28133 46866 58259 77049 91379 97488 77296 77756 113334 134194 157328

PNB Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 28.03 19.98 18.33 -18.79 5.58 -43.88 -20.79 0.65 2.45 3.51 3.04
CEPS(Rs) 29.78 21.55 20.09 -16.55 6.26 -43.48 -20.51 1.45 2.99 4.15 3.61
DPS(Rs) 5.4 2 3.3 0.38 0.03 0.22 0.07 0.05 0.17 0.64 0.65
Book NAV/Share(Rs) 186.92 202.61 219.18 198.41 186.13 137.05 92.31 87.74 81.44 82.22 85.76
Yield on Advances 13.45 12.28 12.04 11.39 11.33 11.1 11.28 11.52 12.06 10.39 10.37
Yield on Investments 7.7 7.51 7.76 8.19 8.05 8.43 7.45 7.02 7.43 7.04 6.52
Cost of Liabilities 6.23 5.42 5.46 5.26 4.86 4.7 4.76 4.79 4.36 3.86 3.81
NIM (Net Interest Margin) 3.16 2.98 2.8 2.39 2.17 2.05 2.33 2.22 2.6 2.34 2.48
Interest Spread 7.21 6.86 6.58 6.12 6.47 6.41 6.52 6.73 7.7 6.53 6.56
ROA(%) 1.02 0.66 0.55 -0.54 0.12 -1.67 -1.28 0.04 0.2 0.28 0.22
ROE(%) 16.21 10.14 8.64 -9.2 2.29 -32.5 -24.96 0.72 2.98 4.18 3.32
ROCE(%) 11.53 8.53 7.69 -1.39 3.92 -17.46 -13.05 3.04 5.39 5.34 5.86
PER(x) 5.12 7.45 7.88 0 27.01 0 0 49.71 14.99 10 15.36
Price/Book(x) 0.77 0.73 0.66 0.43 0.81 0.7 1.03 0.37 0.45 0.43 0.54
Dividend Yield(%) 3.76 1.34 2.29 0.45 0.02 0.24 0.07 0.15 0.47 1.83 1.39
EV/Net Sales(x) 1.68 1.91 1.77 1.93 1.57 1.88 1.74 1.54 1.11 1.28 1.4
EV/Core EBITDA(x) 6.45 7.25 6.75 8.04 5.03 8.79 6.89 5.56 3.97 4.66 5.3
Interest Earned Growth(%) 14.87 4.38 8.34 4.3 -5.4 1.39 7.02 5.31 49.19 -6.95 13.91
Net Profit Growth -0.96 -28.26 -5.47 -209.63 124.6 -1496.51 20.33 103.62 492.41 70.78 -16.5
Advances Growth 6.29 14.29 10.53 10.25 -4.9 3.44 5.38 3.12 42.46 8.01 14.13
EPS Growth(%) -5.4 -28.72 -8.25 -202.51 129.69 -886.48 52.63 103.13 275.72 43.4 -13.27
Loans/Deposits(x) 11.8 12.8 11.49 14.32 6.88 10.07 6.87 8.8 4.7 5.14 5.44
Cash/Deposits(x) 0.04 0.05 0.05 0.05 0.04 0.04 0.05 0.05 0.04 0.07 0.06
Current Ratio(x) 0.34 0.32 0.3 0.29 0.3 0.32 0.31 0.36 0.36 0.34 0.32
Quick Ratio(x) 11.8 12.8 11.49 14.32 6.88 10.07 6.87 8.8 4.7 5.14 5.44
CASA % 38.65 37.78 36.03 36.58 41.66 40.97 42.15 42.86 44.45 46.45 41.92

PNB Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 73.15 73.15 73.15 73.15 73.15 73.15 73.15 73.15 73.15 73.15
FII 1.19 1.36 0.99 1.22 1.71 1.7 1.82 2.65 3.1 4.82
DII 11.61 11.6 11.45 12.3 12.99 13.53 13.45 13.8 13.75 12.37
Public 14.05 13.89 14.41 13.34 12.16 11.62 11.58 10.4 10 9.67
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Company has a low return on equity of 3% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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