Punjab National Bank
Fundamental Score
Punjab National Bank Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of PNB across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Return on Equity (15.17%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (60.33%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Consistent Growth Track Record (17.69% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (89.91% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (111.32% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Cash Generation (₹63105.57 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (70.08%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
5 factors identified
Suboptimal ROCE (6.32%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 12.22)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.31x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for Punjab National Bank
About PNB
Business Overview
Punjab National Bank provides various banking and financial products and services in India and internationally. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers personal banking products and services, including saving fund accounts, current accounts, fixed deposit, and capital gain account and gold monetization schemes; and housing, vehicle, education, personal, gold, and mortgage and other loans. It also provides various micro, small, and medium enterprises schemes and loans; banking products for government customers; agricultural schemes and loans; corporate banking products and services consist of loans against future lease rentals, working capital financing, and term loans; EXIM finance and cash management services, as well as gold card schemes for exporters; and international banking products and services. In addition, the company offers life and general insurance services; and depository, mutual funds, merchant banking, and application supported by blocked amount services. Further, the company provides mobile and internet banking, SMS banking, missed call, e-statement, ATM, passbook updating machine, and electronic cheque deposit machine services; and point of sale (PoS) is the payment acceptance solutions, NFC-enabled terminals facilitating quick payments, as well as debit and credit cards. Punjab National Bank was incorporated in 1894 and is headquartered in New Delhi, India.
Company Details
Key Leadership
Corporate Events
Latest News
PNB Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Punjab National Bank (PNB)?
As of 29 Jan 2026, 10:35 am IST, Punjab National Bank (PNB) is currently trading at ₹125.25. The stock has a market capitalization of ₹1.44L (Cr).
Is PNB share price Overvalued or Undervalued?
PNB is currently trading at a P/E ratio of 8.45x, compared to the industry average of 8.20x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Punjab National Bank share price?
Key factors influencing PNB's price include its quarterly earnings growth (Sales Growth: 6.78%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Punjab National Bank a good stock for long-term investment?
Punjab National Bank shows a 5-year Profit Growth of 111.32% and an ROE of 15.17%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 12.22 before investing.
How does Punjab National Bank compare with its industry peers?
Punjab National Bank competes with major peers in the Public Sector Bank. Investors should compare PNB's P/E of 8.45x and ROE of 15.17% against the industry averages to determine its competitive standing.
What is the P/E ratio of PNB and what does it mean?
PNB has a P/E ratio of 8.45x compared to the industry average of 8.20x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹8 for every ₹1 of annual earnings.
How is PNB performing according to Bull Run's analysis?
PNB has a Bull Run fundamental score of 54.8/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does PNB belong to?
PNB operates in the Public Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Punjab National Bank.
What is Return on Equity (ROE) and why is it important for PNB?
PNB has an ROE of 15.17%, which indicates excellent management efficiency and profitable operations. Return on Equity measures how efficiently Punjab National Bank generates profits from shareholders' equity.
How is PNB's debt-to-equity ratio and what does it indicate?
PNB has a debt-to-equity ratio of 12.22, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is PNB's dividend yield and is it a good dividend stock?
PNB offers a dividend yield of 2.31%, which means you receive ₹2.31 annual dividend for every ₹100 invested.
How has PNB grown over the past 5 years?
PNB has achieved 5-year growth rates of: Sales Growth 17.69%, Profit Growth 111.32%, and EPS Growth 89.91%.
What is the promoter holding in PNB and why does it matter?
Promoters hold 70.08% of PNB shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is PNB's market capitalization category?
PNB has a market capitalization of ₹144007 crores, placing it in the Large-cap category.
How volatile is PNB stock?
PNB has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for PNB?
PNB has a 52-week high of ₹N/A and low of ₹N/A.
What is PNB's operating profit margin trend?
PNB has a 5-year average Operating Profit Margin (OPM) of 60.33%, indicating the company's operational efficiency.
How is PNB's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 6.78% and YoY Profit Growth of 8.72%.
What is the institutional holding pattern in PNB?
PNB has FII holding of 5.67% and DII holding of 15.54%. Significant institutional holding often suggests professional confidence in the stock.