Punjab National Bank

₹124.5

1.5 (1.3%)

PNB Share Price

Banks

As on January 28, 2026

SectorFinancial Services

IndustryBanks

Basic IndustryPublic Sector Bank

Market Cap₹ 1,43,112 Cr

P/E Ratio8.6

Dividend Yield1.16 %

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	123.35	Bullish
10-DMA	125.61	Bearish
20-DMA	124.82	Bearish
50-DMA	122.57	Bullish
100-DMA	118.57	Bullish
200-DMA	111.7	Bullish

Historical Performance

1 Year

24.8%

3 Years

145.1%

5 Years

282.5%

10 Years

36.2%

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Interest Earned	12,40,099	10,90,646	8,68,453	7,62,418	8,19,350
Other Income	1,64,470	1,33,294	1,22,396	1,20,977	1,22,349
Operating Expenses	3,25,505	2,88,090	2,43,357	2,04,908	2,05,158
Profit Before Tax	9,34,534	9,43,880	8,96,744	7,84,384	8,29,483
Consolidated Net Profit	1,84,803	91,072	33,484	38,607	25,620
Adjusted EPS	16	8	3	4	2

Compounded Sales Growth

10 Years:21.3

5 Years:17.7

3 Years:10.2

TTM:2.6

Compounded Profit Growth

10 Years:40.3

5 Years:118.2

3 Years:36.9

TTM:15.1

Stock Price CAGR

10 Years:3.1

5 Years:30.1

3 Years:34.8

TTM:27.4

Return on Equity

10 Years:-20.2

5 Years:1.9

3 Years:2.3

last year:14.5

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Share Capital	22,986	22,022	22,022	22,022	20,955
Total Reserves	13,08,394	10,81,845	10,06,780	9,53,797	9,04,388
Total Liabilities	1,85,75,436	1,59,86,360	1,49,36,500	1,33,93,000	1,27,97,200
Investments	52,48,403	44,64,213	41,69,140	38,85,860	40,43,690
Other Fixed Assets	1,20,179	1,21,979	1,11,550	1,04,516	99,460
Capital Work in Progress	---	---	---	---	---
Other Assets	8,25,873	6,67,042	6,98,637	7,20,594	7,16,272
Total Assets	1,85,75,436	1,59,86,360	1,49,36,500	1,33,93,000	1,27,97,200

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a low PE of 8.6, which may indicate undervaluation or subdued growth expectations.
Over the last three years, the stock delivered a strong 3-year price CAGR of 34.9%, indicating sustained price appreciation.
The stock carries a beta of 1.1, indicating volatility broadly in line with the market.
In the last financial year, the company reported an EBITDA of ₹251561 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹1217610 million, indicating a large and established business.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 1273396.7

No. of Shares: 10228 (Approx)

Performance:27.3%

P/L: ₹273396.7

NIFTY Performance: 9.4%

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