‌

Actions

Action Type

‌
‌

AI Mode

Get instant AI-powered insights about company performance, financials, and strategy. Ask questions about trends, competition, and developments while receiving responses backed by official documents and market data, with clear attribution to source documents.

Ask AI

Overview

Detailed Summary

Punjab National Bank (PNB) is a state-owned commercial bank, one of India's leading institutions, providing a wide range of banking products and services, including trade finance, credit cards, insurance, and asset management.
In Q3 FY26, the bank reported a 13.1% YoY growth in net profit, reaching ₹5,100 Cr, and improved asset quality with a reduction in GNPA to 3.19%, showcasing effective management of bad loans.
The bank's digital initiatives have significantly increased, with digital transactions accounting for 94.86% of total transactions and a notable increase in PNB One app users, signaling a strong shift towards digital banking.
PNB's capital adequacy ratio remains robust at 16.77%, with Tier 1 capital substantially above regulatory requirements, reflecting a solid capital position despite a challenging economic environment.
Despite strong financial performance, PNB is cautious with credit cost projections due to expected ECL (Expected Credit Loss) compliance by 2027, preparing for future regulatory requirements.

Sector: Banks
Industry: Banks - Public Sector
Market Cap: 1,36,421 Cr
Volatility: Moderate Risk
P/E Ratio: 7.7
Industry P/E: 10.3
PEG Ratio: 2.1
P/B Ratio: 1.0
52W High: 135.15
52W Low: 85.50

Sales CAGR

1Y: 13.70%
3Y: 17.59%
5Y: 17.75%
10Y: 11.05%

Profit CAGR

1Y: 102.60%
3Y: 68.81%
5Y: 118.20%
10Y: —

ROE

TTM: 11.09%
3Y: 8.93%
5Y: 6.96%
10Y: 1.76%

ROCE

TTM: 5.83%
3Y: 11.16%
5Y: 11.17%
10Y: 11.23%

Technicals

‌

Forecasts

Unlock Premium Features

Analyst Target, Price, EPS and Revenue Projections

Upgrade

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
BANKBARODA	287.40	1,48,625 Cr	7.64	0.91	2.91	11.65	5.45	0.97
PNB	118.70	1,36,421 Cr	7.67	0.97	2.44	11.09	5.83	0.84
UNIONBANK	178.70	1,36,413 Cr	7.20	1.09	2.66	14.07	6.34	1.23
CANBK	141.75	1,28,576 Cr	6.37	1.16	2.82	15.20	6.19	0.98
INDIANB	873.40	1,17,644 Cr	9.78	1.62	1.86	14.15	5.87	1.19
BANKINDIA	161.80	73,708 Cr	7.22	0.94	2.50	11.21	5.61	0.86
IOB	34.85	67,109 Cr	13.56	2.08	0.00	13.33	5.63	1.06

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

Ask AI

Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	26,858	27,852	28,682	29,145	30,447	31,895	32,523	32,572	32,513	32,889
Expenses	10,259	9,449	9,831	8,473	8,592	7,494	9,142	9,197	8,299	9,298
Interest	16,820	17,444	18,206	18,536	19,790	20,738	21,640	21,828	21,858	22,164
Financing Profit	-221	959	646	2,136	2,065	3,663	1,742	1,547	2,356	1,426
Financing Margin %	-0.82	3.44	2.25	7.33	6.78	11.49	5.36	4.75	7.25	4.34
Other Income	2,999	2,676	4,294	3,615	4,664	3,392	4,776	5,427	4,171	5,013
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	2,778	3,634	4,940	5,751	6,729	7,055	6,518	6,973	6,527	6,440
Tax %	36.49	38.02	37.23	35.38	34.13	34.11	28.77	73.73	25.72	19.41
Net Profit	1,990	2,433	3,342	3,976	4,714	4,801	4,989	2,120	5,125	5,556
EPS in Rs	1.73	2.12	2.91	3.46	4.27	4.18	4.34	1.84	4.46	4.83
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	48,058	48,725	52,147	54,918	81,935	76,242	86,845	1,09,065	1,24,010	1,27,438
Expenses	22,533	43,345	39,645	25,867	38,601	36,026	41,502	39,623	33,893	34,425
Interest	32,722	33,530	34,656	36,997	50,805	46,823	51,817	68,534	80,704	83,996
Financing Profit	-7,197	-28,151	-22,154	-7,946	-7,470	-6,607	-6,473	908	9,413	9,017
Financing Margin %	-14.98	-57.78	-42.48	-14.47	-9.12	-8.67	-7.45	0.83	7.59	7.08
Other Income	9,168	8,883	7,367	9,388	12,235	12,098	12,240	13,329	16,447	18,258
Depreciation	430	581	584	614	982	896	905	906	958	0.00
Profit Before Tax	1,540	-19,849	-15,370	827	4,325	4,826	5,151	14,160	26,015	27,275
Tax %	41.49	36.60	34.77	56.07	37.69	19.03	34.79	35.33	28.69	39.05
Net Profit	1,239	-12,111	-9,550	485	2,695	3,908	3,359	9,157	18,553	16,624
EPS in Rs	—	—	-9.48	0.33	2.29	3.39	2.90	7.93	16.25	15.47
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	18.13	21.38	18.14	17.66	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	393	426	552	921	1,348	2,096	2,202	2,202	2,202	2,299
Reserves	41,412	42,739	40,965	44,277	62,529	90,439	95,380	1,00,678	1,08,185	1,30,839
Borrowings	6,52,056	6,72,987	7,13,769	7,28,702	7,72,767	11,66,015	12,13,606	13,60,496	14,51,811	16,82,826
Other Liabilities	18,932	17,159	22,242	15,366	14,814	21,176	28,113	30,273	36,438	41,579
Total Liabilities	7,12,793	7,33,311	7,77,528	7,89,266	8,51,457	12,79,725	13,39,301	14,93,649	15,98,636	18,57,544
Fixed Assets	5,308	6,298	6,371	6,248	7,262	11,049	10,696	12,084	12,348	13,083
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	1,65,126	1,91,527	2,04,419	2,09,723	2,53,782	4,04,369	3,88,586	4,16,914	4,46,421	5,24,840
Other Assets	5,42,358	5,35,486	5,66,738	5,73,295	5,90,413	8,64,307	9,40,019	10,64,651	11,39,867	13,19,620
Total Assets	7,12,793	7,33,311	7,77,528	7,89,266	8,51,457	12,79,725	13,39,301	14,93,649	15,98,636	18,57,544

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	14,167	21,938	-1,742	-34,158	-12,793	30,950	20,032	22,592	-27,939	22,075
Cash from Investing Activity	-1,352	159	392	225	-338	-787	-1,204	-732	-1,506	-1,578
Cash from Financing Activity	5,975	-9,767	7,460	13,741	13,591	5,415	2,032	1,275	3,518	-1,138
Net Cash Flow	18,790	12,330	6,109	-20,192	460	35,579	20,859	23,135	-25,928	19,359

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	73.15%	73.15%	73.15%	73.15%	73.15%	73.15%	70.08%	70.08%	70.08%	70.08%	70.08%	70.08%
FIIs	1.70%	1.82%	2.65%	3.10%	4.82%	5.51%	8.41%	5.70%	5.70%	5.52%	5.67%	5.94%
DIIs	13.53%	13.45%	13.80%	13.75%	12.37%	10.77%	11.67%	14.31%	14.67%	15.07%	15.55%	16.09%
Public	11.62%	11.58%	10.40%	10.00%	9.67%	10.57%	9.84%	9.91%	9.54%	9.33%	8.71%	7.90%
Total Shareholders	20,67,202	20,30,100	20,83,546	21,63,625	23,53,625	25,29,283	25,79,491	26,40,520	26,53,665	25,74,693	24,55,484	23,09,003

Market Transactions

Unlock Premium Features

Analyst Target, Price, EPS and Revenue Projections

Upgrade

Projection

Unlock Premium Features

Get In-depth insights on EPS and Revenue forecasts

Upgrade

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Available on Pro Plan

Unlock reports, presentations, and AI-powered insights.

Investor Presentation

Q3 FY25

Available on Pro Plan

Unlock reports, presentations, and AI-powered insights.

Investor Presentation

Q2 FY25

Available on Pro Plan

Unlock reports, presentations, and AI-powered insights.

Investor Presentation

Q1 FY25

Available on Pro Plan

Unlock reports, presentations, and AI-powered insights.

Investor Presentation

Q4 FY24

Showing 1 - 8 of 17

Actions

Action Type

‌
‌

Announcements

Last 7 days

Newest

Sentiment

Regulatory Filing

5 days ago

Bank Strike Notice

All India Bank Employees' Associations have called for a strike on February 12, 2026, which may affect bank operations.

AI Mode

Ask AI

Frequently Asked Questions about Punjab National Bank

Punjab National Bank (PNB) is currently trading at 118.70 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Punjab National Bank (PNB) is a state-owned commercial bank, one of India's leading institutions, providing a wide range of banking products and services, including trade finance, credit cards, insurance, and asset management. In Q3 FY26, the bank reported a 13.1% YoY growth in net profit, reaching ₹5,100 Cr, and improved asset quality with a reduction in GNPA to 3.19%, showcasing effective management of bad loans. The bank's digital initiatives have significantly increased, with digital transactions accounting for 94.86% of total transactions and a notable increase in PNB One app users, signaling a strong shift towards digital banking. PNB's capital adequacy ratio remains robust at 16.77%, with Tier 1 capital substantially above regulatory requirements, reflecting a solid capital position despite a challenging economic environment. Despite strong financial performance, PNB is cautious with credit cost projections due to expected ECL (Expected Credit Loss) compliance by 2027, preparing for future regulatory requirements.

Over the past 52 weeks, Punjab National Bank has traded between a low of ₹85.50 and a high of ₹135.15. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Punjab National Bank has a market capitalization of approximately 1,36,421.24. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Punjab National Bank’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 7.67 and operates in the Banks sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 1,36,421.24 Cr, Punjab National Bank is classified as a Large Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Punjab National Bank operates in the Banks sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Punjab National Bank is 7.67. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

It is a proposed legislation aimed at making Public Sector Banks like PNB more professional, competitive, and accountable through improved board composition, clearer accountability, and better talent management.

Punjab National Bank reported a borrowal fraud amounting to a total of ₹2,434 crore to the Reserve Bank of India.

Punjab National Bank reported a total borrowing fraud of ₹2,434 crore to the Reserve Bank of India.

Punjab National Bank

Actions

AI Mode

Ask AI

Utility

Company

Overview

Financial Ratios

Technicals

Forecasts

Unlock Premium Features

Upgrade

Peers

Price Chart Comparison

Financial Statements

AI Powered Summary

Ask AI

Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Market Transactions

Unlock Premium Features

Upgrade

Projection

Unlock Premium Features

Upgrade

Documents

Actions

Announcements

Bank Strike Notice

AI Mode

Ask AI

Frequently Asked Questions about Punjab National Bank

What is Punjab National Bank share price today?

What does Punjab National Bank do?

What is the 52-week high and low of Punjab National Bank?

What is the market capitalization of Punjab National Bank?

Should I consider investing in Punjab National Bank stock?

Is Punjab National Bank a large-cap, mid-cap, or small-cap stock?

Which sector does Punjab National Bank belong to and why does it matter?

What is the PE ratio of Punjab National Bank?

What is the Banking Governance Bill announced in Budget 2026?

What is the total amount of the new loan fraud reported by PNB?

What was the total amount of the fraud reported by PNB?

Technicals

Announcements

Bank Strike Notice

Documents

Frequently Asked Questions about Punjab National Bank

What is Punjab National Bank share price today?

What does Punjab National Bank do?

What is the 52-week high and low of Punjab National Bank?

What is the market capitalization of Punjab National Bank?

Should I consider investing in Punjab National Bank stock?

Is Punjab National Bank a large-cap, mid-cap, or small-cap stock?

Which sector does Punjab National Bank belong to and why does it matter?

What is the PE ratio of Punjab National Bank?

What is the Banking Governance Bill announced in Budget 2026?

What is the total amount of the new loan fraud reported by PNB?

What was the total amount of the fraud reported by PNB?

Oscillators

Neutral

Overall

Bearish

Moving Averages

Bearish

Overall

Bearish

Stock Summary and Key Metrics

Investment Checklist

Investment Checklist

Forecasts

Unlock Premium Features

Upgrade

Projection

Unlock Premium Features

Upgrade