Punjab National Bank Financials
NSE: PNB | BSE: 532461
₹116.75
₹-0.10
(-0.09%)
As on 11-Sep-2026IST
Market cap
₹1,34,065 Cr
Revenue (TTM)
₹1,31,789 Cr
P/E Ratio
6.1
P/B Ratio
0.9
Div. Yield
2.6 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
1,31,788.93
|
1,30,772.09
|
1,24,009.85
|
1,09,064.58
|
86,845.29
|
76,241.83
|
|
|
|
|
|
|
Other Income
|
17,629.28
|
18,691.21
|
16,446.96
|
13,329.43
|
12,239.59
|
12,097.66
|
|
|
|
|
|
|
Total Income
|
1,49,418.21
|
1,49,463.30
|
1,40,456.81
|
1,22,394.01
|
99,084.88
|
88,339.49
|
|
|
|
|
|
|
Interest Expended
|
88,824.37
|
88,069.40
|
80,703.84
|
68,534.16
|
51,816.99
|
46,823.08
|
|
|
|
|
|
|
Operating Expenses
|
30,684.67
|
31,828.96
|
32,550.46
|
28,808.98
|
24,335.68
|
20,490.77
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
29,909.17
|
29,564.94
|
27,202.51
|
25,050.87
|
22,932.21
|
21,025.64
|
|
|
|
|
|
|
Provisions and Contingencies
|
2,692.87
|
2,483.27
|
1,149.97
|
11,719.16
|
18,070.79
|
16,431.18
|
|
|
|
|
|
|
Profit Before Tax
|
27,216.30
|
27,081.67
|
26,052.54
|
13,331.71
|
4,861.42
|
4,594.46
|
|
|
|
|
|
|
Taxes
|
6,613.60
|
9,985.90
|
8,612.91
|
5,002.80
|
1,792.08
|
918.50
|
|
|
|
|
|
|
Profit after Tax
|
20,602.70
|
17,095.77
|
17,439.63
|
8,328.91
|
3,069.34
|
3,675.96
|
|
|
|
|
|
|
Minority Interest
|
-46.84
|
-74.01
|
-72.32
|
-49.95
|
-10.33
|
-46.85
|
|
|
|
|
|
|
Share of Associate
|
1,531.67
|
1,370.93
|
1,112.98
|
828.24
|
289.44
|
231.63
|
|
|
|
|
|
|
Consolidated Profit
|
22,087.53
|
18,392.69
|
18,480.29
|
9,107.20
|
3,348.45
|
3,860.74
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
1,56,346.63
|
1,49,972.22
|
1,33,137.96
|
1,10,386.73
|
1,02,880.50
|
97,581.92
|
|
|
|
|
|
|
Minority Interest
|
-46.84
|
689.53
|
628.43
|
560.77
|
459.38
|
473.46
|
|
|
|
|
|
|
Deposits
|
17,38,907.57
|
17,24,795.42
|
15,77,019.88
|
13,79,225.24
|
12,90,347.07
|
11,54,234.46
|
|
|
|
|
|
|
Borrowings
|
1,04,482.81
|
1,07,558.40
|
1,05,806.55
|
72,585.62
|
70,148.62
|
59,371.67
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
38,337.44
|
50,315.38
|
40,950.81
|
35,877.60
|
29,813.37
|
27,639.62
|
|
|
|
|
|
|
Total Liabilities
|
20,38,742.07
|
20,33,330.95
|
18,57,543.63
|
15,98,635.96
|
14,93,648.94
|
13,39,301.13
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
71,273.23
|
60,882.17
|
64,389.22
|
65,325.13
|
78,213.52
|
86,127.84
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
91,932.19
|
1,03,239.81
|
86,370.36
|
66,075.06
|
79,114.96
|
48,066.04
|
|
|
|
|
|
|
Investments
|
5,18,312.71
|
5,23,514.52
|
5,24,840.31
|
4,46,421.27
|
4,16,913.84
|
3,88,585.82
|
|
|
|
|
|
|
Advances
|
12,54,511.77
|
12,37,980.05
|
10,86,273.14
|
9,41,762.47
|
8,37,458.98
|
7,33,765.83
|
|
|
|
|
|
|
Net Block
|
15,573.19
|
15,625.36
|
13,083.30
|
12,347.84
|
12,083.96
|
10,696.21
|
|
|
|
|
|
|
Other Assets
|
87,138.98
|
92,089.04
|
82,587.30
|
66,704.19
|
69,863.68
|
72,059.39
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
20,38,742.07
|
20,33,330.95
|
18,57,543.63
|
15,98,635.96
|
14,93,648.94
|
13,39,301.13
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
25,635.41
|
22,075.28
|
-27,939.44
|
22,592.09
|
20,032.33
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-609.00
|
-1,577.63
|
-1,506.42
|
-732.47
|
-1,204.38
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
-11,664.01
|
-1,138.26
|
3,517.57
|
1,274.98
|
2,031.50
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
13,362.40
|
19,359.39
|
-25,928.29
|
23,134.60
|
20,859.45
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
19.22
|
16.00
|
16.08
|
8.27
|
3.04
|
3.51
|
|
|
|
|
|
|
Cash EPS (₹)
|
19.22
|
15.99
|
16.01
|
8.39
|
3.61
|
4.15
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
127.02
|
121.47
|
108.61
|
92.71
|
85.76
|
82.22
|
|
|
|
|
|
|
Dividend per Share (₹)
|
2.57
|
3.00
|
2.90
|
1.50
|
0.65
|
0.64
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
22.31
|
19.21
|
-25.37
|
20.52
|
18.19
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
8.12
|
12.13
|
-43.20
|
-0.79
|
1.06
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
10.56
|
11.42
|
11.58
|
10.37
|
10.39
|
|
|
|
|
|
|
Yield on Investments
|
--
|
7.57
|
6.69
|
6.82
|
6.52
|
7.04
|
|
|
|
|
|
|
Interest Spread
|
--
|
5.76
|
6.62
|
6.86
|
6.56
|
6.53
|
|
|
|
|
|
|
NIM (%)
|
--
|
2.22
|
2.46
|
2.67
|
2.48
|
2.34
|
|
|
|
|
|
|
ROE (%)
|
14.47
|
12.93
|
15.37
|
8.48
|
3.32
|
4.18
|
|
|
|
|
|
|
ROA (%)
|
1.05
|
0.88
|
1.01
|
0.54
|
0.22
|
0.28
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
51.84
|
54.48
|
53.49
|
51.48
|
49.36
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
3.41
|
5.45
|
13.70
|
25.58
|
13.91
|
-6.95
|
|
|
|
|
|
|
EBIT Growth (%)
|
27.79
|
8.68
|
8.59
|
9.24
|
9.07
|
-7.98
|
|
|
|
|
|
|
Net Profit Growth (%)
|
-1.10
|
-1.97
|
109.39
|
171.36
|
-16.50
|
70.78
|
|
|
|
|
|
|
EPS Growth (%)
|
32.86
|
-0.47
|
94.41
|
171.98
|
-13.27
|
43.40
|
|
|
|
|
|
|
Book Value Growth (%)
|
--
|
11.84
|
22.28
|
8.11
|
4.30
|
6.09
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
6.07
|
6.28
|
5.98
|
15.03
|
15.36
|
10.00
|
|
|
|
|
|
|
Price / Book Value
|
0.92
|
0.83
|
0.89
|
1.34
|
0.54
|
0.43
|
|
|
|
|
|
|
Dividend Yield (%)
|
2.57
|
2.98
|
3.02
|
1.21
|
1.39
|
1.83
|
|
|
|
|
|
|
EV/EBITDA
|
6.04
|
7.55
|
7.95
|
8.36
|
5.30
|
4.66
|
|
|
|
|
|
|
Close Price (₹)
|
106.69
|
100.56
|
96.13
|
124.40
|
46.60
|
35.05
|
|
|
|
|
|
|
High Price (₹)
|
135.15
|
135.15
|
142.90
|
133.00
|
62.05
|
48.20
|
|
|
|
|
|
|
Low Price (₹)
|
98.50
|
89.45
|
85.46
|
44.60
|
28.05
|
31.50
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
1,34,065.18
|
1,15,563.30
|
1,10,480.38
|
1,36,919.67
|
51,429.78
|
38,593.54
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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