Punjab National Bank Key Ratios
NSE: PNB | BSE: 532461
₹120.37
₹-2.13
(-1.74%)
As on 23-Oct-2026IST
Market cap
₹1,38,318 Cr
Revenue (TTM)
₹1,34,543 Cr
P/E Ratio
6.1
P/B Ratio
0.9
Div. Yield
2.5 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Interest Income | 5.00 | 8.47 | 3.89 | 10.53 | 11.73 |
| Interest Expended | 3.90 | 7.35 | 5.07 | 13.97 | 13.63 |
| Net Interest Income | 7.24 | 10.78 | 1.55 | 4.59 | 8.36 |
| EPS | 1.44 | 15.08 | 34.20 | 54.80 | 41.99 |
| Book Value | -- | -- | 11.84 | 12.31 | 8.32 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Mar-26 | Mar-25 |
| Net NPAs
| 0.47 | -- | 0.00 | -- | -- |
| Net Interest Margin
| 2.47 | 2.43 | 0.00 | 2.22 | 2.46 |
| Net Margin
| 10.13 | 7.58 | 14.07 | 11.44 | 12.42 |
| Return on equity
| 12.49 | 8.86 | 14.70 | 12.93 | 15.37 |
| Return on Assets
| 0.81 | 0.58 | 1.05 | 0.88 | 1.01 |
Income Statement
Provisions and Contingencies
--
--
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
--
|
5,133.40
|
7,469.83
|
18,217.40
|
18,660.80
|
19,938.02
|
|
|
|
|
|
|
Peer Median
|
Profitability
Yield on Advances
--
--
Interest Earned as per cent of total advances
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
--
|
10.56
|
11.42
|
11.58
|
10.37
|
10.39
|
|
|
|
|
|
|
Peer Median
|
Yield on Investments
--
--
(Interest on investments + net profit on investments) / total investments
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
--
|
7.57
|
6.69
|
6.82
|
6.52
|
7.04
|
|
|
|
|
|
|
Peer Median
|
Interest Spread
--
--
[Interest Earned / Advances * 100] - [ Interest expended / (borrowings + deposits) * 100]
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
--
|
5.76
|
6.62
|
6.86
|
6.56
|
6.53
|
|
|
|
|
|
|
Peer Median
|
NIM
--
--
(Interest earned - Interest expended) / (Cash and balance with RBI + Bank call money + Investments + Advances) * 100
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
--
|
2.22
|
2.46
|
2.67
|
2.48
|
2.34
|
|
|
|
|
|
|
Peer Median
|
ROE
14.70
Higher than Peers by 1.45
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
14.70
|
12.93
|
15.37
|
8.48
|
3.32
|
4.18
|
|
|
|
|
|
|
Peer Median
|
13.25
|
13.25
|
15.04
|
--
|
9.75
|
7.62
|
|
|
|
|
|
ROA
1.05
Lower than Peers by 0.07
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
1.05
|
0.88
|
1.01
|
0.54
|
0.22
|
0.28
|
|
|
|
|
|
|
Peer Median
|
1.12
|
1.13
|
1.16
|
--
|
0.61
|
0.50
|
|
|
|
|
|
Cost to Income Ratio
--
--
Operating expenses / (Interest earned - Interest Expended + Other Income) * 100
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
--
|
51.84
|
54.48
|
53.49
|
51.48
|
49.36
|
|
|
|
|
|
|
Peer Median
|
Revenue Growth
3.89
Lower than Peers by 9.07
Year on year growth in net sales
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
3.89
|
5.45
|
13.70
|
25.58
|
13.91
|
-6.95
|
|
|
|
|
|
|
Peer Median
|
12.96
|
9.62
|
13.29
|
--
|
9.52
|
-1.43
|
|
|
|
|
|
EBIT Growth
30.13
--
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
30.13
|
8.68
|
8.59
|
9.24
|
9.07
|
-7.98
|
|
|
|
|
|
|
Peer Median
|
Net Profit Growth
1.55
Lower than Peers by 18.21
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
1.55
|
-1.97
|
109.39
|
171.36
|
-16.50
|
70.78
|
|
|
|
|
|
|
Peer Median
|
19.76
|
19.32
|
17.87
|
--
|
55.09
|
85.41
|
|
|
|
|
|
EPS Growth
34.20
Higher than Peers by 20.15
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
34.20
|
-0.47
|
94.41
|
171.98
|
-13.27
|
43.40
|
|
|
|
|
|
|
Peer Median
|
14.04
|
16.81
|
10.58
|
--
|
52.94
|
88.22
|
|
|
|
|
|
Book Value Growth
--
--
Year on year growth in book value per share
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
--
|
11.84
|
22.28
|
8.11
|
4.30
|
6.09
|
|
|
|
|
|
|
Peer Median
|
Valuation
Price / Earnings
6.05
Lower than Peers by 3.22
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
6.05
|
6.28
|
5.98
|
15.03
|
15.36
|
10.00
|
|
|
|
|
|
|
Peer Median
|
9.28
|
9.59
|
9.38
|
--
|
14.71
|
15.90
|
|
|
|
|
|
Price / Book Value
0.92
Lower than Peers by 0.32
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
0.92
|
0.83
|
0.89
|
1.34
|
0.54
|
0.43
|
|
|
|
|
|
|
Peer Median
|
1.24
|
1.19
|
1.38
|
--
|
1.51
|
1.02
|
|
|
|
|
|
Dividend Yield
2.49
Higher than Peers by 1.77
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
2.49
|
2.98
|
3.02
|
1.21
|
1.39
|
1.83
|
|
|
|
|
|
|
Peer Median
|
0.73
|
0.70
|
1.14
|
--
|
0.56
|
--
|
|
|
|
|
|
EV/EBITDA
6.10
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
6.10
|
7.55
|
7.95
|
8.36
|
5.30
|
4.66
|
|
|
|
|
|
|
Peer Median
|
--
|
7.87
|
4.40
|
--
|
1.51
|
-2.36
|
|
|
|
|
|
Market Cap
1,38,318
Higher than Peers by 73,259
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Mar-26
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Punjab National Bank
|
1,38,318
|
1,15,563
|
1,10,480
|
1,36,920
|
51,430
|
38,594
|
|
|
|
|
|
|
Peer Median
|
65,059
|
61,027
|
60,073
|
--
|
36,672
|
30,175
|
|
|
|
|
|
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