Punjab National Bank
PNB · Banking · NSE
₹114
Current Market Price
Fair Value (DCF)
₹136
Margin of Safety
+19.8%
Updated just now
YieldIQ Score
47/100
Piotroski F-Score
4/9
Economic Moat
Moderate
Confidence
90%
ROE
13.8%
Debt/Equity
0.00
WACC
10.5%
Market Cap
₹1.31 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.03×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹113.67
Bear case
₹95.35
MoS -19.2%
Base case
₹136.21
MoS +16.5%
Bull case
₹177.07
MoS +35.8%
Ratio Trends
PNB · last 7 annual periods
ROE
13.8%
ROCE
—
Operating Margin
—
Debt / Equity
0.54×
PE
—
EV / EBITDA
—
Historical Financials
PNB · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | ₹59.8K Cr | +0.0% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | — | — | — | — | ₹18.5K Cr | +0.0% |
| EPS (diluted) | ₹2.64 | ₹3.53 | ₹3.04 | ₹7.49 | — | +29.8% |
| CFO | — | — | — | — | ₹22.1K Cr | +0.0% |
| CapEx | — | — | — | — | ₹-1601 Cr | — |
| FCF | — | — | — | — | ₹20.5K Cr | +0.0% |
| Total Assets | — | ₹1339.3K Cr | ₹1493.6K Cr | ₹1598.6K Cr | ₹1857.5K Cr | +8.5% |
| Total Debt | — | — | — | — | ₹72.0K Cr | +0.0% |
| Shareholders' Equity | — | — | — | — | ₹133.8K Cr | +0.0% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
PNB vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| CANBK CANBK | — | — | Pending | 16.5% | — |
| INDIANB Indian Bank | +40.5% | 73 | Below Fair Value | 15.7% | — |
| UNIONBANK UNIONBANK | — | — | Pending | 15.8% | — |
| BANKBARODA BANKBARODA | — | — | Pending | 14.0% | — |
| IDBI IDBI | — | — | Pending | 12.4% | — |
Click a ticker to view its fair-value analysis.
Dividend History
4 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹5.69/sh
Last payout
2025-06-20
₹2.90
Peak payout
₹2.90
Trailing yield
2.55%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Punjab National Bank (PNB.NS) trades at 113.67 vs a model fair value of 136.21, a gap of 19.8%. Piotroski F-score: 4/9. Moat label: Moder...
Read full AI analysis →Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of PNB →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for PNB →
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Head-to-head with peers
Compare PNB side by side →
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Analyse PNBNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.