Punjab National Bank
PNB · Banking · NSE
₹107
Current Market Price
Fair Value (P/B + Residual Income)
₹129
Discount to FV
+20.8%
Updated just now
YieldIQ Score
65/100
Piotroski F-Score
7/9
Economic Moat
Wide
Confidence
90%
ROE
13.8%
Debt/Equity
0.54
Cost of Equity
10.0%
Market Cap
₹1.23 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
10.0%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹107.17
Bear case
Discount -18.2%
Base case
Discount +17.2%
Bull case
Discount +36.3%
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 | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹41.2K Cr | ₹47.1K Cr | ₹55.3K Cr | ₹59.8K Cr | ₹62.6K Cr | +11.1% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹3861 Cr | ₹3348 Cr | ₹9107 Cr | ₹18.5K Cr | ₹18.4K Cr | +47.7% |
| EPS (diluted) | ₹3.53 | ₹3.04 | ₹8.27 | — | — | +23.7% |
| CFO | ₹20.0K Cr | ₹22.6K Cr | ₹-27.9K Cr | ₹22.1K Cr | ₹25.6K Cr | +6.4% |
| CapEx | ₹-536 Cr | ₹-552 Cr | ₹-1175 Cr | ₹-1601 Cr | ₹-1625 Cr | — |
| FCF | ₹19.5K Cr | ₹22.0K Cr | ₹-29.1K Cr | ₹20.5K Cr | ₹24.0K Cr | +5.3% |
| Total Assets | ₹1339.3K Cr | ₹1493.6K Cr | ₹1598.6K Cr | ₹1857.5K Cr | ₹2033.3K Cr | +11.0% |
| Total Debt | ₹59.4K Cr | ₹70.1K Cr | ₹72.6K Cr | ₹72.0K Cr | ₹86.3K Cr | +9.8% |
| Shareholders' Equity | ₹97.6K Cr | ₹102.9K Cr | ₹110.4K Cr | ₹133.1K Cr | ₹150.0K Cr | +11.3% |
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 | 16.7% | 5.7× |
 INDIANB INDIANB | — | — | Pending | 14.6% | 9.7× |
 UNIONBANK UNIONBANK | — | — | Pending | 15.8% | — |
 BANKBARODA BANKBARODA | — | — | Pending | 12.0% | 6.5× |
 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
2.71%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Punjab National Bank (PNB.NS) trades at 107.17 vs a model fair value of 129.48, a gap of 20.8%. Piotroski F-score: 7/9. Moat label: Wide....
Read full AI analysis →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 →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
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.