Punjab National Bank
PNB
Banks
₹ 107.31
Price
₹ 123,342
Market Cap
Large Cap
7.42
P/E Ratio
📊 Score Snapshot
4.35 / 25
Performance
25 / 25
Valuation
1.43 / 20
Growth
7.0 / 30
Profitability
37.78 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 13.60 | -42.24 | -0.85 | 0.91 | -21.46 | -40.10 | -123.05 | -73.81 |
| Adj Cash PAT | 15,699 | -46,463 | -928.04 | 1,048 | -22,310 | -26,972 | -56,621 | -20,374 |
| Adj Cash PAT To PAT | 0.85 | -5.07 | -0.28 | 0.27 | -8.30 | -55.61 | 5.94 | 1.68 |
| Adj Cash PE | 7.08 | - | - | 40.50 | - | - | - | - |
| Adj EPS | 16.08 | 8.27 | 3.04 | 3.52 | 2.44 | 0.65 | -20.77 | -43.87 |
| Adj Number Of Shares | 1,149 | 1,101 | 1,101 | 1,100 | 1,046 | 673.85 | 460.32 | 276.05 |
| Adj PE | 5.99 | 16.51 | 15.32 | 10.36 | 15.57 | 45.62 | - | - |
| Adj Peg | 0.06 | 0.10 | - | 0.23 | 0.06 | - | - | - |
| Bvps | 116.39 | 100.75 | 93.83 | 89.14 | 88.96 | 95.33 | 100.74 | 151.52 |
| Cash Revenue | 124,010 | 218,130 | 173,690 | 152,484 | 163,870 | 109,836 | 104,294 | 97,450 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 3.01 | 1.09 | 1.37 | 1.74 | - | - | - | - |
| Fcfe | 13,646 | -39,962 | 3,707 | 3,194 | -18,610 | -27,886 | -59,030 | -21,657 |
| Fcfe Margin | 11.00 | -18.32 | 2.13 | 2.09 | -11.36 | -25.39 | -56.60 | -22.22 |
| Fcfe To Adj PAT | 0.74 | -4.36 | 1.10 | 0.82 | -6.93 | -57.50 | 6.19 | 1.79 |
| Market Cap | 110,604 | 150,370 | 51,322 | 39,985 | 39,946 | 19,980 | 42,856 | 28,199 |
| PB | 0.83 | 1.36 | 0.50 | 0.41 | 0.43 | 0.31 | 0.92 | 0.67 |
| PE | 5.99 | 16.51 | 15.33 | 10.36 | 15.59 | 45.62 | - | - |
| Peg | 0.06 | 0.10 | - | 0.24 | 0.06 | - | - | - |
| PS | 0.89 | 0.69 | 0.30 | 0.26 | 0.24 | 0.18 | 0.41 | 0.29 |
| ROE | 15.17 | 8.55 | 3.34 | 4.10 | 3.42 | 0.88 | -21.63 | -28.15 |
| Share Price | 96.24 | 136.55 | 46.60 | 36.35 | 38.20 | 29.65 | 93.10 | 102.15 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 32,513 | 32,572 | 32,523 | 63,790 | 60,894 | 58,290 | 57,364 | 55,704 | 53,716 | 51,346 | 48,610 | 45,616 | 41,176 | 38,288 |
| Interest | 21,858 | 21,828 | 21,640 | 20,738 | 19,790 | 18,536 | 18,206 | 17,444 | 16,820 | 16,064 | 14,690 | 13,513 | 12,172 | 11,443 |
| Expenses - | 8,299 | 9,197 | 9,142 | 7,494 | 8,592 | 8,473 | 9,831 | 9,449 | 10,259 | 10,990 | 10,813 | 11,578 | 10,493 | 9,523 |
| Financing Profit | 2,356 | 1,547 | 1,742 | 3,663 | 2,065 | 2,136 | 646.00 | 959.00 | -221.00 | -1,381 | -1,197 | -2,282 | -2,077 | -1,822 |
| Financing Margin % | 7.25 | 4.75 | 5.36 | 5.74 | 3.39 | 3.66 | 1.13 | 1.72 | -0.41 | -2.69 | -2.46 | -5.00 | -5.04 | -4.76 |
| Other Income - | 4,171 | 5,427 | 4,776 | 3,392 | 4,664 | 3,615 | 4,294 | 2,676 | 2,999 | 3,360 | 3,827 | 3,325 | 2,704 | 2,384 |
| Profit Before Tax | 6,527 | 6,973 | 6,518 | 7,055 | 6,729 | 5,751 | 4,940 | 3,634 | 2,778 | 1,979 | 2,630 | 1,043 | 626.00 | 562.00 |
| Tax % | 21.54 | 68.92 | 23.12 | 31.81 | 29.57 | 30.60 | 31.92 | 32.83 | 28.37 | 31.13 | 28.67 | 31.45 | 20.77 | 51.78 |
| Net Profit - | 5,121 | 2,167 | 5,011 | 4,811 | 4,739 | 3,991 | 3,363 | 2,441 | 1,990 | 1,363 | 1,876 | 715.00 | 496.00 | 271.00 |
| Profit From Associates | 272.00 | 335.00 | 368.00 | 162.00 | 307.00 | 275.00 | 262.00 | 189.00 | 225.00 | 152.00 | 135.00 | 55.00 | 132.00 | -33.00 |
| Minority Share | 5.00 | -47.00 | -22.00 | -10.00 | -25.00 | -16.00 | -21.00 | -8.00 | - | -21.00 | -12.00 | -7.00 | -2.00 | 10.00 |
| Profit Excl Exceptional | 5,121 | 2,167 | 5,011 | 4,811 | 4,739 | 3,991 | 3,363 | 2,441 | 1,990 | 1,363 | 1,876 | 715.00 | 496.00 | 271.00 |
| Profit For PE | 5,125 | 2,120 | 4,989 | 4,801 | 4,714 | 3,976 | 3,342 | 2,433 | 1,990 | 1,342 | 1,864 | 708.00 | 494.00 | 271.00 |
| Profit For EPS | 5,125 | 2,120 | 4,989 | 4,801 | 4,714 | 3,976 | 3,342 | 2,433 | 1,990 | 1,342 | 1,864 | 708.00 | 494.00 | 282.00 |
| EPS In Rs | 4.46 | 1.84 | 4.34 | 4.18 | 4.10 | 3.61 | 3.04 | 2.21 | 1.81 | 1.22 | 1.69 | 0.64 | 0.45 | 0.26 |
| PAT Margin % | 15.75 | 6.65 | 15.41 | 7.54 | 7.78 | 6.85 | 5.86 | 4.38 | 3.70 | 2.65 | 3.86 | 1.57 | 1.20 | 0.71 |
| PBT Margin | 20.08 | 21.41 | 20.04 | 11.06 | 11.05 | 9.87 | 8.61 | 6.52 | 5.17 | 3.85 | 5.41 | 2.29 | 1.52 | 1.47 |
| Tax | 1,406 | 4,806 | 1,507 | 2,244 | 1,990 | 1,760 | 1,577 | 1,193 | 788.00 | 616.00 | 754.00 | 328.00 | 130.00 | 291.00 |
| Yoy Profit Growth % | 9.00 | -47.00 | 49.00 | 97.00 | 137.00 | 196.00 | 79.00 | 243.00 | 303.00 | 395.00 | 451.00 | -43.00 | -55.00 | -77.00 |
| Adj PAT | 5,121 | 2,167 | 5,011 | 4,811 | 4,739 | 3,991 | 3,363 | 2,441 | 1,990 | 1,363 | 1,876 | 715.00 | 496.00 | 271.00 |
| Adj PAT Margin | 15.75 | 6.65 | 15.41 | 7.54 | 7.78 | 6.85 | 5.86 | 4.38 | 3.70 | 2.65 | 3.86 | 1.57 | 1.20 | 0.71 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 124,010 | 218,130 | 173,690 | 152,484 | 163,870 | 109,836 | 104,294 | 97,450 | 96,116 | 101,608 | 97,420 | 89,916 |
| Interest | 80,704 | 68,534 | 51,817 | 46,823 | 50,805 | 36,997 | 34,656 | 33,530 | 32,722 | 34,331 | 31,343 | 28,220 |
| Expenses - | 33,893 | 39,623 | 41,502 | 36,026 | 38,601 | 25,867 | 39,645 | 43,345 | 22,533 | 27,453 | 18,760 | 16,112 |
| Financing Profit | 9,413 | 908.00 | -6,473 | -6,607 | -7,470 | -7,946 | -22,153 | -28,151 | -7,197 | -10,980 | -1,394 | 626.00 |
| Financing Margin % | 7.59 | 0.42 | -3.73 | -4.33 | -4.56 | -7.23 | -21.24 | -28.89 | -7.49 | -10.81 | -1.43 | 0.70 |
| Other Income - | 17,556 | 14,151 | 12,526 | 12,315 | 12,790 | 9,388 | 7,349 | 8,881 | 9,162 | 6,097 | 6,172 | 4,706 |
| Exceptional Items | 4.00 | 7.00 | 3.00 | 14.00 | -13.00 | - | 18.00 | 3.00 | 5.00 | 2.00 | 3.00 | 5.00 |
| Depreciation | 958.00 | 906.00 | 905.00 | 896.00 | 982.00 | 614.00 | 584.00 | 581.00 | 430.00 | 413.00 | 384.00 | 367.00 |
| Profit Before Tax | 26,015 | 14,160 | 5,151 | 4,826 | 4,325 | 827.00 | -15,370 | -19,849 | 1,540 | -5,293 | 4,397 | 4,969 |
| Tax % | 28.68 | 35.33 | 34.79 | 19.02 | 37.69 | 41.35 | 37.87 | 38.98 | 19.55 | 33.69 | 19.83 | 26.06 |
| Net Profit - | 18,553 | 9,157 | 3,359 | 3,908 | 2,695 | 485.00 | -9,550 | -12,111 | 1,239 | -3,510 | 3,525 | 3,674 |
| Profit From Associates | - | - | - | - | - | 122.00 | 476.00 | 473.00 | 338.00 | 153.00 | 184.00 | 139.00 |
| Minority Share | -72.00 | -50.00 | -10.00 | -47.00 | -133.00 | -46.00 | -20.00 | -2.00 | -52.00 | -180.00 | -126.00 | -57.00 |
| Exceptional Items At | 3.00 | 4.00 | 2.00 | 14.00 | -13.00 | - | 18.00 | 3.00 | 5.00 | 2.00 | 3.00 | 3.00 |
| Profit Excl Exceptional | 18,550 | 9,153 | 3,357 | 3,893 | 2,707 | 485.00 | -9,568 | -12,114 | 1,234 | -3,512 | 3,522 | 3,671 |
| Profit For PE | 18,477 | 9,103 | 3,347 | 3,847 | 2,574 | 438.00 | -9,568 | -12,114 | 1,182 | -3,512 | 3,397 | 3,614 |
| Profit For EPS | 18,480 | 9,107 | 3,348 | 3,861 | 2,562 | 438.00 | -9,570 | -12,113 | 1,187 | -3,690 | 3,400 | 3,617 |
| EPS In Rs | 16.08 | 8.27 | 3.04 | 3.51 | 2.45 | 0.65 | -20.79 | -43.88 | 5.58 | -18.79 | 18.33 | 19.98 |
| Dividend Payout % | 18.00 | 18.00 | 21.00 | 18.00 | - | - | - | - | - | -2.00 | 18.00 | 10.00 |
| PAT Margin % | 14.96 | 4.20 | 1.93 | 2.56 | 1.64 | 0.44 | -9.16 | -12.43 | 1.29 | -3.45 | 3.62 | 4.09 |
| PBT Margin | 20.98 | 6.49 | 2.97 | 3.16 | 2.64 | 0.75 | -14.74 | -20.37 | 1.60 | -5.21 | 4.51 | 5.53 |
| Tax | 7,462 | 5,003 | 1,792 | 918.00 | 1,630 | 342.00 | -5,820 | -7,738 | 301.00 | -1,783 | 872.00 | 1,295 |
| Adj PAT | 18,556 | 9,162 | 3,361 | 3,919 | 2,687 | 485.00 | -9,539 | -12,109 | 1,243 | -3,509 | 3,527 | 3,678 |
| Adj PAT Margin | 14.96 | 4.20 | 1.94 | 2.57 | 1.64 | 0.44 | -9.15 | -12.43 | 1.29 | -3.45 | 3.62 | 4.09 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 10,279 | 12,096 | - | 11,189 | 10,287 | 9,392 | 5,141 | 4,729 | 4,300 |
| Average Total Assets | - | 1,728,090 | 1,546,142 | - | 1,416,475 | 1,309,513 | 1,065,591 | 820,788 | 783,824 | 755,420 |
| Average Total Equity | - | 122,357 | 107,144 | - | 100,697 | 95,538 | 78,630 | 55,306 | 44,100 | 43,012 |
| Borrowing | 109,162 | 105,807 | 72,586 | - | 70,149 | 59,372 | 52,298 | 62,512 | 46,828 | 65,330 |
| Cash Equivalents | 65,250 | 61,154 | 61,772 | - | 74,478 | 82,614 | 40,769 | 35,842 | 30,472 | 26,909 |
| Deposits | 1,629,131 | 1,577,020 | 1,379,225 | - | 1,290,347 | 1,154,234 | 1,113,717 | 710,254 | 681,874 | 648,439 |
| Fixed Assets | 15,624 | 13,083 | 12,348 | - | 12,084 | 10,696 | 11,049 | 7,262 | 6,246 | 6,371 |
| Gross Block | - | 23,363 | 24,444 | - | 23,273 | 20,983 | 20,441 | 12,403 | 10,976 | 10,671 |
| Investments | 531,967 | 524,840 | 446,421 | - | 416,914 | 388,586 | 404,369 | 253,782 | 210,578 | 204,419 |
| Loans N Advances | 1,144,448 | 9,373 | 11,062 | - | 13,172 | 12,030 | 10,001 | 3,533 | 3,231 | 2,852 |
| Long Term Borrowings | - | - | - | - | - | - | - | 62,512 | 46,828 | 65,330 |
| Net Debt | -597,217 | -585,994 | 943,618 | - | 869,104 | 742,406 | 720,877 | 483,143 | 487,652 | 482,441 |
| Non Controlling Interest | 658.00 | 628.00 | 561.00 | - | 459.00 | 473.00 | 487.00 | 361.00 | 288.00 | 309.00 |
| Other Asset Items | 163,646 | 1,249,093 | 1,067,033 | - | 977,001 | 845,375 | 813,537 | 551,038 | 539,593 | 536,978 |
| Other Borrowings | - | - | 1,451,811 | - | 1,360,496 | 1,213,606 | 1,166,015 | 710,254 | 681,874 | 648,439 |
| Other Liability Items | 39,737 | 36,520 | 32,516 | - | 26,095 | 24,558 | 17,469 | 12,629 | 12,999 | 19,500 |
| Reserves | 139,948 | 130,839 | 108,185 | - | 100,678 | 95,380 | 90,439 | 62,529 | 45,164 | 40,965 |
| Share Capital | 2,299 | 2,299 | 2,202 | 2,202 | 2,202 | 2,202 | 2,096 | 1,348 | 921.00 | 552.00 |
| Total Assets | 1,920,935 | 1,857,544 | 1,598,636 | - | 1,493,649 | 1,339,301 | 1,279,725 | 851,457 | 790,120 | 777,528 |
| Total Borrowings | - | - | 1,451,811 | - | 1,360,496 | 1,213,606 | 1,166,015 | 772,767 | 728,702 | 713,769 |
| Total Equity | 142,905 | 133,766 | 110,948 | 2,202 | 103,339 | 98,055 | 93,022 | 64,238 | 46,373 | 41,826 |
| Total Equity And Liabilities | 1,920,935 | 1,857,544 | 1,598,636 | - | 1,493,649 | 1,339,301 | 1,279,725 | 851,457 | 790,120 | 777,528 |
| Total Liabilities | 1,778,030 | 1,723,778 | 1,487,688 | -2,202 | 1,390,310 | 1,241,246 | 1,186,703 | 787,219 | 743,747 | 735,702 |
| Trade Payables | - | 4,431 | 3,361 | - | 3,719 | 3,082 | 3,220 | 1,824 | 2,046 | 2,433 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | -1,138 | 3,518 | 1,275 | 2,032 | 5,415 | 13,591 | 13,969 | 7,460 |
| Cash From Investing Activity | -1,578 | -1,506 | -732.00 | -1,204 | -787.00 | -338.00 | -629.00 | 392.00 |
| Cash From Operating Activity | 22,075 | -27,939 | 22,592 | 20,032 | 30,950 | -12,793 | -33,532 | -1,742 |
| Cash Paid For Acquisition Of Companies | - | - | - | - | - | - | -338.00 | - |
| Cash Paid For Investment In Subsidaries And Associates | - | -363.00 | -180.00 | -668.00 | - | - | - | - |
| Cash Paid For Loan Advances | -146,654 | -116,625 | -118,493 | -68,538 | 4,879 | -29,243 | -48,883 | -39,447 |
| Cash Paid For Purchase Of Fixed Assets | -1,601 | -1,175 | -552.00 | -536.00 | -787.00 | -338.00 | -440.00 | -652.00 |
| Cash Paid For Redemption And Cancellation Of Shares | - | - | - | - | - | - | - | 904.00 |
| Cash Paid For Redemption Of Debentures | -1,426 | - | - | - | - | -1,190 | -2,215 | -1,212 |
| Cash Receipts From Deposits | 1,577,020 | 1,379,225 | 1,290,347 | 1,154,234 | 1,113,717 | 710,254 | 681,874 | 648,439 |
| Cash Received From Issue Of Debentures | - | 7,102 | 4,462 | 2,454 | 3,505 | - | - | - |
| Cash Received From Issue Of Shares | 4,988 | - | - | 1,793 | 3,777 | 16,091 | 14,810 | 10,486 |
| Cash Received From Sale Of Fixed Assets | 16.00 | 31.00 | - | - | - | - | - | - |
| Cash Received From Sale Of Investments | 8.00 | - | - | - | - | - | - | - |
| Change In Other Working Capital Items | -53,999 | -27,877 | -21,909 | 25,150 | -65,622 | -26,594 | -31,634 | 12,393 |
| Change In Payables | - | - | - | - | - | - | - | - |
| Change In Working Capital | -2,857 | -55,625 | -4,289 | -2,871 | -24,997 | -27,457 | -47,082 | -8,265 |
| Direct Taxes Paid | -5,117 | -1,875 | -1,204 | -1,629 | -314.00 | -2,198 | -30.00 | -1,782 |
| Dividends Paid | -1,652 | -716.00 | -705.00 | - | - | -30.00 | -7.00 | -7.00 |
| Dividends Received | - | - | - | - | - | - | 149.00 | 140.00 |
| Interest Paid | -3,116 | -2,970 | -2,468 | -2,202 | -1,993 | -1,353 | - | -1,807 |
| Investment Income | - | - | - | - | - | - | - | - |
| Net Cash Flow | 19,359 | -25,928 | 23,135 | 20,859 | 35,579 | 460.00 | -20,192 | 6,109 |
| Operating Deposits | 197,795 | 88,878 | 136,113 | 40,518 | 35,746 | 28,380 | 33,435 | 18,788 |
| Other Cash Financing Items Paid | 68.00 | 101.00 | -14.00 | -13.00 | 126.00 | 73.00 | 1,380 | - |
| Other Cash Operating Items Paid | - | - | - | - | 29,711 | - | - | - |
| Profit From Operations | 30,049 | 29,560 | 28,086 | 24,532 | 26,551 | 16,862 | 13,580 | 8,305 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Pnb | 2025-09-30 | - | 5.67 | 15.54 | 8.70 | 0.00 |
| Pnb | 2025-06-30 | - | 5.52 | 15.06 | 9.34 | 0.00 |
| Pnb | 2025-03-31 | - | 5.71 | 14.67 | 9.54 | 0.00 |
| Pnb | 2024-12-31 | - | 5.70 | 14.31 | 9.91 | 0.00 |
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