PNB
Punjab National Bank (PNB) Stock Analysis
Punjab National Bank is a major public sector bank offering retail, corporate, and international banking across India. It provides loans, deposits, payments, and government scheme banking through a large branch network. The bank is among the country's systemically important lenders. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹116.30
-0.58% 1W | -0.90% 52W
Market Cap
133.7k CR
P/E Ratio
6.1
52W High
₹135.2
52W Low
₹98.5
Div. Yield
2.61%
Beta
0.5
50 DMA
₹115.7
200 DMA
₹113.6
Profit Margin
38.1%
Inst. Own.
18.8%
🔥 APPROACHING RESISTANCE
🔥 APPROACHING RESISTANCE
Fundamentals
Profit & Loss
| Metric | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 26,858 | 27,852 | 28,682 | 29,145 | 30,447 | 31,895 | 32,523 | 32,572 | 32,513 | 32,889 | 32,798 | 33,589 | 35,267 |
| Interest | 16,820 | 17,444 | 18,206 | 18,536 | 19,790 | 20,738 | 21,640 | 21,828 | 21,858 | 22,164 | 22,219 | 22,583 | 23,464 |
| Expenses | 10,259 | 9,449 | 9,831 | 8,473 | 8,592 | 7,494 | 9,142 | 9,197 | 8,299 | 9,298 | 7,518 | 8,262 | 7,839 |
| Financing Profit | -221 | 959 | 646 | 2,136 | 2,065 | 3,663 | 1,742 | 1,547 | 2,356 | 1,426 | 3,061 | 2,743 | 3,964 |
| Financing Margin % | -1% | 3% | 2% | 7% | 7% | 11% | 5% | 5% | 7% | 4% | 9% | 8% | 11% |
| Other Income | 2,999 | 2,676 | 4,294 | 3,615 | 4,664 | 3,392 | 4,776 | 5,427 | 4,171 | 5,013 | 4,080 | 4,365 | 3,524 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2,778 | 3,634 | 4,940 | 5,751 | 6,729 | 7,055 | 6,518 | 6,973 | 6,527 | 6,440 | 7,141 | 7,108 | 7,488 |
| Tax % | 36% | 38% | 37% | 35% | 34% | 34% | 29% | 74% | 26% | 19% | 27% | 25% | 26% |
| Net Profit | 1,990 | 2,441 | 3,363 | 3,991 | 4,739 | 4,811 | 5,011 | 2,167 | 5,121 | 5,577 | 5,602 | 5,835 | 5,918 |
| EPS in Rs | 1.81 | 2.21 | 3.04 | 3.61 | 4.10 | 4.18 | 4.34 | 1.84 | 4.46 | 4.83 | 4.87 | 5.06 | 5.13 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 48,710 | 50,804 | 48,058 | 48,725 | 52,147 | 54,918 | 81,935 | 76,242 | 86,845 | 109,065 | 124,010 | 130,772 | 134,543 |
| Interest | 31,343 | 34,331 | 32,722 | 33,530 | 34,656 | 36,997 | 50,805 | 46,823 | 51,817 | 68,534 | 80,704 | 88,069 | 90,431 |
| Expenses | 18,760 | 27,453 | 22,533 | 43,345 | 39,645 | 25,867 | 38,601 | 36,026 | 41,502 | 39,623 | 32,743 | 33,031 | 32,917 |
| Financing Profit | -1,394 | -10,980 | -7,197 | -28,151 | -22,153 | -7,946 | -7,470 | -6,607 | -6,473 | 908 | 10,563 | 9,672 | 11,195 |
| Financing Margin % | -3% | -22% | -15% | -58% | -42% | -14% | -9% | -9% | -7% | 1% | 9% | 7% | 8% |
| Other Income | 6,175 | 6,100 | 9,168 | 8,883 | 7,367 | 9,388 | 12,777 | 12,329 | 12,529 | 14,158 | 17,560 | 20,062 | 16,982 |
| Depreciation | 384 | 413 | 430 | 581 | 584 | 614 | 982 | 896 | 905 | 906 | 958 | 1,281 | 0 |
| Profit before tax | 4,397 | -5,293 | 1,540 | -19,849 | -15,370 | 827 | 4,325 | 4,826 | 5,151 | 14,160 | 27,166 | 28,453 | 28,177 |
| Tax % | 24% | -31% | 41% | -37% | -35% | 56% | 38% | 19% | 35% | 35% | 32% | 35% | |
| Net Profit | 3,525 | -3,510 | 1,239 | -12,111 | -9,550 | 485 | 2,695 | 3,908 | 3,359 | 9,157 | 18,553 | 18,467 | 22,932 |
| EPS in Rs | 18.33 | -18.79 | 5.58 | -43.88 | -20.79 | 0.65 | 2.45 | 3.51 | 3.04 | 8.27 | 16.08 | 16.00 | 19.89 |
| Dividend Payout % | 18% | -2% | 0% | 0% | 0% | 0% | 0% | 18% | 21% | 18% | 18% | 19% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 15.0% | 10.0% | 10.0% |
| Profit CAGR | 76.0% | 48.0% | 21.0% |
Shareholding Pattern
Promoters70.08%
FIIs5.67%
DIIs15.54%
Public8.70%
Promoters70.08%
FIIs5.93%
DIIs16.09%
Public7.91%
Promoters70.08%
FIIs6.39%
DIIs16.05%
Public7.48%
Promoters70.08%
FIIs5.93%
DIIs16.06%
Public7.91%
Promoters70.08%
FIIs6.66%
DIIs16.14%
Public7.13%
Promoters73.15%
FIIs1.71%
DIIs13.53%
Public11.61%
Promoters73.15%
FIIs4.82%
DIIs12.37%
Public9.67%
Promoters70.08%
FIIs5.71%
DIIs14.67%
Public9.54%
Promoters70.08%
FIIs6.39%
DIIs16.05%
Public7.48%
Promoters70.08%
FIIs6.66%
DIIs16.14%
Public7.13%
PNB
Holdings Analysis
Key strengths & risk signals
74
Overall
85
Fundamental
64
Technical
Risks (2)
WEAK YEAR! Stock declined 0.9% in the last year.
WEAK MOMENTUM! Limited price growth - -0.6% (1 week), -0.4% (1 month), 10.0% (3 months).
Strengths (4)
EXCELLENT EFFICIENCY! 38.1% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (115.7) is above 200-day average (113.6) - positive signal.
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
STRONG POSITION! Current price (116.3) is above both moving averages.
Fundamental & Technical Analysis
74Overall
85Fundamental
64Technical
Fundamental Breakdown
Growth Quality
23/30
Revenue CAGR: 10.0% (MODERATE, 8/15). Profit CAGR: 76.4% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 38.1% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.08 indicates stock is cheap relative to growth.
Dividend Yield
6/10
MODERATE DIVIDEND! 2.61% yield - some income benefit.
Debt to Equity
6/10
MODERATE DEBT! D/E of 0.54 - acceptable leverage.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 11.57% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (115.7) is above 200-day average (113.6) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (116.3) is above both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
3/10
WEAK YEAR! Stock declined 0.9% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 15 up days, 15 down days. Avg volume on up days: 14,987,923 vs down days: 12,528,636. Ratio: 1.2x
RSI
3/5
NEUTRAL! RSI at 52.7 - balanced momentum.
52W Range
3/5
MID RANGE! Trading at 48.5% of 52W range - neutral zone.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - -0.6% (1 week), -0.4% (1 month), 10.0% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
PNB
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-24 | Concall PDF | |
| Q2FY262026-01-27 | Concall PDF | |
| Q1FY262025-10-27 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PNB | ₹116.30 | 6.1 | 38.1% | 10.0% | 76.4% | -0.9% | 74 | APPROACHING RESISTANCE | +174.3% | +4.0% | -4.9% | +4.9% |
| UNIONBANK | ₹168.00 | 6.2 | 40.5% | 7.6% | 31.7% | +22.6% | 75 | BREAKDOWN | +27.4% | +2.5% | +9.5% | -1.4% |
| BANKBARODA | ₹230.40 | 6.6 | 27.4% | 10.3% | 10.0% | -13.8% | 62 | APPROACHING SUPPORT | -48.6% | -69.3% | +10.6% | +4.2% |
| INDIANB | ₹854.10 | 8.7 | 36.4% | 10.4% | 28.1% | +6.7% | 73 | CONSOLIDATING DOWN | +47.5% | +5.8% | +15.1% | +4.6% |
| CANBK | ₹118.30 | 5.3 | 46.5% | 5.0% | 20.5% | -6.7% | 68 | APPROACHING SUPPORT | +62.2% | +13.3% | -12.8% | +16.8% |
| IDBI | ₹84.10 | 9.7 | 48.6% | 7.9% | 35.5% | -9.0% | 70 | APPROACHING RESISTANCE | +5.3% | +6.0% | -1.4% | +7.5% |
| FEDERALBNK | ₹338.00 | 18.1 | 30.7% | 16.6% | 11.1% | +56.2% | 77 | BREAKOUT | +36.8% | -6.3% | +16.7% | -6.9% |
| AUBANK | ₹989.40 | 26.1 | 25.6% | 30.4% | 22.8% | +25.2% | 77 | CONSOLIDATING DOWN | +37.0% | -4.3% | +18.5% | +2.2% |
Data from TradeAlone · Updated daily
PNB News
Punjab National Bank (PNB) Q2 FY27 Results: Net Profit Up 12.8% to ₹5,532 Crore2026-10-16Punjab National Bank (NSE: PNB) nears resistance, gains 5% intraday2026-07-21Punjab National Bank (PNB) gains 5% intraday, nears resistance2026-07-20Punjab National Bank (PNB) Q1 FY27: Net Profit Surges 213.6% to ₹5,253 Crore2026-07-18Punjab National Bank Reports 14.4% Yoy Profit Growth in Q4 Fy 20262026-05-05PNB Reports ₹16,904 Crore Net Profit for FY’26 With 1.6% Growth2026-05-05
