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Punjab National Bank (PNB.NS)
New Delhi, IN
Punjab National Bank is an Indian financial institution offering a diverse range of banking and financial services. Its operations are structured across several key segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and other ancillary banking activities. For individual customers, the bank delivers a comprehensive suite of personal banking solutions, including various savings and current account options, fixed and capital gain deposit schemes, and even gold monetization programs. It also extends a wide array of credit facilities, such as home, auto, education, personal, and mortgage loans, alongside various card products. The bank caters to micro, small, and medium enterprises (MSMEs) through specialized schemes, provides banking services to government entities, and supports the agricultural sector with dedicated financial products. Its corporate banking portfolio encompasses services like loans against future lease rentals, working capital finance, term loans, export-import (EXIM) finance, cash management solutions, and even gold card schemes designed for exporters. Additionally, it facilitates international banking services. Beyond traditional banking, Punjab National Bank offers an extensive range of insurance products, covering life, fire, motor, marine, theft/burglary, fidelity guarantee, personal accident, health, travel, and household goods. It further provides investment-related services such as depository, mutual fund, merchant banking, and application supported by blocked amount (ASBA) facilities. To enhance accessibility and convenience, the bank provides modern digital and self-service options including mobile banking, SMS banking, missed call services, e-statements, ATMs, cash deposit machines, passbook updating machines, and electronic cheque deposit machines, in addition to debit cards. As of March 31, 2022, its extensive network comprised 10,098 branches across India, complemented by two international branches located in Hong Kong and Dubai, along with two representative offices in Bangladesh and Myanmar. Established in 1895, the bank maintains its headquarters in New Delhi, India.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.76% | -7.36% | -8.07% | -15.03% | -16.06% | -16.83% | +7.31% | +111.70% | +177.04% | +29.53% | +1,277.75% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 5 | 0 |
| Buy | 5 | +1 |
| Hold | 3 | 0 |
| Sell | 3 | 0 |
| Strong Sell | 3 | +1 |
-
Revenue growth+6.4% Q1'26: -1.1% (vs Q1'25)
-
EPS growth-2.6% Q1'26: +11.3% (vs Q1'25)
-
FCF margin— Q1'26: -129.8% (vs Q1'25)
-
EBIT margin— Q1'26: +19.4% (vs Q1'25)
-
ROIC— Q1'26: +22.2% (vs Q1'25)
-
Share dilution+2.1% Q1'26: +0.7% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 3.77× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2010 actual |
Mar 2011 actual |
Mar 2012 actual |
Mar 2013 actual |
Mar 2014 actual |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 14 Rev. Ana. 16 EPS Ana. |
Mar 2027 14 Rev. Ana. 16 EPS Ana. |
Mar 2028 14 Rev. Ana. 14 EPS Ana. |
Mar 2029 5 Rev. Ana. 5 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
254.36B
est: 118.52B (+114.6%)
|
310.41B
est: 155.87B (+99.2%)
|
414.95B
est: 178.06B (+133.0%)
|
472.69B
est: 195.87B (+141.3%)
|
488.81B
est: 209.15B (+133.7%)
|
548.81B
est: 226.74B (+142.0%)
|
569.01B
est: 228.88B (+148.6%)
|
572.20B
est: 248.69B (+130.1%)
|
576.06B
est: 253.70B (+127.1%)
|
578.67B
est: 255.54B (+126.5%)
|
646.33B
est: 260.04B (+148.5%)
|
944.04B
est: 430.74B (+119.2%)
|
879.77B
est: 421.21B (+108.9%)
|
989.09B
est: 459.62B (+115.2%)
|
1.24T
est: 414.45B (+198.7%)
|
1.40T
est: 586.56B (+139.5%)
|
618.36B
607.08B – 658.53B
+5.4% YoY
|
635.74B
607.19B – 659.78B
+2.8% YoY
|
704.23B
674.01B – 747.65B
+10.8% YoY
|
761.93B
761.88B – 761.97B
+8.2% YoY
|
| EBITDA |
42.08B
est: 11.76B (+257.7%)
|
71.67B
est: 15.47B (+363.3%)
|
77.29B
est: 17.67B (+337.4%)
|
71.43B
est: 19.44B (+267.5%)
|
53.36B
est: 20.76B (+157.1%)
|
37.46B
est: 22.50B (+66.5%)
|
-32.29B
est: 22.71B (-242.2%)
|
13.90B
est: 24.68B (-43.7%)
|
-192.65B
est: 25.18B (-865.2%)
|
-147.71B
est: 144.32B (-202.3%)
|
13.51B
est: 215.15B (-93.7%)
|
53.07B
est: 42.75B (+24.1%)
|
55.86B
est: 41.80B (+33.6%)
|
59.05B
est: 45.61B (+29.5%)
|
149.62B
est: 144.98B (+3.2%)
|
268.48B
est: 205.18B (+30.8%)
|
216.30B
212.36B – 230.36B
+5.4% YoY
|
222.38B
212.40B – 230.79B
+2.8% YoY
|
246.34B
235.77B – 261.53B
+10.8% YoY
|
266.52B
266.51B – 266.54B
+8.2% YoY
|
| EBIT |
38.90B
est: 71.12B (-45.3%)
|
66.94B
est: 78.18B (-14.4%)
|
71.71B
est: 76.47B (-6.2%)
|
67.87B
est: 78.89B (-14.0%)
|
49.69B
est: 72.17B (-31.1%)
|
33.41B
est: 54.72B (-38.9%)
|
-36.63B
est: 44.18B (-182.9%)
|
9.01B
est: -57.86B (+115.6%)
|
-198.46B
est: 15.74B (-1,361.1%)
|
-153.55B
est: -194.43B (+21.0%)
|
8.27B
est: -162.69B (+105.1%)
|
43.25B
est: 11.84B (+265.2%)
|
48.26B
est: 11.84B (+307.6%)
|
51.51B
est: 12.76B (+303.6%)
|
141.60B
est: 141.87B (-0.2%)
|
260.15B
est: 200.42B (+29.8%)
|
211.67B
207.80B – 225.42B
+5.6% YoY
|
217.61B
207.84B – 225.84B
+2.8% YoY
|
241.06B
230.71B – 255.92B
+10.8% YoY
|
260.81B
260.79B – 260.82B
+8.2% YoY
|
| Net Income |
39.73B
est: 46.24B (-14.1%)
|
45.75B
est: 52.24B (-12.4%)
|
50.25B
est: 52.26B (-3.8%)
|
49.54B
est: 55.28B (-10.4%)
|
36.17B
est: 52.68B (-31.3%)
|
34.00B
est: 39.83B (-14.6%)
|
-36.90B
est: 34.16B (-208.0%)
|
11.87B
est: -40.33B (+129.4%)
|
-121.13B
est: 12.13B (-1,098.5%)
|
-95.70B
est: -118.66B (+19.3%)
|
4.38B
est: -101.30B (+104.3%)
|
25.62B
est: 6.28B (+308.1%)
|
38.61B
est: 6.28B (+515.1%)
|
33.48B
est: 6.77B (+394.8%)
|
91.07B
est: 117.41B (-22.4%)
|
184.80B
est: 166.24B (+11.2%)
|
163.58B
154.06B – 173.10B
-1.6% YoY
|
179.86B
132.28B – 211.93B
+10.0% YoY
|
195.60B
146.93B – 248.16B
+8.7% YoY
|
208.76B
161.90B – 224.35B
+6.7% YoY
|
| SGA |
824.40M
est: 76.15B (-98.9%)
|
1.09B
est: 82.34B (-98.7%)
|
1.28B
est: 102.88B (-98.8%)
|
1.12B
est: 118.52B (-99.1%)
|
1.36B
est: 136.01B (-99.0%)
|
1.68B
est: 181.45B (-99.1%)
|
2.47B
est: 192.35B (-98.7%)
|
2.18B
est: 644.45M (+238.4%)
|
119.61B
est: 234.64B (-49.0%)
|
99.25B
est: 662.21M (+14,887.3%)
|
101.51B
est: 673.87M (+14,963.0%)
|
2.38B
est: 379.14B (-99.4%)
|
169.97B
est: 379.12B (-55.2%)
|
203.05B
est: 408.71B (-50.3%)
|
242.19B
est: 76.02B (+218.6%)
|
275.25B
est: 506.88B (-45.7%)
|
113.42B
111.36B – 120.79B
-77.6% YoY
|
116.61B
111.38B – 121.02B
+2.8% YoY
|
129.17B
123.63B – 137.14B
+10.8% YoY
|
139.76B
139.75B – 139.77B
+8.2% YoY
|
| EPS |
25.20
est: 23.73 (+6.2%)
|
29.02
est: 27.98 (+3.7%)
|
29.63
est: 30.00 (-1.2%)
|
28.03
est: 29.24 (-4.1%)
|
20.32
est: 20.88 (-2.7%)
|
18.78
est: 20.45 (-8.2%)
|
-19.32
est: 6.84 (-382.5%)
|
5.78
est: 7.56 (-23.5%)
|
-12.84
est: -0.59 (-2,086.9%)
|
-29.68
est: -12.92 (-129.8%)
|
0.80
est: 2.08 (-61.5%)
|
2.64
est: 1.40 (+88.2%)
|
3.53
est: 4.18 (-15.5%)
|
3.04
est: 2.41 (+26.2%)
|
8.27
est: 10.66 (-22.4%)
|
16.42
est: 14.41 (+14.0%)
|
14.13
13.40 – 15.06
-1.9% YoY
|
15.57
11.51 – 18.44
+10.2% YoY
|
16.77
12.78 – 21.59
+7.7% YoY
|
17.67
14.08 – 19.52
+5.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-06 | C | 2/5 | 3/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-05-05 | B+ | 3/5 | 3/5 | 4/5 | 3/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-04 | B+ | 3/5 | 3/5 | 4/5 | 3/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-30 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-29 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree Emerging Markets Quality Dividend Growth Fund DGRE | 0.23% | 332.1K | 0.32% |
| 2 | WisdomTree India Earnings Fund EPI | 0.15% | 3.20M | 0.84% |
| 3 | Dimensional - Emerging Markets Value ETF DFEV | 0.07% | 1.33M | 0.46% |
| 4 | State Street SPDR MSCI Emerging Markets StrategicFactors ETF QEMM | 0.03% | 17.2K | 0.30% |
| 5 | Schwab Emerging Markets Equity ETF SCHE | 0.03% | 3.22M | 0.06% |
| 6 | Dimensional - Emerging Core Equity Market ETF DFAE | 0.02% | 2.37M | 0.29% |
| 7 | State Street SPDR MSCI Emerging Markets Fossil Fuel Reserves Free ETF EEMX | 0.02% | 39.7K | 0.30% |
| 8 | Dimensional - Emerging Markets Core Equity 2 ETF DFEM | 0.02% | 1.64M | 0.39% |
| 9 | Dimensional - Emerging Markets ex China Core Equity ETF DEXC | 0.01% | 40.3K | 0.56% |
| 10 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 527.2K | 0.28% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| D. Surendran | Executive Director | 5M | male |
| Bibhu Prasad Mahapatra | Executive Director | 5M | male |
| Paramasivam | Executive Director | 5M | male |
| Ashok Chandra | Chief Executive Officer, MD & Director | 874.6K | male |
| Deepak Kumar | General Manager & HO Corporate Communication Division | — | male |
| Bikramjit Shom | Company Secretary & Compliance Officer | — | male |
| Raman Grover | Chief Financial Officer & Chief GM of Finance Division Head Office | — | — |
| Sumesh Kumar | Chief General Manager, HO HRD | — | male |
| Sunil Kumar Goyal | Chief General Manager | — | male |
| Vishesh Kumar Srivastava | Chief General Manager | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for PNB.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
