PUNJAB NATIONAL BANK (PNB) is an Indian publicly traded corporation listed on the National Stock Exchange of India (NSE: PNB). Currently trading at ₹122.85, the company commands a market capitalization of ₹1,34,180 Crores. The stock trades at a Price-to-Earnings (P/E) multiple of 6.1x against an industry ROCE of 109.9%. Part of the Financial Services sector (Banks - Regional industry).
PUNJAB NATIONAL BANK (PNB) is an Indian enterprise listed on the National Stock Exchange of India (NSE) and Bombay Stock Exchange (BSE) in the Financial Services sector, specializing in Banks - Regional. The company submits audited and unaudited financial filings in compliance with SEBI regulations and Ind-AS statutory accounting standards.
Comparison of PUNJAB NATIONAL BANK against its top peers in the Banks - Regional industry.
Side-by-side fundamental showdowns: compare valuation multiples, ROCE efficiency, profit growth & balance sheet safety.
High-level trend in Rs. Crores (Consolidated)
Consolidated Figures in Rs. Crores
Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | |||
|---|---|---|---|---|---|---|---|---|
| Sales + | 15,370 | 14,659 | 15,738 | 0 | 16,171 | 15,660 | 15,258 | 14,205 |
| Expenses + | -14,321 | -14,701 | -12,866 | -24,214 | -12,631 | -12,498 | 18,561 | 15,273 |
| Operating Profit | 29,691 | 29,360 | 28,604 | 24,214 | 28,802 | 28,157 | -3,304 | -1,068 |
| OPM % | 193% | 200% | 182% | 0% | 178% | 180% | -22% | -8% |
| Other Income + | 0 | 0 | 0 | 4,171 | 0 | 0 | 3,082 | 1,906 |
| Interest | 22,583 | 22,219 | 22,164 | 21,858 | 21,828 | 21,640 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 7,108 | 7,141 | 6,440 | 6,527 | 6,973 | 6,518 | -221 | 838 |
| Tax % | 25% | 27% | 19% | 22% | 74% | 29% | 0% | 0% |
| Net Profit + | 5,815 | 5,592 | 5,556 | 5,121 | 2,120 | 4,989 | 230 | 561 |
| EPS in Rs | 5.06 | 4.83 | 4.83 | 4.46 | 1.84 | 4.34 | 0.00 | 0.00 |
Consolidated Figures in Rs. Crores (Annual)
| Mar '26 | Mar '25 | |
|---|---|---|
| Equity Capital | 2,299 | 2,299 |
| Reserves | 6,788 | 5,696 |
| Borrowings | 86,268 | 71,999 |
| Other Liabilities | 17,96,401 | 16,51,778 |
| Total Liabilities | 20,32,641 | 18,56,915 |
| Fixed Assets | 15,079 | 12,724 |
| CWIP | 0 | 0 |
| Investments | 5,23,515 | 5,24,840 |
| Other Assets | 14,94,738 | 13,19,979 |
| Total Assets | 20,33,331 | 18,57,544 |
Consolidated Figures in Rs. Crores (Annual)
| Mar '26 | Mar '25 | |
|---|---|---|
| Cash from Operating Activity | 25,635 | 22,075 |
| Cash from Investing Activity | -609 | -1,578 |
| Cash from Financing Activity | -11,664 | -1,138 |
| Net Cash Flow | 13,362 | 19,359 |
Deep Forensic Fundamental Analysis
Subscribe to UpMyFolio Premium to generate a deep AI fundamental analysis of this company's exact business model, how they make money, and their competitive advantages. Our AI synthesizes thousands of pages of annual reports instantly.
Get instant access to AI Forensics, SWOT analysis, and Concall execution tracking. Pro users get 10 AI Credits per month.
₹499/month. Cancel anytime.
The company has consistently prioritized aggressive expansion into emerging markets while maintaining a lean operational structure. Recent quarters show a pivot towards high-margin digital services, though capital expenditure remains elevated due to infrastructure investments.
Tired of reading 100-page Annual Reports? Let our AI ingest 3 years of P&L, Balance Sheets, and Cash Flows to instantly detect hidden red flags, highlight growth catalysts, and synthesize management's true focus.
Dividends, splits, and official board announcements
Key financial questions, valuation metrics, and quarterly analysis for PUNJAB NATIONAL BANK (PNB)
Public sector banking rivals: operating profit compounding, NPA provisioning & dividend yields.