Punjab National Bank

Punjab Natl.Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Punjab National Bank

₹ 102 0.51%
26 Dec - close price
pnbindia.in BSE: 532461 NSE: PNB
About

Punjab National Bank is India's first Swadeshi Bank. PNB is a Banking and Financial service bank owned by the Government of India with its headquarters is in New Delhi, India. It is the Third largest PSU after SBI and BOB.[1]

Key Points

Ratios Q3FY24[1]
PCR - 94.28%
GNPA - 5.73%
NNPA - 0.73%
CASA Ratio - 42.47%
Slippage Ratio - 0.81%

Website BSE NSE
  • Market Cap ₹ 1,17,400 Cr.
  • Current Price ₹ 102
  • High / Low ₹ 143 / 92.4
  • Stock P/E 9.18
  • Book Value ₹ 96.7
  • Dividend Yield 1.47 %
  • ROCE 5.41 %
  • ROE 7.99 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 1.06 times its book value
  • Company has delivered good profit growth of 23.1% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 23.0%
  • Company's working capital requirements have reduced from 59.2 days to 26.3 days

Cons

  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -3.07%
  • Company has a low return on equity of 4.83% over last 3 years.
  • Contingent liabilities of Rs.2,59,543 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

Part of BSE 100 LargeCap TMC Index Nifty LargeMidcap 250 BSE 250 LargeMidCap Index BSE 500 Nifty100 ESG

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 17,980 19,325 18,645 18,757 20,154 22,384 23,849 25,145 26,355 27,288 28,113 28,556 29,875
Interest 11,628 11,522 11,341 11,214 11,883 13,205 14,350 15,641 16,432 16,995 17,750 18,080 19,358
8,875 8,781 9,341 9,491 10,457 11,515 10,883 10,935 10,179 9,375 9,783 8,817 8,523
Financing Profit -2,522 -978 -2,037 -1,948 -2,186 -2,335 -1,384 -1,431 -256 918 580 1,659 1,993
Financing Margin % -14% -5% -11% -10% -11% -10% -6% -6% -1% 3% 2% 6% 7%
3,282 2,701 2,450 2,537 2,847 3,338 3,420 3,434 3,028 2,674 4,248 3,610 4,572
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 760 1,723 413 589 661 1,003 2,036 2,003 2,772 3,592 4,828 5,269 6,565
Tax % -45% 35% 51% 48% 38% 37% 43% 37% 37% 38% 38% 38% 34%
1,105 1,127 202 308 411 629 1,159 1,255 1,756 2,223 3,010 3,252 4,303
EPS in Rs 1.00 1.02 0.18 0.28 0.37 0.57 1.05 1.14 1.59 2.02 2.73 2.95 3.74
Gross NPA % 13.63% 12.88% 11.78% 11.27% 10.48% 9.76% 8.74% 7.73% 6.96% 6.24% 5.73% 4.98% 4.48%
Net NPA % 5.49% 4.90% 4.80% 4.28% 3.80% 3.30% 2.72% 1.98% 1.47% 0.96% 0.73% 0.60% 0.46%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 41,886 43,223 46,315 47,424 47,276 47,996 51,310 53,800 80,818 74,880 85,144 106,902 113,833
Interest 27,037 27,077 29,760 32,113 32,283 33,073 34,154 36,362 50,273 46,185 50,652 66,819 72,184
12,232 15,680 18,119 26,654 21,508 42,802 39,301 25,365 38,014 35,809 41,449 39,377 36,499
Financing Profit 2,617 466 -1,563 -11,342 -6,515 -27,880 -22,145 -7,927 -7,468 -7,115 -6,958 706 5,150
Financing Margin % 6% 1% -3% -24% -14% -58% -43% -15% -9% -10% -8% 1% 5%
4,223 4,577 5,891 6,000 8,951 8,881 7,377 9,274 11,922 12,320 12,143 13,384 15,103
Depreciation 318 352 370 396 425 576 578 608 975 889 897 895 0
Profit before tax 6,522 4,691 3,957 -5,738 2,012 -19,575 -15,346 739 3,479 4,316 4,288 13,194 20,253
Tax % 27% 29% 23% -31% 34% -37% -35% 55% 42% 20% 42% 38%
4,748 3,343 3,062 -3,974 1,325 -12,283 -9,975 336 2,022 3,457 2,507 8,245 12,788
EPS in Rs 26.86 18.46 16.51 -20.24 6.23 -44.49 -21.67 0.50 1.93 3.14 2.28 7.49 11.44
Dividend Payout % 20% 11% 20% 0% 0% 0% 0% 0% 0% 20% 29% 20%
Compounded Sales Growth
10 Years: 9%
5 Years: 16%
3 Years: 10%
TTM: 16%
Compounded Profit Growth
10 Years: 9%
5 Years: 23%
3 Years: 59%
TTM: 166%
Stock Price CAGR
10 Years: -7%
5 Years: 9%
3 Years: 40%
1 Year: 11%
Return on Equity
10 Years: -1%
5 Years: 4%
3 Years: 5%
Last Year: 8%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 353 362 371 393 426 552 921 1,348 2,096 2,202 2,202 2,202
Reserves 32,323 35,533 38,709 37,917 41,672 40,522 43,866 61,010 88,842 93,285 97,653 104,274
431,181 499,431 547,049 612,806 662,467 703,077 715,356 754,072 1,149,173 1,191,900 1,332,455 1,420,143
15,090 15,093 17,205 16,274 15,766 21,679 14,806 14,237 20,523 27,418 29,521 35,216
Total Liabilities 478,948 550,420 603,334 667,390 720,331 765,830 774,949 830,666 1,260,633 1,314,805 1,461,831 1,561,835
3,358 3,420 3,551 5,223 6,273 6,349 6,225 7,239 11,021 10,674 12,051 12,319
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 129,896 143,786 149,877 157,846 186,725 200,306 202,128 240,466 392,983 372,168 395,997 420,318
345,694 403,215 449,905 504,322 527,332 559,175 566,596 582,961 856,628 931,964 1,053,784 1,129,198
Total Assets 478,948 550,420 603,334 667,390 720,331 765,830 774,949 830,666 1,260,633 1,314,805 1,461,831 1,561,835

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-1,887 17,729 5,619 17,045 12,497 1,012 -30,893 -12,613 30,903 20,464 21,780 -27,895
-651 -634 -849 -783 -527 -1,288 -260 -239 -839 -1,207 -682 -1,539
845 988 5,946 856 739 7,407 10,979 13,557 5,293 2,041 1,364 3,430
Net Cash Flow -1,693 18,083 10,716 17,119 12,709 7,130 -20,174 705 35,357 21,297 22,462 -26,004

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 16% 10% 8% -10% 3% -30% -23% 1% 3% 4% 3% 8%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 73.15% 70.08%
1.19% 1.36% 0.99% 1.22% 1.71% 1.71% 1.82% 2.65% 3.10% 4.82% 5.51% 8.42%
11.61% 11.60% 11.45% 12.29% 12.98% 13.53% 13.44% 13.80% 13.74% 12.37% 10.76% 11.61%
14.05% 13.89% 14.41% 13.33% 12.16% 11.61% 11.57% 10.41% 10.00% 9.67% 10.57% 9.89%
No. of Shareholders 18,77,24719,50,65920,40,14120,10,93820,29,64620,67,20220,30,10020,83,54621,63,62523,53,62525,29,28325,79,491

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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