Stock PNB PUNJAB NATIONAL BANK
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Financials Punjab National Bank

Equities

PNB

INE160A01022

Banks

Market Closed - NSE India S.E.
Other stock markets
 07:43:48 2024-04-26 am EDT 		5-day change 1st Jan Change
136.4 INR +0.40% Intraday chart for Punjab National Bank +6.39% +42.51%
Apr. 11 Kisan Mouldings Clears Dues Owed to Four Indian Banks MT
Apr. 04 Punjab National Bank Appoints Amresh Prasad as Chief General Manager CI

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 439,686 217,960 384,007 385,936 513,113 1,502,453 - -
Enterprise Value (EV) 1 439,686 217,960 384,007 385,936 513,113 1,502,453 1,502,453 1,502,453
P/E ratio -3.09 x 52.2 x 17.6 x 11.1 x 20.4 x 19.2 x 11.6 x 9.98 x
Yield - - - 1.83% 1.39% 0.98% 1.51% 1.67%
Capitalization / Revenue 1.79 x 0.82 x 0.89 x 0.94 x 1.1 x 2.85 x 2.59 x 2.35 x
EV / Revenue 1.79 x 0.82 x 0.89 x 0.94 x 1.1 x 2.85 x 2.59 x 2.35 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.98 x 0.35 x 0.42 x 0.4 x 0.51 x 1.51 x 1.33 x 1.2 x
Nbr of stocks (in thousands) 4,604,047 6,737,566 10,477,682 11,011,016 11,011,016 11,011,016 - -
Reference price 2 95.50 32.35 36.65 35.05 46.60 136.4 136.4 136.4
Announcement Date 5/28/19 6/19/20 6/4/21 5/11/22 5/19/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 245,337 267,119 432,888 410,144 466,342 526,621 580,935 638,219
EBITDA - - - - - - - -
EBIT 1 129,952 147,386 229,801 207,618 225,288 251,464 287,048 324,263
Operating Margin 52.97% 55.18% 53.09% 50.62% 48.31% 47.75% 49.41% 50.81%
Earnings before Tax (EBT) 1 -153,458 7,390 34,794 43,164 42,883 121,556 191,491 215,894
Net income 1 -99,755 3,362 20,216 34,570 25,072 77,929 130,626 152,200
Net margin -40.66% 1.26% 4.67% 8.43% 5.38% 14.8% 22.49% 23.85%
EPS 2 -30.94 0.6200 2.080 3.160 2.280 7.123 11.78 13.68
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - 0.6400 0.6500 1.333 2.056 2.285
Announcement Date 5/28/19 6/19/20 6/4/21 5/11/22 5/19/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 112,868 106,798 108,207 96,348 105,038 97,542 100,798 111,179 125,173 129,191 129,381 127,860 132,237 140,177
EBITDA - - - - - - - - - - - - - -
EBIT 1 63,908 56,343 60,986 40,211 50,763 52,648 53,792 55,672 57,159 58,664 59,680 56,902 60,055 66,776
Operating Margin 56.62% 52.76% 56.36% 41.74% 48.33% 53.97% 53.37% 50.07% 45.66% 45.41% 46.13% 44.5% 45.41% 47.64%
Earnings before Tax (EBT) 1 9,582 9,483 14,206 7,598 17,228 4,133 5,890 6,608 10,026 20,358 20,027 18,249 31,456 45,642
Net income 1 5,060 5,863 10,235 11,052 11,268 2,016 3,084 4,113 6,289 11,586 12,554 14,129 19,766 27,124
Net margin 4.48% 5.49% 9.46% 11.47% 10.73% 2.07% 3.06% 3.7% 5.02% 8.97% 9.7% 11.05% 14.95% 19.35%
EPS 2 0.5300 0.5600 0.9500 1.000 1.020 0.1800 0.2800 0.3700 0.5700 1.050 1.140 1.500 1.800 3.200
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 2/5/21 6/4/21 8/2/21 10/27/21 1/28/22 5/11/22 7/28/22 11/1/22 1/30/23 5/19/23 7/26/23 - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) -23.2% 0.63% 2.64% 2.4% 3.94% 7.89% 11.9% 12.3%
ROA (Net income/ Total Assets) -1.25% 0.04% 0.15% 0.26% 0.18% 0.5% 0.81% 0.87%
Assets 1 7,980,392 8,405,000 13,477,467 13,296,000 13,928,889 15,521,462 16,177,948 17,432,901
Book Value Per Share 2 97.30 92.60 86.80 86.70 90.70 90.10 102.0 114.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 5/28/19 6/19/20 6/4/21 5/11/22 5/19/23 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Punjab National Bank

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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