Financials Punjab National Bank

Equities

PNB

INE160A01022

Banks

Market Closed - NSE India S.E. 05:13:49 10/05/2024 pm IST 5-day change 1st Jan Change
123.9 INR +1.43% Intraday chart for Punjab National Bank -8.76% +29.40%

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 4,39,686 2,17,960 3,84,007 3,85,936 5,13,113 13,44,996 - -
Enterprise Value (EV) 1 4,39,686 2,17,960 3,84,007 3,85,936 5,13,113 13,44,996 13,44,996 13,44,996
P/E ratio -3.09 x 52.2 x 17.6 x 11.1 x 20.4 x 17.1 x 10.3 x 8.89 x
Yield - - - 1.83% 1.39% 1.09% 1.78% 2.01%
Capitalization / Revenue 1.79 x 0.82 x 0.89 x 0.94 x 1.1 x 2.55 x 2.32 x 2.12 x
EV / Revenue 1.79 x 0.82 x 0.89 x 0.94 x 1.1 x 2.55 x 2.32 x 2.12 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 1.36 x 1.2 x 1.07 x
Nbr of stocks (in thousands) 46,04,047 67,37,566 1,04,77,682 1,10,11,016 1,10,11,016 1,10,11,016 - -
Reference price 2 95.50 32.35 36.65 35.05 46.60 122.2 122.2 122.2
Announcement Date 28/05/19 19/06/20 04/06/21 11/05/22 19/05/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 2,45,337 2,67,119 4,32,888 4,10,144 4,66,342 5,26,808 5,79,897 6,34,412
EBITDA - - - - - - - -
EBIT 1 1,29,952 1,47,386 2,29,801 2,07,618 2,25,288 2,51,141 2,88,152 3,23,484
Operating Margin 52.97% 55.18% 53.09% 50.62% 48.31% 47.67% 49.69% 50.99%
Earnings before Tax (EBT) 1 -1,53,458 7,390 34,794 43,164 42,883 1,22,192 1,91,640 2,12,881
Net income 1 -99,755 3,362 20,216 34,570 25,072 77,874 1,31,228 1,52,958
Net margin -40.66% 1.26% 4.67% 8.43% 5.38% 14.78% 22.63% 24.11%
EPS 2 -30.94 0.6200 2.080 3.160 2.280 7.147 11.82 13.73
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - 0.6400 0.6500 1.333 2.168 2.458
Announcement Date 28/05/19 19/06/20 04/06/21 11/05/22 19/05/23 - - -
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 1,12,868 1,06,798 1,08,207 96,348 1,05,038 97,542 1,00,798 1,11,179 1,25,173 1,29,191 1,29,381 1,27,860 1,32,237 1,40,177
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 66,656
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% 47.55%
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 46,527
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 27,212
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% 19.41%
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 05/02/21 04/06/21 02/08/21 27/10/21 28/01/22 11/05/22 28/07/22 01/11/22 30/01/23 19/05/23 26/07/23 - - -
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% 12% 12.4%
ROA (Net income/ Total Assets) -1.25% 0.04% 0.15% 0.26% 0.18% 0.5% 0.82% 0.88%
Assets 1 79,80,392 84,05,000 1,34,77,467 1,32,96,000 1,39,28,889 1,55,05,237 1,60,37,062 1,73,38,622
Book Value Per Share 2 97.30 92.60 86.80 86.70 90.70 89.60 102.0 114.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 28/05/19 19/06/20 04/06/21 11/05/22 19/05/23 - - -
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

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings
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