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| 25 October, 2021, 08:40 PM IST | E-Paper
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Punjab National Bank - Share Price, Stock Analysis & Recos

  • 44.900.95 (2.16%)
  • Volume: 15,34,58,794
  • Closed
  • Last Updated On: 04:01 PM IST
OPEN TRADING A/C
STOCK SCORE
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  • Overview
  • News
  • Analysis
  • Recos
  • Financials
  • Forecast
  • Technicals
  • Peers
  • Shareholdings
  • MF
  • F&O
  • Corp Actions
  • About

Insights

View All
  • Meeting Agenda: Quarterly Results. Please add to watchlist to track closely.

  • Punjab National Bank reported a YoY increase of 42.46% in its advances, which is higher than its 5 yr CAGR of 9.87%. (Source: Consolidated Financials)

  • Net profit per employee has been continuously increasing over the last 3 years with a growth of 306.28% last year. (Source: Standalone Financials)

  • White Spinning Top was formed for PNB

InsightsPunjab National Bank

  • Board Meeting on Oct 27, 2021

    Meeting Agenda: Quarterly Results. Please add to watchlist to track closely.

  • Loan Book Growth - Beating 5 Yr CAGR

    Punjab National Bank reported a YoY increase of 42.46% in its advances, which is higher than its 5 yr CAGR of 9.87%. (Source: Consolidated Financials)

  • Profit Per Employee - Uptrend

    Net profit per employee has been continuously increasing over the last 3 years with a growth of 306.28% last year. (Source: Standalone Financials)

  • Candle Formations Yesterday

    White Spinning Top was formed for PNB

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Key Metrics

  • PE Ratio

    PE Ratio

    This is a ratio arrived at by dividing the current market price of a stock by its latest (annual or annualized) earnings per share. Here we have taken the TTM (trailing twelve months) adjusted earnings per share.

    (x)
    14.00
  • EPS - TTM

    EPS - TTM

    Earnings per share (TTM) tells the profit after tax earned on a per share basis by a stock over the last twelve months or four quarters.

    (₹)
    2.90
  • MCap

    MCap

    MCap or Market capitalization of a stock is calculated by multiplying the total number of shares outstanding of that particular stock with its current market price.

    (₹ Cr.)
    48,393.41
  • Sectoral MCap Rank

    Sectoral MCap Rank

    This is the ranking of a company within its sector based on MCap or Market capitalization. Higher the market capitalization of a company, higher the rank it is assigned.

    10
  • PB Ratio

    PB Ratio

    Price to Book represents the ratio of current market price of a stock to its book value per share. The book value itself is arrived at by dividing the net worth of a company by the total number of shares outstanding of the company at that time.

    (x)
    0.52
  • Div Yield

    Dividend Yield

    Dividend Yield calculates the amount of full year dividend declared by a company as a percentage of the current market price of a stock. All other things being equal, higher the dividend yield of the stock, the better it is for investors.

    (%)
    0.00
  • Face Value

    Face Value

    Face value of a stock is the value ascribed to the stock as per the balance sheet of the company. The dividend declared by a company is usually declared as a percentage of face value.

    (₹)
    2.00
  • Beta

    Beta

    1 Month1.85
    3 Months2.07
    6 Months2.17
    1 Year1.75
    3 Years1.95

    1.85
  • VWAP

    VWAP

    Volume Weighted Average Price represents the average price of a security over a particular time period (example one trading day) weighted by the volume traded at each price point.

    (₹)
    44.68
  • 52W H/L

    52W H/L

    This represents the 52 week high and low price of the security. It is also the 1 year high and low of the security. This represents the highest and lowest price touched by the security during the past 52 weeks or 1 year including today.

    (₹)
    48.20 / 26.30

Returns

  • 1 Day1.25%
  • 1 Week7.12%
  • 1 Month8.7%
  • 3 Months-4.13%
  • 1 Year45.0%
  • 3 Years-35.76%
  • 5 Years-71.14%

PNB Stock Analysis

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Recommendations

Recent Recos

HOLD

Current

Mean Recos by 23 Analysts

Strong
Sell
SellHoldBuyStrong
Buy
  • Target₹485
  • OrganizationICICI Securities
  • SELL

Analyst Trends

RatingsCurrent1 Week Ago1 Month Ago3 Months Ago
Strong Buy2221
Buy3334
Hold7764
Sell7788
Strong Sell4444
# Analysts23232321

Financials

  • Income (P&L)

  • Balance Sheet

  • Cash Flow

  • Ratios

  • Insights

    • Profit Per Employee - Uptrend

      Net profit per employee has been continuously increasing over the last 3 years with a growth of 306.28% last year. (Source: Standalone Financials)
    Quarterly | AnnualJun 2021Mar 2021Dec 2020Sep 2020Jun 2020
    Total Income22,815.4122,779.5623,639.4123,844.1324,727.72
    Total Income Growth (%)0.16-3.64-0.86-3.5746.98
    Provisions & Contingencies4,701.974,768.095,480.424,898.844,738.69
    Provisions & Contingencies Growth (%)-1.39-13.0011.873.38-4.79
    Profit after Tax (PAT)1,168.33700.80747.29576.16537.71
    PAT Growth (%)66.71-6.2229.707.15-
    Gross NPA (%)-----
    Net NPA (%)-----
    Net Profit Margin (%)5.123.083.162.422.17
    Basic EPS (₹)1.090.670.780.610.57
    Quarterly | AnnualJun 2021Mar 2021Dec 2020Sep 2020Jun 2020
    Total Income22,515.0022,531.7323,298.5323,438.5624,292.80
    Total Income Growth (%)-0.07-3.29-0.60-3.5248.23
    Provisions & Contingencies4,678.054,686.045,432.604,696.154,685.89
    Provisions & Contingencies Growth (%)-0.17-13.7415.680.22-4.40
    Profit after Tax (PAT)1,023.46586.33506.03620.81308.45
    PAT Growth (%)74.5515.87-18.49101.27-
    Gross NPA (%)14.3314.1212.9913.4314.11
    Net NPA (%)5.845.734.034.755.39
    Net Profit Margin (%)4.552.602.172.651.27
    Basic EPS (₹)0.950.560.530.660.33
    Quarterly | Annual FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
    Total Income94,990.8564,306.1359,514.5157,608.1957,225.66
    Total Income Growth (%)47.728.053.310.67-0.96
    Provisions & Contingencies21,518.0714,794.8323,196.0123,019.5514,078.67
    Provisions & Contingencies Growth (%)45.44-36.220.7763.51-16.01
    Profit after Tax (PAT)2,561.97438.45-9,570.12-12,130.061,187.24
    PAT Growth (%)492.40---1,496.51-
    Net Interest Margin (%)2.422.102.211.952.09
    Net Profit Margin (%)3.120.79-18.35-24.892.47
    Basic EPS (₹)2.640.80-29.68-54.715.78
    Quarterly | Annual FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
    Total Income93,561.6263,074.1658,687.6656,876.6456,227.36
    Total Income Growth (%)48.347.473.181.153.55
    Provisions & Contingencies20,958.4614,402.3522,970.7422,577.0213,240.36
    Provisions & Contingencies Growth (%)45.52-37.301.7470.52-18.22
    Profit after Tax (PAT)2,021.62336.19-9,975.49-12,282.821,324.80
    PAT Growth (%)501.32---1,027.14-
    Net Interest Margin (%)2.412.092.211.942.08
    Net Profit Margin (%)2.500.62-19.44-25.592.80
    Basic EPS (₹)2.080.62-30.94-55.396.45

    All figures in Rs Cr, unless mentioned otherwise

  • Insights

    • Loan Book Growth - Beating 5 Yr CAGR

      Punjab National Bank reported a YoY increase of 42.46% in its advances, which is higher than its 5 yr CAGR of 9.87%. (Source: Consolidated Financials)
    • Falling Gross NPA and Net NPA

      The bank's gross NPA% and Net NPA% have fallen continuously over the past 4-years to 14.12% and 5.73%, respectively. (Source: Standalone Financials)
    Annual FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
    Advances6,79,345.774,76,853.344,62,416.234,38,798.004,24,230.49
    Advances Growth (%)42.463.125.383.43-4.90
    Deposits11,13,716.867,10,254.376,81,874.186,48,439.026,29,650.86
    Deposits Growth (%)56.814.165.162.9810.39
    Total Equity93,021.1264,237.0546,372.0743,284.5643,945.49
    Total Equity Growth (%)44.8138.537.13-1.503.32
    Gross NPA (%)-----
    Net NPA (%)-----
    Capital Adequacy Ratios (%)---9.8211.98
    Contingent Liabilities3,85,387.952,13,299.343,07,895.893,08,790.193,38,851.04
    Annual FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
    Advances6,74,230.084,71,827.724,58,249.204,33,734.724,19,493.15
    Advances Growth (%)42.902.965.653.391.74
    Deposits11,06,332.477,03,846.326,76,030.146,42,226.196,21,704.02
    Deposits Growth (%)57.184.115.263.3012.41
    Total Equity90,937.3162,357.4944,787.1341,074.3141,846.98
    Total Equity Growth (%)45.8339.239.04-1.859.23
    Gross NPA (%)14.1214.2115.5018.3812.53
    Net NPA (%)5.735.786.5611.247.81
    Capital Adequacy Ratios (%)14.3214.149.739.2011.66
    Contingent Liabilities3,83,279.782,10,800.743,05,400.133,04,127.703,32,831.33

    All figures in Rs Cr, unless mentioned otherwise

  • Insights

    • Cash from Operations vs PAT

      Operating cash flow of Rs 1239.53 cr is 0.48 times compared to the reported net profit of Rs 2561.97 cr. (Source: Consolidated Financials)
    • Decrease in Cash from Investing

      Company has used Rs 786.84 cr for investing activities which is an YoY decrease of 20.29%. (Source: Consolidated Financials)
    Annual FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
    Net Cash flow from Operating Activities1,239.53-12,743.54-33,531.96-140.2121,938.03
    Net Cash used in Investing Activities-786.84-987.10-629.17-1,103.17158.75
    Net Cash flow from Financing Activities5,415.1614,190.4113,968.957,352.43-9,767.07
    Net Cash Flow35,578.68459.77-20,192.186,109.0512,329.71
    Closing Cash & Cash Equivalent1,13,334.4377,755.7577,295.9797,488.1591,379.09
    Closing Cash & Cash Equivalent Growth (%)45.760.59-20.716.6918.60
    Annual FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
    Net Cash flow from Operating Activities1,192.13-11,336.23-30,892.511,011.6912,497.05
    Net Cash used in Investing Activities-839.17-1,515.85-260.37-1,288.01-527.18
    Net Cash flow from Financing Activities5,292.8913,557.0710,978.927,406.67738.69
    Net Cash Flow35,356.67704.99-20,173.967,130.3612,708.56
    Closing Cash & Cash Equivalent1,11,349.7075,993.0375,288.0495,462.0088,331.65
    Closing Cash & Cash Equivalent Growth (%)46.530.94-21.138.0719.98

    All figures in Rs Cr, unless mentioned otherwise

  • Annual FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
    Return on Equity (%)3.000.74-22.51-31.263.01
    Return on Assets (%)0.200.05-1.21-1.550.16
    Cost to Income (%)44.2541.9058.6163.6441.24
    Interest income to Earning assets (%)6.396.446.596.256.55
    Interest Expense to Earning assets (%)3.964.344.384.304.46
    Price to Earnings (x)14.9949.75-4.59-2.1727.03
    Price to Book (x)0.450.371.030.680.81
    Price to Sales (x)0.470.400.840.540.67
    Operating Profit Margin (%)-13.40-16.43-33.35-44.05-17.20
    Annual FY 2021 FY 2020 FY 2019 FY 2018 FY 2017
    Return on Equity (%)2.410.58-24.20-32.853.47
    Return on Assets (%)0.160.04-1.28-1.600.18
    Cost to Income (%)44.1041.8158.8063.4440.22
    Interest income to Earning assets (%)6.406.476.626.266.56
    Interest Expense to Earning assets (%)3.984.374.404.314.48
    Price to Earnings (x)19.0164.94-4.40-2.1524.21
    Price to Book (x)0.460.381.070.700.84
    Price to Sales (x)0.480.410.860.550.68
    Operating Profit Margin (%)-13.36-16.61-33.81-44.09-16.13

Financial InsightsPunjab National Bank

  • Income (P&L)
  • Balance Sheet
  • Cash Flow
    • Profit Per Employee - Uptrend

      Net profit per employee has been continuously increasing over the last 3 years with a growth of 306.28% last year. (Source: Standalone Financials)

    • Loan Book Growth - Beating 5 Yr CAGR

      Punjab National Bank reported a YoY increase of 42.46% in its advances, which is higher than its 5 yr CAGR of 9.87%. (Source: Consolidated Financials)

    • Falling Gross NPA and Net NPA

      The bank's gross NPA% and Net NPA% have fallen continuously over the past 4-years to 14.12% and 5.73%, respectively. (Source: Standalone Financials)

    • Cash from Operations vs PAT

      Operating cash flow of Rs 1239.53 cr is 0.48 times compared to the reported net profit of Rs 2561.97 cr. (Source: Consolidated Financials)

    • Decrease in Cash from Investing

      Company has used Rs 786.84 cr for investing activities which is an YoY decrease of 20.29%. (Source: Consolidated Financials)

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Forecast

  • PRICE

  • REVENUE

  • EARNINGS

  • Get multiple analysts’ prediction on PNB

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  • Get multiple analysts’ prediction on PNB

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    • High, low, medium predictions for Price
    • Upcoming predictions for Revenue
    • Details about company earnings
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    • Details about company earnings
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Technicals

  • Buy / Sell Signals

  • Price Analysis

  • Pivot Levels & ATR

  • Chart

  • Bullish / Bearish signals for Punjab National Bank basis selected technical indicators and moving average crossovers.

    5 Day EMA Crossover

    Bullish signal on daily chart

    Appeared on: 21 Oct 2021

    5D EMA: 43.73

    Last 4 Buy Signals:8 Oct 2021
    Date7 days Gain/Loss %
    8 Oct 20215.96%
    27 Sep 20218.21%
    8 Sep 20213.45%
    30 Aug 20214.90%

    Average price gain of 4.22% within 7 days of Bullish signal in last 5 years

  • 46%
    Positive Movement since
    1st Jan 2005 on basis
    54%
    Negative Movement since
    1st Jan 2005 on basis
    Exclude
  • Pivot Levels

    R1R2R3PIVOTS1S2S3
    Classic44.3845.2246.6743.7742.9342.3240.87

    Average True Range

    5 DAYS14 DAYS28 DAYS
    ATR2.091.731.50

Peer Comparison

  • Stock Performance

  • Ratio Performance

  • Insights

    • Stock Returns vs Nifty 100

      Stock gave a 3 year return of -32.12% as compared to Nifty 100 which gave a return of 76.81%. (as of last trading session)
    • Stock Returns vs Nifty Bank

      Stock generated -32.12% return as compared to Nifty Bank which gave investors 61.47% return over 3 year time period. (as of last trading session)
    • 1D
    • 1W
    • 1M
    • 3M
    • 6M
    • 1Y
    • 5Y
  • Insights

    • Stock Returns vs Nifty 100

      Stock gave a 3 year return of -32.12% as compared to Nifty 100 which gave a return of 76.81%. (as of last trading session)
    • Stock Returns vs Nifty Bank

      Stock generated -32.12% return as compared to Nifty Bank which gave investors 61.47% return over 3 year time period. (as of last trading session)

    Ratio Performance

    NAMEP/E (x)P/B (x)ROE %ROA %Rev CAGR [3Yr]OPMNPMNIM %Cost to Income %Interest income to Earning assets %Net NPA %Capital Adequacy Ratio %
    PNB15.160.523.000.2017.94-13.403.122.4244.256.395.7314.32
    IDBI Bank25.771.524.820.50-6.38-17.037.582.8648.166.681.9715.59
    Bank of Baroda14.160.591.870.1217.89-17.802.082.5849.826.173.0914.99
    IOB39.452.424.900.301.30-27.864.902.1547.176.193.5815.32
    Canara Bank 9.880.575.340.2424.05-29.544.112.1248.875.953.8213.18
    Add More
    Annual Ratios (%)

    Choose from Peers

    • Union Bank India
    • Bank of India
    • Indian Bank
    • Central Bank
    • UCO Bank

    Choose from Stocks

    Peers InsightsPunjab National Bank

    • Stock Returns vs Nifty 100

      Stock gave a 3 year return of -32.12% as compared to Nifty 100 which gave a return of 76.81%. (as of last trading session)

    • Stock Returns vs Nifty Bank

      Stock generated -32.12% return as compared to Nifty Bank which gave investors 61.47% return over 3 year time period. (as of last trading session)

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    Shareholding Pattern

    • QOQ Change

    • Total Shareholdings

    • Showing Shareholding as on 30 Sep 2021
      Category30 Sep 202130 Jun 202131 Mar 202131 Dec 2020
      Promoters73.1573.1576.8776.87
      Pledge0.000.000.000.00
      FII2.212.512.943.81
      DII11.1911.279.079.98
      Mutual Funds2.452.380.920.60
      Others13.4513.0711.129.34
    • Showing Shareholding as on 30 Sep 2021
      CategoryNo. of SharesPercentage% Change QoQ
      Promoters8,05,41,25,68573.15 %0.00
      Pledge00.00 %0.00
      FII24,38,09,7112.21 %-0.30
      DII1,23,33,34,02911.19 %-0.08
      MF27,01,25,8322.45 %0.07
      Others1,47,97,46,13313.45 %0.38

    MF Ownership

    MF Ownership as on 30 September 2021

    F&O Quote

    • Futures

    • Options

      • Expiry

      Price

      43.90-0.75 (-1.68%)

      Open Interest

      18,73,76,000-12,288,000 (-6.56%)

      OpenHighLowPrev CloseContracts TradedTurnover (₹ Lakhs)
      45.4046.2043.6544.657685,523.06

      Open Interest as of 22 Oct 2021

    Corporate Actions

    • Board Meeting/AGM

    • Dividends

    • Others
    • Meeting DateAnnounced onPurposeDetails
      Oct 27, 2021Oct 21, 2021Board MeetingQuarterly Results
      Sep 10, 2021Sep 03, 2021Board MeetingOthers
      Sep 08, 2021Jul 29, 2021EGM-
      Aug 02, 2021Jul 27, 2021Board MeetingQuarterly Results
      Jul 26, 2021Jun 04, 2021AGMBook closure from Jul 20, 2021 to Jul 26, 2021
    • TypeDividendDividend per ShareEx-Dividend DateAnnounced on
      Final165%3.3Jun 22, 2015May 08, 2015
      Interim100%10.0Feb 11, 2014Jan 31, 2014
      Final270%27.0Jun 13, 2013May 09, 2013
      Final220%22.0Jun 14, 2012May 09, 2012
      Final 220%22.0Jun 16, 2011May 04, 2011
    • All TypesEx-DateRecord DateAnnounced onDetails
      SplitsDec 18, 2014Dec 19, 2014Sep 19, 2014Split: Old FV10.0| New FV:2.0

    About PNB

    Punjab National Bank, incorporated in the year 1969, is a banking company (having a market cap of Rs 48,393.41 Crore).Punjab National Bank key Products/Revenue Segments include Interest & Discount on Advances & Bills, Income From Investment, Interest On Balances with RBI and Other Inter-Bank Funds and Interest for the year ending 31-Mar-2021. Show More

    • Executives

    • Auditors

    • SS

      S S Mallikarjuna Rao

      Managing Director & CEO
      SS

      S S Mallikarjuna Rao

      Managing Director & CEO
      AK

      Agyey Kumar Azad

      Executive Director
      AK

      Agyey Kumar Azad

      Executive Director
      Show More
    • M K Aggarwal & Co.
      A John Moris & Co
      PSMG & Associates
      S R Goyal & Co.

    PNB Share Price Update

    Punjab National Bank share price moved up by 2.16% from its previous close of Rs 43.95. Punjab National Bank stock last traded price is 44.90

    Share PriceValue
    Today/Current/Last44.90
    Previous Day43.95

    Trending in Markets

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