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PUNJAB NATIONAL BANK
Intrinsic Value | Fundamental Analysis

BOM : 532461     NSE : PNB    
LT :  
    Long Term Analysis
Fundamentals : Good
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Mild Upward
Pledged Shares : None or < 25%
Dec 13,2024
Price(EOD): ₹ 107.75
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Public
MCap: ₹ 123,836.00 Cr
Value of ₹ 1 Lac invested in PUNJAB NATIONAL BANK
on Dec 16,2019 (price: ₹ 63.65)

₹ 1 L

₹ 1.69 L

1W : -0.9% 1M : 3.8% 1Y : 21.9%
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PUNJAB NATIONAL BANK -0.9% 3.8% 21.9%
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UNION BANK OF INDIA -1.5% 6.9% 7.3%
INDIAN OVERSEAS BANK -3.1% 8.5% 32.3%
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INDIAN BANK -4.1% 1.5% 34.2%
BANK OF INDIA -2.5% 3.9% -4.5%
UCO BANK -5.4% 7.1% 20.1%

FUNDAMENTAL ANALYSIS OF PUNJAB NATIONAL BANK

 
Fundamentals Score
[ Q(TTM): Sep2024, Y: Mar2024
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF PUNJAB NATIONAL BANK

 
Valuation Score
[As on : Dec 13,2024 ]

Ratio Consolidated
P/E
P/B
P/S
9.17
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 13,501.70 Cr
[Latest Qtr - Sep2024 - Consolidated Results ]

1.12
P/B Calculated based on Book Value of Rs 110,387.00 Cr
[Latest Year - Mar2024 - Consolidated Results ]

1.07
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 116,126.00 Cr
[Latest Qtr - Sep2024 - Consolidated Results ]

Financial Ratios →

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FAIR VALUE OF PUNJAB NATIONAL BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
4935%
113%
592%

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SHARE PRICE MOMENTUM OF PUNJAB NATIONAL BANK



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NPA

Year Net NPA/Advances ratio
Consolidated
2024
2023
2022
Avg_3yrs
0
2.72
4.8
2.51

PLEDGED PROMOTER SHARES OF PUNJAB NATIONAL BANK

Pledged Promoter Shares
0 %
As on : Dec2023

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF PUNJAB NATIONAL BANK

Consolidated Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
4.47%
5.34%
17%
19.26%
13.37%
12.34%
142.19%
151.17%
QtrlyTrend
8
Latest Qtr: Sep2024
Quarterly Result Analysis →


PUNJAB NATIONAL BANK related INDICES

BSE Indices1W1M1Y
S&P BSE CARBONEX 1.5% 1.4% 34.5%
S&P BSE FINANCE 0.4% 4.1% 16.6%
S&P BSE 100 0.3% 3.1% 21.8%
S&P BSE 100 LARGECAP TMC 0.3% 2.9% 20.7%
S&P BSE 200 0.3% 3.1% 23.2%
NSE Indices1W1M1Y
NIFTY LARGE MIDCAP 250 0.3% 3.8% 27%
NIFTY 200 0.3% 3.3% 23.6%
NIFTY 100 0.2% 2.8% 21.9%
NIFTY 500 0.2% 3.4% 24.9%
NIFTY BANK 0.1% 3.3% 13.4%

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FAQ about PUNJAB NATIONAL BANK


Is PUNJAB NATIONAL BANK good for long term investment?

As on Dec 13,2024, the Fundamentals of PUNJAB NATIONAL BANK look Strong and hence it may be good for long term investment! See Financial Performance of PUNJAB NATIONAL BANK. Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is PUNJAB NATIONAL BANK UnderValued or OverValued?

As on Dec 13,2024, PUNJAB NATIONAL BANK is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of PUNJAB NATIONAL BANK ?

As on Dec 13,2024, the Intrinsic Value of PUNJAB NATIONAL BANK is Rs. 15.56 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 2.14
Fair Value [Median EV / Sales Model] : Rs. 50.48
Fair Value [Median Price / Sales Model] : Rs. 15.56
Estimated Median Fair Value of PUNJAB NATIONAL BANK : Rs. 15.56

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is PUNJAB NATIONAL BANK trading at a Premium or Discount?

As on Dec 13,2024, PUNJAB NATIONAL BANK is trading at a Premium of 593% based on the estimates of Median Intrinsic Value!