PNB:NSE-Punjab National Bank (INR)

COMMON STOCK | Banks-Regional | NSE

Last Closing Price

INR 42.55

Change

0.00 (0.00)%

Market Cap

INR 468.52B

Volume

0.13B

Avg Analyst Target

INR 44.00 (+3.41%)

Avg User Target

INR
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Punjab National Bank provides various banking and financial products and services in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers personal banking products and services, including saving fund accounts, current accounts, fixed deposit, and capital gain account and gold monetization schemes; housing, vehicle, education, personal, and mortgage loans; and cards. The company also provides various micro, small, and medium enterprises schemes; banking products for government customers; agricultural banking services; corporate banking products and services consisting of loans against future lease rentals, working capital financing, and term loans; EXIM finance and cash management services, as well as gold card schemes for exporters; and international banking products and services. In addition, it offers insurance services, such as life, fire, motor vehicle, marine, theft/burglary, fidelity guarantee, personal accident, health, travel, house hold goods, etc.; and depository, mutual fund, merchant banking, and application supported by blocked amount services. Further, the company provides mobile banking, SMS banking, missed call, e-statement, ATM, cash deposit machine, passbook updating machine, and electronic cheque deposit machine services, as well as debit cards. As of March 31, 2021, it operated a network of 10,769 branches in India; and 2 branches comprising 1 in Hong Kong and 1 in Dubai, as well as 2 representative offices in Bangladesh and Myanmar. The company was founded in 1895 and is headquartered in New Delhi, India. Address: Plot No. 4, New Delhi, India, 110075

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-10-16 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDFCBANK:NSE HDFC Bank Limited

N/A

INR9,343.89B 28.46 N/A
ICICIBANK:NSE ICICI Bank Limited

N/A

INR5,043.93B 25.37 N/A
SBIN:NSE State Bank of India

N/A

INR4,378.41B 17.51 N/A
KOTAKBANK:NSE Kotak Mahindra Bank Limited

N/A

INR4,001.48B 40.38 N/A
AXISBANK:NSE Axis Bank Limited

N/A

INR2,459.72B 28.88 N/A
INDUSINDBK:NSE IndusInd Bank Limited

N/A

INR936.68B 26.54 N/A
IDBI:NSE IDBI Bank Limited

N/A

INR673.10B 33.69 N/A
BANDHANBNK:NSE Bandhan Bank Limited

N/A

INR520.90B 25.66 N/A
BANKBARODA:NSE Bank of Baroda

N/A

INR458.96B 12.49 N/A
IOB:NSE Indian Overseas Bank

N/A

INR429.08B 35.92 N/A

ETFs Containing PNB

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 22.27% 42% F 28% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 22.27% 42% F 28% F
Trailing 12 Months  
Capital Gain 55.01% 39% F 31% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 55.01% 39% F 30% F
Trailing 5 Years  
Capital Gain -68.86% 10% F 12% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -68.86% 10% F 11% F
Average Annual (5 Year Horizon)  
Capital Gain -22.31% 12% F 5% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -22.31% 12% F 5% F
Risk Return Profile  
Volatility (Standard Deviation) 32.19% 76% C 81% B-
Risk Adjusted Return -69.30% 15% F 4% F
Market Capitalization 468.52B 76% C 94% A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 13.36 66% D 68% D+
Price/Book Ratio 0.46 88% B+ 90% A-
Price / Cash Flow Ratio -1.36 44% F 82% B-
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 3.56% 24% F 37% F
Return on Invested Capital -1.20% 53% F 22% F
Return on Assets 0.26% 24% F 27% F
Debt to Equity Ratio 56.52% 69% D+ 23% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 1.19 29% F 28% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.