Punjab National Bank
NSE: PNB · Public Sector Bank · sector
₹120.89NSE close 2026-10-26
Key numbers
Market cap₹1,38,938 cr
Price₹120.89
52w high / low₹135 / ₹98
P/E6.6xSector median 7.5x
P/B0.9xSector median 0.9x
Book value₹132.9
Dividend yield2.39%Sector median 2.66%
ROE14.6%Sector median 15.4%
ROA1.02%Sector median 0.99%
Gross NPA2.55%
Net NPA0.25%
CET114.44%
Sales growth 3y+14.6%Sector median +14.5%
Profit growth 3y+88.9%Sector median +31.2%
PEG0.08x
Last 12 months to Sep 2026, Standalone. "Sector median" = middle value of 12 companies in Public Sector Bank (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- No promoter shares are pledged.
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- Dividend paid in 4 of the last 5 financial years.
- Price ₹120.89 on 2026-10-26: -10.6% from the 52-week high, +22.7% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹129.59 · low ₹87.29
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 31,340 | 31,989 | 31,964 | 31,872 | 32,231 | 32,157 | 32,897 | 34,585 |
| Net interest income | 11,032 | 10,757 | 10,578 | 10,469 | 10,533 | 10,380 | 10,798 | 11,601 |
| Operating profit | 6,621 | 6,776 | 7,081 | 7,227 | 7,481 | 7,500 | 7,519 | 7,532 |
| Other income | 3,412 | 4,716 | 5,268 | 4,342 | 5,022 | 4,162 | 4,333 | 3,601 |
| Net profit | 4,508 | 4,567 | 1,675 | 4,904 | 5,100 | 5,225 | 5,253 | 5,532 |
| EPS (₹) | 3.92 | 3.97 | 1.46 | 4.27 | 4.44 | 4.55 | 4.57 | 4.81 |
| Gross NPA % | 4.09 | 3.95 | 3.78 | 3.45 | 3.19 | 2.95 | 2.78 | 2.55 |
| Net NPA % | 0.41 | 0.40 | 0.38 | 0.36 | 0.32 | 0.29 | 0.28 | 0.25 |
| Revenue YoY | +2.8% | +0.5% | +2.9% | +8.5% | ||||
| Profit YoY | +13.1% | +14.4% | +213.6% | +12.8% |
Standalone figures where filed. Latest quarter Sep 2026.
Profit & loss (yearly)
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 74,880 | 85,144 | 1,06,902 | 1,21,761 | 1,28,223 | 1,31,870 |
| Net profit | 3,457 | 2,507 | 8,245 | 16,630 | 16,904 | 21,111 |
| EPS (₹) | 3.16 | 2.28 | 7.49 | 14.77 | 14.71 | 18.37 |
| Revenue growth | +13.7% | +25.6% | +13.9% | +5.3% | +3.7% | |
| Profit growth | -27.5% | +228.8% | +101.7% | +1.6% | +34.9% | |
| Dividend / share (₹) | – | 0.64 | 0.65 | 1.50 | 2.90 |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | +14.6% | +9.7% | +3.7% |
| Net profit | +88.9% | +52.9% | +34.9% |
| EPS | +86.2% | +47.9% | – |
| Share price | – | +9.4% (2y) | +4.1% |
Balance sheet
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Shareholders' equity | – | – | 1,06,477 | 1,27,362 | 1,42,650 |
| Borrowings | – | – | 50,430 | 83,777 | 82,314 |
| Cash & equivalents | – | – | 0 | 0 | 0 |
| Total assets | – | – | 15,61,835 | 18,18,171 | 19,85,892 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Cash from operations | 20,364 | 21,780 | -27,895 | 22,272 | 26,302 |
| Cash from investing | -1,107 | -682 | -1,539 | -1,534 | -1,416 |
| Cash from financing | 2,041 | 1,364 | 3,430 | -1,123 | -11,659 |
| Capex | 0 | 0 | 0 | 0 | 0 |
| Free cash flow | 20,364 | 21,780 | -27,895 | 22,272 | 26,302 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| ROE % | – | – | 7.7% | 13.1% | 11.8% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 70.08% |
| FIIs | 6.66% |
| DIIs | 16.13% |
| of which Mutual funds | 6.14% |
| of which Insurance | 9.98% |
| Government | 0.00% |
| Public (non-institutions) | 7.13% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 70.08% | 70.08% | 70.08% | 70.08% | 70.08% | 70.08% | 70.08% | 70.08% |
| Promoter group | % |
|---|---|
| Central Government (President Of India) | 70.08% |
| Public holders above 1% | % |
|---|---|
| Lici Market Plus Growth Fund | 9.38% |
| SBI BSE Sensex Next 50 ETF | 2.26% |
21,57,907 shareholders. Pledged: 0.00% of promoter shares.
Peers in Public Sector Bank
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| SBIN | ₹8,86,876 cr | 10.8x | 1.6x | 16.6% | 1.08% | 1.47% | +13.3% | 1.60% |
| PNB | ₹1,38,938 cr | 6.6x | 0.9x | 14.6% | 1.02% | 2.55% | +14.6% | 2.39% |
| UNIONBANK | ₹1,38,321 cr | 6.5x | 1.0x | 16.3% | 1.32% | 2.42% | +9.5% | 2.62% |
| BANKBARODA | ₹1,20,121 cr | 7.2x | 0.8x | 11.6% | 0.83% | 1.99% | +12.3% | 3.59% |
| INDIANB | ₹1,11,798 cr | 8.7x | 1.3x | 16.1% | 1.20% | 1.61% | +14.5% | 1.96% |
| CANBK | ₹1,05,864 cr | 5.4x | 0.9x | 17.0% | 0.97% | 1.33% | +14.4% | 3.43% |
| MAHABANK | ₹58,548 cr | 7.9x | 1.8x | 24.2% | 1.74% | 1.45% | +22.6% | 3.28% |
| IOB | ₹58,502 cr | 10.2x | 1.6x | 16.4% | 1.22% | 1.33% | +18.0% | – |
| BANKINDIA | ₹57,519 cr | 5.1x | 0.7x | 13.6% | 0.97% | 1.81% | +16.4% | 3.20% |
| UCOBANK | ₹27,574 cr | 9.2x | 0.8x | 8.9% | 0.71% | 1.96% | +20.6% | – |
Business segments (FY26)
| Segment | Revenue | Share | EBIT | Margin |
|---|---|---|---|---|
| Corporate / Wholesale Banking | ₹56,157 cr | 38.2% | ₹12,131 cr | 21.6% |
| Retail Banking | ₹43,707 cr | 29.7% | ₹9,561 cr | 21.9% |
| Treasury Operations | ₹43,230 cr | 29.4% | ₹11,128 cr | 25.7% |
| Other Banking Operations | ₹3,924 cr | 2.7% | ₹1,000 cr | 25.5% |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2026-06-12 | Dividend | Dividend - Rs 3 Per Share |
| 2025-06-20 | Dividend | Dividend - Rs 2.90 Per Share |
| 2024-06-21 | Other | Annual General Meeting |
| 2024-06-21 | Dividend | Dividend - Rs 1.50 Per Share |
| 2023-06-23 | Dividend | Annual General Meeting/Dividend - Rs 0.65 Per Share |
| 2022-06-22 | Dividend | Annual General Meeting/Dividend - Rs 0.64 Per Share |
| 2021-07-16 | Other | Annual General Meeting |
| 2020-07-27 | Other | Annual General Meeting |
| 2019-07-04 | Other | Annual General Meeting |
| 2018-09-10 | Other | Annual General Meeting |
| 2017-06-21 | Other | Annual General Meeting |
| 2016-06-23 | Other | Annual General Meeting |
| 2015-06-22 | Dividend | Annual General Meeting/ Dividend - Rs 3.30/- Per Share |
| 2014-12-18 | Split | Face Value Split (Sub-Division) - From Rs 10/- Per Share To Rs 2/- Per Share |
| 2014-06-20 | Other | Annual General Meeting |
| 2014-02-11 | Dividend | Interim Dividend Rs.10/- Per Share |
| 2013-06-13 | Dividend | Annual General Meeting / Final Dividend Rs.27 Per Equity Share |
| 2012-06-14 | Dividend | Annual General Meeting And Dividend Rs.22/- Per Share |
| 2011-06-16 | Dividend | Annual General Meeting And Dividend Rs.22/- Per Share |
| 2010-07-08 | Dividend | Annual General Meeting And Final Dividend Rs.12/- Per Share |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Annual report FY23
- Annual report FY22
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Banking and Financial Services: The Bank provides all banking products and financial services including acceptance of various kinds of deposits like savings, term, current, recurring deposits etc. and credit financing. It includes the following: (i) Retail Banking - Comprises of borrower accounts having exposure less than ₹7.50Crores.
- Banking and Financial Services: (ii) Corporate/ Wholesale Banking - Comprises of lending activities of borrowers having exposure of ₹7.50Crores and above.
- Banking and Financial Services: (iii) Treasury – Includes the entire investment portfolio, trading in foreign exchange contracts and derivative contracts etc. The revenue under this segment primarily consists of fees and gains or losses from trading operations and interest/dividend income on the investment portfolio.
- Banking and Financial Services: (iv) Other Banking Operations - Segments not classified under (i) to (iii) above are classified under this primary segment.
| Sector | Financial Services |
| Industry | Public Sector Bank |
| Sub-industry | Public Sector Bank |
| Symbol | PNB |
| BSE code | 532461 |
| ISIN | INE160A01022 |
| Face value | ₹2.0 |
| Incorporated | 1969-07-19 |
| Website | www.pnb.bank.in |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.