Stocktoria
Punjab National Bank PNB.NS
Punjab National Bank statistics & valuation
Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (₹216.74); a green figure means the price is below it.
Profitability & efficiency
Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).
P / E vs its own history
Punjab National Bank trades at about 7.4× earnings — below its 10-year norm (10-year range 6.1×–17.2×, median 17.1×).
Shaded band = 10-year range (6.1×–17.2×); dot = today's 7.4×.
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2026 | FY2025 | FY2024 | FY2023 |
|---|---|---|---|---|
| Net margin | 29.4% | 30.9% | 16.5% | 7.1% |
| FCF margin | 38.3% | 34.3% | -52.7% | 46.8% |
| Return on assets | 0.9% | 1.0% | 0.6% | 0.2% |
| Return on equity | 12.3% | 13.9% | 8.3% | 3.3% |
Computed from company filings · IN · as of 2026-03-31. Figures in INR. Facts plus Stocktoria's own computed scores — not investment advice.