ScoreWhy is Punjab National Bank ?
1
Strong Long Term Fundamental Strength with a 128.40% CAGR growth in Net Profits
2
Healthy long term growth as Net profit has grown by an annual rate of 128.40%
3
Flat results in Sep 25
- NII(Q) Lowest at Rs 10,468.80 cr
- NON-OPERATING INCOME(Q) is 65.95 % of Profit Before Tax (PBT)
4
With ROA of 0.8, it has a Attractive valuation with a 1 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 11.69%, its profits have risen by 22.4% ; the PEG ratio of the company is 0.5
5
High Institutional Holdings at 21.21%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.62% over the previous quarter.
6
Consistent Returns over the last 3 years
- Along with generating 11.69% returns in the last 1 year, the stock has outperformed BSE500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Punjab Natl.Bank should be less than 10%
- Overall Portfolio exposure to Public Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Punjab Natl.Bank for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Punjab Natl.Bank
11.55%
0.44
26.63%
Sensex
4.78%
0.40
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
11.51%
Net Profit Growth (5y)
128.40%
Advance to Deposit
66.62%
Capital Adequacy Ratio (Tier 1)
12.95%
Gross NPA (latest)
3.45%
Gross NPA (avg)
7.80%
Coverage Ratio (avg)
77.93%
Cost to Income (avg)
51.91%
Net Interest Margin (avg)
2.67%
Operating Profit to Assets (avg)
3.46%
ROA (avg)
0.46%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Price to Book Value
1.01
PEG Ratio
0.51
Dividend Yield
2.43%
ROE (Latest)
11.53%
ROA (Latest)
0.83%
Net NPA to Book Value
2.96
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
GROSS NPA(Q)
Lowest at 3.45%
NET NPA(Q)
Lowest at 0.36%
CREDIT DEPOSIT RATIO(HY)
Highest at 70.11%
PAT(Q)
Highest at Rs 4,903.73 cr.
EPS(Q)
Highest at Rs 4.27
-6What is not working for the Company
NII(Q)
Lowest at Rs 10,468.80 cr
NON-OPERATING INCOME(Q)
is 65.95 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Punjab Natl.Bank
Gross NPA - Quarterly
Lowest at 3.45% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net NPA - Quarterly
Lowest at 0.36% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Profit After Tax (PAT) - Quarterly
Highest at Rs 4,903.73 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 4,903.73 cr has Grown at 30.3% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 3,763.42 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 4.27
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Credit Deposit Ratio - Half Yearly
Highest at 70.11%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Punjab Natl.Bank
Net Interest Income (Quarterly)
Lowest at Rs 10,468.80 cr
in the last five quartersMOJO Watch
The bank's income from core business is falling
Net Interest Income (Rs Cr)
Non Operating Income - Quarterly
is 65.95 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
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