Punjab National Bank

NSEI:PNB Stock Report

Market Cap: ₹1.4t

Punjab National Bank Past Earnings Performance

Past criteria checks 4/6

Punjab National Bank has been growing earnings at an average annual rate of 49.1%, while the Banks industry saw earnings growing at 35.2% annually. Revenues have been growing at an average rate of 22.8% per year. Punjab National Bank's return on equity is 12%, and it has net margins of 33%.

Key information

49.07%

Earnings growth rate

47.43%

EPS growth rate

Banks Industry Growth37.99%
Revenue growth rate22.78%
Return on equity11.97%
Net Margin32.98%
Last Earnings Update30 Sep 2025

Recent past performance updates

Recent updates

Here's Why We Think Punjab National Bank (NSE:PNB) Might Deserve Your Attention Today

Jul 25
Here's Why We Think Punjab National Bank (NSE:PNB) Might Deserve Your Attention Today

Punjab National Bank (NSE:PNB) Is Increasing Its Dividend To ₹2.90

Jun 20
Punjab National Bank (NSE:PNB) Is Increasing Its Dividend To ₹2.90

Punjab National Bank (NSE:PNB) Is Paying Out A Larger Dividend Than Last Year

May 11
Punjab National Bank (NSE:PNB) Is Paying Out A Larger Dividend Than Last Year

If EPS Growth Is Important To You, Punjab National Bank (NSE:PNB) Presents An Opportunity

Dec 05
If EPS Growth Is Important To You, Punjab National Bank (NSE:PNB) Presents An Opportunity
User avatar

Tactical Focus On RAM Portfolio And Asset Quality Fuels Earnings Growth For The Bank's Future

Focus on improving asset quality and RAM portfolio growth aims to enhance profitability and increase revenue through higher-yield segments.

Revenue & Expenses Breakdown

How Punjab National Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NSEI:PNB Revenue, expenses and earnings (INR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 25516,516170,355271,6770
30 Jun 25524,945166,243281,5850
31 Mar 25499,901184,803275,2480
31 Dec 24515,222168,332269,5150
30 Sep 24469,097144,650258,4540
30 Jun 24464,480117,410242,8760
31 Mar 24421,40791,072242,1870
31 Dec 23368,72376,293229,3960
30 Sep 23344,34959,048232,2530
30 Jun 23310,94844,088222,4770
31 Mar 23274,05033,485203,0520
31 Dec 22235,60618,224175,4960
30 Sep 22228,92723,640164,0230
30 Jun 22232,20629,741165,9230
31 Mar 22241,66738,607169,9740
31 Dec 21244,73442,233174,3160
30 Sep 21232,62737,207170,4540
30 Jun 21228,98431,926168,6410
31 Mar 21226,68225,620172,1360
31 Dec 20202,86710,407145,4350
30 Sep 20169,219-916133,6060
30 Jun 20142,893-980117,8490
31 Mar 20125,1384,384101,5060
31 Dec 19119,395-33,545100,6260
30 Sep 19126,864-25,316101,9040
30 Jun 19-2,977-76,35973,0060
31 Mar 1916,629-95,70199,2460
31 Mar 1810,583-121,134119,6150
31 Mar 17110,63711,87279,1830
31 Mar 1666,866-36,89888,6200
31 Mar 15141,50433,99694,6970

Quality Earnings: PNB has high quality earnings.

Growing Profit Margin: PNB's current net profit margins (33%) are higher than last year (30.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PNB has become profitable over the past 5 years, growing earnings by 49.1% per year.

Accelerating Growth: PNB's earnings growth over the past year (17.8%) is below its 5-year average (49.1% per year).

Earnings vs Industry: PNB earnings growth over the past year (17.8%) exceeded the Banks industry 12.5%.

Return on Equity

High ROE: PNB's Return on Equity (12%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/11/07 11:36
End of Day Share Price 2025/11/07 00:00
Earnings2025/09/30
Annual Earnings2025/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Punjab National Bank is covered by 58 analysts. 18 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullAnand Rathi Shares and Stock Brokers Limited
Clyton FernandesAnand Rathi Shares and Stock Brokers Limited
null nullAntique Stockbroking Ltd.