Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Banks - Regional

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; and housing, vehicle, education, personal, gold, and mortgage and other loans. The company also provides various micro, small, and medium enterprises schemes and loans; banking products for government customers; agricultural schemes and loans; corporate banking products and services consist 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 life and general insurance services; and depository, mutual funds, merchant banking, and application supported by blocked amount services. Further, the company provides mobile and internet banking, SMS banking, missed call, e-statement, ATM, passbook updating machine, and electronic cheque deposit machine services; and point of sale (PoS) is the payment acceptance solutions, as well as debit and credit cards. It operates a network of branches in India; and branch in Dubai, as well as representative offices in Bangladesh and Myanmar. Punjab National Bank was incorporated in 1895 and is headquartered in New Delhi, India.

Revenue projections:

Revenue projections for PNB
Revenue projections for PNB

Investors are expected to be cautious with PNB, as its revenues are projected to fall compared to last year. A decline in revenue often results in a negative impact on profitability, prompting concerns about the company's financial stability and making investors more conservative in their approach.

Financial Ratios:

currentRatio 0.00000
forwardPE 6.92653
debtToEquity 0.00000
earningsGrowth 0.89100
revenueGrowth 0.44600
grossMargins 0.00000
operatingMargins 0.47184
trailingEps 15.10000
forwardEps 14.05000

PNB's positive earnings and revenue growth indicate that the company is expected to continue expanding its business. These trends reflect strong financial health, with increasing profits and sales suggesting sustained growth and success for PNB.
PNB's forward EPS, being lower than its trailing EPS, points to an expected decline in profitability. This suggests that the company's financial performance may weaken in the upcoming year.

Price projections:

Price projections for PNB
Price projections for PNB

Over time, PNB's price projections have been revised higher, signaling growing confidence in the company's future. This upward trend suggests analysts anticipate strong performance and increased market value for PNB.

Recommendation changes over time:

Recommendations trend for PNB
Recommendations trend for PNB


The recent buy bias from analysts suggests PNB is seen as a strong investment, encouraging more investors to consider it. With this favorable sentiment, PNB appears to be a reliable option for parking money, offering stability and long-term growth potential in the stock market.