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

PNB's revenue is projected to decrease from last year, a development that could lead investors to adopt a more cautious approach. A revenue decline can negatively affect profitability, signaling challenges for the company and making it less attractive for those seeking solid financial performance.

Financial Ratios:

currentRatio 0.000000
forwardPE 6.763217
debtToEquity 0.000000
earningsGrowth -0.490000
revenueGrowth 0.188000
grossMargins 0.000000
operatingMargins 0.440650
trailingEps 14.650000
forwardEps 14.050000

PNB's low earnings and revenue growth point to a potential decline in profits. This signals a downturn in financial performance, suggesting that the company might face challenges in maintaining its current level of profitability.
PNB's negative gross and operating margins point to losses in both production and operations. This suggests the company is facing financial challenges and may need to address cost management or improve revenue generation.
PNB's forward EPS is lower than its trailing EPS, indicating the company may experience reduced profitability. This signals that the company's earnings growth could slow down in the near future.

Price projections:

Price projections for PNB
Price projections for PNB

Punjab National Bank's price projections have gradually increased over time, indicating that analysts are becoming more optimistic about the company's prospects. This suggests confidence in Punjab National Bank's ability to achieve future growth.

Recommendation changes over time:

Recommendations trend for PNB
Recommendations trend for PNB


Analysts' recent buy bias toward Punjab National Bank suggests the stock is gaining favor as a strong investment choice. This optimism could drive more investors to see Punjab National Bank as a smart place to invest, further bolstering confidence in the company's long-term growth and potential returns.