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 may react cautiously to news that Punjab National Bank's revenues are forecasted to be lower than last year's. Such declines are likely to have a negative effect on the company's bottom line, which can lead to concerns about profitability and hinder investor confidence in the company's future 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

With both earnings and revenue growth in low territory, PNB is likely to see shrinking profits. This signals a possible downturn in the company's financial health and may raise concerns about its future profitability.
PNB's negative gross and operating margins reflect unprofitability, suggesting the company is unable to generate revenue sufficient to cover its costs. This could indicate deeper financial challenges or declining efficiency.
PNB's forward EPS being lower than its trailing EPS suggests the company is expected to see reduced profitability in the current financial year compared to the previous one. This signals a potential decline in earnings, raising concerns about future financial performance.

Price projections:

Price projections for PNB
Price projections for PNB

PNB's price projections have been revised higher over time, reflecting increased confidence in the company's future potential. This steady upward trend suggests analysts expect PNB to continue its positive trajectory.

Recommendation changes over time:

Recommendations trend for PNB
Recommendations trend for PNB


PNB has received a favorable buy bias from analysts recently, positioning it as a solid investment opportunity. This sentiment may attract more investors, who view PNB as a stable option to park their money and potentially benefit from the company's continued growth and profitability.