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 is projected to see a decline in revenue compared to last year, which could lead to investor caution. A drop in earnings is often viewed as a negative signal for profitability, making it more difficult for the company to maintain investor confidence in its financial health.

Financial Ratios:

currentRatio 0.000000
forwardPE 7.845069
debtToEquity 0.000000
earningsGrowth 0.045000
revenueGrowth -0.056000
grossMargins 0.000000
operatingMargins 0.459710
trailingEps 14.840000
forwardEps 14.050000

PNB's low earnings and revenue growth suggest that the company's profits may shrink. This trend could indicate underlying financial struggles and pose challenges for PNB's future profitability.
PNB's negative gross and operating margins point to financial difficulties, as the company is unable to generate profit from its core operations or production. This could signal broader problems in cost management or declining sales.
PNB's lower forward EPS compared to its trailing EPS indicates that the company may be less profitable in the upcoming year. This suggests a potential slowdown in earnings, which could be a sign of weaker financial performance ahead.

Price projections:

Price projections for PNB
Price projections for PNB

PNB's price projections have been gradually revised upward, reflecting increased confidence in the company's future performance. This trend suggests analysts expect PNB to achieve greater success in the coming periods.

Recommendation changes over time:

Recommendations trend for PNB
Recommendations trend for PNB


Analysts have shown a buy bias for Punjab National Bank, signaling it as a strong investment choice. This positive outlook could motivate investors to allocate funds to Punjab National Bank, seeing it as a reliable and potentially profitable option, especially in an environment where the stock market is highly scrutinized.