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 6.908194
debtToEquity 0.000000
earningsGrowth 0.428000
revenueGrowth -0.495000
grossMargins 0.000000
operatingMargins -0.313830
trailingEps 16.420000
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 indicate that the company is not generating profit from either production or day-to-day operations. This could suggest cost overruns or declining revenue, impacting its financial stability.
Punjab National Bank's forward EPS is less than its trailing EPS, signaling that the company's profitability is expected to shrink. This points to a potential downturn in earnings compared to last year.

Price projections:

Price projections for PNB
Price projections for PNB

Price projections for PNB have gradually risen over time, signaling increased optimism about the company's future prospects. This steady upward revision reflects growing confidence in PNB's market potential.

Recommendation changes over time:

Recommendations trend for PNB
Recommendations trend for PNB


The recent buy bias for Punjab National Bank from analysts signals strong confidence in the stock's potential. This positive sentiment could encourage investors to see Punjab National Bank as a smart place to invest their money, especially those looking for stable, long-term returns in a well-established company.