Punjab National Bank
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Punjab National Bank's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 33% in 3 years; of every extra ₹100 of sales, ₹97 became extra profit. Higher than 92% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 56% of Financial Services companies in India.
Growth Efficiency Ratio
₹97Sales grew 33% in 3 years; of every extra ₹100 of sales, ₹97 became extra profit.
Higher than 92% of Financial Services companies in India.
Asset Productivity Ratio
+33% / +36%In 3 years sales changed by +33% while total assets changed by +36%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 70% of Financial Services companies in India.
Tangible Net Worth Ratio
100%Of every ₹100 of net worth, ₹100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 52% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Punjab National Bank owes ₹0.92 for every ₹1 it owns. Net profit fell 0% in the year to Mar 2026, and grew 76% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
6.6Investors pay ₹6.6 for every ₹1 of Punjab National Bank's yearly profit, lower than 87% of Financial Services companies in India.
P/B ratio
0.90The share price is 0.90 times Punjab National Bank's book value per share, lower than 72% of Financial Services companies in India.
Market cap
₹140,789 CrThe total market value of all of Punjab National Bank's shares at today's price (share price × number of shares), larger than 96% of Financial Services companies in India. PosiCap size class: Tito Cap.
Net worth (book value)
₹156,347 CrWhat Punjab National Bank would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
₹136.04Net worth divided by the number of shares. The share price of ₹122.50 is 0.9 times this, which is the P/B above.
Return on equity (ROE)
15.0%Punjab National Bank earned 15.0% on its shareholders' money over the last year, higher than 74% of Financial Services companies in India.
Owes vs Owns
0.92×Punjab National Bank owes ₹0.92 for every ₹1 it owns (high), higher than 92% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
2.53%Punjab National Bank pays 2.53% of its share price as dividends a year, higher than 84% of dividend-paying Financial Services companies in India.
Revenue growth
+5%Revenue rose 5% in the year to Mar 2026, and grew 10% a year on average over 3 years.
Profit growth
-0%Net profit fell 0% in the year to Mar 2026, and grew 76% a year on average over 3 years.
Profit margin
29.4%Punjab National Bank keeps ₹29 of every ₹100 of revenue as net profit.
Questions
What is Punjab National Bank's P/E ratio?
Investors pay ₹6.6 for every ₹1 of Punjab National Bank's yearly profit, lower than 87% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Punjab National Bank: ₹140,789 Cr ÷ ₹156,347 Cr (30 Jun 2026) = 0.9.
What is Punjab National Bank's return on equity?
Punjab National Bank earned 15.0% on its shareholders' money over the last year, higher than 74% of Financial Services companies in India.
How much does Punjab National Bank owe compared with what it owns?
Punjab National Bank owes ₹0.92 for every ₹1 it owns (high), higher than 92% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does Punjab National Bank pay a dividend?
Yes. Punjab National Bank pays 2.53% of its share price as dividends a year, higher than 84% of dividend-paying Financial Services companies in India.
Is Punjab National Bank's revenue growing?
Revenue rose 5% in the year to Mar 2026, and grew 10% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.