Punjab National Bank financials

Latest results Q2 FY27 · Jul–Sep 2026
Total income
₹38,791cr+5.7% on Q2 FY26
Net interest income
₹11,803cr+10.8% on Q2 FY26
Net profit
₹5,561cr+14.7% on Q2 FY26
EPS
₹5.13+15.0% on Q2 FY26

Quarterly results

Every quarter ›
₹ croreQ2 FY27Q2 FY26Change
Total income38,79136,684+5.7%
Net interest income11,80310,655+10.8%
Operating profit7,5647,155+5.7%
Net profit5,5614,849+14.7%
EPS₹5.13₹4.46+15.0%

Over time

Q2 FY27 · Jul–Sep 2026latest
Total income₹38,791 crNet profit₹5,561 crNet interest margin2.2%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
1,38,272————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
1,34,5431,30,7721,24,0101,09,06586,845
—+5.5%+13.7%+25.6%—
44,11342,70343,30640,530—
—−1.4%+6.8%——
2.2%2.2%2.5%2.5%—
30,31829,56527,20325,05122,932
21,31517,09617,4408,3293,069
—−2.0%+109.4%+171.4%—
₹19.89₹16.00₹16.08₹7.92₹2.91
—−0.5%+102.9%+172.0%—
13.0%13.0%15.2%8.3%—
Balance sheet & asset quality
17,92,78017,24,79515,77,02013,79,225—
13,23,83012,37,98010,86,2739,41,762—
—3.0%4.0%5.7%—
—0.3%0.4%0.7%—
Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

PNB₹120.31

Punjab National Bank

· Banking & Finance
₹ CrorePeersSBINBANKBARODACANBKUNIONBANKCHOLAFINSHRIRAMFINSBILIFEJIOFINMcap ₹1.38L Cr
HighlightsMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————1,38,271.7
Interest Earned86,845.31,09,064.61,24,009.91,30,772.11,34,543.4
Growth %, YoY—+25.6+13.7+5.5—
Net Interest Income—40,530.443,306.042,702.744,112.9
Growth %, YoY——+6.8-1.4—
NIM %, on assets—2.542.512.202.20
Operating Profit (PPOP)22,932.225,050.927,202.529,564.930,317.9
Net Income3,069.38,328.917,439.617,095.821,315.2
Growth %, YoY—+171.4+109.4-2.0—
EPS, Adj (current shares)2.917.9216.0816.0019.89
Growth %, YoY—+172.0+102.9-0.5—
ROE %—8.2515.1812.9912.99
Balance Sheet & Asset Quality
Deposits—13,79,225.215,77,019.917,24,795.417,92,780.0
Advances—9,41,762.510,86,273.112,37,980.113,23,830.4
Gross NPA %—5.733.952.95—
Net NPA %—0.730.400.29—
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). NPA/CAR sourced from bank-level (standalone) filings. No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

PNB financials and key ratios

Prices at the 29 October 2026 close · figures from the company's filings with NSE

Punjab National Bank (NSE: PNB) had a market capitalisation of ₹1,42,398 crore at the 29 October 2026 close (₹123.90 a share), a PE ratio of 6.2 on the last four quarters' profit and a price-to-book ratio of 0.88. In FY26 its standalone net profit was ₹16,904 crore on net interest income of ₹41,960 crore; in Q2 FY27 (July–September 2026) it was ₹5,532 crore, up 12.8% year on year. Gross NPAs were 2.55% of advances on 30 September 2026. Promoters held 70.08% of the shares on 30 September 2026.

PNB Q2 FY27 results
filed 16 October 2026
Share price used
₹123.90 · 29 October 2026 close
Latest balance sheet
30 September 2026
Shareholding pattern
30 September 2026

PNB at a glance · consolidated

Market cap
₹1,42,398 Crat ₹123.90 · 29 Oct close
PE ratio (last 4 quarters)
6.27.7 on FY26 profit
Price to book (PB)
0.88book value ₹140.07 a share
ROE (FY26)
13.0%−2.2 pts vs FY25
Gross NPA
2.55%3.45% in Q2 FY26net NPA 0.25% · Q2 FY27
Promoter holding
70.08%unchanged vs 30 Jun 202630 September 2026
Dividend yield
2.42%₹3 a share in 12 months
Net worth
₹1,60,982 Cr+13.2% vs 30 Sep 202530 September 2026
CET1 ratio
14.44%30 September 2026

Questions

What is the PNB PE ratio today?

PNB's PE ratio is 6.2 at the 29 October 2026 close (₹123.90 a share): a market capitalisation of ₹1,42,398 crore divided by consolidated net profit attributable to shareholders of ₹22,861 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit attributable to shareholders (₹18,393 crore) it is 7.7.

What is the PNB PB ratio (price to book value)?

PNB's price-to-book (PB) ratio is 0.88 at the 29 October 2026 close: a market capitalisation of ₹1,42,398 crore divided by shareholders' equity (book value) of ₹1,60,982 crore on 30 September 2026. That is a book value of ₹140.07 per share against a share price of ₹123.90.

What is the PNB net worth?

PNB's net worth — shareholders' equity in its consolidated balance sheet — was ₹1,60,982 crore (₹1.61 lakh crore) on 30 September 2026, up 13.2% from ₹1,42,247 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹1,42,398 crore at the 29 October 2026 close.

What is the PNB market cap?

PNB's market capitalisation was ₹1,42,398 crore (₹1.42 lakh crore) at the 29 October 2026 close: 1,149.3 crore shares at ₹123.90 each.

What is the PNB ROE?

In FY26, PNB's return on equity (ROE) was 13.0%. ROE is net profit attributable to shareholders divided by average shareholders' equity (the start and end of the year). In FY25, ROE was 15.2%.

What is the PNB EPS?

PNB's basic earnings per share (EPS) were ₹16.00 in FY26, against ₹16.42 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹19.85.

What is the PNB book value per share?

PNB's book value per share was ₹140.07 on 30 September 2026: shareholders' equity of ₹1,60,982 crore divided by the 1,149.3 crore shares in issue, up 13.2% from ₹123.77 a year earlier. The share price at the 29 October 2026 close was ₹123.90.

What is the PNB NPA?

PNB's gross non-performing assets (NPAs) were ₹34,190 crore, 2.55% of gross advances, on 30 September 2026 (3.45% a year earlier). Net NPAs were 0.25% of net advances (0.36% a year earlier).

What is the PNB CD ratio (credit-deposit ratio)?

PNB's credit-deposit ratio was 73.7% on 30 September 2026: advances divided by deposits, from its standalone balance sheet.

What is the PNB capital adequacy ratio?

PNB's common equity tier 1 (CET1) ratio was 14.44% on 30 September 2026.

What is the PNB dividend in 2026 and its record date?

In 2026, PNB has declared one dividend: ₹3 with record date 13 June 2026 and ex-date 12 June 2026.

What is the PNB promoter holding?

Promoters held 70.08% of PNB on 30 September 2026, unchanged from both the previous quarter and a year earlier, according to the shareholding pattern filed with NSE.

What are the PNB deposits and advances?

On 30 September 2026, PNB's deposits were ₹17,77,240 crore, up 9.9% from a year earlier, and its advances (loans) were ₹13,10,451 crore, up 15.6% from a year earlier.

What is the PNB dividend yield?

PNB's dividend yield is 2.42% at the 29 October 2026 close: dividends of ₹3 a share that went ex-dividend in the 12 months before that day, divided by the share price of ₹123.90. They were ₹3 on 12 June 2026.

What are the PNB latest quarterly results?

PNB's latest results are for Q2 FY27 (July–September 2026), filed on 16 October 2026: standalone net profit ₹5,532 crore, up 12.8% from ₹4,904 crore in Q2 FY26; net interest income ₹11,601 crore, up 10.8% year on year.

What is the PNB shareholding pattern?

On 30 September 2026, PNB's shares were held by promoters 70.08%, foreign portfolio investors (FII/FPI) 6.66%, domestic institutions (DII) 16.13% (including mutual funds at 6.14%) and retail and other non-institutional investors 7.13%. Over the year, FII holding was up 0.99 percentage points from 5.67% and DII holding was up 0.59 percentage points from 15.54%.

How does the PNB PE ratio compare with its peers?

At the 29 October 2026 closing prices, on FY26 net profit attributable to shareholders, PNB's PE ratio is 7.7, the second highest of the four: SBI 10.8, Bank of Baroda 6.4 and Canara Bank 6.1, a peer average of 7.8. Each is the company's market capitalisation at that price divided by its FY26 net profit.

PNB vs SBI: how do they compare?

In FY26, PNB earned net profit attributable to shareholders of ₹18,393 crore, against ₹83,299 crore for SBI. PNB's return on equity was 13.0% (SBI 15.4%) and its gross NPA ratio 2.95% (SBI 1.49%). At the 29 October 2026 close, PNB's market capitalisation was ₹1,42,398 crore against ₹8,97,122 crore for SBI, and its PE ratio on FY26 profit 7.7 against 10.8.

What is the PNB revenue and profit in FY26?

In FY26 (April 2025–March 2026), PNB's standalone net profit was ₹16,904 crore, up 1.6% from ₹16,630 crore in FY25, on net interest income of ₹41,960 crore (down 1.9%). Over three years, from FY23, net profit was up 574.2%.

When are the PNB next results?

PNB has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.

How does PNB compare with its peers?

On FY26 consolidated figures, against SBI, Bank of Baroda and Canara Bank: PNB's return on equity of 13.0% is the third highest of the four (SBI 15.4%, Bank of Baroda 12.5%, Canara Bank 16.0%; peer average 14.6%); its return on assets of 0.88% is the lowest of the four (SBI 1.07%, Bank of Baroda 0.98%, Canara Bank 0.95%; peer average 1.00%); its gross NPA ratio of 2.95% is the highest of the four (SBI 1.49%, Bank of Baroda 1.89%, Canara Bank 1.84%; peer average 1.74%).

Where do these PNB figures come from?

From Punjab National Bank's own consolidated results, balance sheets and shareholding patterns filed with NSE, and NSE prices (the latest used here: the 29 October 2026 close). Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.