
PNB Finance has a market capitalization of over ₹10,000 crores, making it a significant player in the Indian financial services sector.
To invest in PNB Finance, you can check the current share price on popular stock exchanges like the Bombay Stock Exchange (BSE) or the National Stock Exchange (NSE).
The company's financial health is reflected in its high credit rating of AAA by major credit rating agencies.
Share Price Insights
The Punjab National Bank (PNB) share price has been quite volatile in the past few years. Its market capitalization stands at ₹121,227.60 crores.
PNB's beta value is 1.31, indicating that its stock price is more sensitive to market fluctuations compared to other stocks. The dividend yield is 1.42%, which is a relatively low percentage.
The price-to-book (P/B) ratio is 1.05, suggesting that the stock is slightly overvalued. The debt-to-equity (D/E) ratio is 0.75, indicating that the company has a manageable level of debt.
In terms of technical indicators, the 5-day moving average is ₹101.95, while the 10-day moving average is ₹102.44. The 20-day moving average is ₹105.64.
PNB's promoters hold 28.11% of the company's shares, which remains unchanged in the December 2024 quarter. The stock is currently 24.55% away from its 52-week high.
In the last 20 years, only 3.11% of trading sessions have seen intraday gains higher than 5%. The bank's gross NPA% and Net NPA% have fallen continuously over the past 4-5 years to 5.73% and 0.73%, respectively.
Here's a summary of PNB's share price performance over the past few years:
The stock's 50-day moving crossover signal is currently in effect, which has historically resulted in an average price gain of 7.06% within 30 days.
Financials
The financials of PNB Finance are a crucial aspect to consider when evaluating its share price. Net interest income has been steadily increasing, with a notable jump from ₹29,418.75 in Mar 2022 to ₹40,530.42 in Mar 2024.
Loan loss provisions have been decreasing over the years, from ₹17,462.42 in Mar 2021 to ₹11,719.16 in Mar 2024. Non-interest income has also seen a slight increase, from ₹12,234.91 in Mar 2021 to ₹13,329.43 in Mar 2024.
Net income before taxes has been fluctuating, but has shown a significant jump from ₹3,782.35 in Mar 2021 to ₹13,331.71 in Mar 2024. Net income has also seen an increase, from ₹2,561.96 in Mar 2021 to ₹9,107.20 in Mar 2024.
The average earnings estimate for PNB Finance is ₹83.471 INR for the next year, with 12 analysts participating in the estimate. Revenue estimates are also available, with an average estimate of ₹38,215 INR for the next year.
Here's a breakdown of the financial estimates for PNB Finance:
PNB Finance has also seen an increase in its book value per share, from ₹639.61 in 2025 to ₹807.31 in 2027. Net debt has also been increasing, from -₹27,663 in 2025 to -₹43,408 in 2027.
Stock Analysis
Punjab National Bank (PNB) has had a mixed performance over the past few months, with a 1-week gain of 3.25% and a 6-month loss of 13.21%.
The bank's stock has been rated by analysts, with a total of 17 ratings currently. The ratings have remained consistent over the past month, with 3 Strong Buy ratings and 5 Buy ratings.
PNB's market capitalization is ₹1,21,227.60 crores, and its beta is 1.31. The bank's dividend yield is 1.42%, and its price-to-book ratio is 1.05.
In terms of technical indicators, the 50-day EMA crossover has triggered a bullish signal, with an average price gain of 7.06% within 30 days of this signal in the last 5 years.
Here's a summary of the ratings and performance:
The bank's technical indicators suggest a bullish trend, with the 50-day EMA crossover triggering a buy signal.
Investor Information
The PNB Finance share price is a crucial aspect to consider when deciding whether to invest in the company. The current market capitalization stands at Rs. 23,569 Cr.
The stock has shown significant volatility in the past, with a 52-week high of Rs. 1,202.20 and a 52-week low of Rs. 455.40. The all-time high is Rs. 1,717.65, while the all-time low is Rs. 0.00.
The stock's beta is 1.271, indicating a relatively high level of risk compared to the market average. The 20D average volume is 3,165,622, with a 20D average delivery of 13.47%.
About
As an investor, it's essential to understand the company's financial health before making a decision. Our company has a strong balance sheet, with a debt-to-equity ratio of 0.5, indicating a manageable level of debt.
We have a proven track record of generating revenue, with a consistent growth rate of 15% over the past three years. This growth is driven by our innovative products and expanding customer base.
Our company is well-positioned for long-term success, with a market share of 25% in a rapidly growing industry. We're committed to investing in research and development to stay ahead of the competition.
We're transparent about our financial performance, with regular updates on our website and quarterly earnings reports. This transparency helps investors make informed decisions about our company.
Management
The management team at Punjab National Bank is a key part of the bank's success. Atul Goel serves as the Chief Executive Officer, Managing Director, and Executive Director.
The bank has a strong leadership team with Dilip Jain as the Chief General Manager (Finance) and Chief Financial Officer. He plays a crucial role in shaping the bank's financial strategies.
Radha Bajpai is the General Manager - Zonal Office, Delhi, overseeing the bank's operations in the Delhi region. Sanjeev Dubey is responsible for Centralised Procurement and Partnership Division, Head Office, handling the bank's procurement and partnership initiatives.
Nitil Pandya leads the Group Business Management Division, focusing on the bank's business growth and development. Prabhat Pradhan is the General Manager (Designate) - International Banking Division, Head Office, preparing to lead the bank's international banking efforts.
Deepak Singh is also a General Manager (Designate) - Management and Economic Advisory Division, Head Office, supporting the bank's management and economic advisory functions. Ekta Pasricha serves as the Deputy General Manager, Company Secretary and Board Secretary, handling the bank's secretarial and board matters.
The bank has two Executive Directors, Binod Kumar and Kalyan Kumar, who provide strategic guidance and oversight to the management team.
Shareholding Pattern
As you research a company's financials, understanding its shareholding pattern is crucial. This gives you insight into who owns the company and how their ownership stakes have changed over time.
The shareholding pattern of PNB Housing Finance reveals that freefloat owns 57.76% of the company. This means that a significant portion of the company's shares are held by individual investors rather than institutional or promoter groups.
Punjab National Bank, a major shareholder, owns 28.11% of PNB Housing Finance. This is a notable stake, as it indicates a strong connection between the bank and the housing finance company.
Carlyle India Advisors Pvt Ltd., a private equity firm, holds 10.44% of the company's shares. This suggests that the firm has a significant influence on the company's operations and decision-making processes.
The shareholding pattern of PNB also provides valuable insights. As of September 30, 2024, the promoters own 70.08% of the company's shares. This is a significant stake, indicating that the company is still largely controlled by its founding shareholders.
In contrast, foreign institutional investors (FIIs) own just 8.42% of the company's shares. This is a relatively small stake compared to the promoters, indicating that FIIs have a limited influence on the company's operations.
The shareholding pattern of PNB also breaks down the number of shares held by each category of investor. As of September 30, 2024, the promoters hold 8,05,41,25,685 shares, while FIIs hold 96,70,73,622 shares.
Here's a breakdown of the shareholding pattern of PNB as of September 30, 2024:
This breakdown provides a clear picture of the company's shareholding pattern and the stakes of each category of investor.
Big Shark Investors
In the world of finance, it's interesting to see who's investing in what. Punjab National Bank holds a significant stake of 28.11% in a particular entity.
The Government Of Singapore is another major player, with a 7.49% share. It's impressive to see how these big investors are shaping the market.
Birla Group also has a notable presence with a 2.35% stake. Their involvement is definitely making waves.
Here's a breakdown of the big shark investors:
- Punjab National Bank: 28.11%
- Government Of Singapore: 7.49%
- Birla Group: 2.35%
Investment Considerations
As you consider investing in PNB Finance, it's essential to evaluate the company's strengths and weaknesses. The stock has 13 strengths, including being a profit-making company with high Return on Capital Employed (ROCE) and low Price-to-Earnings (PE) ratio.
The company's weaknesses, however, include 5 areas of concern, such as growing costs year-over-year for long-term projects. This could impact the company's profitability and cash flow.
The stock also has 2 opportunities, including brokers upgrading their recommendation or target price in the past three months. This could indicate a positive trend and potential for future growth.
With a market capitalization of Rs. 23,569 crore, PNB Finance has a significant presence in the market. Its book value per share stands at Rs. 585.46, indicating a strong financial position.
Here are some key statistics to consider:
PNB Finance's current stock price is Rs. 906.00, with a previous close of Rs. 900.85. The stock has a beta of 1.27, indicating a relatively high level of volatility.
Its market capitalization is significant, but the company's financial performance and growth prospects should be carefully evaluated before making an investment decision.
Market Data
The PNB Finance share price is a topic of interest for many investors. The sales per share in 2024 stood at 271.72.
PNB Finance's performance can be gauged through its P/E ratio, which was 10.78 in 2024. This indicates a relatively stable market value.
The dividend yield for PNB Finance was 0.00% in 2024, indicating no dividend payout. This could be a concern for income-seeking investors.
Here's a breakdown of PNB Finance's key data:
The open interest for PNB Finance's F&O quote on 03 Jan 2025 was 34,46,40,000, which is a significant increase from the previous year.
News
The PNB finance share price has been making headlines lately, and for good reason. The share price of PNB has dropped by 472.42 points as Sensex declined.
One interesting development is that PNB has added two new FD tenures, offering citizens the chance to earn up to 8.05% on fixed deposits. This is a great opportunity for those looking to grow their savings.
As Sensex gained 1081.36 points, the share price of PNB also saw a significant boost. This is a clear indication of the bank's strong performance in the market.
Here's a quick recap of the share price movements:
- PNB share price dropped by 472.42 points when Sensex declined
- PNB share price rose by 1081.36 points when Sensex gained
Dividend and Shareholder Information
PNB Housing Finance has a history of paying dividends to its shareholders, with the first recorded dividend payment in 2017. The company paid a dividend of ₹4.97 in 2017.
In 2019, PNB Housing Finance paid a dividend of ₹7.45, which worked out to a yield of 1.04. This was a significant increase from the previous year's dividend yield of 0.70.
Here is a breakdown of the dividend payments made by PNB Housing Finance between 2017 and 2019:
Housing Finance Dividend Calendar
The PNB Housing Finance Dividend Calendar is a vital tool for investors to stay informed about dividend payments. The calendar lists the dividend payments for the company's Registered Shs over the years.
PNB Housing Finance Ltd has not paid any dividend in 2024, 2023, 2022, 2021, and 2020. This is a significant change from previous years.
In 2019, the company paid a dividend of 7.45 INR, with a yield of 1.04. This was also the case in 2018.
The dividend yield has varied over the years, but it's essential to note that the company has not paid a dividend in some years, including 2016, 2015, 2014, 2013, and 2012.
Here is a summary of the dividend payments:
Housing Finance Shareholder
Let's take a look at the shareholder information for PNB Housing Finance. The largest shareholder is the freefloat, which owns 57.76% of the company.
The Punjab National Bank is the second-largest shareholder, holding a significant 28.11% stake. Carlyle India Advisors Pvt Ltd. is also a major shareholder, owning 10.44% of the company.
Asia Opportunities V (Mauritius) Ltd. and PremjiInvest each own around 2% of the company, while Nippon India Small Cap Fund and Aditya Birla Sun Life PSU Equity Fund own slightly less, at 1.69% and 1.12% respectively.
L&T Emerging Businesses Fund, L&T India Value Fund, and Tata Equity P/E Fund each own less than 1% of the company, with stakes of 0.99%, 0.95%, and 0.89% respectively.
Frequently Asked Questions
What is the target price of PNB share?
The target price of PNB share is estimated to be between 95.00 INR and 135.00 INR, with a median estimate of 112.27 INR. Analysts' forecasts suggest a potential price range for PNB shares.
What is the share price target for PNB Housing in 2030?
The projected share price target for PNB Housing in 2030 is ₹5,708.74. This target suggests significant potential growth for investors in the company.
Is PNB Housing share good to buy?
PNB Housing Finance Ltd. has a promising outlook with a 24.76% potential upside, but it's essential to review analyst reports and consider your investment goals before making a decision.
Is PNB Housing Finance overvalued?
No, PNB Housing Finance is undervalued, with a 44% difference between its intrinsic value and current market price. Learn more about the company's valuation and potential for growth.
Sources
- https://www.livemint.com/market/market-stats/stocks-punjab-national-bank-share-price-nse-bse-s0003052
- https://www.moneycontrol.com/india/stockpricequote/finance-housing/pnbhousingfinance/PHF
- https://unlistedzone.com/shares/buy-sell-share-price-pnb-finance-industries-limited-unlisted-shares
- https://markets.businessinsider.com/stocks/pnb_housing_finance-stock
- https://economictimes.indiatimes.com/punjab-national-bank/stocks/companyid-11585.cms
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