PNB.BO
Punjab National BankExplain this page
Arphra AIPlain-English read on Punjab National Bank’s valuationRatios & metrics
Profitability, returns on capital, growth, and credit — all derived from the historical income statement, balance sheet, and cash flow rows in our data warehouse.
Valuation multiples
| In USD | FY 2026 |
|---|---|
| Headline | |
| Market cap | $1.16T |
| Enterprise value | $590.34B |
| Multiples | |
| P / E | — |
| P / B | — |
| EV / EBITDA | — |
| EV / Sales | 0.40 |
| EV / FCF | 2.50 |
| Yields | |
| Earnings yield | +15.91% |
| Free cash flow yield | +20.43% |
| Dividend yield | — |
Profitability
| In USD | FY 2026 |
|---|---|
| Margins | |
| Gross margin | +39.90% |
| Operating margin | +19.27% |
| EBITDA margin | +19.21% |
| EBIT margin | +18.34% |
| Pre-tax margin | +18.34% |
| Net margin | +12.46% |
| Cost structure | |
| Cost of revenue / sales | +60.10% |
| R&D intensity | 0.00% |
| SG&A intensity | +12.86% |
| Effective tax rate | +36.87% |
Returns on capital
| In USD | FY 2026 |
|---|---|
| Returns | |
| Return on equity (ROE) | +12.21% |
| Return on assets (ROA) | +0.90% |
| Return on capital (ROC) | +11.02% |
| Return on invested capital (ROIC) | +7.12% |
| Asset turnover | +7.26% |
| DuPont · ROE decomposition | |
| Net margin | +12.46% |
| Asset turnover (× revenue / assets) | +7.26% |
| Equity multiplier (× assets / equity) | +1349.60% |
Activity & efficiency
| In USD | FY 2026 |
|---|---|
| Turnover | |
| Asset turnover | 0.07 |
| Fixed-asset turnover | 9.45 |
| Inventory turnover | — |
| Receivables turnover | — |
| Payables turnover | — |
| Days outstanding | |
| Days sales outstanding (DSO) | — |
| Days inventory outstanding (DIO) | — |
| Days payables outstanding (DPO) | — |
| Cash conversion cycle | 0.00 |
Cash flow quality
| In USD | FY 2026 |
|---|---|
| Operating CF / Net income | 1.37 |
| FCF / Net income | 1.28 |
| FCF margin | +16.00% |
| OCF margin | +17.10% |
| CapEx / Revenue | +1.10% |
| CapEx / D&A | — |
| Stock-based comp / Revenue | 0.00% |
Per-share & shareholder yield
| In USD | FY 2026 |
|---|---|
| EPS · diluted | 16.00 |
| EPS · basic | 16.00 |
| Book value / share | 131.06 |
| Tangible BV / share | 131.06 |
| Sales / share | 128.43 |
| Operating CF / share | 21.96 |
| Free cash flow / share | 20.55 |
| Dividends / share | 2.89 |
| Payout ratio | +18.08% |
| Retention ratio | +81.92% |
Growth
| In USD | FY 2026 | CAGR |
|---|---|---|
| Top-line | ||
| Revenue · YoY | — | — |
| Gross profit · YoY | — | — |
| Profit | ||
| Operating income · YoY | — | — |
| EBITDA · YoY | — | — |
| Net income · YoY | — | — |
| Operating | ||
| EBIT · YoY | — | — |
| R&D · YoY | — | — |
| Per-share | ||
| EPS · diluted · YoY | — | — |
| EPS · basic · YoY | — | — |
Credit & leverage
| In USD | FY 2026 |
|---|---|
| Leverage | |
| Total debt | $1.08T |
| Net debt | -$565.64B |
| Net debt / EBITDA | -1.99 |
| Debt / equity | 0.71 |
| Debt / assets | +5.29% |
| Equity / assets | +7.41% |
| Coverage | |
| EBITDA / interest expense | 0.32 |
| Operating income / interest | 0.32 |
| Interest expense | $880.89B |
| Liquidity | |
| Current ratio | — |
| Quick ratio | — |
| Cash ratio | — |
| Working capital | $1.64T |
| Working capital / revenue | +111.17% |
Historical multiples · μ ± σ bands
3 fiscal-year-end observations from key_metrics. Mean is dashed; light-green band is ±1σ, light-red band ±2σ. The dot marks the most recent value; the cheap / fair / rich verdict uses z-score against the issuer's own history (yields inverted — a high yield is cheap).
Sourced from key_metrics + financial_ratios (loaded by load_fundamentals_extended.py).
| Metric | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| P / E | — | — | — |
| P / B | — | — | — |
| EV / EBITDA | — | — | — |
| EV / Sales | 0.40x | 1.16x | 0.64x |
| Earnings yield | 15.9% | 17.1% | 6.6% |
| FCF yield | 20.4% | 18.9% | -21.1% |
| Metric | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| Gross margin | — | — | — |
| Operating margin | — | — | — |
| Net margin | — | — | — |
| ROE | 12.3% | 13.9% | 8.3% |
| ROA | 0.9% | 1.0% | 0.6% |
| ROIC | 0.9% | 6.1% | -1.2% |
| Metric | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| Debt / equity | — | — | — |
| Net debt / EBITDA | -1.99 | 2.03 | -3.93 |
| Interest coverage | — | — | — |
| Current ratio | 0.00x | 0.10x | 0.09x |
| Quick ratio | — | — | — |
Methodology. ROE / ROA / ROC use period-end balance-sheet denominators (no average-of- period smoothing). ROIC = Operating Income × (1 − inferred effective tax rate) over invested capital, with the effective tax inferred from net-to-operating income when both are positive and a 25% default otherwise. Net debt / EBITDA, debt ratios, and interest-coverage ratios are calculated point-in-time at each fiscal year-end. TTM = trailing 4 quarters (income / cash flow summed, balance sheet = most-recent quarterly snapshot). Through-cycle CAGR in the Growth panel uses the geometric mean of first-to-last period growth across the window (positive values only).