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Punjab National Bank

NSE:PNBFinancial ServicesNSE:BANKNIFTYNSE:CNX100

₹121.90+4.82%At closeAt close · Mon 19 Oct · ≈ AED 4.70 · Market cap $14.58B · Next earnings Thu 22 Oct

Ratio	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	Current · undated	YoY
Gross margin	46.2%	46.8%	47.6%	44.6%	42.5%	39.1%	—	—
Operating margin	4.6%	5.5%	5.2%	11.4%	18.5%	18.9%	18.9%	+0.0 pts
Net margin	2.7%	4.4%	3.4%	7.4%	13.2%	12.2%	12.2%	+0.0 pts
EBITDA margin	5.6%	6.3%	6.0%	12.1%	19.1%	18.8%	—	—
Return on equity	2.8%	4.0%	3.3%	8.3%	13.9%	12.3%	12.2%	−0.1 pts
Return on assets	0.2%	0.3%	0.2%	0.6%	1.0%	0.9%	0.9%	+0.0 pts
Return on capital employed	0.3%	0.4%	0.3%	6.6%	9.3%	1.4%	—	—
Debt / equity	0.6×	0.6×	0.7×	0.7×	1.5×	1.5×	1.5×	−0.5%
Debt / assets	4.1%	4.4%	4.7%	4.5%	11.1%	11.4%	—	—
Interest coverage	0.1×	0.1×	0.1×	0.2×	0.3×	0.3×	—	—
Current ratio	26.5×	18.5×	24.0×	0.1×	0.1×	49.9×	49.9×	+0.0%
Quick ratio	26.5×	69.7×	72.2×	0.2×	0.1×	49.9×	—	—
Cash ratio	41.5×	48.2×	45.6×	0.1×	0.1×	49.9×	49.9×	+0.0%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Inventory turnover	—	−0.3×	−0.3×	−0.5×	—	—	—	—
Receivables turnover	10.6×	9.2×	7.8×	7.0×	5.6×	7.3×	—	—
Dividend payout	0.0%	0.0%	21.0%	7.9%	8.9%	18.1%	—	—