Flash Finance

Punjab National BankPNBBank / NBFC

Financial Services Banks - Regional Latest results: Sep 2026 16 quarters of data
Consolidated Standalone
₹116.30
MCap ₹133,663 Cr · P/E 5.8
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹35,267 Cr
Interest Earned · Sep 2026
+8.5% YoY
₹7,564 Cr
Operating Profit · Sep 2026
₹5,898 Cr
Net Profit · Sep 2026
+15.2% YoY
₹5.13
EPS · Sep 2026
+15.0% YoY
2.55%
Gross NPA % · Sep 2026
0.25%
Net NPA % · Sep 2026

📝 Punjab National Bank — results explained

Quarter ended September 2026 (Q2 FY27)

Punjab National Bank reported total income of ₹38,791 crore for the quarter ended September 2026 (Q2 FY27), up 5.7% from ₹36,684 crore in the same quarter last year, and up 2.2% sequentially over the June 2026 quarter.

Of this, interest earned contributed ₹35,267 crore and other income ₹3,524 crore. Net interest income (interest earned minus interest expended of ₹23,464 crore) worked out to ₹11,803 crore.

Net profit rose 15.2% year-on-year to ₹5,898 crore, from ₹5,121 crore. Earnings per share (EPS) came in at ₹5.13.

On asset quality, gross NPA stood at 2.55% and net NPA at 0.25% (gross NPA was 3.45% a year ago); the capital adequacy ratio was 17.96%.

Full year and trailing twelve months

For the full year FY26, Punjab National Bank posted total income of ₹149,464 crore, a growth of 6.4% over FY25, with a net profit of ₹18,446 crore (down 0.6% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹151,526 crore with a net profit of ₹22,871 crore.

Valuation snapshot

At the current price of ₹116.30, PNB has a market capitalisation of ₹133,663 crore and a trailing P/E of about 5.8.

Within the Banks - Regional industry, it is the 7th-largest of the 27 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 70.08%, foreign institutional investors (FIIs) 6.66%, domestic institutional investors (DIIs) 16.13%, public shareholders 7.13% of Punjab National Bank.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹133,663 Cr
Current Price ?
₹116.3
P/E ?
5.84below ind
Industry P/E ?
10.70
P/B ?
0.83
P/S ?
0.88
P/FCF ?
5.56
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.08
Earnings Yield ?
17.1%
Dividend Yield ?
2.58%
Profitability & Returns
Total Income (TTM) ?
₹151,526 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹22,871 Cr
EPS (TTM) ?
₹19.90
ROCE ?
N/A
ROE ?
14.2%
ROA ?
1.1%
Gross NPA % ?
2.55%
Net NPA % ?
0.25%
Growth
Total Income — latest qtr ?
₹38,791 Cr
PAT — latest qtr ?
₹5,898 Cr
YoY qtr sales growth ?
5.7%
YoY qtr profit growth ?
15.2%
Sales growth (3y) ?
15%
Sales growth (5y) ?
10%
Profit growth (3y) ?
76%
Profit growth (5y) ?
48%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
70.08%
Change in promoter holding ?
0.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
10.0%
Return 6 months ?
1.6%

🗓️ Quarterly results (16 quarters · ₹ Cr)

same fiscal quarter as Sep bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 YoY % QoQ %
Interest Earned 22,80824,30525,67326,85827,85228,68229,14530,44731,89532,52332,57232,51332,88932,79833,58935,267 +8.5% +5.0%
Other Income 3,3253,8273,3602,9992,6764,2943,6154,6643,3924,7765,4274,1715,0134,0804,3653,524 -15.5% -19.3%
Total Income 26,13428,13229,03329,85730,52832,97632,76035,11135,28737,29937,99936,68437,90336,87837,95438,791 +5.7% +2.2%
Interest Expended 13,51314,69016,06416,82017,44418,20618,53619,79020,73821,64021,82821,85822,16422,21922,58323,464 +7.3% +3.9%
Operating Profit 5,762———————————7,570—7,6637,564 — -1.3%
Provisions 4,719———————————1,130—55575 — -86.4%
Profit Before Tax 1,0432,6301,9792,7783,6344,9405,7516,7297,0556,5186,9736,5276,4407,1417,1087,488 +14.7% +5.3%
Net Profit 7081,8761,3631,9902,4413,3633,9914,7394,8115,0112,1675,1215,5565,6025,8155,898 +15.2% +1.4%
EPS 0.641.691.221.812.213.043.614.104.184.341.844.464.834.875.065.13 +15.0% +1.4%
Gross NPA % 9.76% 8.74% 7.73% 6.96% 6.24% 5.73% 4.98% 4.48% 4.09% 3.95% 3.78% 3.45% 3.19% 2.95% 2.78% 2.55% — —
Net NPA % 3.30% 2.72% 1.98% 1.47% 0.96% 0.73% 0.60% 0.46% 0.41% 0.40% 0.38% 0.36% 0.32% 0.29% 0.28% 0.25% — —
Capital Adequacy Ratio 15.19% 15.50% 15.54% 15.09% 14.63% 15.97% 15.79% 16.36% 15.41% 17.01% 17.50% — 16.76% — 18.11% 17.96% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹124,010 Cr ₹130,772 Cr ₹134,544 Cr +5.5%
Other Income ₹16,447 Cr ₹18,691 Cr ₹16,982 Cr +13.6%
Total Income ₹140,457 Cr ₹149,464 Cr ₹151,526 Cr +6.4%
Interest Expended ₹80,704 Cr ₹88,069 Cr ₹90,431 Cr +9.1%
Net Interest Income ₹43,306 Cr ₹42,703 Cr ₹44,113 Cr -1.4%
Operating Profit — ₹7,570 Cr ₹22,797 Cr —
Provisions — ₹1,130 Cr ₹1,761 Cr —
Profit Before Tax ₹26,053 Cr ₹27,081 Cr ₹28,177 Cr +3.9%
Tax — ₹1,250 Cr ₹4,946 Cr —
Net Profit ₹18,552 Cr ₹18,446 Cr ₹22,871 Cr -0.6%
EPS ₹16.23 ₹16.00 ₹19.89 -1.4%

🏛️ Balance Sheet (latest 5 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026 % Chg
Equity Capital 2,2022,2022,2992,2992,299 -0.0%
Reserves 100,678108,185130,839147,674158,683 +7.5%
Deposits 1,290,3471,379,2251,577,0201,724,7951,792,780 +3.9%
Borrowing 70,14972,586105,807107,558137,836 +28.2%
Other Liabilities 30,27336,43841,57951,00537,254 -27.0%
Total Liabilities 1,493,6491,598,6361,857,5442,033,3312,128,852 +4.7%
Fixed Assets 12,08412,34813,08315,62515,611 -0.1%
CWIP 0000— —
Investments 416,914446,421524,840523,515547,217 +4.5%
Other Assets 1,064,6511,139,8671,319,6201,494,1911,566,024 +4.8%
Total Assets 1,493,6491,598,6361,857,5442,033,3312,128,852 +4.7%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity 22,592-27,93922,07525,635 +16.1%
Cash from Investing Activity -732-1,506-1,578-609 +61.4%
Cash from Financing Activity 1,2753,518-1,138-11,664 -925.0%
Net Cash Flow 23,135-25,92819,35913,362 -31.0%
Free Cash Flow 22,040-29,08320,49024,052 +17.4%
CFO/OP 52%-38%30%26% -13.3%

💧 Half-year Cash Flow (latest 1 periods)

Metric Sep 2026 % Chg
Cash from Operating Activity -5,519 —
Cash from Investing Activity -611 —
Cash from Financing Activity -4,776 —
Net Cash Flow -10,906 —

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 3%9%15%13% -13.3%

👥 Shareholding (latest 6 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 % Chg
Promoters 70.08%70.08%70.08%70.08%70.08%70.08% +0.0%
FIIs 5.52%5.67%5.93%6.39%5.93%6.66% +12.3%
DIIs 15.06%15.54%16.09%16.05%16.07%16.13% +0.4%
Public 9.34%8.70%7.91%7.48%7.92%7.13% -10.0%
No. of Shareholders 25,74,69324,55,48423,09,00322,22,88922,31,53221,57,907 -3.3%

⚖️ Peer comparison

Industry: Banks - Regional · top 25 of 27 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 HDFCBANK HDFC Bank ₹708.25 1,091,484 13.8 495,517 79,736 18.7% 16.1% 5.2% 8.4% 0.0% 18.4%
2 ICICIBANK ICICI Bank ₹1,379.30 990,020 18.9 203,498 52,183 27.0% 25.6% 4.7% 6.2% 5.4% 15.9%
3 SBIN State Bank ₹995.70 919,093 10.7 722,687 88,468 14.7% 12.2% 7.0% 8.3% 7.8% 11.1%
4 KOTAKBANK Kotak Mahindra ₹419.00 416,807 20.5 111,296 20,296 20.5% 18.2% 1.0% -12.8% 12.6% 22.5%
5 AXISBANK Axis Bank ₹1,240.60 386,252 13.9 165,024 27,813 21.4% 16.9% 4.0% -5.8% 7.0% 22.2%
6 UNIONBANK Union Bank ₹178.20 136,031 6.6 129,552 20,644 11.5% 15.9% -0.6% 7.8% 1.0% 27.4%
7 PNB Punjab National ₹115.70 132,973 5.8 151,526 22,871 15.0% 15.1% 6.4% -0.6% 5.7% 15.2%
8 BANKBARODA Bank of Baroda ₹235.57 121,822 6.7 159,738 18,232 18.0% 11.4% 2.6% -3.9% 7.6% -48.6%
9 INDIANB Indian Bank ₹853.50 114,963 8.7 84,489 13,218 21.0% 15.6% 8.7% 3.9% 21.1% 13.9%
10 CANBK Canara Bank ₹123.49 112,013 5.5 150,263 20,391 17.4% 13.6% 0.3% 12.2% -2.6% 11.0%
11 IDBI IDBI Bank ₹83.55 89,836 9.6 35,766 9,327 20.4% 26.1% 4.6% 21.5% 1.6% 5.5%
12 FEDERALBNK Federal Bank ₹344.50 85,094 16.4 36,483 5,348 17.7% 14.7% 7.0% 5.0% 19.0% 57.7%
13 AUBANK AU Small ₹1,058.90 79,356 27.7 22,417 2,856 17.2% 12.7% 16.0% 25.4% 15.5% 37.0%
14 INDUSINDBK IndusInd Bank ₹978.20 76,216 57.6 52,156 1,322 9.7% 2.5% -5.1% -65.5% -9.2% 71.7%
15 IDFCFIRSTB IDFC First ₹86.21 74,332 32.5 49,914 2,305 13.0% 4.6% 11.4% 8.1% 12.6% 153.1%
16 YESBANK Yes Bank ₹23.40 73,449 19.7 37,788 3,775 11.3% 10.0% 0.6% 43.5% 5.3% 32.5%
17 MAHABANK Bank of Maharashtra ₹84.20 64,763 8.6 34,008 7,534 17.2% 22.2% 15.6% 26.6% 15.0% 34.3%
18 RBLBANK RBL Bank ₹412.55 63,950 53.0 19,673 1,205 16.5% 6.1% 3.6% 22.5% 21.6% 158.9%
19 IOB Indian Overseas ₹33.11 63,759 10.8 39,606 5,958 19.4% 15.0% 11.4% 59.6% 23.3% 45.6%
20 BANKINDIA Bank of India ₹139.06 63,309 5.6 87,046 11,343 15.0% 13.0% 6.5% 14.2% 9.8% 36.2%
21 KARURVYSYA Karur Vysya ₹335.40 32,422 11.0 13,985 2,958 23.3% 21.2% 14.4% 29.3% 10.5% 37.2%
22 UCOBANK UCO Bank ₹24.05 30,158 10.1 31,742 2,982 20.0% 9.4% 0.9% 13.2% 10.1% 26.8%
23 BANDHANBNK Bandhan Bank ₹176.52 28,440 23.2 24,423 1,223 18.1% 5.0% -1.8% -55.4% 1.1% 67.9%
24 CENTRALBK Central Bank ₹30.82 27,896 6.1 42,854 4,568 9.3% 10.7% 7.5% 14.9% 2.9% 3.2%
25 CUB City Union ₹227.90 22,580 17.0 7,908 1,327 18.1% 16.8% 17.5% 18.1% 20.3% 25.0%
❓ Frequently asked questions
What was Punjab National Bank's total income in Q2 FY27?
Punjab National Bank reported total income of ₹38,791 crore for the quarter ended September 2026 (Q2 FY27), up 5.7% from ₹36,684 crore in the same quarter last year, and up 2.2% sequentially over the June 2026 quarter.
What was Punjab National Bank's net profit in Q2 FY27?
Net profit rose 15.2% year-on-year to ₹5,898 crore, from ₹5,121 crore. Earnings per share (EPS) came in at ₹5.13.
What is PNB's market capitalisation and P/E ratio?
At the current price of ₹116.30, PNB has a market capitalisation of ₹133,663 crore and a trailing P/E of about 5.8.
What are Punjab National Bank's NPA levels?
On asset quality, gross NPA stood at 2.55% and net NPA at 0.25% (gross NPA was 3.45% a year ago); the capital adequacy ratio was 17.96%.
Who owns Punjab National Bank? (shareholding pattern)
As of Sep 2026, promoters held 70.08%, foreign institutional investors (FIIs) 6.66%, domestic institutional investors (DIIs) 16.13%, public shareholders 7.13% of Punjab National Bank.
TTM ends 2026-09-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI