Punjab National Bank Intrinsic Value
Punjab National Bank intrinsic value. Punjab National Bank (PNB) median intrinsic value is ₹245.00 from 10 valuation models (range ₹75–₹368), vs current price ₹122.50 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Compare with Punjab National Bank value estimation to assess whether the stock is under or overvalued.
PNB Valuation Methods Summary — DCF, Graham Number & P/E
Punjab National Bank intrinsic value across 10 models vs current price ₹122.50 — upside/downside and value range per method. Read Punjab National Bank dividend payments for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹246.24 | ₹196.99 - ₹295.49 | +101.0% | EPS: ₹20.52, Sector P/E: 12x |
| Book Value Method | asset | ₹306.25 | ₹275.62 - ₹336.88 | +150.0% | Book Value/Share: ₹655.34, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹245.00 | ₹220.50 - ₹269.50 | +100.0% | Revenue/Share: ₹674.92, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹245.00 | ₹220.50 - ₹269.50 | +100.0% | EBITDA: ₹29952.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹306.25 | ₹245.00 - ₹367.50 | +150.0% | CF Growth: 8.6%, Discount: 15% |
| PEG Ratio Method | growth | ₹131.33 | ₹118.20 - ₹144.46 | +7.2% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹169.08 | ₹152.17 - ₹185.99 | +38.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹245.00 | ₹220.50 - ₹269.50 | +100.0% | ROE: 15.7%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹367.50 | ₹330.75 - ₹404.25 | +200.0% | EPS: ₹20.52, BVPS: ₹655.34 |
| Dividend Yield Method | dividend | ₹75.00 | ₹67.50 - ₹82.50 | -38.8% | DPS: ₹3.00, Target Yield: 4.0% |
PNB Intrinsic Value vs Market Price — All Valuation Models
Punjab National Bank fair value range ₹75–₹368 vs current market price ₹122.50 across 10 valuation models. For current market price and key ratios, visit Punjab National Bank share price today.
PNB Intrinsic Value Analysis — Undervalued or Overvalued?
Punjab National Bank median intrinsic value ₹245.00, current price ₹122.50 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of PNB?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Punjab National Bank (PNB) is ₹245.00 (median value). With the current market price of ₹122.50, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹75.00 to ₹367.50, indicating ₹75.00 - ₹367.50.
Is PNB undervalued or overvalued?
Based on our multi-method analysis, Punjab National Bank (PNB) appears to be trading below calculated value by approximately 100.0%.
PNB Financial Health — Key Ratios vs Industry Benchmarks
Punjab National Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 15.7% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 78.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
PNB Cash Flow Quality — Operating & Free Cash Flow
Punjab National Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹25,635 Cr | ₹25,331 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹22,075 Cr | ₹21,286 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-27,939 Cr | ₹-28,692 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹22,592 Cr | ₹22,226 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹20,032 Cr | ₹19,430 Cr | Positive Free Cash Flow | 8/10 |