Punjab National Bank Intrinsic Value
PNB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹214.08 | ₹171.26 - ₹256.90 | +70.6% | EPS: ₹17.84, Sector P/E: 12x |
| Book Value Method | asset | ₹313.68 | ₹282.31 - ₹345.05 | +150.0% | Book Value/Share: ₹581.84, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹250.94 | ₹225.85 - ₹276.03 | +100.0% | Revenue/Share: ₹638.26, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹313.68 | ₹250.94 - ₹376.42 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹114.18 | ₹102.76 - ₹125.60 | -9.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹147.00 | ₹132.30 - ₹161.70 | +17.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹250.94 | ₹225.85 - ₹276.03 | +100.0% | ROE: 15.3%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹376.41 | ₹338.77 - ₹414.05 | +200.0% | EPS: ₹17.84, BVPS: ₹581.84 |
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Valuation Comparison Chart
PNB Intrinsic Value Analysis
What is the intrinsic value of PNB?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Punjab National Bank (PNB) is ₹250.94 (median value). With the current market price of ₹125.47, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹114.18 to ₹376.41, indicating ₹114.18 - ₹376.41.
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%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 13.89 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 15.3% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 74.0% | 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 |
Related Pages for Punjab National Bank
Additional stock information and data for PNB
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹30,950 Cr | ₹30,557 Cr | Positive Free Cash Flow | 8/10 |