Punjab National Bank Intrinsic Value
Punjab National Bank (PNB) median intrinsic value is ₹205.32 from 9 valuation models (range ₹124–₹308), vs current price ₹102.66 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Also explore Punjab National Bank stock price data download to track price trends across different timeframes.
PNB Valuation Methods Summary — DCF, Graham Number & P/E
Punjab National Bank intrinsic value across 9 models vs current price ₹102.66 — upside/downside and value range per method. For current market price and key ratios, visit Punjab National Bank share price today.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹231.84 | ₹185.47 - ₹278.21 | +125.8% | EPS: ₹19.32, Sector P/E: 12x |
| Book Value Method | asset | ₹256.65 | ₹230.98 - ₹282.31 | +150.0% | Book Value/Share: ₹581.84, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹205.32 | ₹184.79 - ₹225.85 | +100.0% | Revenue/Share: ₹641.64, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹205.32 | ₹184.79 - ₹225.85 | +100.0% | EBITDA: ₹28564.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹256.65 | ₹205.32 - ₹307.98 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹123.65 | ₹111.29 - ₹136.02 | +20.4% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹159.20 | ₹143.28 - ₹175.12 | +55.1% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹205.32 | ₹184.79 - ₹225.85 | +100.0% | ROE: 16.8%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹307.98 | ₹277.18 - ₹338.78 | +200.0% | EPS: ₹19.32, BVPS: ₹581.84 |
PNB Intrinsic Value vs Market Price — All Valuation Models
Punjab National Bank fair value range ₹124–₹308 vs current market price ₹102.66 across 9 valuation models. Browse Punjab National Bank financial data for revenue, profit, balance sheet and cash flow data.
PNB Intrinsic Value Analysis — Undervalued or Overvalued?
Punjab National Bank median intrinsic value ₹205.32, current price ₹102.66 — 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 9 different valuation methods, the estimated intrinsic value of Punjab National Bank (PNB) is ₹205.32 (median value). With the current market price of ₹102.66, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹123.65 to ₹307.98, indicating ₹123.65 - ₹307.98.
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 |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 16.8% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 77.0% | 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 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 |