Right Stock
Color-codes for the 10 Year X-Ray Pro and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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Right Time
Buy/Sell stocks at the right time based on fundamentals.
Buy - Stock is below MRP & it is a good time to Buy.
Sell - Stock is above MRP & it is a good time to Sell.
WAIT - Stock is in a 'hold' zone - no action is to be taken on it.
Best Practice Tip: You can plan your investments in fundamentally strong stocks in tranches. For details, refer to the Buy/Sell Plan.
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X

Punjab National Bank

Large Cap

Evaluated by 5537 users |

BSE

: 532461 |

NSE

: PNB |

Bank - Public

1. Right Stock
2. Right Price
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3. Right Timing
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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
 Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15
Net Interest Income (Rs. Cr.)4,7505,3065,7027,0028,70812,04513,70615,26816,73817,367
Y-o-Y Gr. Rt.-11.7%7.5%22.8%24.4%38.3%13.8%11.4%9.6%3.8%
Total Income11,04513,18716,65422,63625,43631,20741,73547,38049,66854,884
Y-o-Y Gr. Rt.-19.4%26.3%35.9%12.4%22.7%33.7%13.5%4.8%10.5%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
9.7210.3413.9720.2825.228.8829.6328.0319.9818.33
Y-o-Y Gr. Rt.-6.4%35.1%45.2%24.3%14.6%2.6%-5.4%-28.7%-8.3%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
60.968.2473.1889.1109.17133.45163.62186.92202.61219.18
Y-o-Y Gr. Rt.-12.1%7.2%21.8%22.5%22.2%22.6%14.2%8.4%8.2%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)1.070.991.151.371.41.311.161.020.660.55
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)0.290.760.640.170.530.851.522.352.854.06
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 12.99%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income15.5%14.8%8.2%3.8%
Total Income19.5%16.6%9.6%10.5%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
7.3%-6.2%-14.8%-8.3%
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
15.3%15%10.2%8.2%
 
RATIOS \ YEARSMar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15
Interest Earned / Total Income88.6987.2788.0386.4986.2588.2989.8490.990.5288.75
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)3.323.32.92.852.963.2133.162.982.8
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)16.4915.2919.1124.4824.8923.5520.3516.2110.148.64
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 48.9746.1242.8938.740.638.235.0538.6537.7836.03
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Corporate Governance
Management Assessment
An assessment of the trustworthiness of the management based on 5 important parameters. These parameters are colour coded as
Green (Very Good), Orange (Somewhat Good) and Red (Not Good)
What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Corporate Governance
Corporate Governance
This refers to a set of processes or laws that affects the way a company is directed and controlled.
Board Credentials
Board credentials
This refers to the skill sets (qualification, experience, etc.) that the management team of a company possesses.
Promoter's holding
Promoter's holding
This refers to the stake that the promoters hold in a company and proportion of shares pledged.
Transparency
Transparency
Transparency refers to the practices that a company follows in the disclosure of important and necessary information.
Integrity
Integrity
Integrity refers to the application of honest and fair business practices.
Percentage Holding
59.86%
34.55%
5.59%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
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