Right Stock
Color-codes for the 10 Year X-Ray 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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X

Punjab National Bank

Large Cap

Evaluated by 8133 users |

BSE

: 532461 |

NSE

: PNB |

Bank - Public

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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'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Net Interest Income (Rs. Cr.)8,70812,04513,70615,26816,73817,36716,47315,33615,19417,491
Y-o-Y Gr. Rt.-38.3%13.8%11.4%9.6%3.8%-5.1%-6.9%-0.9%15.1%
Total Income25,43631,20741,73547,38049,66854,88456,90457,22657,60859,515
Y-o-Y Gr. Rt.-22.7%33.7%13.5%4.8%10.5%3.7%0.6%0.7%3.3%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
25.228.8829.6328.0319.9818.33-18.795.58-43.88-20.79
Y-o-Y Gr. Rt.-14.6%2.6%-5.4%-28.7%-8.3%-202.5%NA-886.4%NA
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
109.17133.45163.62186.92202.61219.18198.41186.13137.0590.39
Y-o-Y Gr. Rt.-22.2%22.6%14.2%8.4%8.2%-9.5%-6.2%-26.4%-34.1%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)1.41.311.161.020.660.55-0.540.12-1.67-1.28
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 (%)0.530.851.522.352.854.068.617.8111.246.56
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
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 Income8.1%0.9%2%15.1%
Total Income9.9%3.7%1.5%3.3%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-197.9%-200.8%NANA
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
-2.1%-14.9%-23.1%-34.1%
Share Price -12.9% -18% -18.7% -18.4%
 
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Interest Earned / Total Income86.2588.2989.8490.990.5288.7589.2883.9884.5887.62
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.963.2133.162.982.82.392.172.052.33
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)24.8923.5520.3516.2110.148.64-9.22.29-32.5-25.24
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 40.638.235.0538.6537.7836.0336.5841.6640.9742.15
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Overall 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
75.41%
16.00%
8.60%
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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