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Punjab National Bank (IN:PNB)
:PNB
India Market
PNB
Punjab National Bank
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Punjab National Bank (PNB) Ratios

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Punjab National Bank Ratios

IN:PNB's free cash flow for Q2 2026 was ₹0.00. For the 2026 fiscal year, IN:PNB's free cash flow was decreased by ₹ and operating cash flow was ₹0.18. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
 0.09 0.10 0.09 24.01 18.54
Quick Ratio
 0.09 0.10 0.20 72.23 69.72
Cash Ratio
 0.09 0.10 0.09 45.59 48.23
Solvency Ratio
 <0.01 0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 -0.03 0.01 -0.02 6.55 7.16
Short-Term Operating Cash Flow Coverage
 0.00 6.45 -8.49 0.00 0.00
Net Current Asset Value
₹ -16.76T₹ -15.73T₹ -13.56T₹ -13.07T₹ -11.90T
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.11 0.05 0.05 0.04
Debt-to-Equity Ratio
 0.77 1.54 0.66 0.68 0.61
Debt-to-Capital Ratio
 0.44 0.61 0.40 0.41 0.38
Long-Term Debt-to-Capital Ratio
 0.44 0.44 0.40 0.41 0.38
Financial Leverage Ratio
 13.27 13.95 14.48 14.52 13.72
Debt Service Coverage Ratio
 0.19 0.22 0.14 0.08 0.10
Interest Coverage Ratio
 0.31 0.32 0.21 0.10 0.10
Debt to Market Cap
 0.92 1.01 0.55 1.37 1.55
Interest Debt Per Share
 175.82 254.19 128.16 110.77 97.01
Net Debt to EBITDA
 -1.37 2.03 -3.90 -14.40 -13.08
Profitability Margins
Gross Profit Margin
31.74%42.54%44.64%47.61%46.78%
EBIT Margin
17.63%18.52%11.44%5.21%5.49%
EBITDA Margin
17.63%19.11%12.17%6.12%6.50%
Operating Profit Margin
17.88%18.52%11.44%5.21%5.49%
Pretax Profit Margin
17.81%18.52%11.44%5.21%5.49%
Net Profit Margin
11.87%13.16%7.36%3.39%4.39%
Continuous Operations Profit Margin
11.67%13.21%7.40%3.40%4.44%
Net Income Per EBT
66.65%71.04%64.32%65.01%80.00%
EBT Per EBIT
99.57%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.90%0.99%0.57%0.22%0.29%
Return on Equity (ROE)
12.65%13.88%8.25%3.25%3.96%
Return on Capital Employed (ROCE)
8.86%9.27%6.58%0.35%0.36%
Return on Invested Capital (ROIC)
5.56%6.13%-1.16%3.67%6.57%
Return on Tangible Assets
0.90%1.00%0.57%0.22%0.29%
Earnings Yield
14.33%17.06%6.59%6.53%10.06%
Efficiency Ratios
Receivables Turnover
 0.00 5.63 7.01 7.80 9.22
Payables Turnover
 0.00 17.03 16.01 15.01 16.83
Inventory Turnover
 0.00 0.00 -0.46 -0.31 -0.33
Fixed Asset Turnover
 9.57 10.74 10.20 8.19 8.46
Asset Turnover
 0.08 0.08 0.08 0.07 0.07
Working Capital Turnover Ratio
 -0.22 -0.10 -0.21 1.54 1.48
Cash Conversion Cycle
 0.00 43.44 -764.60 -1.15K -1.09K
Days of Sales Outstanding
 0.00 64.88 52.07 46.82 39.58
Days of Inventory Outstanding
 0.00 0.00 -793.87 -1.17K -1.11K
Days of Payables Outstanding
 0.00 21.44 22.80 24.31 21.69
Operating Cycle
 0.00 64.88 -741.80 -1.13K -1.07K
Cash Flow Ratios
Operating Cash Flow Per Share
 -41.02 19.61 -25.37 20.52 18.21
Free Cash Flow Per Share
 -41.60 18.19 -26.44 20.02 17.72
CapEx Per Share
 0.58 1.42 1.04 0.50 0.49
Free Cash Flow to Operating Cash Flow
 1.01 0.93 1.04 0.98 0.97
Dividend Paid and CapEx Coverage Ratio
 -11.83 6.79 -15.03 17.97 37.16
Capital Expenditure Coverage Ratio
 -70.81 13.78 -24.43 40.90 37.16
Operating Cash Flow Coverage Ratio
 -0.41 0.11 -0.38 0.32 0.34
Operating Cash Flow to Sales Ratio
 -0.31 0.16 -0.23 0.23 0.23
Free Cash Flow Yield
-38.59%18.90%-21.05%42.95%50.55%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.03 5.86 15.19 15.32 9.94
Price-to-Sales (P/S) Ratio
 0.83 0.77 1.12 0.52 0.44
Price-to-Book (P/B) Ratio
 0.84 0.81 1.25 0.50 0.39
Price-to-Free Cash Flow (P/FCF) Ratio
 -2.61 5.29 -4.75 2.33 1.98
Price-to-Operating Cash Flow Ratio
 -2.65 4.91 -4.95 2.27 1.92
Price-to-Earnings Growth (PEG) Ratio
 2.87 0.06 0.09 -1.10 0.29
Price-to-Fair Value
 0.84 0.81 1.25 0.50 0.39
Enterprise Value Multiple
 3.36 6.07 5.28 -5.92 -6.37
Enterprise Value
 877.50B 1.63T 794.84B -358.69B -364.54B
EV to EBITDA
 3.32 6.07 5.28 -5.92 -6.37
EV to Sales
 0.59 1.16 0.64 -0.36 -0.41
EV to Free Cash Flow
 -1.83 7.96 -2.73 -1.63 -1.88
EV to Operating Cash Flow
 -1.86 7.38 -2.84 -1.59 -1.83
Tangible Book Value Per Share
 130.06 118.53 100.57 93.67 89.30
Shareholders’ Equity Per Share
 129.47 118.29 100.25 93.43 89.14
Tax and Other Ratios
Effective Tax Rate
 0.37 0.33 0.35 0.35 0.19
Revenue Per Share
 130.31 124.80 112.43 89.83 80.37
Net Income Per Share
 15.47 16.42 8.27 3.04 3.53
Tax Burden
 0.67 0.71 0.64 0.65 0.80
Interest Burden
 1.01 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.15 0.20 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 -2.46 1.19 -3.07 4.39 4.17
Currency in INR