PNB Share Price Target for 2025. Explore PNB’s business overview, stock growth opportunities, risks, fundamental analysis, and share price predictions.
Table of Contents
- 1. PNB (Punjab National Bank) Business Overview
- 2. PNB Stock Growth Opportunities
- 3. PNB Stock Risks
- 4. PNB Fundamental Analysis
- 5. PNB Share Price Target for 2025
- 6. PNB FAQs
- 7. Conclusion
- 8. Disclaimer
1. PNB (Punjab National Bank) Business Overview
Punjab National Bank (PNB) is India’s first Swadeshi bank, owned by the Government of India. Headquartered in New Delhi, PNB is the third-largest public sector bank after SBI and BOB. As of Q3 FY24, PNB reported strong business figures with deposits amounting to ₹13.23 trillion and advances reaching ₹9.67 trillion.
Key Financials:
- PCR: 94.28%
- GNPA: 6.24%
- Net NPA: 0.96%
- CASA Ratio: 42.47%
Read More: RVNL Share Price Target for 2025
2. PNB Stock Growth Opportunities
PNB has a significant presence in retail, agriculture, MSMEs, and corporate sectors, with its retail loan mix reaching 54%. The bank’s aggressive recovery strategies and digital transformation efforts have positioned it well for future growth.
Opportunities in Retail and MSME:
- Retail loans constitute 23% of advances.
- Agriculture loans account for 17% of the total loan book.
3. PNB Stock Risks
Despite PNB’s robust performance, there are a few risk factors:
- Low return on equity over the last three years, averaging 5.4%.
- Decreasing promoter holding (-3.07%).
- High contingent liabilities of ₹2,60,559 crore.
Also Read: IRFC Share Price Target for 2025-2030
4. PNB Fundamental Analysis
We present a detailed breakdown of PNB’s key financial metrics, including revenue and net income. In this section, we provide an in-depth fundamental analysis of PNB stock. We compare its key financial metrics to assess its overall health. This analysis helps to determine whether PNB shares are a good investment for 2025.
| Metric | Value |
|---|---|
| Market Cap | ₹1,18,550 Cr |
| Revenue | ₹29,145 Cr (Q3 FY24) |
| Net Profit | ₹3,991 Cr (Q3 FY24) |
| Gross NPA | 4.98% |
| Net NPA | 0.60% |
| Provision Coverage Ratio | 95.90% |
| Capital Adequacy Ratio | 15.79% |
| CASA Ratio | 42.47% |
| Dividend Yield | 1.39% |
| ROE | 8.54% |
| Book Value | ₹100 |
| Current Price | ₹103 |
Financial Performance Chart: Below is a chart representing PNB’s net profit and revenue growth over the past quarters:
Net Profit and Revenue Growth (2021-2024)
5. PNB Share Price Target for 2025
Based on the current growth trends, market conditions, and financial performance, the estimated share price target for PNB in 2025 is:
| Year | Share Price Target (₹) |
|---|---|
| 2025 | ₹150-₹160 |
6. PNB Stock FAQs: Your Questions Answered
Q1: Is PNB a good stock to invest in for the long term?
Yes, with strong fundamentals and a focus on retail, agriculture, and corporate lending, PNB offers good long-term growth potential.
Q1: Is PNB a good stock to buy?
A1: PNB stock shows good growth potential based on improved asset quality. Growth in digital banking also supports this potential. However, investors should consider the risks.
Q2: What are the PNB stock price targets?
A2: The PNB share price target for 2025 is expected to be between ₹120 and ₹160.
Q3: Does PNB stock pay dividends?
A3: Yes, PNB stock pays dividends to its shareholders.
Q4: What is the PNB stock dividend yield?
A4: PNB’s dividend yield is 1.39%, offering steady income for shareholders.
Q5: What is the PNB stock P/E ratio?
A5: PNB’s current Price-to-Earnings (P/E) ratio is 10.1, which is lower than the industry average, indicating that the stock may be undervalued.
Q6: What are the key factors affecting PNB stock price?
A6: Key factors include the bank’s asset quality, digital transformation efforts, and overall market sentiment toward the banking sector.
Q7: What is the future outlook for PNB stock?
A7: The future outlook for PNB looks positive with improving asset quality, digital banking growth, and recovery strategies. However, risks such as NPAs and market volatility should be considered.
Q8: What is the 52-week high and low for PNB stock?
A8: The 52-week high is ₹143, and the 52-week low is ₹67.3.
Q9: Is PNB stock a good buy for 2025?
A9: PNB shows strong growth potential due to its improving asset quality and digital transformation. However, investors should also consider the risks before making any investment decisions.
Q10: What is the price-to-earnings (P/E) ratio of PNB?
A10: The P/E ratio of PNB is 10.1, which is lower than the industry average, making it attractively priced.
Q11: What is PNB’s dividend yield?
A11: PNB has a dividend yield of 1.39%, providing a reliable income source for its shareholders.
7. Conclusion
Punjab National Bank is well-positioned for growth with its diversified loan portfolio, improved asset quality, and strong recovery focus. However, investors should be mindful of the risks, including low ROE and contingent liabilities, before making any investment decisions.
8. Disclaimer
This article is for educational purposes only. The stock market is subject to risks, and this content should not be considered as financial advice. We are not SEBI registered financial advisors.
Market Sagas 
Leave a comment