PNB IN EQUITY
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Day range—
52-week range—
Market cap—
P/E · TTM—
As of—
| ₹ CR · FY | FY22 | FY23 | FY24 | FY25 | FY26 | Sep'26 | YOY |
|---|---|---|---|---|---|---|---|
| Profit & loss | |||||||
| Revenue | 76,242 | 86,845 | 1,09,065 | 1,24,010 | 1,30,772 | — | — |
| Operating profit | -6,607 | -6,473 | 908 | 10,563 | 9,672 | — | — |
| OPM % | -8.7% | -7.5% | 0.8% | 8.5% | 7.4% | — | |
| Interest | 46,823 | 51,817 | 68,534 | 80,704 | 88,069 | — | — |
| Profit before tax | 4,826 | 5,151 | 14,160 | 27,166 | 28,453 | — | — |
| Net profit | 3,908 | 3,359 | 9,157 | 18,553 | 18,467 | — | — |
| NPM % | 5.1% | 3.9% | 8.4% | 15.0% | 14.1% | — | |
| Balance sheet & cash | |||||||
| Total assets | 13,39,301 | 14,93,649 | 15,98,636 | 18,57,544 | 20,33,331 | 21,28,852 | +4.7% |
| Equity | 97,582 | 1,02,880 | 1,10,387 | 1,33,138 | 1,49,973 | 1,60,982 | +7.3% |
| Debt | — | — | — | — | — | — | — |
| Cash from ops | 20,032 | 22,592 | -27,939 | 22,075 | 25,635 | — | — |
| Capex | — | — | — | — | — | — | — |
| CHECK | RESULT | VALUE |
|---|---|---|
| Net profit positive | n/a | — |
| Operating cash flow positive | n/a | — |
| ROA improved | n/a | 0.9% → — |
| Cash from ops > net profit | n/a | — |
| Leverage fell | n/a | — → — |
| Current ratio improved | n/a | — → — |
| Gross margin improved | n/a | 7.4% → — |
| Asset turnover improved | n/a | 0.06 → — |
| Interest cover above 3× | n/a | — |
| ₹ CR · QUARTER | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | YOY |
|---|---|---|---|---|---|---|---|---|---|
| Profit & loss | |||||||||
| Revenue | 31,895 | 32,523 | 32,572 | 32,513 | 32,889 | 32,798 | 33,589 | 35,267 | +8.5% |
| Operating profit | 3,663 | 1,742 | 1,547 | 2,356 | 1,426 | 3,061 | 2,743 | 3,964 | +68.3% |
| OPM % | 11.5% | 5.4% | 4.7% | 7.2% | 4.3% | 9.3% | 8.2% | 11.2% | |
| Interest | 20,738 | 21,640 | 21,828 | 21,858 | 22,164 | 22,219 | 22,583 | 23,464 | +7.3% |
| Profit before tax | 7,055 | 6,518 | 6,973 | 6,527 | 6,440 | 7,141 | 7,108 | 7,488 | +14.7% |
| Net profit | 4,811 | 5,011 | 2,167 | 5,121 | 5,577 | 5,602 | 5,835 | 5,918 | +15.6% |
| NPM % | 15.1% | 15.4% | 6.7% | 15.8% | 17.0% | 17.1% | 17.4% | 16.8% |