PNB — AI Stock Dissection

AI Stock Dissection

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AI Stock Dissection

PNBLive

PNB

Mr. Ashok Chandra · New Delhi, India · 58,329 employees

₹111.08

▼-0.51%

PNB is trading near its 52-week low with a modest decline today, despite strong fundamentals and analyst buy consensus, suggesting potential undervaluation.

Exchange

NSI

Currency

INR

Day range

₹110.89 – ₹112.30

52-week range

₹98.50 – ₹135.15

Sector

Financial Services

Industry

Banks - Regional

AI investment rating

AI analysis

Buy

75% confidence

Given the P/E of 5.78 and trading near its 52-week low, PNB appears significantly undervalued relative to its fundamentals and historical performance.

Position in 52-week range

Live

52w low34%52w high

17.8% below the 1-year high · trend down

Fundamentals

Live

Market cap1.28T

Hedge-fund memo

Executive AI briefing

AI analysis

Today

Minor decline of 0.51% with high volume, indicating some profit-taking at current levels.

This week

No specific weekly data provided, but trading near the lower end of its recent range.

This month

No specific monthly data provided, but appears to be in a consolidation phase near support levels.

Bull thesis

Strong revenue growth of 15.20% YoY indicates improving business fundamentals
Attractive P/E of 5.78 suggests significant undervaluation

Bear thesis

Trading near 52-week low may indicate underlying concerns not reflected in fundamentals
Profit margin of 38.15% is high for banking sector and may face pressure

News & sentiment

What the press is saying

23 headlines · live

Neutral

23 headlines · 21 outlets · 7d

Tone · daily average

07-2707-29

+40
Punjab National Bank shares in focus as board approves raising $1.5 billion in foreign currency funds

Smart money

Who owns it

Live

Ownership split

Insiders / promoters70.08%

Institutions (FII/DII/MF)19.41%

Public & others10.510000000000002%

Top institutional holders

Not listed

Named holders aren't published for this listing (common for Indian stocks). The split at left is live.

Financial health

The numbers

Live

Profitability

Return on equity14.97%
Return on assets1.13%
Profit margin38.15%
Operating margin29.41%
Gross margin0.00%

Growth

Revenue (TTM)579.01B
Revenue growth15.20%
Earnings growth1.90%

Balance sheet

Debt / equity—

07b

Financial statements

Multi-year trend

Live

Line item

2023202420252026

Revenue

₹466.3B

₹534.7B

₹590.9B

₹607.5B

Gross profit

₹0

Earnings intelligence

Beat history

Live

Beat estimates in 4 of 4 recent quarters (EPS actual vs. consensus).

2026-06-30Beat

4.57 vs 3.4131

33.90% surprise

2026-03-31Beat

4.55 vs 3.80582

19.55% surprise

2025-12-31Beat

4.44 vs 4.27218

3.93% surprise

Competitive landscape

Versus peers

Live

Company	Market cap	P/E	ROE	Op. margin	Rev. growth
PNBPNB	1.28T	5.78	14.97%	29.41%	15.20%
BANKBARODABank of Baroda Limited	1.26T	6.93	11.32%	45.54%	18.00%
CANBKCanara Bank	1.13T	5.69	—

Technical intelligence

Price structure

Live

PNBdaily · candles

Hover the chart for that day's open / high / low / close, volume and RSI.

Volume

RSI (14) · 70 overbought / 30 oversold

MACD (12,26,9) · MACD vs signal

Candlesticks, volume, RSI and MACD from 500sessions of real Yahoo daily data. Moving averages use full history, so they're accurate at the left edge. Support / resistance are the 52-week low / high. Educational — technical signals are not buy or sell calls.

Risk intelligence

What could go wrong

AI analysis

Rising non-performing assets in Indian banking sector

P: MediumImpact: High

Mitigation: Robust recovery mechanisms and improving economic conditions

Business intelligence

Moat · supply chain · M&A

AI analysis

Competitive moat

Strong government backing, extensive branch network across India, and established customer relationships provide a competitive advantage in the regional banking sector.

Supply chain

Upstream (inputs / suppliers)

Depositors (funding source)Financial markets (treasury operations)

↓

Downstream (customers / markets)

Retail customers (loans, deposits)Corporate clients (working capital, trade finance)Government entities (public sector banking)

M&A / strategic moves

No notable recent acquisitions, divestitures, or strategic moves reported in the provided context

Catalyst calendar

What to watch next

AI analysis

Next 3-6 monthsHigh impact
Economic recovery leading to improved credit growth
Next fiscal yearMedium impact
Potential interest rate stabilization

Thesis builder

Bull / base / bear

AI analysis

Bull case

Continued economic recovery, improved asset quality, and expansion in lending drive higher earnings and valuation multiple expansion.

Base case

Stable growth in line with sector averages, maintaining current valuation with modest upside potential.

Bear case

Rising non-performing assets, economic slowdown, or regulatory changes could pressure margins and asset quality.

Time horizon

12-18 months

Est. CAGR

10-15%

Entry (qual.)

Current levels near 110-112 INR present attractive entry point with favorable risk-reward ratio.

Exit (qual.)

Consider scaling above 130 INR, approaching 52-week high and potential resistance levels.

Overall conviction 75%

Knowledge graph

How it all connects

Entity graph

Executives & sector are live; peers are clickable → their dissection. Institutional holders shown where the exchange publishes them.

Portfolio impact

Does it fit your book?

Your holdings

Enter tickers + weights, then see how PNB fits.

Enter your portfolio and hit “Analyze fit” to see PNB's correlation, diversification benefit, and concentration impact.

Scenario simulator

Stress the thesis

Simulate a macro shock and see the illustrative impact:

Tailwind for tech & enablers.

Illustrative impact

Medium prob.

Revenue+6%

EPS+9%

Valuation+14%

Directional illustration only — not modelled on this company's actuals. A real simulator needs company financials.

Explain like…

Tailored explanations

Re-explain PNB for a different audience:

Pick a persona to get a tailored explanation.

Important disclaimer

Sensai publishes educational market commentary, not investment advice. We are not SEBI-registered investment advisers or research analysts, and nothing here is a recommendation to buy, sell, or hold any security.

Live prices, index levels, and other market data are pulled from third-party feeds, may be delayed, and can be inaccurate or unavailable. Do not rely on them for trading decisions.

Investing in equities carries risk, including the loss of principal. Always do your own research and consider consulting a SEBI-registered adviser before making any investment decision.

Position in 52-week range

Fundamentals

Executive AI briefing

What the press is saying

Who owns it

Ownership split

Top institutional holders

The numbers

Multi-year trend

Beat history

Versus peers

Price structure

What could go wrong

Moat · supply chain · M&A

What to watch next

Bull / base / bear

How it all connects

Entity graph

Does it fit your book?

Your holdings

Stress the thesis

Tailored explanations

Important disclaimer

Levels & position

Oscillators & averages