Company snapshot
Punjab National Bank (PNB.NS)
- Exchange
- NSE
- Industry
- Banks - Regional
- Sector
- Financial Services
- Market Cap
- 1,443,398M INR
- Country
- IN
- IPO
- 2002-07-01
Filters, quality & return
Quick business overview
What Daddy thinks
Can we reliably predict it for the future?
Can we buy it for a great price?
What they do
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What returns to expect
ROIC
6.1%
P/E
5.9
P/FCF
5.3
Earnings Yield
17.1%
FCF Yield
18.9%
Dividend Yield
1.52%
Due diligence
Understand how the business operates
⏳ Doing Due Diligence...
Valuation Lab
Every investment is the present value of all future cash flows
Frame today’s price against what you think it’s worth in the future. Tweak the scenarios, see the upside.
Track the top-line runway year over year.
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Bottom-line dollars delivered to owners.
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Earnings power per share outstanding.
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Owner earnings available after spending to grow.
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Cash generated from the core business.
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Return on invested capital.
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Profit kept from each sales dollar.
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Cash kept after investments.
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Liquidity versus obligations.
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Leverage stacked on the balance sheet.
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Share count over time.
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Net assets per share.
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Stack the core valuation marks against Daddy's benchmarks.
P/E Ratio
5.86
Paying less is usually better, unless growth justifies a premium.
P/FCF
5.29
Shows how expensive the cash machine is.
Price to Book
0.81
Useful for asset-heavy businesses.
Price to Sales
0.77
Better for early-stage or low-profit firms.
EV Multiple
6.04
Captures the true cost of buying the business.
Price to Fair Value
0.81
<1 = undervalued. >1 = overpriced.
Return metrics reveal if management compounds hard-earned cash.
ROIC
6.13%
Anything above 10% is great. Shows smart capital allocation.
ROE
13.88%
How well they reward owners.
ROA
0.99%
Useful for comparing across industries.
ROCE
9.27%
Similar to ROIC, more conservative.
Earnings Yield
17.06%
Higher yield means the business throws off more earnings for every dollar invested.
FCF Yield
18.90%
Signals how much cash return owners get per dollar spent.
Margins show pricing power and discipline.
Gross Margin
42.54
High margin = pricing power.
Operating Margin
18.52
Shows core efficiency.
Net Margin
13.16
How much actually reaches investors.
EBITDA Margin
19.20
Strips out interest, tax, depreciation, amortization.
Liquidity and leverage check the downside risk.
Debt to Equity
1.54
Lower is safer. High debt means risk.
Cash to Debt
0.10
Shows if they can cover liabilities now.
Current Ratio
N/A
Data not available
Interest Coverage
0.32
>2 = manageable debt load.
Turnover ratios surface operational rhythm.
Asset Turnover
0.08
Higher is better. Retail often wins here.
Inventory Turnover
0.00
Low turnover = slow sales or overstocking.
Receivables Turnover
5.63
Higher = efficient billing.
Payout health for cashflow hunters.
Dividend Yield
1.52%
Good if you want income.
Payout Ratio
0.09
<60% is sustainable.
Dividend per Share
1.47
Higher is fine — unless they’re overpaying.
Follow the cash trail to confirm the story.
Income Quality
1.19
>1 means they’re not faking profits.
Op Cash Flow Ratio
0.01
Reliable earnings = higher ratio.
Momentum checks to see if the engine is speeding up.
Revenue Growth
7.64%
Consistent growth hints at durable demand.
FCF Growth
827.74%
Rising FCF points to improving cash economics.
Financial statements preview
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| Line item | FY 2023 | FY 2022 |
|---|---|---|
| Revenue | 383,285 | 394,328 |
| Gross Profit | 170,782 | 170,782 |
| Operating Cash Flow | 110,543 | 122,151 |
Numbers shown in USD (millions). Full statements include 10+ years, quarterly splits, and export tools.