PNB
PNB
Each stock's 10,000-path forecast, rendered as light.
PNB (PNB) Stock Analysis & Case Study
Is PNB a good buy? The data-driven verdict.
PNB (PNB) trades at ₹110,on the numbers it worth a closer look, a Downstox Snapshot Score of 63/100.
On the numbers, PNB (PNB) worth a closer look, a Downstox Snapshot Score of 63/100, weighing inexpensive at 6.9× earnings, ROE of 13.0%, a 35% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027–2031.
Last updated . Data snapshot for research, not investment advice.
PNB fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
Is PNB overvalued? PNB P/E vs its Banking
PNB's P/E of 6.9× sits below the Banking peer median of 17.9×, so on earnings it screens cheaper than peers, while its 2.73% dividend yield is above the peer median of 0.81%.
PNB share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 2.0y of PNB history (-7%/yr drift, 29%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| PNB 2027 | ₹67 | ₹97 | ₹142 | -11% |
| PNB 2028 | ₹51 | ₹87 | ₹147 | -20% |
| PNB 2029 | ₹41 | ₹78 | ₹149 | -28% |
| PNB 2030 | ₹33 | ₹70 | ₹147 | -36% |
| PNB 2031 | ₹27 | ₹63 | ₹141 | -42% |
Median (P50) is the central estimate; the P10–P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability PNB goes up, or doubles?
The bull case for PNB
- Trades at just 6.9× earnings, below the ~22× long-run Nifty average, so the valuation leaves room rather than pricing in perfection.
- Low price-to-book of 0.85×, the market is paying little over the company's net assets.
- A healthy 13.0% return on equity.
- Pays a 2.7% dividend yield, so you're partly paid to wait.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹149.
The bear case & risks
- The probability model is cautious 12 months out, only a 35% chance of finishing above today's price.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹41.
PNB volatility & expected range, how bumpy is the ride?
Over the last 2.0 years PNB compounded at -7%/year with annualized volatility of 29%. That volatility implies a 1-year 80% range of ₹67–₹142, the honest backbone behind any single price target.
PNB price forecast, the full 60-month probability fan
PNB price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds PNB hits common targets within the simulated horizon?
Full multi-horizon detail on the PNB price target & forecast page.
PNB Piotroski F-Score: 4/9, how financially strong is it?
The Piotroski F-Score grades financial strength on nine profitability, leverage and efficiency checks. PNB scores 4/9,mixed financial health.
PNB MTF margin & leverage, Upstox, Zerodha, Groww, Dhan
Margin Trading Facility lets you buy PNB with part of the capital. Lower margin % = higher leverage. Rates compared across brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 29.6% | 3.4× |
| Zerodha | 25.3% | 4.0× |
| DhanCHEAPEST | 23.0% | 4.3× |
Compare every broker on the PNB MTF page.
PNB vs peers,Banking comparison
About PNB: sector, index & market-cap context
PNB (PNB) is a large-cap NSE-listed company in the Banking sector, and a constituent of the Nifty 50 index group, with a market capitalisation of ₹1.26L Cr. See more Nifty 50 stocks.
How the PNB Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of PNB's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
PNB analysis, FAQs
Is PNB (PNB) a good buy?
On the numbers, PNB (PNB) worth a closer look, a Downstox Snapshot Score of 63/100, weighing inexpensive at 6.9× earnings, ROE of 13.0%, a 35% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is PNB overvalued or undervalued?
PNB trades at 6.9× earnings versus a peer median of 17.9×, so it screens cheaper than its Banking peers.
What is the PNB share price target for 2031?
PNB's probability-weighted 2031 median target is ₹63, with an 80% range of ₹27–₹141 (10,000-path Monte-Carlo).
What is the probability PNB doubles in 5 years?
The modelled probability of PNB reaching ₹218 (2×) within 5 years is 3%.
What is the bull case for PNB?
Trades at just 6.9× earnings, below the ~22× long-run Nifty average, so the valuation leaves room rather than pricing in perfection. Low price-to-book of 0.85×, the market is paying little over the company's net assets. A healthy 13.0% return on equity.
What are the risks in PNB?
The probability model is cautious 12 months out, only a 35% chance of finishing above today's price.