Punjab National Bank (BOM:532461) FCF Yield %: 19.75 (As of Jul. 19, 2026)

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Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:532461 Punjab National Bank BOM:532461
68 GF Score
Price ₹105.80
GF Value ₹111.79
Valuation Fairly Valued
! 3 Warning Signs
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What is Punjab National Bank FCF Yield %?

Punjab National Bank BOM:532461 +0.57% 68 FCF Yield % is 19.75 as of Jul. 19, 2026. GuruFocus rates BOM:532461 with a GF Score™ of 68/100 and a GF Value™ of ₹111.79 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,506 Banks companies, Punjab National Bank ranks better than 76.76% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, Punjab National Bank's Trailing 12-Month Free Cash Flow is ₹240,108 Mil, and Market Cap is ₹1,215,953 Mil. Therefore, Punjab National Bank's FCF Yield % for today is 19.75%.

The historical rank and industry rank for Punjab National Bank's FCF Yield % or its related term are showing as below:

BOM:532461' s FCF Yield % Range Over the Past 10 Years
Min: 0   Med: 0   Max: 19.75
Current: 19.75


During the past 13 years, the highest FCF Yield % of Punjab National Bank was 19.75%. The lowest was 0.00%. And the median was 0.00%.

BOM:532461's FCF Yield % is ranked better than
76.76% of 1506 companies
in the Banks industry
Industry Median: 8.115 vs BOM:532461: 19.75

Punjab National Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.


Punjab National Bank FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


Punjab National Bank FCF Yield % Related Terms


Punjab National Bank FCF Yield % Historical Data

* Premium members only.

The historical data trend for Punjab National Bank's FCF Yield % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Punjab National Bank FCF Yield % Chart

Punjab National Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 50.52 42.85 -21.26 18.53 20.78

Punjab National Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Punjab National Bank FCF Yield % Competitor Comparison

For the Banks - Regional subindustry, Punjab National Bank's FCF Yield %, along with its competitors' market caps and FCF Yield % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Punjab National Bank FCF Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Punjab National Bank's FCF Yield % distribution charts can be found below:

* The bar in red indicates where Punjab National Bank's FCF Yield % falls into.


BOM:532461
68GF Score
Punjab National Bank BOM:532461
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Punjab National Bank FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

Punjab National Bank's FCF Yield % for the fiscal year that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=240108.3 / 1155615.41865
=20.78%

Punjab National Bank's annualized FCF Yield % for the quarter that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=0 * 4 / 1155615.41865
=0.00%

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about FCF Yield % →
What does a FCF Yield % of 19.75 mean?
Punjab National Bank (BOM:532461) has a FCF Yield % of 19.75 as of Jul. 19, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Punjab National Bank and its competitors. According to the industry distribution chart, Punjab National Bank ranks #350 out of 1506 companies in the Banks industry, placing it in the top 23.2%.
Is Punjab National Bank's FCF Yield % too high?
Punjab National Bank's current FCF Yield % is 19.75. The Banks industry median FCF Yield % is 8.12. Punjab National Bank's value of 19.75 is 143.4% above this industry median. Based on the distribution chart, Punjab National Bank ranks #350 out of 1506 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Punjab National Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Punjab National Bank's FCF Yield % compare to competitors?
According to the Banks industry distribution chart, Punjab National Bank ranks #350 out of 1506 companies for FCF Yield %. This places Punjab National Bank in the top 23% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 8.12. Punjab National Bank's value of 19.75 is 143.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.12, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Punjab National Bank's current FCF Yield % of 19.75 is 143.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Punjab National Bank and its competitors. For the Banks industry, the median FCF Yield % is 8.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Punjab National Bank's current FCF Yield % is 19.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Punjab National Bank stock overvalued right now?
Based on GuruFocus' analysis, Punjab National Bank (BOM:532461) is currently considered Fairly Valued. The stock's GF Value™ is ₹111.79, compared to a current price of ₹105.80 — trading 5.4% below its estimated fair value. The current FCF Yield % is 19.75 and 143.4% above the Banks industry median of 8.12. Punjab National Bank's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Punjab National Bank (BOM:532461), the current FCF Yield % is 19.75 as of Jul. 19, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Punjab National Bank (BOM:532461) Overvalued in 2026?

Based on GuruFocus' analysis, Punjab National Bank stock appears to be undervalued. The current stock price of ₹105.80 is trading 5.4% below its estimated GF Value™ of ₹111.79. GuruFocus considers Punjab National Bank to be Fairly Valued.

Key valuation signals for BOM:532461:

  • FCF Yield %: 19.75
  • GF Value™: ₹111.79 vs. price of ₹105.80 (5.4% below fair value)
  • GF Score™: 68/100 with 3 warning signs
  • Industry Position: 143.4% above the Banks median (#350 of 1506)

No single metric tells the full story. See the BOM:532461 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Punjab National Bank Business Description

Other Exchanges PNB:India
Address Plot No. 4, Sector 10, Sector - 10, Dwarka, New Delhi, IND, 110075
Punjab National Bank is an Indian public sector bank. It provides all banking products and financial services including acceptance of various kinds of deposits like savings, term, current, recurring deposits etc. and credit financing. Its banking operations cater to individuals, corporates, farmers, government entities, start-ups, MSMEs, and other constituents, offering comprehensive Product offering and services. Its primary segments are Treasury, Retail Banking, Corporate / Wholesale Banking, and Other Banking Operations. The bank generates majority of revenue from Corporate / Wholesale Banking includes all advances which are not included under Retail Banking. Secondary segments are Domestic operations, and Foreign Operations. It generates majority of income from Domestic operations.
68GF Score

Get the complete analysis for BOM:532461

FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹105.80
Price
₹111.79
GF Value