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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.
Punjab National BankNSE:PNB +0.52%68 PEG Ratio is 0.79 as of Jul. 18, 2026, which is 32% below its 10-year median of 1.17. GuruFocus rates NSE:PNB with a GF Score™ of 68/100 and a GF Value™ of ₹111.75 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,228 Banks companies, Punjab National Bank ranks better than 77.2% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Punjab National Bank's PEG Ratio or its related term are showing as below:
NSE:PNB'
s PEG Ratio Range Over the Past 10 Years
Min: 0.72 Med: 1.17 Max: 16.15
Current: 0.79
During the past 13 years, Punjab National Bank's highest PEG Ratio was 16.15. The lowest was 0.72. And the median was 1.17.
NSE:PNB's PEG Ratio is ranked better than 77.2% of 1228
companies
in the Banks industry
Industry Median: 1.555
vs NSE:PNB: 0.79
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Punjab National Bank (NSE:PNB) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Punjab National Bank PEG Ratio Related Terms
Punjab National Bank PEG Ratio Historical Data
* Premium members only.
The historical data trend for Punjab National Bank's PEG Ratio 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 PEG Ratio Competitor Comparison
For the Banks - Regional subindustry, Punjab National Bank's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Punjab National Bank's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Punjab National Bank's PEG Ratio falls into.
* 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Punjab National Bank (NSE:PNB) has a PEG Ratio of 0.79 as of Jul. 18, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Punjab National Bank and its competitors. This is 32% below median its historical median of 1.17. Over the past decade, Punjab National Bank's PEG Ratio has ranged from 0.72 to 16.15. According to the industry distribution chart, Punjab National Bank ranks #280 out of 1228 companies in the Banks industry, placing it in the top 22.8%.
Is Punjab National Bank's PEG Ratio too high?
Punjab National Bank's current PEG Ratio of 0.79 is 32% below median its 10-year median of 1.17. Over the past 10 years, this metric has ranged from a low of 0.72 to a high of 16.15. The Banks industry median PEG Ratio is 1.56. Punjab National Bank's value of 0.79 is 49.2% below this industry median. Based on the distribution chart, Punjab National Bank ranks #280 out of 1228 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 PEG Ratio compare to competitors?
According to the Banks industry distribution chart, Punjab National Bank ranks #280 out of 1228 companies for PEG Ratio. This places Punjab National Bank in the top 23% of its industry — outperforming the majority of peers. The industry median PEG Ratio is 1.56. Punjab National Bank's value of 0.79 is 49.2% below this benchmark. Historically, Punjab National Bank's own PEG Ratio has ranged from 0.72 to 16.15 over the past decade. While the company's 10-year median is 1.17 vs. the industry median of 1.56, Punjab National Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.56, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Punjab National Bank's current PEG Ratio of 0.79 is 49.2% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Punjab National Bank and its competitors. For the Banks industry, the median PEG Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Punjab National Bank's current PEG Ratio is 0.79, which is 32% below median its own 10-year median of 1.17. 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 (NSE:PNB) is currently considered Fairly Valued. The stock's GF Value™ is ₹111.75, compared to a current price of ₹105.77 — trading 5.4% below its estimated fair value. The current PEG Ratio is 0.79, which is 32% below median its 10-year median of 1.17 and 49.2% below the Banks industry median of 1.56. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Punjab National Bank (NSE:PNB), the current PEG Ratio is 0.79 as of Jul. 18, 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 (NSE:PNB) Overvalued in 2026?
Based on GuruFocus' analysis, Punjab National Bank stock appears to be undervalued.
The current stock price of ₹105.77 is trading 5.4% below its estimated GF Value™ of ₹111.75.
GuruFocus considers Punjab National Bank to be Fairly Valued.
Key valuation signals for NSE:PNB:
PEG Ratio: 0.79 (32% below median its 10-year median of 1.17)
GF Value™: ₹111.75 vs. price of ₹105.77 (5.4% below fair value)
Industry Position: 49.2% below the Banks median (#280 of 1228)
No single metric tells the full story. See the NSE:PNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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
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