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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Punjab National Bank's 3-Year RORE % for the quarter that ended in Jun. 2026 was 22.98%.
The industry rank for Punjab National Bank's 3-Year RORE % or its related term are showing as below:
NSE:PNB's 3-Year RORE % is ranked better than 74.13% of 1469
companies
in the Banks industry
Industry Median: 9.96
vs NSE:PNB: 22.98
Punjab National Bank (NSE:PNB) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Punjab National Bank 3-Year RORE % Related Terms
Punjab National Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Punjab National Bank's 3-Year RORE % 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 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Punjab National Bank's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Punjab National Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Punjab National Bank's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 3-year before.
Punjab National Bank (NSE:PNB) has a 3-Year RORE % of 22.98 as of Jun. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Punjab National Bank and its competitors. According to the industry distribution chart, Punjab National Bank ranks #380 out of 1469 companies in the Banks industry, placing it in the top 25.9%.
Is Punjab National Bank's 3-Year RORE % too high?
Punjab National Bank's current 3-Year RORE % is 22.98. The Banks industry median 3-Year RORE % is 9.96. Punjab National Bank's value of 22.98 is 130.7% above this industry median. Based on the distribution chart, Punjab National Bank ranks #380 out of 1469 companies in the Banks industry, which is above the industry midpoint. Overall, Punjab National Bank has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Punjab National Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Punjab National Bank ranks #380 out of 1469 companies for 3-Year RORE %. This puts Punjab National Bank in the upper half of its industry. The industry median 3-Year RORE % is 9.96. Punjab National Bank's value of 22.98 is 130.7% 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 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.96, based on 1,469 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Punjab National Bank's current 3-Year RORE % of 22.98 is 130.7% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Punjab National Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Punjab National Bank's current 3-Year RORE % is 22.98. 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 ₹108.20, compared to a current price of ₹113.00 — trading 4.4% above its estimated fair value. The current 3-Year RORE % is 22.98 and 130.7% above the Banks industry median of 9.96. Punjab National Bank's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Punjab National Bank (NSE:PNB), the current 3-Year RORE % is 22.98 as of Jun. 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 overvalued.
The current stock price of ₹113.00 is trading 4.4% above its estimated GF Value™ of ₹108.20.
GuruFocus considers Punjab National Bank to be Fairly Valued.
Key valuation signals for NSE:PNB:
3-Year RORE %: 22.98
GF Value™: ₹108.20 vs. price of ₹113.00 (4.4% above fair value)
Industry Position: 130.7% above the Banks median (#380 of 1469)
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.
67GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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