Clear visual breakdown: for every ₹100 earned, see how much flows to salaries, operating costs, government taxes, EPS profit, and your share.
Profit Conversion
₹29.4/ ₹100
High profit margin business
Human Capital & Talent
₹15.0/ ₹100
Workforce salaries, engineers & talent
Earnings Per Share (EPS)
₹16.00/ share
Annual profit generated per stock unit
Shareholder Payout
₹9.7/ ₹100
Direct cash dividends & buybacks
Multi-Stage Money Stream (Sankey Flow)
Hover or drag nodes to inspect connections and money volumeMode: Every ₹100 Company Sales
Revenue
Materials / Production
Human Capital (Talent)
Government Taxes
Net Profit / EPS
Dividends & Reinvestment
Topline Money Inflow100.0%
Gross Commercial Revenue
₹100.00per ₹100 sales
For every ₹100 collected by PUNJAB NATIONAL BANK from customers and clients globally.
Raw Materials, Energy & Inventory0.0%
Direct Production & Materials (COGS)
₹0.00per ₹100 sales
Direct physical costs required to produce the company's products, chip fabrication, server components, or merchandise.
Salaries, Benefits, R&D & Talent15.0%
Human Capital & Engineering Workforce
₹15.00per ₹100 sales
Compensation paid to software engineers, technicians, designers, operators, and staff driving the business forward.
Cloud Servers, Sales, Marketing & Legal49.0%
Operating, Tech & Administrative (SG&A)
₹49.04per ₹100 sales
Essential business operations including data center infrastructure, global marketing, compliance, and office facilities.
Interest to Bank Lenders & Bondholders140.6%
Debt Servicing & Financing Costs
₹140.64per ₹100 sales
Cost of borrowed capital. Lower interest outlays indicate low debt dependency and strong financial solvency.
Direct Corporate Tax Paid to State15.9%
Government Corporate Taxes
₹15.95per ₹100 sales
Statutory income taxes contributed to national infrastructure, roads, defense, and public governance.
Pure Profit Belongs to Shareholders29.4%
Net Bottom-Line Profit (EPS Engine)
₹29.37per ₹100 sales
The ultimate earnings of the company. This forms your Diluted EPS (₹16/share) and belongs entirely to equity owners.
Cash Deposited to Investor Bank Accounts5.3%
Direct Cash Dividends
₹5.31per ₹100 sales
Actual liquid profits credited directly into your brokerage or bank account as passive dividend cash flow.
Reduces Share Count to Elevate EPS4.4%
Share Repurchases (Buybacks)
₹4.41per ₹100 sales
The company buys its own shares off the market and retires them, making your remaining shares represent a larger slice of future profits.
Reinvested in New Factories, AI & Tech2.6%
Capital Expenditure (Growth CapEx)
₹2.59per ₹100 sales
Long-term capital assets purchased: next-gen server clusters, robotics, retail stores, or production assembly lines.
Retained Earnings on Balance Sheet19.6%
Treasury Reserves & War Chest
₹19.65per ₹100 sales
Cash reserves stored in bank deposits, treasuries, and safe liquid investments to withstand crises and fund sudden strategic acquisitions.
Shareholder Capital Simulator: Where Does Your Investment Go?
Select or type any investment amount to see how much commercial activity and earnings your money commands in PUNJAB NATIONAL BANK.
Your Investment:₹50,000 (~395.1 shares at ₹126.55/share)
Annual Revenue
₹21,529
Generated by your capital
Human Capital
₹3,228
Engineers & staff salaries
Taxes Paid
₹3,433
Public infrastructure
Your Net Earnings
₹6,322
Annual profit earned by you (12.6% yield)
Cash Dividend
₹1,142
Direct cash to your bank
Growth CapEx
₹557
Reinvested in tech & expansion
How to read this flow diagram as an investor:Revenue represents gross sales (₹100). Before any profit can reach you, the company must first pay suppliers (COGS), its workforce & engineers (Human Capital), rent & technology (SG&A), lenders (Interest), and the government (Taxes). What remains is Net Profit (Diluted EPS). Healthy companies divide this profit between Cash Dividends, Share Buybacks (retiring shares to boost your percentage ownership), and CapEx Reinvestment to build new capacity for future years.
Key Fundamentals & Ratios
Real-Time Screener Matrix
Market Cap
₹1,45,443 Cr
Large Cap
Current Price
₹126.55
+0.36% today
52W High / Low
₹135.15 / ₹98.5
Past 52 weeks historical
Stock P/E
6.4
Forward: 6.8
Book Value
₹140.01
Price to Book: 0.90x
Dividend Yield
2.37%
Attractive Yield
Return on Equity (ROE)
15.1%
Shareholder returns efficiency
1-Year Return
+3.04%
52W change percent
52W Low: ₹98.50Current price sits at 77% of 52W range52W High: ₹135.15
About PUNJAB NATIONAL BANK
Financials
Punjab National Bank provides various banking and financial products and services in India and internationally. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers personal banking products and services, including saving fund accounts, current accounts, fixed deposit, and capital gain account and gold monetization schemes; and housing, vehicle, education, personal, gold, and mortgage and other loans. It also provides various micro, small, and medium enterprises schemes and loans; banking products for government customers; agricultural schemes and loans; corporate banking products and services consist of loans against future lease rentals, working capital financing, and term loans; EXIM finance and cash management services, as well as gold card schemes for exporters; and international banking products and services. In addition, the company offers life and general insurance services; depository, mutual funds, merchant banking, and application supported by blocked amount services; and NRI banking and services. Further, the company provides mobile and internet banking, UPI, SMS banking, missed call, e-statement, ATM, passbook updating machine, and electronic cheque deposit machine services; and point of sale (PoS) is the payment acceptance solutions, NFC-enabled terminals facilitating quick payments, as well as debit and credit cards. Punjab National Bank was incorporated in 1894 and is headquartered in New Delhi, India.
TTM Revenue₹58,955 Cr
Net Profit Margin38.8%
Operating Margin49.1%
EPS (Trailing)₹19.78
Peer Comparison
Comparing PUNJAB NATIONAL BANK with leading competitors in Financials (Indian Market)
Data Provenance & Regulatory DisclosureSource: NSE/BSE Statutory Filings
Quotes are delayed by at least 15 minutes. Financial metrics and disclosures are cross-referenced with periodic statutory disclosures from the National Stock Exchange of India (NSE) and BSE India. This content is provided strictly for educational and portfolio analytics purposes, and does not constitute investment advice or Buy/Sell recommendations.
