JIO FIN SERVICES LTD vs PUNJAB NATIONAL BANK

A side-by-side comparison of JIO FIN SERVICES LTD (JIOFIN) and PUNJAB NATIONAL BANK (PNB) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

On the numbers, PUNJAB NATIONAL BANK leads JIOFIN vs PNB on 9 of 14 metrics. See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation04
  • Profitability22
  • Growth20
  • Size & financial health13
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

PNB takes 4/4

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

88.80
P/E ratio
7.62
1.11
P/B ratio
0.92
0.26%
Dividend yield
2.57%
₹2.41
EPS
₹16.00

Profitability

Even

How efficiently each company turns capital and sales into profit. Higher is better.

1.17%
Return on equity
12.26%
1.69%
Return on capital
5.24%
65.60%
EBITDA margin
12.30%
44.43%
Net margin
14.12%

Growth

JIOFIN takes 2/2

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

327.40%
Revenue CAGR (3Y)
14.62%
269.26%
Profit CAGR (3Y)
76.50%

Size & financial health

PNB takes 3/4

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹1.41L Cr
Market cap
₹1.40L Cr
₹3,513 Cr
Revenue
₹1.31L Cr
₹1,561 Cr
Net profit
₹18,467 Cr
0.16
Debt / equity
0.00
JIO FIN SERVICES LTD
  • + ["Company has delivered good profit growth of 66.2% CAGR over last 5 years", "Company has been maintaining a healthy dividend payout of 25.4%", "Company has delivered good sales growth of 64.1% CAGR over last 5 years"]
  • − ["Company has a low return on equity of 1.2% over last 3 years."]
PUNJAB NATIONAL BANK
  • + ["Company has delivered good profit growth of 47.0% CAGR over last 5 years", "Stock is trading at 0.89 times its book value"]
  • − ["The company has delivered a poor sales growth of 9.8% over past five years."]
JIO FIN SERVICES LTD full analysis PUNJAB NATIONAL BANK full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.