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Is PUNJAB NATIONAL BANK or STATE BANK OF INDIA a better stock to buy?

PUNJAB NATIONAL BANK (PNB), STATE BANK OF INDIA (SBIN) are compared on DocStoX across valuation, profitability, growth and financial health. On P/E: PUNJAB NATIONAL BANK at 7.3, STATE BANK OF INDIA at 11.3. On ROE: PUNJAB NATIONAL BANK at 13.0%, STATE BANK OF INDIA at 15.4%. The better pick depends on whether you prioritise valuation, growth or balance-sheet strength.

PUNJAB NATIONAL BANK vs STATE BANK OF INDIA: which has the lowest PE ratio?

PUNJAB NATIONAL BANK has the lowest PE ratio — PUNJAB NATIONAL BANK is at 7.3, STATE BANK OF INDIA is at 11.3. A lower PE can signal a cheaper valuation, though it must be read alongside growth and quality.

Which is bigger, PUNJAB NATIONAL BANK or STATE BANK OF INDIA?

STATE BANK OF INDIA is the largest by market capitalisation — PUNJAB NATIONAL BANK is ₹1,34,465 crore, STATE BANK OF INDIA is ₹9,42,384 crore.

PUNJAB NATIONAL BANK vs STATE BANK OF INDIA

A side-by-side comparison of PUNJAB NATIONAL BANK (PNB) and STATE BANK OF INDIA (SBIN) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

On the numbers, STATE BANK OF INDIA leads PNB vs SBIN on 6 of 14 metrics (3 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

Valuation31
Profitability12
Growth10
Size & financial health03

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 3/4

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

7.30

P/E ratio

11.28

0.82

P/B ratio

1.63

2.60%

Dividend yield

1.66%

₹16.00

EPS

₹90.24

Profitability

SBIN takes 2/4

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

13.00%

Return on equity

15.40%

6.13%

Return on capital even

6.13%

12.30%

EBITDA margin

16.68%

12.36%

Net margin

11.95%

Growth

PNB takes 1/2

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

—

Revenue CAGR (3Y)

—

76.49%

Profit CAGR (3Y)

14.49%

Size & financial health

SBIN takes 3/4

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

₹1.34L Cr

Market cap

₹9.42L Cr

₹1.49L Cr

Revenue

₹7.13L Cr

₹18,467 Cr

Net profit

₹86,666 Cr

0.00

Debt / equity even

0.00

PUNJAB NATIONAL BANK

+ ["Stock is trading at 0.85 times its book value", "Company has delivered good profit growth of 48.2% CAGR over last 5 years", "Company has been maintaining a healthy dividend payout of 18.3%"]

− ["Company has low interest coverage ratio.", "The company has delivered a poor sales growth of 9.80% over past five years.", "Company has a low return on equity of 12.4% over last 3 years.", "Contingent liabilities of Rs.5,24,629 Cr.", "Company might be capitalizing the interest cost", "Promoter holding has decreased over last 3 years: -3.07%"]

STATE BANK OF INDIA

+ ["Company has been maintaining a healthy dividend payout of 18.6%"]

− ["Company has low interest coverage ratio.", "Contingent liabilities of Rs.43,52,830 Cr.", "Company might be capitalizing the interest cost", "Earnings include an other income of Rs.1,99,967 Cr."]

PUNJAB NATIONAL BANK full analysis STATE BANK OF INDIA full analysis

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