Punjab National Bank vs Shriram Finance Limited

A side-by-side comparison of Punjab National Bank (PNB) and Shriram Finance Limited (SHRIRAMFIN) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

Punjab National Bank vs Shriram Finance Limited are evenly matched on the numbers (7–7). The breakdown below shows where each one wins.

  • Valuation31
  • Profitability04
  • Growth11
  • Size & financial health31
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 3/4

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

7.62
P/E ratio
16.98
0.92
P/B ratio
2.31
2.57%
Dividend yield
1.04%
₹16.00
EPS
₹53.29

Profitability

SHRIRAMFIN takes 4/4

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

12.26%
Return on equity
15.21%
5.24%
Return on capital
11.00%
12.30%
EBITDA margin
73.67%
14.12%
Net margin
20.83%

Growth

Even

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

14.62%
Revenue CAGR (3Y)
16.45%
76.50%
Profit CAGR (3Y)
18.53%

Size & financial health

PNB takes 3/4

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

₹1.40L Cr
Market cap
₹2.18L Cr
₹1.31L Cr
Revenue
₹48,133 Cr
₹18,467 Cr
Net profit
₹10,024 Cr
0.00
Debt / equity
2.75
Punjab National Bank
  • + ["Company has delivered good profit growth of 47.0% CAGR over last 5 years", "Stock is trading at 0.93 times its book value"]
  • − ["The company has delivered a poor sales growth of 9.8% over past five years."]
Shriram Finance Limited
  • + ["Company has delivered good profit growth of 32.0% CAGR over last 5 years", "Company has been maintaining a healthy dividend payout of 25.4%", "Company has delivered good sales growth of 22.5% CAGR over last 5 years"]
  • − []
Punjab National Bank full analysis Shriram Finance Limited full analysis

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