AI Summary
✦ ClarthaPrice Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 17 analysts
Fundamentals
Fundamentals institutional score is 72 using EVA spread proxy 3.0%; growth durability 77.2.
Valuation
Valuation institutional score is 29 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 50 using mean target upside 7.0%; dispersion penalty 15.4; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 90 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 10 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and technical structure provide support, while valuation and analyst consensus remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 11.2% above historical median. Valuation is stable — currently in the overvalued zone (z-score: +0.71). Confidence: 50%.
Live forward EPS implies next-12-month EPS of ₹17.18. Applying the stock's normalized valuation corridor produces a fair range of ₹78.34 to ₹106.17, with base value near ₹92.26 (-18.7% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹17.18
Forward P/E
6.6x
Base Fair Value
₹92.26
Fair Range
₹78.34 - ₹106.17
Upside To Base
-18.7%
Estimate Source
Live forward EPS
Growth Estimate
+1.9%
5Y Average
0.88
Current
0.83
Overvalued
1.01
Undervalued
0.75
5Y Average
4.14
Current
5.97
Overvalued
6.18
Undervalued
4.56
5Y Average
1.56
Current
2.25
Overvalued
1.79
Undervalued
1.33
Peers & Comparison
Sector: Financials · Theme: Public Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
UNION BANK OF INDIA UNIONBANKPublic Banks | — | 40.5% | 6.7x Undervalued | -18% vs avg | +33.6% |
BANK OF BARODA BANKBARODAPublic Banks | +18.0% | 27.4% | 7.0x Fair | -15% vs avg | +1.9% |
CANARA BANK CANBKPublic Banks | -12.9% | 43.1% | 6.1x Undervalued | -26% vs avg | +17.8% |
INDIAN BANK INDIANBPublic Banks | +10.3% | 36.4% | 9.2x Fair | +12% vs avg | +32.5% |
BANK OF INDIA BANKINDIAPublic Banks | +18.5% | 35.0% | 5.3x Undervalued | -35% vs avg | +24.2% |
BANK OF MAHARASHTRA MAHABANKPublic Banks | +21.8% | 53.4% | 8.1x Fair | -1% vs avg | +41.7% |
INDIAN OVERSEAS BANK IOBPublic Banks | +48.1% | 36.6% | 11.6x Premium | +41% vs avg | -6.4% |
UCO BANK UCOBANKPublic Banks | +53.0% | 21.5% | 11.7x Premium | +43% vs avg | -7.8% |
PUNJAB NATIONAL BANK trades at a discount (5.9x vs peer avg 8.2x), suggesting potential undervaluation relative to the Public Banks cohort. Peers include UNION BANK OF INDIA, BANK OF BARODA, CANARA BANK — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹32.90K CrJun 2026Latest net profit
₹5.25K CrJun 2026Free cash flow
₹24.75K CrMar 2026Net Profit
₹5.25K CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 25,145 | 26,355 | 27,288 | 28,113 | 28,556 | 29,875 | 31,340 | 31,989 | 31,964 | 31,872 | 32,231 | 32,157 | 32,897 |
| Interest | 15,641 | 16,432 | 16,995 | 17,750 | 18,080 | 19,358 | 20,308 | 21,232 | 21,386 | 21,403 | 21,698 | 21,776 | 22,099 |
| Expenses + | 10,935 | 10,179 | 9,375 | 9,783 | 8,817 | 8,523 | 7,538 | 9,057 | 9,088 | 8,227 | 9,224 | 7,466 | 8,154 |
| Financing Profit | -1,431 | -256 | 918 | 580 | 1,659 | 1,993 | 3,494 | 1,700 | 1,490 | 2,242 | 1,309 | 2,915 | 2,645 |
| Financing Margin % | -6% | -1% | 3% | 2% | 6% | 7% | 11% | 5% | 5% | 7% | 4% | 9% | 8% |
| Other Income + | 3,434 | 3,028 | 2,674 | 4,248 | 3,610 | 4,572 | 3,412 | 4,716 | 5,268 | 4,342 | 5,022 | 4,162 | 4,333 |
| Depreciation | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Profit before tax | 2,003 | 2,772 | 3,592 | 4,828 | 5,269 | 6,565 | 6,906 | 6,416 | 6,758 | 6,584 | 6,331 | 7,077 | 6,978 |
| Tax % | 37% | 37% | 38% | 38% | 38% | 34% | 35% | 29% | 75% | 26% | 19% | 26% | 25% |
| Net Profit + | 1,255 | 1,756 | 2,223 | 3,010 | 3,252 | 4,303 | 4,508 | 4,567 | 1,675 | 4,904 | 5,100 | 5,225 | 5,253 |
| EPS in Rs | 1.14 | 1.59 | 2.02 | 2.73 | 2.95 | 3.74 | 3.92 | 3.97 | 1.46 | 4.27 | 4.44 | 4.55 | 4.57 |
| Gross NPA % | 7.73% | 6.96% | 6.24% | 5.73% | 4.98% | 4.48% | 4.09% | 3.95% | 3.78% | 3.45% | 3.19% | 2.95% | 2.78% |
| Net NPA % | 1.98% | 1.47% | 0.96% | 0.73% | 0.60% | 0.46% | 0.41% | 0.40% | 0.38% | 0.36% | 0.32% | 0.29% | 0.28% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Board Meeting Outcome for Outcome Of Board Meeting Under Regulation 30 And 51 Of SEBI (LODR) Regulations, 2015