TickerKhojComparison · NSE · data 2026-11-01
Punjab National Bank vs Union Bank of India Limited
In plain words
Size: Union Bank of India Limited is about 1 times the market value of Punjab National Bank.
Return on equity: Union Bank of India Limited 15.7% vs Punjab National Bank 13%.
Profit growth over 3 years: Punjab National Bank 76.4% a year vs Union Bank of India Limited 31.7% a year.
Debt to equity: Punjab National Bank 1.54 vs Union Bank of India Limited 0.67.
Differences in the numbers, not a recommendation of either stock.
Side by side
| PNB | UNIONBANK | |
|---|---|---|
| Price | ₹122.85 | ₹186 |
| Market cap | ₹1,40,789 cr | ₹1,41,374 cr |
| P/E | 6.2 | 6.5 |
| P/B | 0.9 | 1 |
| ROE | 13.0% | 15.7% |
| ROCE | 2.0% | 2.2% |
| Debt / equity | 1.54 | 0.67 |
| Operating margin | 46.1% | 45.6% |
| Dividend yield | 2.45% | 2.70% |
| Sales growth, 3 years (yearly) | 14.1% | 9.7% |
| Profit growth, 3 years (yearly) | 76.4% | 31.7% |
| 1-year return | 1.5% | 27.0% |
| Revenue, last 12 months | ₹1,51,526 cr | ₹1,30,808 cr |
| Net profit, last 12 months | ₹22,861 cr | ₹21,999 cr |
| Latest quarter | Sept 2026 | Sept 2026 |
| Quarter net profit | ₹5,898 cr | ₹5,781 cr |
| Quarter profit vs a year earlier | +15.1% | +30.6% |
| Promoter holding | 70.08% | 74.76% |
| Health check | Strong (6.8/10) | Strong (7.4/10) |
Common questions
Which has a higher P/E, Punjab National Bank or Union Bank of India Limited?
Union Bank of India Limited trades at the higher P/E (6.5 against 6.2). A higher P/E means the market pays more for each rupee of past earnings; on its own it does not say which is better.
Which earns a higher return on equity?
Union Bank of India Limited (15.7% against 13.0%).
Which carries more debt?
Punjab National Bank has the higher debt-to-equity ratio (1.54 against 0.67).