PNB Housing Finance Ltd.

NSE: PNBHOUSING BSE: 540173 SECTOR: Finance - Housing  29k   199   42

568.25
-5.40 (-0.94%)
NSE: Today, 03:54 PM

Price Summary

Today's High

₹ 595

Today's Low

₹ 558

52 Week High

₹ 925

52 Week Low

₹ 317.55

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

9579.45 Cr.

Advances

60687.37 Cr.

No. of Shares

16.86 Cr.

P/E

11.66

P/B

1.02

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  554.7

Operating Revenue

7569.63 Cr.

Net Profit

925.22 Cr.

Promoter Holding

32.58 %

EPS (TTM)

₹  48.73

Sales Growth

-10.72

ROE

11.1 %

ROCE

8.73%

Profit Growth

35.6 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

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Index Presence

The company is present in 23 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year-10.72%
3 Year11.31%
5 Year22.92%

Profit Growth

1 Year35.6%
3 Year3.19%
5 Year23.16%

ROE%

1 Year11.1%
3 Year11.86%
5 Year12.61%

ROCE %

1 Year8.73%
3 Year9.01%
5 Year9.28%

ROA%

1.23773785420734

PEG Ratio

0.33

PAT Margin (%)

12.2227902816914

EPS Growth(%)

35.5367709252393

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2021 32.58 0
Jun 2021 32.59 0
Mar 2021 32.64 0
Dec 2020 32.65 0
Sep 2020 32.65 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 4.175087434901%.
  • The company is trading at 0.716601128738249 times the book value

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021
Operating Revenue 2012.68 1872.77 1813.4 1675.35 1569.35
Other Income 6.04 8.29 2.22 1.1 3.1
Interest Expended 1339.82 1246.35 1149.63 1103.09 1034.08
Operating Expenses 268.71 338.48 477.18 254.6 238.81
Total Provisions 0 0 0 0 0
Depreciation 14.56 13.99 14.29 12.76 13.38
Profit Before Tax 395.63 282.24 174.52 306 286.18
Tax 83.27 58.97 44.54 71.04 52.87
Net Profit 312.36 223.27 129.98 234.96 233.31

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 3907.7 5488.06 7480.86 8478.32 7569.63
Other Income 0.15 0.63 3.74 7.6 18.78
Interest 2643.65 3537.03 5167.29 5875.3 5099.45
Operating Expenses 351.06 420.88 532.85 453.77 382.72
Total Provisions 109.13 296.2 206.41 1331.85 919.52
Exceptional Items 0 0 0 0 0
Profit Before Tax 804.01 1234.58 1578.05 825 1186.72
Tax 280.28 392.44 496.67 142.69 261.5
Profit After Tax 523.73 842.14 1081.38 682.31 925.22
Adjusted EPS (Rs.) 31.62 50.55 64.57 40.57 54.98

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 165.64 166.59 167.47 168.19 168.27
Total Reserves 5411.67 6401.76 7267.54 7778.97 8698.91
Borrowings 24083.96 38811.41 56073.77 60543.19 50869.32
Other N/C liabilities 393.21 167.38 190.07 -34.51 -154.19
Current liabilities 12905.07 17862.25 20000.18 10142.89 11320.73
Total Liabilities 42959.55 63409.39 83699.03 78598.73 70903.04
Assets
Loans 36443.79 57167.27 74327.47 66668.68 60687.37
Net Block 58.4 254.09 232.86 456.26 316.59
Capital WIP 2.03 8.23 3.81 1.23 0.01
Intangible WIP 0 1.46 1.36 2.83 2.37
Investments 961.35 1183.54 1386.88 1953.59 1942.63
Other Loans 12.66 16.49 18.75 18.73 16.46
Other N/C Assets 265.77 0.95 1.31 4.37 4.54
Current Assets 5215.55 4777.36 7726.59 9493.04 7933.07
Total Assets 42959.55 63409.39 83699.03 78598.73 70903.04
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Promoters 32.65 32.65 32.64 32.59 32.58
punjab national ba... 32.65 32.65 32.64 32.59 32.58
PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Investors 67.35 67.35 67.36 67.41 67.42
quality investment... 32.22 - 32.21 32.16 32.15
investment opportu... 8.19 9.92 9.92 9.90 9.90
general atlantic s... 9.87 9.87 9.86 9.85 9.84
varde holdings pte... - - - - -
franklin india pri... - - - - -
franklin india equ... 1.72 - - - -
franklin india tax... - - 1.60 1.48 1.48
government of sing... - - - 1.25 1.41
llp - - - 0.26 0.11

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

PNB Housing Finance - Quaterly Results2 Nov 2021, 5:27PM PNB Housing Finance collaborates with CSC e-Governance Services 7 Oct 2021, 10:23AM PNB Housing Finance informs about analyst meet29 Sep 2021, 12:26PM PNB Housing Finance planning to raise Rs 35,000 crore 12 Aug 2021, 9:19AM PNB Housing Finance planning to reduce corporate loan book to below Rs 10,000 crore by end of FY2210 Aug 2021, 10:27AM PNB Housing Finance planning to manage bad loans better9 Aug 2021, 1:15PM CCI gives approval for proposed investments by Carlyle in PNB Housing Finance5 Aug 2021, 1:33PM PNB Housing Finance reports 5% fall in Q1 consolidated net profit4 Aug 2021, 4:11PM PNB Housing Finance informs about adjournment of the case6 Jul 2021, 9:45AM PNB Housing Finance informs about annual secretarial compliance report28 Jun 2021, 4:48PM PNB Housing Finance informs about EGM results25 Jun 2021, 12:36PM PNB Housing Finance reaches SAT against Sebi order to halt Carlyle deal21 Jun 2021, 12:32PM PNB Housing Finance informs about disclosure21 Jun 2021, 9:59AM NHB imposes penalty of Rs 80,000 on PNB Housing Finance16 Jun 2021, 11:41AM PNB Housing Finance informs about press release31 May 2021, 11:00AM PNB Housing Finance informs about investor presentation31 May 2021, 10:56AM PNB Housing Finance’s board approves capital raise of Rs 4,000 crore led by Carlyle31 May 2021, 10:18AM PNB Housing Finance planning to raise funds through various modes27 May 2021, 2:26PM PNB Housing Finance executes revised trademark agreement with PNB27 May 2021, 1:39PM PNB Housing Finance turns black in Q4 28 Apr 2021, 11:25AM PNB Housing Finance informs about earnings call invite 19 Apr 2021, 5:30PM PNB Housing Finance, Yes Bank enter into strategic co-lending partnership5 Mar 2021, 1:13PM PNB Housing Finance informs about allotment of equity shares under ESOP25 Feb 2021, 3:30PM PNB Housing Finance informs about investor conference9 Feb 2021, 4:42PM PNB Housing Finance plans tie-ups with banks for co-lending in housing loan sector1 Feb 2021, 9:21AM PNB Housing Finance reports 2% fall in Q3 consolidated net profit28 Jan 2021, 11:16AM PNB Housing Finance submits newspaper advertisement 18 Dec 2020, 3:46PM PNB Housing Finance informs about disclosure 24 Nov 2020, 10:27AM PNB Housing Finance launches innovative digital customer on-boarding platform ‘Ace’29 Jul 2020, 10:03AM PNB Housing Finance hopes to disburse Rs 13,000 crore loan in FY2127 Jul 2020, 9:46AM PNB Housing Finance reports 10% fall in Q1 consolidated net profit24 Jul 2020, 11:52AM PNB Housing Finance to raise Rs 45,000 crore via NCDs13 Jul 2020, 9:41AM PNB Housing Finance to sell corporate assets to streamline balance sheet10 Jul 2020, 10:30AM CARE downgrades PNB Housing Finance’s rating on borrowings, NCDs, FDs6 Jul 2020, 12:25PM PNB Housing Finance sees sharp fall in customers opting for moratorium19 Jun 2020, 12:34PM PNB Housing Finance informs about compliance certificate19 May 2020, 3:14PM PNB Housing Finance signs MoU with IIT Delhi6 May 2020, 12:57PM PNB Housing Finance informs about record date4 May 2020, 4:27PM PNB Housing Finance signs agreement with JICA7 Apr 2020, 9:23AM

PNB Housing Finance Stock Price Analysis and Quick Research Report. Is PNB Housing Finance an attractive stock to invest in?

 

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the PNB Housing Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 925.22 Cr and the compounded growth of profit in the past 3 years is 3.18583965552734 %. The PAT margin of PNB Housing Finance is 12.2227902816914 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In PNB Housing Finance , the EPS #if( 35.5368050522828 > 0) then "grew" else "declined";# by 35.5368050522828 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a #if( 11.0979366944289 >= 20) then "healthy" elseif( 11.0979366944289 < 20 and 11.0979366944289 >=10) then "average" else "poor";# ROE track record. The ROE of PNB Housing Finance is at 11.0979366944289 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of PNB Housing Finance is worth at the current levels at Rs $$PRICE_Y_1$$. The stock is trading at a current P/E ratio of 6.81103515003374 and the average historical P/E for the last 5 years was 17.4725440470285.

  • P/B ratio can be one of the best metrics to value such companies. Currently, PNB Housing Finance is trading at a P/B of 1.0591 . The average historical P/B for the last 5 years was 1.96990911889251. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about PNB Housing Finance

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