PNB Housing Finance
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PNB Housing Finance share price

PNB Housing Finance Ltd.

NSE: PNBHOUSING BSE: 540173 SECTOR: Finance - Housing  101k   339   56

868.85
-3.25 (-0.37%)
NSE: 20 Dec 04:02 PM

Price Summary

Today's High

₹ 878.95

Today's Low

₹ 843.2

52 Week High

₹ 1202.2

52 Week Low

₹ 604

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
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

₹ 22577.52 Cr.

Advances

₹ 64204.76 Cr.

No. of Shares

25.99 Cr.

P/E

13.28

P/B

1.43

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  609.33

Operating Revenue

₹ 7013.74 Cr.

Net Profit

₹ 1527.42 Cr.

Promoter Holding

28.11 %

EPS (TTM)

₹  65.45

Sales Growth

8.06

ROE

11.85 %

ROCE

9.27%

Profit Growth

44.61 %

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

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Index Presence

The company is present in 18 Indices.

NFTSML250MOMQ100

Nifty Smallcap250 Momentum Quality 100 index
50646.9
  -1119.2 (-2.16203268161982%)

NIFTY500

Nifty 500
22319.4
  -432.75 (-1.90201805104133%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
19899.4
  -461.949999999997 (-2.26875919327548%)

NIFTYSMALL

NIFTY Smallcap 100
18714.3
  -418.799999999999 (-2.18887686783636%)

NIFTYSMALLCAP250

Nifty Smallcap 250
17693.65
  -363.549999999999 (-2.01332432492302%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
17537.05
  -369.299999999999 (-2.06239685921474%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
15748.9
  -319.200000000001 (-1.98654476882768%)

NFT500EQUAL

Nifty 500 Equal Weight
14164.9
  -298.9 (-2.06653853067659%)

NIFTYTOTALMCAP

NIFTY Total Market
12606.65
  -246.4 (-1.91705470685946%)

NIFTYSMALLCAP50

Nifty Smallcap 50
8925.85
  -252.6 (-2.75209866589675%)

NIFTYFULLMIDCAP100

NIFTY FULL MIDCAP 100
5987.56
  -42.7999999999993 (-0.709742038617911%)

SMLCAP

S&P Bse Small Cap
55149.22
  -1188.47 (-2.10954691255535%)

BSE500

S&P Bse 500
35082.25
  -680.419999999998 (-1.90259843574319%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
13527.25
  -313.42 (-2.26448575105107%)

MSL400

S&P Bse 400 MidSmallCap
12101.72
  -276.790000000001 (-2.23605264284636%)

FIN

S&P Bse Finance
11379.57
  -187.380000000001 (-1.61996031797493%)

ALLCAP

S&P Bse Allcap
10471.31
  71.0699999999997 (0.683349615008888%)

SML250

S&P Bse 250 SmallCap
7054.81
  -146.24 (-2.03081495059748%)

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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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 Year8.06%
3 Year-2.49%
5 Year-1.28%

Profit Growth

1 Year44.61%
3 Year18.19%
5 Year7.15%

ROE%

1 Year11.85%
3 Year10.31%
5 Year10.2%

ROCE %

1 Year9.27%
3 Year8.46%
5 Year8.55%

ROA%

2.1898

PEG Ratio

NA

PAT Margin (%)

21.7775

EPS Growth(%)

NA

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 28.11 0.00
Jun 2024 28.13 0.00
Mar 2024 28.13 0.00
Dec 2023 28.13 0.00
Sep 2023 28.14 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 5.5035%.
  • The company is trading at 1.098 times the book value

 Limitations

  • Promoters shareholding is low at 28.11%.
  • The company has delivered poor profit growth of -2.49133905730536% over past 3 years
  • The company has delivered poor Operating Income growth of -2.49133905730536% over past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 1766.14 1748.05 1800.72 1812.53 1867.53
Other Income 1.67 3.42 5.02 9.48 1.53
Interest Expended 1057.62 1086.99 1069.99 1097.25 1118.79
Operating Expenses 189.75 206.21 155.59 152.72 129.86
Total Provisions 0 0 0 0 0
Depreciation 11.27 13.02 14.13 13.31 13.82
Profit Before Tax 509.17 445.25 566.03 558.73 606.59
Tax 124.77 98.71 122.23 120.02 134.89
Net Profit 384.4 346.54 443.8 438.71 471.7
Adjusted EPS (RS) 14.81 13.34 17.09 16.89 18.15

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 8478.32 7565.2 6141.09 6490.55 7013.74
Other Income 7.6 18.78 5.32 1127.94 193.51
Interest 5875.82 5100.59 4066.05 3901.02 4264.34
Operating Expenses 453.77 381.77 410.71 467.68 594.01
Total Provisions 1331.33 914.9 606.88 1882.98 377.22
Exceptional Items 0 0 0 0 0
Profit Before Tax 825 1186.72 1062.77 1366.81 1971.68
Tax 142.69 261.5 240.85 310.54 444.26
Profit After Tax 682.31 925.22 821.92 1056.27 1527.42
Adjusted EPS (Rs.) 33.59 45.52 40.36 51.79 58.81

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 168.19 168.27 168.6 168.86 259.72
Total Reserves 7778.97 8698.91 9631.94 10783.71 14672.65
Borrowings 60543.19 50869.32 45920.03 47233.47 46756.17
Other N/C liabilities -34.51 -154.19 -343.61 -124.44 -103.38
Current liabilities 10142.89 11320.73 10229.26 8681.19 11174.46
Total Liabilities 78598.73 70903.04 65606.22 66742.79 72759.62
Assets
Loans 66668.68 60687.37 55380.74 57908.53 64204.76
Net Block 249.7 180.11 149.46 145.33 205.93
Capital WIP 1.23 0.01 0 0.08 5.43
Intangible WIP 2.83 2.37 3.54 3.08 9.82
Investments 1953.04 1942.09 2234.48 2317.17 2429.7
Other Loans 18.73 16.46 17.06 17.33 26.07
Other N/C Assets 211.48 141.56 115.85 11.37 11.42
Current Assets 9493.04 7933.07 7705.09 6339.9 5866.49
Total Assets 78598.73 70903.04 65606.22 66742.79 72759.62
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 28.14 28.13 28.13 28.13 28.11
punjab national bank 28.14 28.13 28.13 28.13 28.11
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 71.86 71.87 71.87 71.87 71.89
aditya birla sun life tru... - - - - 2.10
asia opportunities v (mau... - - 9.88 5.19 1.34
government of singapore - - - - 6.43
hdfc large and mid cap fu... - - - - 1.37
hsbc small cap fund - - - - 2.36
llp 0.06 0.06 0.05 0.20 0.13
monetary authority of sin... - - - - 1.29
nippon life india trustee... - - - 1.24 2.17
quality investment holdin... 32.70 32.69 32.68 32.68 19.87
tata mutual fund- tata eq... 2.30 2.20 2.07 2.12 1.96
general atlantic singapor... 9.83 9.82 9.82 5.13 -
pioneer investment fund 2.12 2.12 2.12 1.73 -
investment opportunities ... 9.88 9.88 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

PNB Housing Finance informs about disclosure 7 Dec, 12:07 PM PNB Housing Finance informs about credit rating 29 Nov, 12:07 PM PNB Housing Finance informs about disclosure 18 Nov, 5:33 PM PNB Housing Finance informs about disclosures 14 Nov, 3:02 PM PNB Housing Finance - Quaterly Results 24 Oct, 6:32 PM PNB Housing Finance - Quaterly Results 24 Oct, 6:32 PM PNB Housing Finance informs about disclosures 23 Aug, 4:48 PM PNB Housing Finance informs about informs about transcript of earnings call 29 Jul, 5:22 PM PNB Housing Finance reports 25% rise in Q1 consolidated net profit 26 Jul, 11:16 AM PNB Housing Finance - Quaterly Results 25 Jul, 2:48 PM PNB Housing Finance - Quaterly Results 25 Jul, 2:48 PM PNB Housing Finance - Quaterly Results 25 Jul, 2:48 PM PNB Housing Finance informs about disclosure 27 Jun, 2:23 PM PNB Housing Finance planning to raise funds up to Rs 10,000 crore through NCDs 12 Jun, 4:28 PM PNB Housing Finance informs about disclosure 30 May, 12:34 PM PNB Housing Finance informs about outcome of analyst meet 23 May, 11:45 AM PNB Housing Finance - Quaterly Results 29 Apr, 3:22 PM PNB Housing Finance - Quaterly Results 29 Apr, 3:22 PM PNB Housing Finance - Quaterly Results 29 Apr, 3:22 PM PNB Housing Finance expands distribution network to 300 branches across India 8 Apr, 2:30 PM PNB Housing Finance informs about credit rating 30 Mar, 12:15 PM PNB Housing Finance informs about extended CSO 11 Mar, 4:55 PM PNB Housing Finance informs about outcome of board meeting 5 Mar, 9:43 AM PNB Housing Finance informs about analyst meet 14 Feb, 5:24 PM PNB Housing Finance informs about disclosure 29 Jan, 1:52 PM PNB Housing Finance informs about disclosure 27 Jan, 11:50 AM PNB Housing Finance informs about press release 25 Jan, 4:42 PM PNB Housing Finance - Quaterly Results 24 Jan, 3:53 PM PNB Housing Finance - Quaterly Results 24 Jan, 3:53 PM PNB Housing Finance - Quaterly Results 24 Jan, 3:53 PM PNB Housing Finance achieves Rs 1,000 crore loan book under affordable housing segment 8 Dec, 5:59 PM PNB Housing Finance informs about analyst meet 4 Dec, 3:18 PM PNB Housing Finance gets nod to raise Rs 3,500 crore via NCDs 25 Nov, 2:12 PM PNB Housing Finance to raise up to Rs 3500 crore through NCDs 17 Nov, 10:24 AM PNB Housing Finance inaugurates first all-women branch in Tamil Nadu 6 Nov, 2:09 PM PNB Housing Finance informs about press release 6 Nov, 11:51 AM PNB Housing Finance reports 46% rise in Q2 consolidated net profit 25 Oct, 2:08 PM PNB Housing Finance informs about investor presentation 23 Oct, 5:25 PM PNB Housing Finance - Quaterly Results 23 Oct, 4:04 PM PNB Housing Finance - Quaterly Results 23 Oct, 4:04 PM PNB Housing Finance - Quaterly Results 23 Oct, 4:04 PM PNB Housing Finance informs about allotment of ESOP / ESPS 12 Aug, 11:04 AM PNB Housing Finance eyeing 22% growth in fresh loan sales in FY24 3 Aug, 11:07 AM PNB Housing Finance - Quaterly Results 24 Jul, 2:06 PM PNB Housing Finance - Quaterly Results 24 Jul, 2:06 PM PNB Housing Finance - Quaterly Results 24 Jul, 2:06 PM PNB Housing Finance submits annual report 13 Jul, 2:49 PM PNB Housing Finance gets nod to raise up to Rs 5,000 crore via NCDs 22 Jun, 6:11 PM PNB Housing Finance to raise Rs 5000 crore through NCDs 19 Jun, 9:45 AM PNB Housing Finance submits board meeting intimation 17 Jun, 1:04 PM

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.

PNB Housing Finance stock price today is Rs 868.85. 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 1527.42 Cr and the compounded growth of profit in the past 3 years is 18.1871956720978 %. The PAT margin of PNB Housing Finance is 21.7775 %.

  • 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 grew by 13.5542 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): PNB Housing Finance has a average ROE track record. The ROE of PNB Housing Finance is at 11.8459 % 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 868.85. PNB Housing Finance is trading at a current P/E ratio of 10.7005 and the average historical P/E for the last 5 years was 7.49400608137495.

  • 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 1.4196 . The average historical P/B for the last 5 years was 0.721988158091454. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of PNB Housing Finance is Rs 868.85. One can use valuation calculators of ticker to know if PNB Housing Finance share price is undervalued or overvalued.

Last Updated on:
Brief about PNB Housing Finance

PNB Housing Finance Ltd. Financials: Check Share price, Balance Sheet, Annual report and Quarterly Results for company analysis

PNB Housing Finance Ltd. is a leading housing finance company in India. In this article, we will provide a comprehensive analysis of the company's stock, including its share price, balance sheet, annual report, dividend, quarterly result, stock price, price chart, news, concall transcripts, investor presentations, promoters, and shareholders. Our website provides pre-built screening tools and premium features such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. Additionally, we provide downloadable annual reports and quarterly results for investors to analyze.

PNB Housing Finance Ltd. Share Price

The share price of PNB Housing Finance Ltd. is an important factor to consider before investing. It reflects the market's perception of the company's performance. A stock's share price is determined by a range of factors, such as market sentiment, financial performance, and general economic conditions. Our pre-built screening tools can help investors analyze the stock price and its trend. Investors should analyze the trend of the share price over a period of time to make informed decisions.

PNB Housing Finance Ltd. Balance Sheet

The balance sheet of PNB Housing Finance Ltd. provides information on the company's assets, liabilities, and equity. It is important to analyze the balance sheet to understand the financial position of the company. Our premium features, such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis, can help investors calculate the fair value of the company.

PNB Housing Finance Ltd. Annual Report

The annual report of PNB Housing Finance Ltd. provides a comprehensive overview of the company's performance over the year. It includes information on the company's financial statements, management discussion and analysis, and corporate governance. Investors can download the annual report from our website and analyze it to understand the company's performance.

PNB Housing Finance Ltd. Dividend

PNB Housing Finance Ltd. has a history of consistently paying dividends to its shareholders. Investors can analyze the company's dividend history to understand its dividend policy. It is important to analyze the dividend payout ratio to understand how much of the company's earnings are being distributed as dividends.

PNB Housing Finance Ltd. Quarterly Result

The quarterly result of PNB Housing Finance Ltd. provides information on the company's performance over a quarter. It includes information on the company's revenue, net profit, and earnings per share. Investors can download the quarterly results from our website and analyze it to understand the company's performance.

PNB Housing Finance Ltd. Stock Price

The stock price of PNB Housing Finance Ltd. is influenced by various factors such as market conditions, company performance, and news. Investors can analyze the stock price to understand the market's perception of the company's performance. Our pre-built screening tools can help investors analyze the stock price and its trend.

PNB Housing Finance Ltd. Price Chart

The price chart of PNB Housing Finance Ltd. provides a visual representation of the stock price trend over a period of time. Investors can analyze the price chart to understand the trend of the stock price. Our pre-built screening tools can help investors analyze the price chart and its trend.

PNB Housing Finance Ltd. News

News plays an important role in influencing the stock price of PNB Housing Finance Ltd. Investors can analyze the news related to the company to understand its impact on the stock price. Our pre-built screening tools can help investors analyze the news related to the company.

PNB Housing Finance Ltd. Concall Transcripts

The concall transcripts of PNB Housing Finance Ltd. provide information on the company's performance and management's outlook for the future. Investors can download the concall transcripts from our website and analyze it to understand the company's performance.

PNB Housing Finance Ltd. Investor Presentations

The investor presentations of PNB Housing Finance Ltd. provide information on the company's strategy, performance, and outlook for the future. Investors can download the investor presentations from our website and analyze it to understand the company's performance.

PNB Housing Finance Ltd. Promoters

The promoters of PNB Housing Finance Ltd. are the individuals or entities that hold a significant stake in the company. It is important to analyze the promoters to understand their track record and their influence on the company's performance.

PNB Housing Finance Ltd. Shareholders

The shareholders of PNB Housing Finance Ltd. are the individuals or entities that own a stake in the company. It is important to analyze the shareholders to understand their influence on the company's performance.

PNB Housing Finance Ltd. ROCE

Refer to the financials table or ratio section above to access the Return on Capital Employed (ROCE) data for PNB Housing Finance Ltd. ROCE is a critical metric for evaluating the company's profitability and capital efficiency. It provides insights into how effectively the company is utilizing its capital to generate returns, aiding investors in assessing its operational performance and value creation ability.

PNB Housing Finance Ltd. EBITDA

Find PNB Housing Finance Ltd.'s Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) data in the financials table or ratio section above. EBITDA is a key metric for evaluating the company's operational performance and cash flow generation. By excluding non-operating expenses, EBITDA offers a clearer view of the company's core profitability.

PNB Housing Finance Ltd. DPS

Explore the Dividends Per Share (DPS) data for PNB Housing Finance Ltd. in the financials table or ratio section above. DPS indicates the company's dividend distribution per share, enabling investors to evaluate its dividend payment history and commitment to maximizing shareholder returns.

PNB Housing Finance Ltd. EPS

Access the Earnings Per Share (EPS) data for PNB Housing Finance Ltd. in the financials table or ratio section above. EPS provides valuable insights into the company's earnings potential and growth prospects on a per-share basis, helping investors assess its financial performance and profitability.

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