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PNB Housing Finance share price

PNB Housing Finance Ltd.

NSE: PNBHOUSING BSE: 540173 SECTOR: Finance - Housing  80k   316   54

734.15
-1.05 (-0.14%)
BSE: 17 May 04:01 PM

Price Summary

Today's High

₹ 750.15

Today's Low

₹ 731.95

52 Week High

₹ 913.95

52 Week Low

₹ 452.2

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its 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

19067.63 Cr.

Advances

57908.53 Cr.

No. of Shares

25.97 Cr.

P/E

12.48

P/B

1.28

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  574.93

Operating Revenue

6490.55 Cr.

Net Profit

1056.27 Cr.

Promoter Holding

28.13 %

EPS (TTM)

₹  58.81

Sales Growth

5.69

ROE

10.23 %

ROCE

8.27%

Profit Growth

28.51 %

* 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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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 Year5.69%
3 Year-8.52%
5 Year3.41%

Profit Growth

1 Year28.51%
3 Year15.68%
5 Year4.64%

ROE%

1 Year10.23%
3 Year10.07%
5 Year10.94%

ROCE %

1 Year8.27%
3 Year8.28%
5 Year8.63%

ROA%

1.59619272364484

PEG Ratio

0.44

PAT Margin (%)

16.2739675374198

EPS Growth(%)

28.314635782374

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 28.13 0
Dec 2023 28.13 0
Sep 2023 28.14 0
Jun 2023 28.15 0
Mar 2023 32.52 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 0.795173925645457 times the book value

 Limitations

  • Promoters shareholding is low at 28.13%.
  • The company has delivered poor profit growth of -8.52039403187891% over past 3 years
  • The company has delivered poor Operating Income growth of -8.52039403187891% over past 3 years.
  • Provision and contingencies have increased by 210.206401238737%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Operating Revenue 1626.81 1698.83 1766.14 1748.05 1800.72
Other Income 1 0.13 1.67 3.42 5.02
Interest Expended 1008.33 1047.82 1057.62 1086.99 1069.99
Operating Expenses 260.85 187.35 189.75 206.21 155.59
Total Provisions 0 0 0 0 0
Depreciation 12.57 12.56 11.27 13.02 14.13
Profit Before Tax 346.06 451.23 509.17 445.25 566.03
Tax 63.15 98.55 124.77 98.71 122.23
Net Profit 282.91 352.68 384.4 346.54 443.8
Adjusted EPS (RS) 13.87 13.59 14.81 13.34 17.09

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Operating Income 7480.86 8478.32 7565.2 6141.09 6490.55
Other Income 3.74 7.6 18.78 5.32 1127.94
Interest 5167.29 5875.82 5100.59 4066.05 3901.02
Operating Expenses 532.85 453.77 381.77 410.71 467.68
Total Provisions 206.41 1331.33 914.9 606.88 1882.98
Exceptional Items 0 0 0 0 0
Profit Before Tax 1578.05 825 1186.72 1062.77 1366.81
Tax 496.67 142.69 261.5 240.85 310.54
Profit After Tax 1081.38 682.31 925.22 821.92 1056.27
Adjusted EPS (Rs.) 53.46 33.59 45.52 40.36 51.79

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 167.47 168.19 168.27 168.6 168.86
Total Reserves 7267.54 7778.97 8698.91 9631.94 10783.71
Borrowings 56073.77 60543.19 50869.32 45920.03 47233.47
Other N/C liabilities 190.07 -34.51 -154.19 -343.61 -124.44
Current liabilities 20000.18 10142.89 11320.73 10229.26 8680.86
Total Liabilities 83699.03 78598.73 70903.04 65606.22 66742.46
Assets
Loans 74327.47 66668.68 60687.37 55380.74 57908.53
Net Block 101.75 249.7 180.11 149.46 145.33
Capital WIP 3.81 1.23 0.01 0 0.08
Intangible WIP 1.36 2.83 2.37 3.54 3.08
Investments 1386.32 1953.04 1942.09 2234.48 2317.17
Other Loans 18.75 18.73 16.46 17.06 17.33
Other N/C Assets 132.98 211.48 141.56 115.85 11.37
Current Assets 7726.59 9493.04 7933.07 7705.09 6339.57
Total Assets 83699.03 78598.73 70903.04 65606.22 66742.46
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 32.52 28.15 28.14 28.13 28.13
punjab national bank 32.52 28.15 28.14 28.13 28.13
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 67.48 71.85 71.86 71.87 71.87
asia opportunities v (mau... - - - - 9.88
general atlantic singapor... 9.83 9.83 9.83 9.82 9.82
llp 0.04 0.05 0.06 0.06 0.05
pioneer investment fund - 2.12 2.12 2.12 2.12
quality investment holdin... 32.09 32.71 32.70 32.69 32.68
tata mutual fund- tata eq... 1.81 2.32 2.30 2.20 2.07
investment opportunities ... 9.88 9.88 9.88 9.88 -
nippon life india trustee... - 1.17 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

PNB Housing Finance - Quaterly Results29 Apr 2024, 3:22PM PNB Housing Finance - Quaterly Results29 Apr 2024, 3:22PM PNB Housing Finance - Quaterly Results29 Apr 2024, 3:22PM PNB Housing Finance expands distribution network to 300 branches across India8 Apr 2024, 2:30PM PNB Housing Finance informs about credit rating30 Mar 2024, 12:15PM PNB Housing Finance informs about extended CSO 11 Mar 2024, 4:55PM PNB Housing Finance informs about outcome of board meeting5 Mar 2024, 9:43AM PNB Housing Finance informs about analyst meet14 Feb 2024, 5:24PM PNB Housing Finance informs about disclosure29 Jan 2024, 1:52PM PNB Housing Finance informs about disclosure 27 Jan 2024, 11:50AM PNB Housing Finance informs about press release25 Jan 2024, 4:42PM PNB Housing Finance - Quaterly Results24 Jan 2024, 3:53PM PNB Housing Finance - Quaterly Results24 Jan 2024, 3:53PM PNB Housing Finance - Quaterly Results24 Jan 2024, 3:53PM PNB Housing Finance achieves Rs 1,000 crore loan book under affordable housing segment8 Dec 2023, 5:59PM PNB Housing Finance informs about analyst meet4 Dec 2023, 3:18PM PNB Housing Finance gets nod to raise Rs 3,500 crore via NCDs25 Nov 2023, 2:12PM PNB Housing Finance to raise up to Rs 3500 crore through NCDs17 Nov 2023, 10:24AM PNB Housing Finance inaugurates first all-women branch in Tamil Nadu6 Nov 2023, 2:09PM PNB Housing Finance informs about press release6 Nov 2023, 11:51AM PNB Housing Finance reports 46% rise in Q2 consolidated net profit25 Oct 2023, 2:08PM PNB Housing Finance informs about investor presentation23 Oct 2023, 5:25PM PNB Housing Finance - Quaterly Results23 Oct 2023, 4:04PM PNB Housing Finance - Quaterly Results23 Oct 2023, 4:04PM PNB Housing Finance - Quaterly Results23 Oct 2023, 4:04PM PNB Housing Finance informs about allotment of ESOP / ESPS12 Aug 2023, 11:04AM PNB Housing Finance eyeing 22% growth in fresh loan sales in FY243 Aug 2023, 11:07AM PNB Housing Finance - Quaterly Results24 Jul 2023, 2:06PM PNB Housing Finance - Quaterly Results24 Jul 2023, 2:06PM PNB Housing Finance - Quaterly Results24 Jul 2023, 2:06PM PNB Housing Finance submits annual report13 Jul 2023, 2:49PM PNB Housing Finance gets nod to raise up to Rs 5,000 crore via NCDs22 Jun 2023, 6:11PM PNB Housing Finance to raise Rs 5000 crore through NCDs19 Jun 2023, 9:45AM PNB Housing Finance submits board meeting intimation 17 Jun 2023, 1:04PM PNB Housing Finance informs about investor conference9 Jun 2023, 12:06PM PNB Housing Finance informs about transcript of earnings call23 May 2023, 5:23PM PNB Housing Finance - Quaterly Results18 May 2023, 4:04PM PNB Housing Finance - Quaterly Results18 May 2023, 4:04PM PNB Housing Finance - Quaterly Results18 May 2023, 4:04PM PNB Housing Finance informs about disclosure 9 May 2023, 11:36AM PNB Housing Finance informs about investor meeting22 Mar 2023, 11:52AM PNB Housing Finance gets Sebi's nod to raise up to Rs 2,500 crore 14 Mar 2023, 12:42PM PNB Housing Finance reports 43% rise in Q3 consolidated net profit25 Jan 2023, 2:13PM PNB Housing Finance informs about press release 24 Jan 2023, 4:38PM PNB Housing Finance - Quaterly Results24 Jan 2023, 2:58PM PNB Housing Finance - Quaterly Results24 Jan 2023, 2:58PM PNB Housing Finance - Quaterly Results24 Jan 2023, 2:58PM PNB Housing Finance planning to raise up to Rs 2000 crore through NCDs17 Jan 2023, 11:35AM PNB Housing Finance opens 'Roshni' branches for affordable housing loans17 Dec 2022, 3:50PM PNB Housing Finance informs about newspaper advertisement23 Nov 2022, 5:13PM

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 1056.27 Cr and the compounded growth of profit in the past 3 years is 15.6814624343628 %. The PAT margin of PNB Housing Finance is 16.2739675374198 %.

  • 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 28.3146813471053 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): PNB Housing Finance has a average ROE track record. The ROE of PNB Housing Finance is at 10.2315259674845 % 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 735.3. PNB Housing Finance is trading at a current P/E ratio of 6.79531083245041 and the average historical P/E for the last 5 years was 8.03528954465611.

  • 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 1.3024 . The average historical P/B for the last 5 years was 0.895342325797692. 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 735.3. 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.

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