PNB Housing

Market Cap: Large Cap
Industry: Finance - Housing
ISIN: INE572E01012
NSEID: PNBHOUSING
BSEID: 540173

INR

966.65

42.95 (4.65%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 9.84 lacs

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

INDIA SHELTE FIN

Aavas Financiers

LIC Housing Fin.

Can Fin Homes

Aptus Value Hou.

PNB Housing

Home First Finan

Repco Home Fin

HUDCO

Sammaan Capital

GIC Housing Fin

Why is PNB Housing Finance Ltd ?

Poor long term growth as Net Sales has grown by an annual rate of -3.00% and Operating profit at -2.28%

The company has declared Positive results for the last 9 consecutive quarters

DEBT-EQUITY RATIO(HY) Lowest at 3.59 times
NET SALES(Q) Highest at Rs 1,941.76 cr
PBDIT(Q) Highest at Rs 1,786.60 cr.

Technical trend is Sideways signifying no clear price momentum

The technical trend has improved from Mildly Bearish on 08-Apr-25 and has generated 0.05% returns since then

With ROE of 10.6, it has a Fair valuation with a 1.5 Price to Book Value

The stock is trading at a premium compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 25.38%, its profits have risen by 35.4% ; the PEG ratio of the company is 0.4

High Institutional Holdings at 51.19%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 8.59% over the previous quarter.

Consistent Returns over the last 3 years

Along with generating 25.38% returns in the last 1 year, the stock has outperformed BSE 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to PNB Housing should be less than 10%
Overall Portfolio exposure to Finance - Housing should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance - Housing)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is PNB Housing for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

PNB Housing

25.73%

0.61

41.87%

SENSEX

0.45%

0.03

14.48%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-3.00%

EBIT Growth (5y)

-2.28%

Net Debt to Equity (avg)

Institutional Holding

51.19%

ROE (avg)

8.67%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.51

EV to EBIT

11.66

EV to EBITDA

11.57

EV to Capital Employed

1.12

EV to Sales

10.58

PEG Ratio

0.37

Dividend Yield

ROCE (Latest)

9.21%

ROE (Latest)

10.59%

Loading Valuation Snapshot...

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

17What is working for the Company

DEBT-EQUITY RATIO(HY)

Lowest at 3.59 times

NET SALES(Q)

Highest at Rs 1,941.76 cr

PBDIT(Q)

Highest at Rs 1,786.60 cr.

PAT(Q)

At Rs 483.27 cr has Grown at 42.8 %

PBT LESS OI(Q)

Highest at Rs 614.30 cr.

EPS(Q)

Highest at Rs 18.60

-1What is not working for the Company

CASH AND CASH EQUIVALENTS(HY)

Lowest at Rs 2,175.00 cr

Loading Valuation Snapshot...

Here's what is working for PNB Housing

Net Sales - Quarterly

Highest at Rs 1,941.76 cr and Grown

each quarter in the last five quarters

MOJO Watch

Near term sales trend is very positive

Net Sales (Rs Cr)

Operating Profit (PBDIT) - Quarterly

Highest at Rs 1,786.60 cr. and Grown

each quarter in the last five quarters

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (Rs Cr)

Profit After Tax (PAT) - Quarterly

At Rs 483.27 cr has Grown at 42.8 %

Year on Year (YoY)

MOJO Watch

Near term PAT trend is very positive

PAT (Rs Cr)

Debt-Equity Ratio - Half Yearly

Lowest at 3.59 times and Fallen

each half year in the last five half yearly periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Profit Before Tax less Other Income (PBT) - Quarterly

Highest at Rs 614.30 cr.

in the last five quarters

MOJO Watch

Near term PBT trend is positive

PBT less Other Income (Rs Cr)

Profit Before Tax less Other Income (PBT) - Quarterly

At Rs 614.30 cr has Grown at 39.92 %

Year on Year (YoY)

MOJO Watch

Near term PBT trend is positive

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

Highest at Rs 483.27 cr.

in the last five quarters

MOJO Watch

Near term PAT trend is positive

PAT (Rs Cr)

Earnings per Share (EPS) - Quarterly

Highest at Rs 18.60

in the last five quarters

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (Rs)

Here's what is not working for PNB Housing

Cash and Cash Equivalents - Half Yearly

Lowest at Rs 2,175.00 cr

in the last six half yearly periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents