Home > Analytics > PNB HOUSING FINANCE

PNB HOUSING FINANCE
Intrinsic Value | Fundamental Analysis

BOM : 540173     NSE : PNBHOUSING    
LT :  
    Long Term Analysis
Fundamentals : Average
Valuation : Good [Stock is Cheap]
Debt : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Mild Upward
Pledged Shares : None or < 25%
Dec 02,2022
Price(EOD): ₹ 446.10
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Finance - Housing
MCap: ₹ 7,530.17 Cr
Value of ₹ 1 Lac invested in PNB HOUSING FINANCE
on Dec 04,2017 (price: ₹ 1,328.35)

₹ 1 L

₹ 0.34 L

1W : 1.1% 1M : 5.4% 1Y : -19.6%
COMMUNITY POLL
for PNB HOUSING FINANCE
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PNB HOUSING FINANCE is part of below Screeners ↓
Top Undervalued Small Cap Stocks
Best Quarterly Growth Small Cap Stocks
Industry Peers & Returns1W1M1Y
PNB HOUSING FINANCE 1.1% 5.4% -19.6%
HOUSING DEVELOPMENT FINANCE CORPORATION 0.3% 6.3% 0.9%
LIC HOUSING FINANCE 0.8% 7.3% 5.9%
AAVAS FINANCIERS -0.7% -2.3% -32.4%
INDIABULLS HOUSING FINANCE -0.3% 12.8% -37.8%
HOUSING & URBAN DEVELOPMENT CORPORATION 6% 43.1% 35.7%
CAN FIN HOMES 1% 8.9% -7%
HOME FIRST FINANCE COMPANY INDIA 5.7% 3.1% -7.1%
REPCO HOME FINANCE 6.6% 16.7% -17.2%

FUNDAMENTAL ANALYSIS OF PNB HOUSING FINANCE

 
Fundamentals Score
[ Q(TTM): Sep2022, Y: Mar2022
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF PNB HOUSING FINANCE

 
Valuation Score
[As on : Dec 02,2022 ]

Ratio Consolidated
P/E
P/B
P/S
8.8
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 855.58 Cr
[Latest Qtr - Sep2022 - Consolidated Results ]

0.77
P/B Calculated based on Book Value of Rs 9,816.09 Cr
[Latest Year - Mar2022 - Consolidated Results ]

1.25
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 6,015.91 Cr
[Latest Qtr - Sep2022 - Consolidated Results ]

Financial Ratios →

Insights 💡 PNBHOUSING is one of the potential top 16% undervalued companies ! Discover More →

FAIR VALUE OF PNB HOUSING FINANCE

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
-50%
-46%
-59%

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SHARE PRICE MOMENTUM OF PNB HOUSING FINANCE



PNB HOUSING FINANCE vs SENSEX


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DEBT OF PNB HOUSING FINANCE

Year Debt/Equity ratio
Standalone Consolidated
2022
2021
2020
Avg_3yrs
5.44
6.75
8.6
6.93
5.4
6.71
8.54
6.88
[Last Annual Data : Mar2022]
Financial Ratios →

PLEDGED PROMOTER SHARES OF PNB HOUSING FINANCE

Pledged Promoter Shares
0 %
As on : Sep2022

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF PNB HOUSING FINANCE

Consolidated Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
19.4%
5.22%
9.43%
11.78%
6.38%
-1.34%
16.91%
11.66%
QtrlyTrend
6
Latest Qtr: Sep2022
Quarterly Result Analysis →


PNB HOUSING FINANCE related INDICES

BSE Indices1W1M1Y
S&P BSE 400 MIDSMALLCAP 2.7% 3.3% 8.5%
S&P BSE MIDSMALLCAP 2.6% 3.1% 7.8%
S&P BSE SMALL CAP 2.4% 3.5% 8.6%
S&P BSE 250 SMALLCAP 2.2% 4% 8%
S&P BSE DIVERSIFIED FINL. REV. 1.9% 2.8% NA
NSE Indices1W1M1Y
NIFTY MID SMALL400 2.7% 3.1% 9.2%
NIFTY SMALLCAP250 2.4% 4% 6.6%
NIFTY500 MULTICAP 50:25:25 1.9% 3% 8.8%
NIFTY 500 1.5% 2.7% 8.9%

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FAQ about PNB HOUSING FINANCE


Is PNB HOUSING FINANCE good for long term investment?

As on Dec 02,2022, the Fundamentals of PNB HOUSING FINANCE look Average and hence you may wait for the results to improve to invest for long term ! See Financial Performance of PNB HOUSING FINANCE . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is PNB HOUSING FINANCE UnderValued or OverValued?

As on Dec 02,2022, PNB HOUSING FINANCE is Under Valued based on the estimates of intrinsic value and hence may be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of PNB HOUSING FINANCE ?

As on Dec 02,2022, the Intrinsic Value of PNB HOUSING FINANCE is Rs. 898.50 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 898.50
Fair Value [Median EV / Sales Model] : Rs. 819.47
Fair Value [Median Price / Sales Model] : Rs. 1,101.20
Estimated Median Fair Value of PNB HOUSING FINANCE : Rs. 898.50

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is PNB HOUSING FINANCE trading at a Premium or Discount?

As on Dec 02,2022, PNB HOUSING FINANCE is trading at a Discount of -50% based on the estimates of Median Intrinsic Value!

SEBI Research Analyst
The Founder of this website, Mr. Rohit Katiyar is registered with SEBI as a Research Analyst [INH000007377].