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Last Updated on: 12 March, 2025
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo
Stock Ticker - BSE: 540173 | NSE: PNBHOUSING

PNB Housing Finance Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 8, 2025, 11:09 am

Market Cap 21,265 Cr.
Current Price 818
High / Low 1,202/600
Stock P/E11.6
Book Value 575
Dividend Yield0.00 %
ROCE9.27 %
ROE11.8 %
Face Value 10.0
PEG Ratio0.80

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for PNB Housing Finance Ltd

Competitors of PNB Housing Finance Ltd

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Ind Bank Housing Ltd 43.9 Cr. 43.9 87.9/38.6 1210.00 %7.86 %% 10.0
Home First Finance Company India Ltd 8,873 Cr. 985 1,383/77724.6 2550.35 %11.2 %15.5 % 2.00
Aptus Value Housing Finance India Ltd 15,059 Cr. 301 402/26821.3 80.31.50 %14.7 %17.2 % 2.00
Repco Home Finance Ltd 2,038 Cr. 326 595/3084.71 4940.92 %10.5 %14.6 % 10.0
PNB Housing Finance Ltd 21,265 Cr. 818 1,202/60011.6 5750.00 %9.27 %11.8 % 10.0
Industry Average9,439.50 Cr364.8310.78287.760.90%11.06%13.49%5.64

All Competitor Stocks of PNB Housing Finance Ltd

Quarterly Result

MetricDec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Revenue1,4821,4141,4041,6721,7871,6271,6991,7661,7481,8011,8131,8681,923
Interest 9989319309649971,0081,0481,0581,0871,0701,0971,1191,158
Expenses 224247149356409261187190206156153130149
Financing Profit260237325352381358464519455575563619615
Financing Margin %18%17%23%21%21%22%27%29%26%32%31%33%32%
Other Income 001-1010235922
Depreciation 13141313131313111314131414
Profit before tax 248223313338369346451509445566559607603
Tax % 26%24%24%22%26%18%22%24%22%22%21%22%22%
Net Profit 184170238263272283353384347444439472471
EPS in Rs 7.096.569.1910.1410.5010.9013.5914.8113.3417.0916.8918.1518.14
Gross NPA %7.64%7.61%6.35%6.05%4.86%3.83%3.76%1.78%1.73%1.50%1.35%1.24%1.19%
Net NPA %4.87%4.49%4.26%3.59%3.22%2.76%2.58%1.19%1.14%0.95%0.92%0.84%0.80%

Last Updated: February 28, 2025, 5:51 pm

Below is a detailed analysis of the quarterly data for PNB Housing Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

  • For Interest, as of Dec 2024, the value is ₹1,158.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,119.00 Cr. (Sep 2024) to ₹1,158.00 Cr., marking an increase of ₹39.00 Cr..
  • For Expenses, as of Dec 2024, the value is ₹149.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 130.00 Cr. (Sep 2024) to ₹149.00 Cr., marking an increase of ₹19.00 Cr..
  • For Other Income, as of Dec 2024, the value is ₹2.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 2.00 Cr..
  • For Depreciation, as of Dec 2024, the value is ₹14.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 14.00 Cr..
  • For Profit before tax, as of Dec 2024, the value is ₹603.00 Cr.. The value appears to be declining and may need further review. It has decreased from 607.00 Cr. (Sep 2024) to ₹603.00 Cr., marking a decrease of 4.00 Cr..
  • For Tax %, as of Dec 2024, the value is 22.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 22.00%.
  • For Net Profit, as of Dec 2024, the value is ₹471.00 Cr.. The value appears to be declining and may need further review. It has decreased from 472.00 Cr. (Sep 2024) to ₹471.00 Cr., marking a decrease of 1.00 Cr..
  • For EPS in Rs, as of Dec 2024, the value is 18.14. The value appears to be declining and may need further review. It has decreased from ₹18.15 (Sep 2024) to 18.14, marking a decrease of ₹0.01.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 3:13 pm

MetricMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Revenue6661,1201,7802,6983,9085,4887,4818,4787,5656,1416,4917,0147,404
Interest 4628021,2651,8602,6443,5375,1675,8765,1014,0663,9014,2644,444
Expenses 751362133204426937081,7191,2349641,173737587
Financing Profit1301833035188221,2581,6068841,2301,1111,4162,0132,372
Financing Margin %19%16%17%19%21%23%21%10%16%18%22%29%32%
Other Income -0-0-01004715521018
Depreciation 13815192431665953515156
Profit before tax 1291792945038041,2351,5788251,1871,0631,3671,9722,334
Tax % 28%28%34%35%35%32%31%17%22%23%23%23%
Net Profit 931301943265248421,0816829258221,0561,5271,826
EPS in Rs 12.079.459.9516.7320.5732.9042.0126.3935.7831.7240.7058.8170.27
Dividend Payout % 13%15%16%13%19%18%14%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-2024
YoY Net Profit Growth (%)39.78%49.23%68.04%60.74%60.69%28.38%-36.91%35.63%-11.14%28.47%44.60%
Change in YoY Net Profit Growth (%)0.00%9.45%18.81%-7.31%-0.05%-32.30%-65.30%72.54%-46.77%39.60%16.14%

PNB Housing Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:20%
5 Years:-1%
3 Years:-2%
TTM:8%
Compounded Profit Growth
10 Years:28%
5 Years:7%
3 Years:18%
TTM:34%
Stock Price CAGR
10 Years:%
5 Years:32%
3 Years:33%
1 Year:20%
Return on Equity
10 Years:12%
5 Years:10%
3 Years:10%
Last Year:12%

Last Updated: Unknown

Balance Sheet

Last Updated: Unknown

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Equity Capital 5066104127166167167168168169169260
Reserves 5688681,4752,0195,4126,4027,2687,7798,6999,63210,78414,673
Borrowings 6,69510,10816,48126,01435,49753,77771,85967,73659,39452,96153,62155,017
Other Liabilities 3424989761,5111,8852,6734,4563,1913,0722,8882,2312,422
Total Liabilities 7,65511,54019,03529,67142,96063,01883,75078,87471,33365,64966,80572,371
Fixed Assets 1426405858255102250181150146206
CWIP 431842105424315
Investments 7776451,5861,6223,2802,4134,4572,0482,0333,4723,1884,345
Other Assets 6,86010,86517,39227,98739,62060,34079,18576,57269,11762,02463,46867,804
Total Assets 7,65511,54019,03529,67142,96063,01883,75078,87471,33365,64966,80572,371

Below is a detailed analysis of the balance sheet data for PNB Housing Finance Ltd based on the most recent figures (Mar 2024) and their trends compared to the previous period:

  • For Equity Capital, as of Mar 2024, the value is ₹260.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹169.00 Cr. (Mar 2023) to ₹260.00 Cr., marking an increase of 91.00 Cr..
  • For Reserves, as of Mar 2024, the value is ₹14,673.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹10,784.00 Cr. (Mar 2023) to ₹14,673.00 Cr., marking an increase of 3,889.00 Cr..
  • For Borrowings, as of Mar 2024, the value is ₹55,017.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹53,621.00 Cr. (Mar 2023) to ₹55,017.00 Cr., marking an increase of 1,396.00 Cr..
  • For Other Liabilities, as of Mar 2024, the value is ₹2,422.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹2,231.00 Cr. (Mar 2023) to ₹2,422.00 Cr., marking an increase of 191.00 Cr..
  • For Total Liabilities, as of Mar 2024, the value is ₹72,371.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹66,805.00 Cr. (Mar 2023) to ₹72,371.00 Cr., marking an increase of 5,566.00 Cr..
  • For Fixed Assets, as of Mar 2024, the value is ₹206.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹146.00 Cr. (Mar 2023) to ₹206.00 Cr., marking an increase of 60.00 Cr..
  • For CWIP, as of Mar 2024, the value is ₹15.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹3.00 Cr. (Mar 2023) to ₹15.00 Cr., marking an increase of 12.00 Cr..
  • For Investments, as of Mar 2024, the value is ₹4,345.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹3,188.00 Cr. (Mar 2023) to ₹4,345.00 Cr., marking an increase of 1,157.00 Cr..
  • For Other Assets, as of Mar 2024, the value is ₹67,804.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹63,468.00 Cr. (Mar 2023) to ₹67,804.00 Cr., marking an increase of 4,336.00 Cr..
  • For Total Assets, as of Mar 2024, the value is ₹72,371.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹66,805.00 Cr. (Mar 2023) to ₹72,371.00 Cr., marking an increase of 5,566.00 Cr..

However, the Borrowings (55,017.00 Cr.) are higher than the Reserves (₹14,673.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity +-2,901-3,627-6,791-9,664-12,406-15,664-16,6268,9116,5666,216-1,772-4,644
Cash from Investing Activity +-14-15-37-20-17-50-53-625-1,476174-1,193
Cash from Financing Activity +2,9653,6046,8509,80412,32218,46417,888-4,362-8,177-6,7323014,179
Net Cash Flow51-3822120-1012,7511,2094,486-1,606-1,992-1,297-1,659

Free Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow69.00126.00197.00294.00407.00640.00637.00-66.00-58.00912.00-52.00682.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
ROE %18%17%15%18%14%14%15%9%11%9%10%12%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Promoters32.57%32.57%32.57%32.53%32.52%28.15%28.14%28.13%28.13%28.13%28.11%28.11%
FIIs23.96%23.96%23.24%23.64%24.29%24.77%24.81%24.70%25.00%17.89%20.42%24.34%
DIIs2.33%2.38%3.28%2.98%3.65%7.60%7.72%7.86%6.88%10.95%22.17%26.85%
Public41.14%41.09%40.90%40.85%39.53%39.48%39.32%39.32%39.98%43.04%29.29%20.69%
No. of Shareholders1,19,1871,20,5921,19,9971,18,1471,08,2691,20,1931,19,6311,24,6561,33,1771,62,9381,58,7991,83,482

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Tata Equity P/E Fund - Regular Plan2,631,1663.14203.552,631,1662025-03-100%
Tata Equity P/E Fund - Regular Plan - Trigger Option A 5%2,631,1663.14203.552,631,1662025-03-100%
Nippon India Small Cap Fund2,232,8910.42172.742,631,1662025-03-10-15.14%
Tata Banking and Financial Services Fund815,7093.5363.12,631,1662025-03-10-69%
Tata Flexi Cap Fund753,1212.3258.262,631,1662025-03-10-71.38%
Tata Multicap Fund682,4442.0152.792,631,1662025-03-10-74.06%
Baroda BNP Paribas Balanced Advantage Fund475,2501.0536.772,631,1662025-03-10-81.94%
Mahindra Manulife Small Cap Fund464,7431.4135.952,631,1662025-03-10-82.34%
Mahindra Manulife Multi Cap Fund440,0001.3834.042,631,1662025-03-10-83.28%
Bandhan Small Cap Fund346,4610.8326.82,631,1662025-03-10-86.83%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 58.3762.0149.6455.2938.45
Diluted EPS (Rs.) 58.2061.9549.5355.2638.41
Cash EPS (Rs.) 60.0364.9952.7858.7742.34
Book Value[Excl.RevalReserv]/Share (Rs.) 576.56652.24585.51530.28475.52
Book Value[Incl.RevalReserv]/Share (Rs.) 576.56652.24585.51530.28475.52
Revenue From Operations / Share (Rs.) 271.45386.55367.49451.89504.30
PBDIT / Share (Rs.) 241.27314.51308.53378.31401.44
PBIT / Share (Rs.) 239.30311.47305.36374.80397.52
PBT / Share (Rs.) 75.2380.5964.2971.7348.22
Net Profit / Share (Rs.) 58.0661.9449.6155.2638.42
NP After MI And SOA / Share (Rs.) 58.0661.9449.6155.2638.42
PBDIT Margin (%) 88.8881.3683.9583.7179.60
PBIT Margin (%) 88.1580.5783.0982.9478.82
PBT Margin (%) 27.7120.8417.4915.879.56
Net Profit Margin (%) 21.3816.0213.5012.227.61
NP After MI And SOA Margin (%) 21.3816.0213.5012.227.61
Return on Networth / Equity (%) 10.079.498.4710.428.08
Return on Capital Employeed (%) 40.9115.6014.5115.8314.91
Return On Assets (%) 2.081.561.271.300.81
Long Term Debt / Equity (X) 0.002.042.563.324.43
Total Debt / Equity (X) 3.624.875.376.668.47
Asset Turnover Ratio (%) 0.100.090.080.100.10
Current Ratio (X) 1.262.002.152.242.30
Quick Ratio (X) 1.262.002.152.242.30
Interest Coverage Ratio (X) 1.471.361.281.251.15
Interest Coverage Ratio (Post Tax) (X) 1.351.271.211.181.11
Enterprise Value (Cr.) 68014.3558494.4554140.8958725.5261965.57
EV / Net Operating Revenue (X) 9.658.968.747.727.31
EV / EBITDA (X) 10.8511.0110.419.239.18
MarketCap / Net Operating Revenue (X) 2.321.331.030.820.32
Price / BV (X) 1.090.780.640.700.34
Price / Net Operating Revenue (X) 2.321.331.030.820.32
EarningsYield 0.090.120.130.140.23

After reviewing the key financial ratios for PNB Housing Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:

  • For FaceValue, as of Mar 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
  • For Basic EPS (Rs.), as of Mar 24, the value is 58.37. This value is within the healthy range. It has decreased from 62.01 (Mar 23) to 58.37, marking a decrease of 3.64.
  • For Diluted EPS (Rs.), as of Mar 24, the value is 58.20. This value is within the healthy range. It has decreased from 61.95 (Mar 23) to 58.20, marking a decrease of 3.75.
  • For Cash EPS (Rs.), as of Mar 24, the value is 60.03. This value is within the healthy range. It has decreased from 64.99 (Mar 23) to 60.03, marking a decrease of 4.96.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 576.56. It has decreased from 652.24 (Mar 23) to 576.56, marking a decrease of 75.68.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 576.56. It has decreased from 652.24 (Mar 23) to 576.56, marking a decrease of 75.68.
  • For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 271.45. It has decreased from 386.55 (Mar 23) to 271.45, marking a decrease of 115.10.
  • For PBDIT / Share (Rs.), as of Mar 24, the value is 241.27. This value is within the healthy range. It has decreased from 314.51 (Mar 23) to 241.27, marking a decrease of 73.24.
  • For PBIT / Share (Rs.), as of Mar 24, the value is 239.30. This value is within the healthy range. It has decreased from 311.47 (Mar 23) to 239.30, marking a decrease of 72.17.
  • For PBT / Share (Rs.), as of Mar 24, the value is 75.23. This value is within the healthy range. It has decreased from 80.59 (Mar 23) to 75.23, marking a decrease of 5.36.
  • For Net Profit / Share (Rs.), as of Mar 24, the value is 58.06. This value is within the healthy range. It has decreased from 61.94 (Mar 23) to 58.06, marking a decrease of 3.88.
  • For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 58.06. This value is within the healthy range. It has decreased from 61.94 (Mar 23) to 58.06, marking a decrease of 3.88.
  • For PBDIT Margin (%), as of Mar 24, the value is 88.88. This value is within the healthy range. It has increased from 81.36 (Mar 23) to 88.88, marking an increase of 7.52.
  • For PBIT Margin (%), as of Mar 24, the value is 88.15. This value exceeds the healthy maximum of 20. It has increased from 80.57 (Mar 23) to 88.15, marking an increase of 7.58.
  • For PBT Margin (%), as of Mar 24, the value is 27.71. This value is within the healthy range. It has increased from 20.84 (Mar 23) to 27.71, marking an increase of 6.87.
  • For Net Profit Margin (%), as of Mar 24, the value is 21.38. This value exceeds the healthy maximum of 10. It has increased from 16.02 (Mar 23) to 21.38, marking an increase of 5.36.
  • For NP After MI And SOA Margin (%), as of Mar 24, the value is 21.38. This value exceeds the healthy maximum of 20. It has increased from 16.02 (Mar 23) to 21.38, marking an increase of 5.36.
  • For Return on Networth / Equity (%), as of Mar 24, the value is 10.07. This value is below the healthy minimum of 15. It has increased from 9.49 (Mar 23) to 10.07, marking an increase of 0.58.
  • For Return on Capital Employeed (%), as of Mar 24, the value is 40.91. This value is within the healthy range. It has increased from 15.60 (Mar 23) to 40.91, marking an increase of 25.31.
  • For Return On Assets (%), as of Mar 24, the value is 2.08. This value is below the healthy minimum of 5. It has increased from 1.56 (Mar 23) to 2.08, marking an increase of 0.52.
  • For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 2.04 (Mar 23) to 0.00, marking a decrease of 2.04.
  • For Total Debt / Equity (X), as of Mar 24, the value is 3.62. This value exceeds the healthy maximum of 1. It has decreased from 4.87 (Mar 23) to 3.62, marking a decrease of 1.25.
  • For Asset Turnover Ratio (%), as of Mar 24, the value is 0.10. It has increased from 0.09 (Mar 23) to 0.10, marking an increase of 0.01.
  • For Current Ratio (X), as of Mar 24, the value is 1.26. This value is below the healthy minimum of 1.5. It has decreased from 2.00 (Mar 23) to 1.26, marking a decrease of 0.74.
  • For Quick Ratio (X), as of Mar 24, the value is 1.26. This value is within the healthy range. It has decreased from 2.00 (Mar 23) to 1.26, marking a decrease of 0.74.
  • For Interest Coverage Ratio (X), as of Mar 24, the value is 1.47. This value is below the healthy minimum of 3. It has increased from 1.36 (Mar 23) to 1.47, marking an increase of 0.11.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.35. This value is below the healthy minimum of 3. It has increased from 1.27 (Mar 23) to 1.35, marking an increase of 0.08.
  • For Enterprise Value (Cr.), as of Mar 24, the value is 68,014.35. It has increased from 58,494.45 (Mar 23) to 68,014.35, marking an increase of 9,519.90.
  • For EV / Net Operating Revenue (X), as of Mar 24, the value is 9.65. This value exceeds the healthy maximum of 3. It has increased from 8.96 (Mar 23) to 9.65, marking an increase of 0.69.
  • For EV / EBITDA (X), as of Mar 24, the value is 10.85. This value is within the healthy range. It has decreased from 11.01 (Mar 23) to 10.85, marking a decrease of 0.16.
  • For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 2.32. This value is within the healthy range. It has increased from 1.33 (Mar 23) to 2.32, marking an increase of 0.99.
  • For Price / BV (X), as of Mar 24, the value is 1.09. This value is within the healthy range. It has increased from 0.78 (Mar 23) to 1.09, marking an increase of 0.31.
  • For Price / Net Operating Revenue (X), as of Mar 24, the value is 2.32. This value is within the healthy range. It has increased from 1.33 (Mar 23) to 2.32, marking an increase of 0.99.
  • For EarningsYield, as of Mar 24, the value is 0.09. This value is below the healthy minimum of 5. It has decreased from 0.12 (Mar 23) to 0.09, marking a decrease of 0.03.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of PNB Housing Finance Ltd as of March 12, 2025 is: ₹642.24

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 12, 2025, PNB Housing Finance Ltd is Overvalued by 21.49% compared to the current share price 818.00

Intrinsic Value of PNB Housing Finance Ltd as of March 12, 2025 is: 735.06

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 12, 2025, PNB Housing Finance Ltd is Overvalued by 10.14% compared to the current share price 818.00

Last 5 Year EPS CAGR: 14.45%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

Stock Analysis

  • Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in PNB Housing Finance Ltd:
    1. Net Profit Margin: 21.38%
      • Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
    2. ROCE: 40.91% (Industry Average ROCE: 11.06%)
      • ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
    3. ROE%: 10.07% (Industry Average ROE: 13.49%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 1.35
      • Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
    5. Quick Ratio: 1.26
      • Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
    6. Stock P/E: 11.6 (Industry average Stock P/E: 10.78)
      • Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
    7. Total Debt / Equity: 3.62
      • Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

PNB Housing Finance Ltd. is a Public Limited Listed company incorporated on 11/11/1988 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65922DL1988PLC033856 and registration number is 033856. Currently Company is involved in the business activities of Activities of specialized institutions granting credit for house purchases that also take deposits. Company's Total Operating Revenue is Rs. 7013.74 Cr. and Equity Capital is Rs. 259.72 Cr. for the Year ended 31/03/2024.
INDUSTRYADDRESSCONTACT
Finance - Housing9th Floor, Antriksh Bhawan, New Delhi Delhi 110001investor.services@pnbhousing.com
http://www.pnbhousing.com
Management
NamePosition Held
Mr. Girish KousgiManaging Director & CEO
Mr. R ChandrasekaranIndependent Director
Mr. Nilesh S VikamseyIndependent Director
Mr. Atul Kumar GoelNon Exe. & Nominee Director
Mr. Sunil KaulNon Exe. & Nominee Director
Mr. Kapil ModiNon Exe. & Nominee Director
Mr. Dilip Kumar JainNon Exe. & Nominee Director
Dr. T M BhasinIndependent Director
Ms. Gita NayyarIndependent Director
Mr. Sudarshan SenIndependent Director
Mr. Pavan KaushalIndependent Director
Mr. Neeraj VyasNon Exe.Non Ind.Director

FAQ

What is the latest intrinsic value of PNB Housing Finance Ltd?

The latest intrinsic value of PNB Housing Finance Ltd as on 09 March 2025 is ₹642.24, which is 21.49% lower than the current market price of 818.00, indicating the stock is overvalued by 21.49%. The intrinsic value of PNB Housing Finance Ltd is calculated using PE ratio method. The stock has a market capitalization of ₹21,265 Cr. and recorded a high/low of ₹1,202/600 during the current fiscal year 2024-2025. As of Mar 2024, the company has reserves of ₹14,673 Cr and total liabilities of ₹72,371 Cr.

What is the Market Cap of PNB Housing Finance Ltd?

The Market Cap of PNB Housing Finance Ltd is 21,265 Cr..

What is the current Stock Price of PNB Housing Finance Ltd as on 09 March 2025?

The current stock price of PNB Housing Finance Ltd as on 09 March 2025 is ₹818.

What is the High / Low of PNB Housing Finance Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of PNB Housing Finance Ltd stocks is ₹1,202/600.

What is the Stock P/E of PNB Housing Finance Ltd?

The Stock P/E of PNB Housing Finance Ltd is 11.6.

What is the Book Value of PNB Housing Finance Ltd?

The Book Value of PNB Housing Finance Ltd is 575.

What is the Dividend Yield of PNB Housing Finance Ltd?

The Dividend Yield of PNB Housing Finance Ltd is 0.00 %.

What is the ROCE of PNB Housing Finance Ltd?

The ROCE of PNB Housing Finance Ltd is 9.27 %.

What is the ROE of PNB Housing Finance Ltd?

The ROE of PNB Housing Finance Ltd is 11.8 %.

What is the Face Value of PNB Housing Finance Ltd?

The Face Value of PNB Housing Finance Ltd is 10.0.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in PNB Housing Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE