PNB Housing Finance Ltd

PNB Housing Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

PNB Housing Finance Ltd

₹ 855 -1.32%
22 Nov - close price
pnbhousing.com BSE: 540173 NSE: PNBHOUSING
About

PNB Housing Finance offers retail customers housing and non-housing loans, including individual home loans, loan against property, non-resident property loan, among others. It is promoted by Punjab National Bank. [1]

Key Points

Service Offerings
The company provides loans to purchase, construct, repair, and upgrade houses. It also provides loans for commercial space, loans against property, and loans for purchasing residential plots. [1]

Website BSE NSE
  • Market Cap ₹ 22,206 Cr.
  • Current Price ₹ 855
  • High / Low ₹ 1,202 / 600
  • Stock P/E 13.1
  • Book Value ₹ 575
  • Dividend Yield 0.00 %
  • ROCE 9.27 %
  • ROE 11.8 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -1.28% over past five years.
  • Company has a low return on equity of 10.4% over last 3 years.
  • Promoter holding has decreased over last 3 years: -4.47%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

Part of BSE 250 SmallCap Index BSE 400 MidSmallCap Index BSE Allcap BSE Financial Services Nifty Smallcap 50

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 1,569 1,482 1,414 1,404 1,672 1,787 1,627 1,699 1,766 1,748 1,801 1,813 1,868
Interest 1,034 998 931 930 964 997 1,008 1,048 1,058 1,087 1,070 1,097 1,119
239 224 247 149 356 409 261 187 190 206 156 153 130
Financing Profit 296 260 237 325 352 381 358 464 519 455 575 563 619
Financing Margin % 19% 18% 17% 23% 21% 21% 22% 27% 29% 26% 32% 31% 33%
3 0 0 1 -1 0 1 0 2 3 5 9 2
Depreciation 13 13 14 13 13 13 13 13 11 13 14 13 14
Profit before tax 286 248 223 313 338 369 346 451 509 445 566 559 607
Tax % 18% 26% 24% 24% 22% 26% 18% 22% 24% 22% 22% 21% 22%
233 184 170 238 263 272 283 353 384 347 444 439 472
EPS in Rs 9.00 7.09 6.56 9.19 10.14 10.50 10.90 13.59 14.81 13.34 17.09 16.89 18.15
Gross NPA % 5.92% 7.64% 7.61% 6.35% 6.05% 4.86% 3.83% 3.76% 1.78% 1.73% 1.50% 1.35% 1.24%
Net NPA % 3.32% 4.87% 4.49% 4.26% 3.59% 3.22% 2.76% 2.58% 1.19% 1.14% 0.95% 0.92% 0.84%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 666 1,120 1,780 2,698 3,908 5,488 7,481 8,478 7,565 6,141 6,491 7,014 7,229
Interest 462 802 1,265 1,860 2,644 3,537 5,167 5,876 5,101 4,066 3,901 4,264 4,373
75 136 213 320 442 693 708 1,719 1,234 964 1,173 737 644
Financing Profit 130 183 303 518 822 1,258 1,606 884 1,230 1,111 1,416 2,013 2,211
Financing Margin % 19% 16% 17% 19% 21% 23% 21% 10% 16% 18% 22% 29% 31%
-0 -0 -0 1 0 0 4 7 15 5 2 10 19
Depreciation 1 3 8 15 19 24 31 66 59 53 51 51 54
Profit before tax 129 179 294 503 804 1,235 1,578 825 1,187 1,063 1,367 1,972 2,177
Tax % 28% 28% 34% 35% 35% 32% 31% 17% 22% 23% 23% 23%
93 130 194 326 524 842 1,081 682 925 822 1,056 1,527 1,701
EPS in Rs 12.07 9.45 9.95 16.73 20.57 32.90 42.01 26.39 35.78 31.72 40.70 58.81 65.47
Dividend Payout % 13% 15% 16% 13% 19% 18% 14% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 20%
5 Years: -1%
3 Years: -2%
TTM: 5%
Compounded Profit Growth
10 Years: 28%
5 Years: 7%
3 Years: 18%
TTM: 32%
Stock Price CAGR
10 Years: %
5 Years: 13%
3 Years: 29%
1 Year: 9%
Return on Equity
10 Years: 12%
5 Years: 10%
3 Years: 10%
Last Year: 12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 50 66 104 127 166 167 167 168 168 169 169 260
Reserves 568 868 1,475 2,019 5,412 6,402 7,268 7,779 8,699 9,632 10,784 14,673
6,695 10,108 16,481 26,014 35,497 53,777 71,859 67,736 59,394 52,961 53,621 55,017
342 498 976 1,511 1,885 2,673 4,456 3,191 3,072 2,888 2,231 2,422
Total Liabilities 7,655 11,540 19,035 29,671 42,960 63,018 83,750 78,874 71,333 65,649 66,805 72,371
14 26 40 58 58 255 102 250 181 150 146 206
CWIP 4 3 18 4 2 10 5 4 2 4 3 15
Investments 777 645 1,586 1,622 3,280 2,413 4,457 2,048 2,033 3,472 3,188 4,345
6,860 10,865 17,392 27,987 39,620 60,340 79,185 76,572 69,117 62,024 63,468 67,804
Total Assets 7,655 11,540 19,035 29,671 42,960 63,018 83,750 78,874 71,333 65,649 66,805 72,371

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-2,901 -3,627 -6,791 -9,664 -12,406 -15,664 -16,626 8,911 6,566 6,216 -1,772 -4,644
-14 -15 -37 -20 -17 -50 -53 -62 5 -1,476 174 -1,193
2,965 3,604 6,850 9,804 12,322 18,464 17,888 -4,362 -8,177 -6,732 301 4,179
Net Cash Flow 51 -38 22 120 -101 2,751 1,209 4,486 -1,606 -1,992 -1,297 -1,659

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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

Shareholding Pattern

Numbers in percentages

15 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
32.57% 32.57% 32.57% 32.57% 32.53% 32.52% 28.15% 28.14% 28.13% 28.13% 28.13% 28.11%
24.30% 23.96% 23.96% 23.24% 23.64% 24.29% 24.77% 24.81% 24.70% 25.00% 17.89% 20.42%
2.49% 2.33% 2.38% 3.28% 2.98% 3.65% 7.60% 7.72% 7.86% 6.88% 10.95% 22.17%
40.64% 41.14% 41.09% 40.90% 40.85% 39.53% 39.48% 39.32% 39.32% 39.98% 43.04% 29.29%
No. of Shareholders 1,04,3981,19,1871,20,5921,19,9971,18,1471,08,2691,20,1931,19,6311,24,6561,33,1771,62,9381,58,799

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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