PNB Housing Finance Ltd

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

PNB Housing Finance Ltd

₹ 801 0.52%
03 Jul - 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

Presence
The Co has a pan-Indian network of 94 branches across 64 cities and towns with a cumulative 74,469 Cr worth of AUM. It has 2.6 lakhs active customer base. [1]

Website BSE NSE
  • Market Cap ₹ 20,813 Cr.
  • Current Price ₹ 801
  • High / Low ₹ 914 / 559
  • Stock P/E 13.8
  • Book Value ₹ 577
  • Dividend Yield 0.00 %
  • ROCE 9.23 %
  • ROE 11.6 %
  • 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 -1.70% over past five years.
  • Company has a low return on equity of 10.3% over last 3 years.
  • Promoter holding has decreased over last 3 years: -4.51%

* 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Revenue 1,832 1,692 1,583 1,495 1,425 1,411 1,684 1,797 1,636 1,708 1,778 1,755 1,810
Interest 1,151 1,103 1,035 996 931 930 964 996 1,008 1,048 1,057 1,087 1,070
480 262 247 233 257 158 366 421 275 201 204 216 170
Financing Profit 200 327 302 267 237 323 355 379 353 459 517 452 570
Financing Margin % 11% 19% 19% 18% 17% 23% 21% 21% 22% 27% 29% 26% 31%
2 1 3 0 0 1 -1 0 2 0 2 1 4
Depreciation 14 13 13 13 14 13 13 13 13 13 11 13 14
Profit before tax 188 315 291 254 224 311 340 367 342 447 507 440 560
Tax % 32% 23% 19% 26% 24% 24% 23% 27% 18% 22% 24% 23% 22%
127 243 235 188 170 235 263 269 279 347 383 338 439
EPS in Rs 4.91 9.39 9.08 7.27 6.54 9.06 10.13 10.38 10.76 13.38 14.75 13.03 16.91
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Revenue 5,489 7,679 8,482 7,604 6,196 6,527 7,050
Interest 3,537 5,167 5,875 5,101 4,065 3,900 4,261
693 750 1,737 1,253 998 1,217 791
Financing Profit 1,258 1,762 870 1,250 1,133 1,410 1,998
Financing Margin % 23% 23% 10% 16% 18% 22% 28%
0 4 7 16 5 2 7
Depreciation 24 31 66 59 53 51 51
Profit before tax 1,235 1,734 811 1,207 1,084 1,361 1,954
Tax % 32% 31% 20% 23% 23% 23% 23%
841 1,192 646 930 836 1,046 1,508
EPS in Rs 32.86 46.29 25.00 35.96 32.28 40.31 58.06
Dividend Payout % 18% 13% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: -2%
3 Years: -2%
TTM: 8%
Compounded Profit Growth
10 Years: %
5 Years: 5%
3 Years: 17%
TTM: 44%
Stock Price CAGR
10 Years: %
5 Years: 4%
3 Years: 12%
1 Year: 41%
Return on Equity
10 Years: %
5 Years: 10%
3 Years: 10%
Last Year: 12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 167 167 168 168 169 169 260
Reserves 6,401 7,376 7,830 8,755 9,703 10,845 14,715
53,777 71,859 67,735 59,392 52,961 53,621 55,017
2,670 4,466 3,197 3,077 2,897 2,238 2,414
Total Liabilities 63,014 83,869 78,930 71,392 65,730 66,874 72,405
76 103 251 181 150 146 217
CWIP 10 5 4 2 4 3 5
Investments 2,413 4,561 2,076 2,045 3,483 3,196 4,346
60,516 79,200 76,599 69,164 62,093 63,528 67,837
Total Assets 63,014 83,869 78,930 71,392 65,730 66,874 72,405

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-15,664 -16,617 8,928 6,611 6,254 -1,865 -4,662
-50 -54 -63 21 -1,475 176 -1,186
18,464 17,888 -4,386 -8,178 -6,732 301 4,179
Net Cash Flow 2,751 1,217 4,480 -1,546 -1,953 -1,388 -1,669

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 17% 8% 11% 9% 10% 12%

Shareholding Pattern

Numbers in percentages

10 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
32.59% 32.58% 32.57% 32.57% 32.57% 32.57% 32.53% 32.52% 28.15% 28.14% 28.13% 28.13%
25.86% 25.95% 24.30% 23.96% 23.96% 23.24% 23.64% 24.29% 24.77% 24.81% 24.70% 25.00%
2.95% 3.11% 2.49% 2.33% 2.38% 3.28% 2.98% 3.65% 7.60% 7.72% 7.86% 6.88%
38.60% 38.37% 40.64% 41.14% 41.09% 40.90% 40.85% 39.53% 39.48% 39.32% 39.32% 39.98%
No. of Shareholders 1,05,3251,01,9471,04,3981,19,1871,20,5921,19,9971,18,1471,08,2691,20,1931,19,6311,24,6561,33,177

* 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.

Click on the line-items to see the names of individual entities.

Documents

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