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 13.2
  • Book Value ₹ 611
  • Dividend Yield 0.00 %
  • ROCE 9.24 %
  • 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: -4.47%

* 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

Consolidated Figures in Rs. Crores / View Standalone

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 1,583 1,495 1,425 1,411 1,684 1,797 1,636 1,708 1,778 1,755 1,810 1,823 1,879
Interest 1,035 996 931 930 964 996 1,008 1,048 1,057 1,087 1,070 1,097 1,118
247 233 257 158 366 421 275 201 204 216 170 168 143
Financing Profit 302 267 237 323 355 379 353 459 517 452 570 559 618
Financing Margin % 19% 18% 17% 23% 21% 21% 22% 27% 29% 26% 31% 31% 33%
3 0 0 1 -1 0 2 0 2 1 4 9 1
Depreciation 13 13 14 13 13 13 13 13 11 13 14 13 14
Profit before tax 291 254 224 311 340 367 342 447 507 440 560 554 605
Tax % 19% 26% 24% 24% 23% 27% 18% 22% 24% 23% 22% 22% 22%
235 188 170 235 263 269 279 347 383 338 439 433 470
EPS in Rs 9.08 7.27 6.54 9.06 10.13 10.38 10.76 13.38 14.75 13.03 16.91 16.66 18.08
Gross NPA % 1.24%
Net NPA % 0.84%
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 5,489 7,679 8,482 7,604 6,196 6,527 7,050 7,266
Interest 3,537 5,167 5,875 5,101 4,065 3,900 4,263 4,372
693 750 1,737 1,253 998 1,217 789 697
Financing Profit 1,258 1,762 870 1,250 1,133 1,410 1,998 2,198
Financing Margin % 23% 23% 10% 16% 18% 22% 28% 30%
0 4 7 16 5 2 7 15
Depreciation 24 31 66 59 53 51 51 54
Profit before tax 1,235 1,734 811 1,207 1,084 1,361 1,954 2,159
Tax % 32% 31% 20% 23% 23% 23% 23%
841 1,192 646 930 836 1,046 1,508 1,680
EPS in Rs 32.86 46.29 25.00 35.96 32.28 40.31 58.06 64.68
Dividend Payout % 18% 13% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: -2%
3 Years: -2%
TTM: 5%
Compounded Profit Growth
10 Years: %
5 Years: 5%
3 Years: 17%
TTM: 31%
Stock Price CAGR
10 Years: %
5 Years: 13%
3 Years: 29%
1 Year: 9%
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 Sep 2024
Equity Capital 167 167 168 168 169 169 260 260
Reserves 6,401 7,376 7,830 8,755 9,703 10,845 14,715 15,608
53,777 71,859 67,735 59,392 52,961 53,621 55,017 57,015
2,670 4,466 3,197 3,077 2,897 2,238 2,414 2,295
Total Liabilities 63,014 83,869 78,930 71,392 65,730 66,874 72,405 75,178
76 103 251 181 150 146 207 220
CWIP 10 5 4 2 4 3 15 7
Investments 2,413 4,561 2,076 2,045 3,483 3,196 4,346 3,637
60,516 79,200 76,599 69,164 62,093 63,528 67,837 71,314
Total Assets 63,014 83,869 78,930 71,392 65,730 66,874 72,405 75,178

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

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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