PNB Housing Finance Ltd
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]
- Market Cap ₹ 20,310 Cr.
- Current Price ₹ 782
- High / Low ₹ 825 / 348
- Stock P/E 15.7
- Book Value ₹ 545
- Dividend Yield 0.00 %
- ROCE 8.27 %
- ROE 10.2 %
- Face Value ₹ 10.0
Pros
- Company's median sales growth is 36.3% of last 10 years
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 3.41% over past five years.
- Company has a low return on equity of 9.98% over last 3 years.
- Company might be capitalizing the interest cost
- 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
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 461 | 666 | 1,120 | 1,780 | 2,698 | 3,908 | 5,488 | 7,481 | 8,478 | 7,565 | 6,141 | 6,491 | 6,879 |
Interest | 314 | 462 | 802 | 1,265 | 1,860 | 2,644 | 3,537 | 5,167 | 5,876 | 5,101 | 4,066 | 3,901 | 4,110 |
41 | 75 | 136 | 213 | 320 | 442 | 693 | 708 | 1,719 | 1,234 | 964 | 1,173 | 1,047 | |
Financing Profit | 106 | 130 | 183 | 303 | 518 | 822 | 1,258 | 1,606 | 884 | 1,230 | 1,111 | 1,416 | 1,722 |
Financing Margin % | 23% | 19% | 16% | 17% | 19% | 21% | 23% | 21% | 10% | 16% | 18% | 22% | 25% |
-0 | -0 | -0 | -0 | 1 | 0 | 0 | 4 | 7 | 15 | 5 | 2 | 3 | |
Depreciation | 0 | 1 | 3 | 8 | 15 | 19 | 24 | 31 | 66 | 59 | 53 | 51 | 49 |
Profit before tax | 106 | 129 | 179 | 294 | 503 | 804 | 1,235 | 1,578 | 825 | 1,187 | 1,063 | 1,367 | 1,676 |
Tax % | 27% | 28% | 28% | 34% | 35% | 35% | 32% | 31% | 17% | 22% | 23% | 23% | |
77 | 93 | 130 | 194 | 326 | 524 | 842 | 1,081 | 682 | 925 | 822 | 1,056 | 1,292 | |
EPS in Rs | 16.80 | 12.07 | 9.45 | 9.95 | 16.73 | 20.57 | 32.90 | 42.01 | 26.39 | 35.78 | 31.72 | 40.70 | 49.80 |
Dividend Payout % | 9% | 13% | 15% | 16% | 13% | 19% | 18% | 14% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | 26% |
5 Years: | 3% |
3 Years: | -9% |
TTM: | 15% |
Compounded Profit Growth | |
---|---|
10 Years: | 28% |
5 Years: | 5% |
3 Years: | 16% |
TTM: | 51% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 1% |
3 Years: | 36% |
1 Year: | 120% |
Return on Equity | |
---|---|
10 Years: | 12% |
5 Years: | 11% |
3 Years: | 10% |
Last Year: | 10% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 30 | 50 | 66 | 104 | 127 | 166 | 167 | 167 | 168 | 168 | 169 | 169 | 260 |
Reserves | 370 | 568 | 868 | 1,475 | 2,019 | 5,412 | 6,402 | 7,268 | 7,779 | 8,699 | 9,632 | 10,784 | 13,895 |
3,860 | 6,695 | 10,108 | 16,481 | 26,014 | 35,497 | 53,777 | 71,859 | 67,736 | 59,394 | 52,961 | 53,621 | 53,534 | |
177 | 342 | 498 | 976 | 1,511 | 1,885 | 2,673 | 4,456 | 3,191 | 3,072 | 2,888 | 2,231 | 2,583 | |
Total Liabilities | 4,436 | 7,655 | 11,540 | 19,035 | 29,671 | 42,960 | 63,018 | 83,750 | 78,874 | 71,333 | 65,649 | 66,805 | 70,272 |
5 | 14 | 26 | 40 | 58 | 58 | 255 | 102 | 250 | 181 | 150 | 146 | 147 | |
CWIP | 1 | 4 | 3 | 18 | 4 | 2 | 10 | 5 | 4 | 2 | 4 | 3 | 0 |
Investments | 378 | 777 | 645 | 1,586 | 1,622 | 3,280 | 2,413 | 4,457 | 2,048 | 2,033 | 3,472 | 3,188 | 4,163 |
4,053 | 6,860 | 10,865 | 17,392 | 27,987 | 39,620 | 60,340 | 79,185 | 76,572 | 69,117 | 62,024 | 63,468 | 65,961 | |
Total Assets | 4,436 | 7,655 | 11,540 | 19,035 | 29,671 | 42,960 | 63,018 | 83,750 | 78,874 | 71,333 | 65,649 | 66,805 | 70,272 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-728 | -2,901 | -3,627 | -6,791 | -9,664 | -12,406 | -15,664 | -16,626 | 8,911 | 6,566 | 6,216 | -1,772 | |
-3 | -14 | -15 | -37 | -20 | -17 | -50 | -53 | -62 | 5 | -1,476 | 174 | |
715 | 2,965 | 3,604 | 6,850 | 9,804 | 12,322 | 18,464 | 17,888 | -4,362 | -8,177 | -6,732 | 301 | |
Net Cash Flow | -16 | 51 | -38 | 22 | 120 | -101 | 2,751 | 1,209 | 4,486 | -1,606 | -1,992 | -1,297 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 21% | 18% | 17% | 15% | 18% | 14% | 14% | 15% | 9% | 11% | 9% | 10% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
11m - Press Release titled "PNB Housing Finance marks a historic milestone, achieved INR 1,000 Crore Loan Book under its affordable housing segment Roshni in less then …
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
1d - Of Schedule of participation in Investor Conference & Investor/Analyst Meeting under the SEBI (LODR), Regulations 2015.
- Board Meeting Outcome for Outcome Of Board Meeting 24 Nov
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
18 Nov - Of Schedule of participation in Investor Conference & Investor/Analyst Meeting under the SEBI (LODR), Regulations 2015.
- Board Meeting Intimation for Intimation Under Regulation 29 And 50 Of The SEBI (LODR) Regulations, 2015 And SEBI (Prohibition Of Insider Trading) Regulations, 2015 16 Nov
Annual reports
Concalls
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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]