WEBSITE BSE:540173 NSE : PNBHOUSING 10 May, 16:01
Market Cap ₹19197 Cr.
Stock P/E 12.7
P/B 1.3
Current Price ₹739.2
Book Value ₹ 576.6
Face Value 10
52W High ₹914
Dividend Yield 0%
52W Low ₹ 452.2
PNB Housing Finance Ltd (PNBHFL) is an primarily India based housing finance agency. The Company offers housing loans to people and corporate bodies for construction, buy, and maintenance and up gradation of houses. It additionally offers loans for business area, loan towards assets and loan for purchase of residential plots. It gives home loans, which include home purchase loans, home extension loans, home construction loans, domestic improvement loans, residential plot loans and loans for non-resident Indians (NRIs). The Company also provides non-domestic loans, which include commercial belongings loans, loan against property (LAP), loan for purchase of non-residential premises (NRP) and lease apartment discounting (LRD). The Company also offers production finance to the real estate builders. In addition, PNBHFL offers fixed deposit merchandise for retail traders. The Company has round 38 branches supported by using round 16 underwriting hubs.
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| #(Fig in Cr.) | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1495 | 1425 | 1411 | 1684 | 1797 | 1636 | 1708 | 1778 | 1755 | 1810 |
| Other Income | 0 | 0 | 1 | -1 | 0 | 2 | 0 | 2 | 1 | 4 |
| Total Income | 1496 | 1426 | 1412 | 1683 | 1797 | 1638 | 1708 | 1779 | 1756 | 1814 |
| Total Expenditure | 233 | 257 | 158 | 366 | 421 | 275 | 201 | 204 | 216 | 170 |
| Operating Profit | 1263 | 1168 | 1254 | 1317 | 1376 | 1363 | 1507 | 1576 | 1540 | 1644 |
| Interest Expense | 996 | 931 | 930 | 964 | 996 | 1008 | 1048 | 1057 | 1087 | 1070 |
| Depreciation | 13 | 14 | 13 | 13 | 13 | 13 | 13 | 11 | 13 | 14 |
| Profit Before Tax | 254 | 224 | 311 | 340 | 367 | 343 | 447 | 507 | 440 | 560 |
| Provision for Tax | 65 | 54 | 76 | 78 | 98 | 63 | 99 | 124 | 102 | 121 |
| Profit After Tax | 188 | 170 | 235 | 263 | 269 | 279 | 347 | 383 | 338 | 439 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 188 | 170 | 235 | 263 | 269 | 279 | 347 | 383 | 338 | 439 |
| Adjusted Earnings Per Share | 9.3 | 8.3 | 11.5 | 12.9 | 13.2 | 13.7 | 13.4 | 14.8 | 13 | 16.9 |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|---|---|---|
| Operating Revenue | 5489 | 7679 | 8482 | 7604 | 6196 | 6527 | 7051 |
| Other Income | 1 | 4 | 8 | 20 | 5 | 1128 | 7 |
| Total Income | 5489 | 7683 | 8490 | 7624 | 6201 | 7656 | 7057 |
| Total Expenditure | 694 | 750 | 1737 | 1257 | 999 | 2343 | 791 |
| Operating Profit | 4796 | 6933 | 6752 | 6367 | 5202 | 5312 | 6267 |
| Interest Expense | 3537 | 5167 | 5875 | 5101 | 4065 | 3900 | 4262 |
| Depreciation | 24 | 31 | 66 | 59 | 53 | 51 | 51 |
| Profit Before Tax | 1235 | 1734 | 811 | 1207 | 1084 | 1361 | 1954 |
| Provision for Tax | 393 | 543 | 165 | 277 | 247 | 315 | 446 |
| Profit After Tax | 841 | 1192 | 646 | 930 | 836 | 1046 | 1507 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 841 | 1192 | 646 | 930 | 836 | 1046 | 1507 |
| Adjusted Earnings Per Share | 41.8 | 58.9 | 31.8 | 45.8 | 41.1 | 51.3 | 58.1 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 5% | -8% | 4% | 0% |
| Operating Profit CAGR | 2% | -8% | 2% | 0% |
| PAT CAGR | 25% | 17% | 4% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 59% | 35% | 3% | NA% |
| ROE Average | 10% | 10% | 11% | 11% |
| ROCE Average | 8% | 8% | 9% | 9% |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|
| Shareholder's Funds | 6567 | 7544 | 7998 | 8923 | 9872 | 11014 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 38811 | 56074 | 60542 | 50868 | 45920 | 47234 |
| Current Liability | 17731 | 19873 | 10148 | 11326 | 10242 | 8701 |
| Other Liabilities & Provisions | 297 | 317 | -44 | -154 | -344 | -124 |
| Total Liabilities | 63407 | 83808 | 78644 | 70963 | 65691 | 66825 |
| Loans | 57165 | 74288 | 66628 | 60645 | 55336 | 57840 |
| Investments | 1183 | 4290 | 1953 | 1942 | 2234 | 2317 |
| Fixed Assets | 76 | 103 | 251 | 181 | 150 | 146 |
| Other Loans | 16 | 19 | 19 | 16 | 17 | 17 |
| Other Non Current Assets | 11 | 8 | 10 | 8 | 11 | 15 |
| Current Assets | 4777 | 4969 | 9577 | 8034 | 7833 | 6489 |
| Total Assets | 63407 | 83808 | 78644 | 70963 | 65691 | 66825 |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 66 | 2817 | 4034 | 8514 | 6969 | 5016 |
| Cash Flow from Operating Activities | -15664 | -16617 | 8929 | 6611 | 6254 | -1865 |
| Cash Flow from Investing Activities | -50 | -54 | -63 | 21 | -1475 | 176 |
| Cash Flow from Financing Activities | 18464 | 17888 | -4386 | -8178 | -6732 | 301 |
| Net Cash Inflow / Outflow | 2751 | 1217 | 4480 | -1546 | -1953 | -1388 |
| Closing Cash & Cash Equivalent | 2817 | 4034 | 8514 | 6969 | 5016 | 3628 |
| # | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 41.8 | 58.91 | 31.81 | 45.75 | 41.08 | 51.29 |
| CEPS(Rs) | 43 | 60.46 | 35.05 | 48.66 | 43.7 | 53.81 |
| DPS(Rs) | 9 | 9 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 325.04 | 370.18 | 390.39 | 435.44 | 482.04 | 537.56 |
| Net Profit Margin | 15.33 | 15.52 | 7.62 | 12.23 | 13.5 | 16.02 |
| Operating Margin | 86.93 | 89.87 | 78.83 | 82.96 | 83.1 | 80.6 |
| PBT Margin | 22.49 | 22.59 | 9.56 | 15.87 | 17.49 | 20.85 |
| ROA(%) | 1.33 | 1.62 | 0.8 | 1.24 | 1.22 | 1.58 |
| ROE(%) | 12.86 | 16.99 | 8.38 | 11.08 | 8.96 | 10.07 |
| ROCE(%) | 7.91 | 9.88 | 8.62 | 8.76 | 7.85 | 8.25 |
| Price/Earnings(x) | 25.64 | 12.17 | 4.25 | 6.78 | 7.59 | 8.29 |
| Price/Book(x) | 3.3 | 1.94 | 0.35 | 0.71 | 0.65 | 0.79 |
| Dividend Yield(%) | 0.7 | 1.04 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 13.21 | 10.72 | 7.31 | 7.72 | 8.73 | 8.96 |
| EV/Core EBITDA(x) | 15.12 | 11.87 | 9.18 | 9.22 | 10.4 | 11.01 |
| Interest Earned Growth(%) | 0 | 39.91 | 10.45 | -10.35 | -18.52 | 5.35 |
| Net Profit Growth | 0 | 41.65 | -45.76 | 43.89 | -10.05 | 25.05 |
| EPS Growth(%) | 0 | 40.91 | -46 | 43.83 | -10.22 | 24.86 |
| Interest Coverage(x) % | 1.35 | 1.34 | 1.14 | 1.24 | 1.27 | 1.35 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 32.57 | 32.57 | 32.57 | 32.57 | 32.53 | 32.52 | 28.15 | 28.14 | 28.13 | 28.13 |
| FII | 24.3 | 23.96 | 23.96 | 23.24 | 23.64 | 24.29 | 24.78 | 24.81 | 24.7 | 25.01 |
| DII | 2.49 | 2.33 | 2.38 | 3.29 | 2.99 | 3.65 | 7.6 | 7.73 | 7.86 | 6.88 |
| Public | 40.64 | 41.14 | 41.09 | 40.91 | 40.84 | 39.54 | 39.47 | 39.32 | 39.31 | 39.99 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 7.31 | 7.31 | 7.31 | 7.31 |
| FII | 4.1 | 4.04 | 4.04 | 3.92 | 3.99 | 4.1 | 6.43 | 6.44 | 6.41 | 6.49 |
| DII | 0.42 | 0.39 | 0.4 | 0.55 | 0.5 | 0.62 | 1.97 | 2.01 | 2.04 | 1.79 |
| Public | 6.85 | 6.94 | 6.93 | 6.9 | 6.89 | 6.68 | 10.25 | 10.21 | 10.21 | 10.39 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 16.86 | 16.86 | 16.86 | 16.86 | 16.88 | 16.89 | 25.95 | 25.96 | 25.97 | 25.97 |
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