PNB Housing Finance Ltd.

₹ 868.85

3.25 (0.37%)

Daily Range

Today's Low

₹ 843.20

Today's High

₹ 878.95

52 Weeks Range

52 Weeks Low

₹ 259.54

52 Weeks High

₹ 545.67

Momentum of the Stock

Neutral

Circuit Limit

Lower

₹ 695.10

Upper

₹ 1,042.60

Financials Strength Score

6 Stable19

Piotroski Score

Company Profile

PNB Housing Finance Limited operates as a housing finance company in India. It provides loans to individuals and corporate bodies for purchase, construction, repair, and up-gradation of houses/flats/commercial properties; residential plot loans and loans for NRIs; loans against property, lease rental discounting, and loans for real estate developers; and fixed deposit products. The company also provides Unnati home loans; and credit linked subsidy scheme for economical weaker section, and lower and middle income groups. As of March 31, 2021, it operated through a network of 94 branches. The company was incorporated in 1988 and is based in New Delhi, India.

Companies under the same Group

BEML
Bharat Electronics
BHEL
HPCL
IFCI
MTNL
MRPL
Chennai Petrol. Corp
SAIL
LIC Housing Finance

Key Metrics

Standalone

Consolidated

No of shares Outstanding

26.0 Cr.

EPS-TTM

₹64.66

Face Value

₹10.00

Book Value

₹610.64

Net Asset Value

₹649.27

ROE

10.07%

ROA

1.58%

ROCE

8.25%

Dividend Yield

0.00%

Total Debt

₹ 0.0 Cr.

Sales Growth

5.35%

PAT Growth

25.05%

Financials

StandaloneConsolidated

Balance Sheet

(All Values are in INR Cr.)

Particulars	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Current Assets	6,489.1	7,833.1	8,033.9	9,576.9	4,968.9	4,777.1
Non-Current Assets	60,335.5	57,748.6	62,792.2	68,860.4	78,708.0	58,451.2
Total Assets	66,824.6	65,690.5	70,962.6	78,643.8	83,808.0	63,407.0
Current Liabilities	0.0	0.0	0.0	0.0	0.0	0.0
Non-Current Liabilities	47,109.5	45,576.5	50,714.0	60,498.0	56,391.2	39,108.8
Total Equity	11,013.9	9,871.6	8,923.0	7,997.8	7,543.9	6,567.3
Total Liabilities & Total Equity	66,824.6	65,690.5	70,962.6	78,643.8	83,808.0	63,407.0

Financial Statement Analysis

Debt to Equity Ratio
The Industry Debt to Equity Ratio stands at 3.63, vs the Debt to Equity Ratio of 8.54, which results in a Negative aspect.
Quick Ratio
The Industry Quick Ratio stands at 3.18, vs the Quick Ratio of 1.03, which results in a Negative aspect.
Current Ratio
The Industry Current Ratio stands at 3.17, vs the Current Ratio of 0.94, which results in a Negative aspect.
Price to BV
The Industry Price to BV stands at 2.52, vs the Price to BV of 1.71, which results in a Negative aspect.

Profit and Loss Statement

(All Values are in INR Cr.)

Particulars	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Total Income	6,527.3	6,195.9	7,603.9	8,481.8	7,679.3	5,488.7
Total Expenditure	2,343.5	999.0	1,257.1	1,737.2	750.3	693.6
Operating Profit(Excl OI)	5,312.3	5,202.2	6,367.0	6,752.3	6,933.0	4,795.7
Add: Other Income	1,128.4	5.3	20.2	7.7	3.9	0.6
Operating Profit	5,312.3	5,202.2	6,367.0	6,752.3	6,933.0	4,795.7
Less: Interest	3,900.0	4,064.9	5,100.9	5,875.5	5,167.2	3,537.0
PBDT	1,412.4	1,137.4	1,266.0	876.9	1,765.8	1,258.7
Less: Depreciation	51.4	53.4	59.0	65.9	31.4	24.1
PBT & Exceptional Items	1,360.9	1,084.0	1,207.0	811.0	1,734.4	1,234.6
Less: Exceptional Income Expenses	0.0	0.0	0.0	0.0	0.0	0.0
Profit Before Tax	1,360.9	1,084.0	1,207.0	811.0	1,734.4	1,234.6
Less: Taxation	314.9	247.5	277.1	164.8	542.9	393.4
Profit After Tax	1,046.0	836.5	929.9	646.2	1,191.5	841.2
Earnings Per Share	51.3	41.1	45.8	31.8	58.9	41.8

Financial Statement Analysis

PAT Growth
The Industry PAT Growth stands at 13.36, vs the PAT Growth of -45.76, which results in a Negative aspect.
Dividend Yield
The Industry Dividend Yield stands at 1.44, vs the Dividend Yield of 0.00, which results in a Negative aspect.
PAT Margin
The Industry PAT Margin stands at 18.60, vs the PAT Margin of 7.62, which results in a Negative aspect.
PE Ratio
The Industry PE Ratio stands at 19.24, vs the PE Ratio of 16.53, which results in a Negative aspect.

Cash Flow Statement

(All Values are in INR Cr.)

Particulars	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Profit Before Tax	1,360.9	1,084.0	1,207.0	811.0	1,734.4	1,234.6
Tax Paid	-304.3	-359.7	-295.7	-344.3	-570.6	-473.9
Adjustment	4,617.6	5,033.9	5,809.9	1,272.4	13.4	290.2
Changes In Working Capital	1,360.9	1,084.0	1,207.0	811.0	1,734.4	1,234.6
Cash Flow after changes in Working Capital	2,419.2	11,018.0	12,126.3	9,272.8	-16,046.5	-15,189.6
Cash Flow from Operating Activities	-1,865.0	6,254.3	6,611.3	8,928.5	-16,617.1	-15,663.6
Cash Flow from Investing Activities	175.8	-1,475.0	20.6	-62.5	-54.0	-49.7
Cash Flow from Financing Activities	301.5	-6,732.2	-8,177.6	-4,385.6	17,888.1	18,464.3
Net Cash Inflow / Outflow	-1,387.8	-1,953.0	-1,545.8	4,480.4	1,217.0	2,751.1
Opening Cash & Cash Equivalents	5,015.6	6,968.6	8,514.3	4,034.0	2,817.0	65.9
Closing Cash & Cash Equivalent	3,627.8	5,015.6	6,968.6	8,514.3	4,034.0	2,817.0

Financial Statement Analysis

PFCF Ratio
The Industry PFCF Ratio stands at 12.11, vs the PFCF Ratio of 0.29, which results in a Negative aspect.
PCF RATIO
The Industry PCF RATIO stands at -9.62, vs the PCF RATIO of 0.25, which results in a Positive aspect.

Quarterly Reports

(All Values are in INR Cr.)

Particulars	Sep 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021	Mar 2021	Dec 2020	Sep 2020	Jun 2020	Mar 2020	Dec 2019	Sep 2019	Jun 2019	Mar 2019	Dec 2018	Sep 2018	Jun 2018	Mar 2018	Dec 2017
Net Sales	18,786.8	17,547.5	17,777.5	17,076.3	16,357.1	17,965.1	16,844.1	14,107.0	14,254.2	14,953.8	15,833.2	16,918.1	18,316.8	18,866.7	20,155.1	18,700.6	19,464.4	20,747.6	22,297.1	22,309.3	21,452.1	20,777.4	18,082.6	16,481.1	15,699.8	14,384.9
Total Income	18,796.6	17,560.0	17,794.0	17,077.2	16,377.2	17,965.2	16,834.3	14,119.9	14,258.3	14,956.1	15,864.1	16,928.8	18,339.0	18,963.5	20,215.0	18,723.3	19,518.4	20,747.9	22,303.4	22,325.8	21,481.9	20,784.6	18,082.6	16,483.1	15,702.1	14,386.3
Total Expenditure	1,425.8	2,160.3	2,036.6	2,009.1	2,745.4	4,207.0	3,659.5	1,576.0	2,573.5	2,326.4	2,470.0	2,619.3	4,810.5	3,422.5	2,716.3	1,633.3	8,845.7	2,973.8	2,663.1	2,894.8	1,664.6	2,190.3	1,990.1	1,665.9	2,040.9	1,729.8
PBIDT (Excl OI)	17,361.0	15,387.2	15,740.9	15,067.2	13,611.7	13,758.1	13,184.6	12,531.0	11,680.7	12,627.4	13,363.2	14,298.8	13,506.3	15,444.2	17,438.8	17,067.3	10,618.7	17,773.8	19,634.0	19,414.5	19,787.5	18,587.1	16,092.5	14,815.2	13,658.9	12,655.1
Other Income	9.8	12.5	16.5	0.9	20.1	0.1	-9.8	12.9	4.1	2.3	30.9	10.7	22.2	96.8	59.9	22.7	54.0	0.3	6.3	16.5	29.8	7.2	0.0	2.0	2.3	1.4
Operating Profit	17,370.8	15,399.7	15,757.4	15,068.1	13,631.8	13,758.2	13,174.8	12,543.9	11,684.8	12,629.7	13,394.1	14,309.5	13,528.5	15,541.0	17,498.7	17,090.0	10,672.7	17,774.1	19,640.3	19,431.0	19,817.3	18,594.3	16,092.5	14,817.2	13,661.2	12,656.5
Interest	11,185.0	10,866.2	10,573.0	10,475.0	10,080.5	9,963.4	9,638.7	9,302.6	9,306.9	9,961.1	10,347.8	11,028.8	11,503.6	12,462.2	13,396.7	13,635.3	13,799.7	14,610.3	15,212.7	15,126.8	14,275.1	14,102.5	12,288.6	10,997.5	10,167.8	9,250.3
Exceptional Items	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
PBDT	6,185.8	4,533.5	5,184.4	4,593.1	3,551.3	3,794.8	3,536.1	3,241.3	2,377.9	2,668.6	3,046.3	3,280.7	2,024.9	3,078.8	4,102.0	3,454.7	-3,127.0	3,163.8	4,427.6	4,304.2	5,542.2	4,491.8	3,803.9	3,819.7	3,493.4	3,406.2
Depreciation	138.5	130.5	113.3	126.3	126.3	126.0	131.8	130.3	140.1	131.3	134.3	128.2	143.5	140.4	146.3	159.9	145.4	181.3	167.9	163.9	91.5	75.9	79.1	67.2	70.3	67.7
Profit Before Tax	6,047.3	4,403.0	5,071.1	4,466.8	3,425.0	3,668.8	3,404.3	3,111.0	2,237.8	2,537.3	2,912.0	3,152.5	1,881.4	2,938.4	3,955.7	3,294.8	-3,272.4	2,982.5	4,259.7	4,140.3	5,450.7	4,415.9	3,724.8	3,752.5	3,423.1	3,338.5
Tax	1,350.5	1,018.6	1,241.1	993.6	632.2	977.5	778.0	761.4	542.4	652.8	559.9	719.7	611.1	614.4	822.8	723.0	-851.8	612.3	591.6	1,295.6	1,653.0	1,386.2	1,194.9	1,194.6	1,231.0	1,163.9
Provisions and contingencies	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Profit After Tax	4,696.8	3,384.4	3,830.0	3,473.2	2,792.8	2,691.3	2,626.3	2,349.6	1,695.4	1,884.5	2,352.1	2,432.8	1,270.3	2,324.0	3,132.9	2,571.8	-2,420.6	2,370.2	3,668.1	2,844.7	3,797.7	3,029.7	2,529.9	2,557.9	2,192.1	2,174.6
Net Profit	4,696.8	3,384.4	3,830.0	3,473.2	2,792.8	2,691.3	2,626.3	2,349.6	1,695.4	1,884.5	2,352.1	2,432.8	1,270.3	2,324.0	3,132.9	2,571.8	-2,420.6	2,370.2	3,668.1	2,844.7	3,797.7	3,029.7	2,529.9	2,557.9	2,192.1	2,174.6
ADDITIONAL INFOS:
Equity Capital	2,598.4	2,596.8	2,595.8	2,595.4	1,688.6	1,687.9	1,686.2	1,686.1	1,686.0	1,685.9	1,685.8	1,685.1	1,682.7	1,681.9	1,681.9	1,681.9	1,681.9	1,681.9	1,681.2	1,680.6	1,674.7	1,674.7	1,674.6	1,674.4	1,665.9	1,665.9
Reserves	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EPS	18.1	13.0	14.8	13.6	16.5	16.0	15.6	13.9	10.1	11.2	14.0	14.5	7.6	13.8	18.6	15.3	-14.4	14.1	21.8	17.0	22.7	18.1	15.1	15.3	13.2	13.1
Operating Profit Margin	92.5	87.8	88.6	88.2	83.3	76.6	78.2	88.9	82.0	84.5	84.6	84.6	73.9	82.4	86.8	91.4	54.8	85.7	88.1	87.1	92.4	89.5	89.0	89.9	87.0	88.0
Net Profit Margin	25.0	19.3	21.5	20.3	17.1	15.0	15.6	16.7	11.9	12.6	14.9	14.4	6.9	12.3	15.5	13.8	-12.4	11.4	16.5	12.8	17.7	14.6	14.0	15.5	14.0	15.1

Financial Statement Analysis

Mcap Growth
The Industry Mcap Growth stands at 12.28, vs the Mcap Growth of -81.07, which results in a Negative aspect.
Net Sales Growth
The Industry Net Sales Growth stands at 12.09, vs the Net Sales Growth of 10.45, which results in a Negative aspect.

Technicals

Pivot Levels

Check Advanced Levels

Type	Classic	Woodie	Camarilla
R4	940.35	972.21	888.51
R3	919.88	922.48	878.68
R2	899.42	900.71	875.40
R1	884.13	886.73	872.13
Pivot	863.67	864.96	863.67
S1	848.38	850.98	865.57
S2	827.92	829.21	862.30
S3	812.63	815.23	859.02
S4	797.35	757.71	849.19

(All Values are in INR)

The Pivot level gives the user an indication about key support & resistance levels for a selected stock.

EMA & SMA Levels

5 Day

830.92

10 Day

795.30

20 Day

736.94

50 Day

749.83

100 Day

773.79

200 Day

718.15

Beta

1 Day

1.15

1 Week

1.16

1 Month

1.14 Indicators

Stoch RSI
100.00
Bearish
RSI
81.17
Bearish
ROC
-7.87
Bearish
UltimateOscillator
51.49
Neutral
Williams Indicator
-80.78
Bullish
CCI Indicator
-88.35
Neutral
MACD
-2,387.23
Bearish
Stochastic Indicator
18.22
Bullish
ATR
47.59
High Volatility

Corporate Actions

Corporate Actions - Board Meet

Date Of Conduct	Board Meeting Details
24-10-2024	Quarterly Results
29-04-2024	Quarterly Results & Audited Results
24-01-2024	Quarterly Results
24-11-2023	Inter alia, to consider and approve issuance of Non ? Convertible Debentures up to INR 3,500 Crore (Rupees Three Thousand Five Hundred Crore Only) on Private Placement Basis, in tranches over the next six months.
23-10-2023	Quarterly Results
24-07-2023	Quarterly Results
22-06-2023	Inter alia to consider and approve issuance of Non ? Convertible Debentures aggregating up to INR 5,000 Crore (Rupees Five Thousand Crore Only) on Private Placement Basis.
18-05-2023	Quarterly Results & Audited Results
28-03-2023	Right Issue of Equity Shares
24-01-2023	Quarterly Results
27-10-2022	Quarterly Results
28-07-2022	Quarterly Results
14-06-2022	Inter alia to consider and approve issuance of Non ? Convertible Debentures aggregating up to INR 2,000 Crore (Rupees Two Thousand Crore Only) on Private Placement Basis.
28-04-2022	Audited Results & Quarterly Results
09-03-2022	Inter alia, to consider fund raising options by issue of equity shares through appropriate methods (including Rights Issue), subject to requisite approvals as required under applicable law
20-01-2022	Quarterly Results
02-11-2021	Quarterly Results
04-08-2021	Quarterly Results
31-05-2021	Inter alia, to consider and approve Fund raising.
27-04-2021	Audited Results & Final Dividend

Frequently Asked Questions

The share price of PNBHOUSING is 868.85.

You can easily buy PNBHOUSING shares by opening a Demat and trading Account from Enrich money free of cost. You can trade using their Web Trading Platform or Mobile App.

The Market Capitalization of PNB Housing Financeshare as on today is22,552.83Cr.

The Trailing Twelve Months (TTM) PE Ratio of PNB Housing Financeis13.42

The Earnings per Share (EPS) of PNB Housing Financeis64.66

The 52 Week Low of 604.00, and 52 Week High is 1,202.20

The share price changes based on the Share Market's Demand & Supply. Usually, the Beta of the Stock (Positive or Negative) measures the volatility of the stock. Based on this, the PNB Housing Finance share is 1.15 times volatile to the Index trend.

PNB Housing Finance Ltd.

₹ 868.85

Daily Range

52 Weeks Range

Momentum of the Stock

Neutral

Circuit Limit

Financials Strength Score

Piotroski Score

Company Profile

Companies under the same Group

Key Metrics

Standalone

Consolidated

26.0 Cr.

₹64.66

₹10.00

₹610.64

₹649.27

10.07%

1.58%

8.25%

0.00%

₹ 0.0 Cr.

5.35%

25.05%

Financials

Balance Sheet

Financial Statement Analysis

Debt to Equity Ratio

Quick Ratio

Current Ratio

Price to BV

Profit and Loss Statement

Financial Statement Analysis

PAT Growth

Dividend Yield

PAT Margin

PE Ratio

Cash Flow Statement

Financial Statement Analysis

PFCF Ratio

PCF RATIO

Quarterly Reports

Financial Statement Analysis

Mcap Growth

Net Sales Growth

Technicals

Pivot Levels

Check Advanced Levels

The Pivot level gives the user an indication about key support & resistance levels for a selected stock.

EMA & SMA Levels

830.92

795.30

736.94

749.83

773.79

718.15

Beta

1.15

1.16

1.14

Indicators

Corporate Actions

Corporate Actions - Board Meet

Frequently Asked Questions

What is the share price of PNB Housing Finance today?

How do I buy PNB Housing Finance shares online?

What is the Market Cap of PNB Housing Finance today?

What is the Price to Earnings Ratio (PE Ratio) of PNB Housing Finance?

What is the Earnings per Share (EPS) of PNB Housing Finance?

What is the 52 Week High and 52 Week Low of PNB Housing Finance?

How Volatile is PNB Housing Finance share today?