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Fundamental Analysis of PNB Housing Finance (PNBHOUSING)

Summary    Balance Sheet    Cash Flow    Income    Qtrly Income    Valuation Ratio    Profitability Ratios    Solvency    Efficiency Ratios    

Guru Numbers
Book Value/Share585.51
EV/EBITDA10.93
Market Cap (Cr)6326.40
Enterprise Value (Cr)54115.28
Piotroski F-Score5.00
Altman Z Score0.468
Graham No804.50
Price/ Graham 0.466
Peter Lynch Ratio-1.28
Sloan Ratio-0.060
Peter Lynch Fair value532.05
Price/ Peter Lynch FV0.705
TSR Fair value311.94
Key Financial ratios of PNBHOUSING
Ratio Latest FY Yoy Change TTM MRQ Screener/
About
Price to Earning    7.60 11.39 % 7.64    
Price to Book    0.644 -9.43 % 0.666 0.195    
Price to Sales    2.99 19.08 % 2.07    
Earning Per Share    49.61 -9.76 % 49.13 13.94    
Return On Equity    8.47 -18.69 % 8.72 2.38    
Return On Asset    1.27 -2.30 % 1.23 0.357    
Net Profit Margin    39.36 6.36 % 27.16 49.22    
Operating Profit Margin    242.26 -3.17 % 163.02 260.04    
EBITDA Margin    233.13 -7.98 % 164.68 262.77    
Debt to Equity Ratio    5.37 -20.93 % 5.37    
Current Ratio    1.89 -5.48 % 1.89    
Quick Ratio    0 0 % 1.89    
View Historitcal ratios of PNB Housing Finance Ltd.
Valuation Ratios   Profitability Ratio   Solvency Ratios   Efficiency Ratios
Screen Financial Ratio using Custom Screener
Terrific View
Price to Earning Ratio is 7.64 and EV to EBITDA is 10.92 suggesting company is undervalued.
Price to Book Ratio is 0.641 indicating that it is undervalued.
Earning Yield of 13.22 %
Debt to equity ratio has decreased and is lowest in last three years
Tremendous increasing in Book Value last 3 year
During the past twelve months, the company has given a strong Net Margin of 27.16%
All key Trailing Twelve Months Margin growing by 15 %
Steady View
Piotroski F Score - Stable Value of 5.0
Risky View
Tsr Growth Index - Very Poor Score of 18.17
Stock Returns < -34.69 % Than Nifty in last one year
Stock Returns is less than Nifty returns for consequitive last three years
Altman Z Score of 0.468 suggest high risk
Very Low Dividend Yield of 0 %
Companies has high debt burden
Quarterly sales in last 5 Quarter is trending down
Annual sales in last 3 years is trending down
Company's Total Assets is Decreasing for last 3 years
In the last three years, the company has given poor Returns on Assets
Terrific Steady Risky Stock View - Fundamental Snapshot
Share Overview
Promoter Owned32.60 %
Institution Owned26.30 %
Public/Others41.10 %
Outstanding Shares16.86 Cr
Floating Shares2.60 Cr
Floating / Outstanding15.42%
Book Value/Share585.51
Face value10.00
Share Holding
Annual Key Income Statement of PNBHOUSING
Period 31_Mar_2022 31_Mar_2021 Growth
Net Income From Continuing Ops 836.48 929.90 10.05 %
Net Income 836.48 929.90 10.05 %
Operating Income 5148.42 6286.65 18.11 %
Total Revenue 2125.15 2512.69 15.42 %
Operating Expense 0 413.41 100.00 %
Interest Expense 4055.78 5099.78 20.47 %
Tax Expense 247.48 277.13 10.70 %
Income Before tax 1083.96 1207.03 10.20 %
Gross Profit 6189.61 7592.31 18.48 %
Dividend Paid 0 0 %
   
Quarterly Key Income Statement of PNBHOUSING
Period 30_Jun_2022 31_Mar_2022 Growth
Net Income From Continuing Ops 234.96 169.54 38.59 %
Net Income 234.96 169.54 38.59 %
Operating Income 1241.36 1154.47 7.53 %
Total Revenue 477.38 489.77 2.53 %
Operating Expense 157.60 257.35 38.76 %
Interest Expense 930.26 930.69 0.0462 %
Tax Expense 76.14 54.24 40.38 %
Income Before tax 311.10 223.78 39.02 %
Gross Profit 1408.58 1420.46 0.836 %
Dividend Paid 0 0 %
   
Key Balance Sheet Fields
Period 31_Mar_2022 31-Mar-21 Growth
Common Stock 168.60 168.27 0.196 %
Current Liabilities 33233.82 34356.41 3.27 %
Total Liabilities 55857.98 62469.17 10.58 %
Current Assets 62939.35 68837.08 8.57 %
Total Assets 65729.61 71392.20 7.93 %
Working capital 29705.53 34480.67 13.85 %
Accounts Payable 17665.27 369.20 4684.74 %
Inventory 0 0 %
Net Receivable 56051.90 959.08 5744.34 %
   
Key Cash Flow Fields
Period 31_Mar_2022 31_Mar_2021 Growth
Cash EPS 52.27 58.77 11.06 %
Cash From Investment Activity -1474.99 -5.66 25959.89 %
Cash From Financial Activity -6684.03 -8331.80 19.78 %
Cash Operational Activity 6256.08 6791.70 7.89 %
Net Cash Flow -1902.94 -1545.76 23.11 %
NetIncome 836.48 929.90 10.05 %
Capital Expenditure 13.97 7.72 80.96 %
Change To Inventory 0 0 %
   



   About PNB Housing Finance Limited
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; loan 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, 2022, it operated through a network of 99 branches. The company was incorporated in 1988 and is based in New Delhi, India.

Address : Antriksh Bhawan, New Delhi, India, 110001

URL : https://www.pnbhousing.com

Employee Count : 1425

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