PNBHOUSING:NSE-PNB Housing Finance Limited (INR)

COMMON STOCK | Mortgage Finance | NSE

Last Closing Price

INR 427.45

Change

-3.65 (-0.85)%

Market Cap

INR 71.90B

Volume

0.22M

Average Target Price

INR 361.33 (-15.47%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

PNB Housing Finance Limited operates as a housing finance company in India. The company offers housing loans for the purchase, construction, repair, and renovation of houses/ flats/commercial properties, etc.; loans for commercial spaces; loans against property; loans for purchase of residential plots; loans for purchase, construction, and extension of dwelling units; home loans for nonresident Indians and persons of Indian origin; Unnati home loans; and credit linked subsidy scheme for economical weaker section, and lower and middle income groups. It also provides non home loans, including loans for purchase/construction of commercial properties, residential/commercial immovable property mortgage loans, lease rental discounting loans, and loans for real estate developers. In addition, the company offers fixed deposits. The company was founded in 1988 and is based in New Delhi, India. Address: Antriksh Bhawan, New Delhi, India, 110001

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-03-08 )

Largest Industry Peers for Mortgage Finance

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDFC:NSE Housing Development Finance Co..

-33.65 (-1.32%)

INR4,526.08B 25.30 14.71
LICHSGFIN:NSE LIC Housing Finance Limited

-4.10 (-0.94%)

INR218.09B 7.90 N/A
AAVAS:NSE Aavas Financiers Limited

-5.00 (-0.22%)

INR175.60B 67.78 85.60
IBULHSGFIN:NSE Indiabulls Housing Finance Lim..

-1.05 (-0.45%)

INR106.39B 9.26 N/A
CANFINHOME:NSE Can Fin Homes Limited

+3.90 (+0.77%)

INR68.03B 15.29 N/A
REPCOHOME:NSE Repco Home Finance Limited

-7.50 (-2.22%)

INR20.66B 7.09 9.05
GICHSGFIN:NSE GIC Housing Finance Limited

-0.15 (-0.11%)

INR7.42B 14.22 61.92
DHFL:NSE Dewan Housing Finance Corporat..

-1.10 (-4.84%)

INR6.79B N/A 9.75
RHFL:NSE Reliance Home Finance Limited

N/A

INR1.20B 2.77 43.35
TFL:NSE Transwarranty Finance Limited

N/A

INR0.06B 33.94 N/A

ETFs Containing PNBHOUSING

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Mortgage Finance)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 16.30% 82% B- 69% D+
Dividend Return N/A N/A N/A N/A N/A
Total Return 16.30% 82% B- 68% D+
Trailing 12 Months  
Capital Gain 64.56% 82% B- 53% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 64.56% 82% B- 53% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain -23.88% 27% F 11% F
Dividend Return 0.41% 13% F 31% F
Total Return -23.46% 27% F 11% F
Risk Return Profile  
Volatility (Standard Deviation) 31.93% 82% B- 64% D
Risk Adjusted Return -73.49% 27% F 11% F
Market Capitalization 71.90B 64% D 81% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Mortgage Finance)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 12.82 60% D- 67% D+
Price/Book Ratio 0.85 55% F 70% C-
Price / Cash Flow Ratio 0.81 27% F 75% C
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 6.84% 40% F 55% F
Return on Invested Capital 9.40% 82% B- 66% D
Return on Assets 0.71% 45% F 36% F
Debt to Equity Ratio 645.22% 27% F 2% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 1.12 55% F 41% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.