Financials PNB Housing Finance Limited

Equities

PNBHOUSING

INE572E01012

Banks

Market Closed - NSE India S.E. 05:17:55 21/06/2024 pm IST 5-day change 1st Jan Change
783.5 INR -1.05% Intraday chart for PNB Housing Finance Limited -5.94% +0.35%

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,44,816 27,272 63,084 63,536 86,648 2,03,497 - -
Enterprise Value (EV) 1 1,44,816 27,272 63,084 63,536 86,648 1,63,587 2,03,497 2,03,497
P/E ratio 12.2 x 4.22 x 6.78 x 7.61 x 8.28 x 10.8 x 11.3 x 9.49 x
Yield - - - - - 0.51% 0.61% 0.73%
Capitalization / Revenue 5.75 x 1.04 x 2.5 x 2.97 x 3.29 x 7.41 x 6.33 x 5.4 x
EV / Revenue 5.75 x 1.04 x 2.5 x 2.97 x 3.29 x 7.41 x 6.33 x 5.4 x
EV / EBITDA 20,89,052 x 12,81,417 x - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.92 x 0.34 x 0.71 x 0.64 x 0.79 x 1.37 x 1.22 x 1.09 x
Nbr of stocks (in thousands) 1,67,466 1,68,187 1,68,268 1,68,599 1,68,856 2,59,728 - -
Reference price 2 864.8 162.2 374.9 376.8 513.2 783.5 783.5 783.5
Announcement Date 09/05/19 13/06/20 27/04/21 28/04/22 18/05/23 29/04/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 25,168 26,146 25,243 21,363 26,311 27,479 32,169 37,688
EBITDA 69,321 21,282 - - - - - -
EBIT 1 - 20,624 20,689 16,603 20,522 20,800 24,056 28,998
Operating Margin - 78.88% 81.96% 77.72% 78% 75.69% 74.78% 76.94%
Earnings before Tax (EBT) 1 - 8,110 12,070 10,840 13,609 18,562 22,971 27,099
Net income 1 11,915 6,462 9,299 8,365 10,460 14,344 17,821 21,027
Net margin 47.34% 24.72% 36.84% 39.16% 39.75% 52.2% 55.4% 55.79%
EPS 2 70.76 38.41 55.26 49.53 61.95 58.20 69.45 82.52
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - - - 3.975 4.771 5.743
Announcement Date 09/05/19 13/06/20 27/04/21 28/04/22 18/05/23 29/04/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 6,501 6,835 5,900 5,516 4,995 4,951 4,817 7,196 8,002 6,297 6,602 6,322 - 6,722 6,902
EBITDA - - - - - - - - - - - - - - -
EBIT 1 5,505 5,387 4,748 4,330 3,832 3,693 3,594 5,837 6,217 4,874 5,072 5,176 5,628 5,219 -
Operating Margin 84.68% 78.82% 80.47% 78.5% 76.72% 74.59% 74.6% 81.11% 77.7% 77.41% 76.83% 81.87% - 77.64% -
Earnings before Tax (EBT) 1 2,938 1,881 3,152 2,912 2,537 2,238 3,111 3,404 3,669 3,425 4,467 4,646 5,043 4,686 -
Net income 1 2,324 1,270 2,433 2,352 1,884 1,695 2,350 2,626 2,691 2,793 3,473 3,545 3,870 3,702 -
Net margin 35.75% 18.58% 41.23% 42.64% 37.73% 34.24% 48.77% 36.5% 33.63% 44.35% 52.61% 56.07% - 55.08% -
EPS - - - - - - - - - - - - - - -
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 27/01/21 27/04/21 04/08/21 02/11/21 20/01/22 28/04/22 28/07/22 27/10/22 24/01/23 18/05/23 24/07/23 - - - -
1INR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 16.9% 8.32% 10.9% 8.9% 10% 11.1% 11.3% 11.9%
ROA (Net income/ Total Assets) - 0.79% 1.2% 1.22% 1.58% 2.06% 2.26% 2.28%
Assets 1 - 8,14,007 7,74,917 6,85,611 6,63,032 6,96,320 7,88,540 9,22,254
Book Value Per Share 2 450.0 476.0 530.0 586.0 652.0 572.0 642.0 717.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 09/05/19 13/06/20 27/04/21 28/04/22 18/05/23 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
7
Last Close Price
783.5 INR
Average target price
914.8 INR
Spread / Average Target
+16.75%
Consensus

Quarterly revenue - Rate of surprise

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  4. Financials PNB Housing Finance Limited