Company Valuation: PNB Housing Finance Limited

Data adjusted to current consolidation scope
Fiscal Period: March 2021 2022 2023 2024 2025 2026 2027 2028
Capitalization 1 63,084 63,536 86,648 1,63,587 2,29,124 2,01,360 - -
Change - 0.72% 36.38% 88.79% 40.06% -12.12% - -
Enterprise Value (EV) 63,084 63,536 86,648 1,63,587 2,29,124 2,01,360 2,01,360 2,01,360
Change - 0.72% 36.38% 88.79% 40.06% -12.12% 0% 0%
P/E ratio 6.78x 7.61x 8.28x 10.8x 11.9x 9.08x 8.6x 7.55x
PBR 0.71x 0.64x 0.79x 1.09x 1.36x 1.06x 0.96x 0.86x
PEG - -0.7x 0.3x -1.78x 0.4x 0.6x 1.53x 0.5x
Capitalization / Revenue 2.5x 2.97x 3.29x 5.85x 7.3x 5.75x 4.89x 4.13x
EV / Revenue 0x 0x 0x 0x 0x 5.75x 4.89x 4.13x
EV / EBITDA - - - - - - - -
EV / EBIT 0x 0x 0x 0x 0x 7.78x 6.55x 5.51x
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Dividend per Share 2 - - - - 5 11.3 13.13 15.68
Rate of return - - - - 0.57% 1.46% 1.7% 2.03%
EPS 2 55.26 49.53 61.95 58.2 74.25 85.12 89.92 102.4
Distribution rate - - - - 6.73% 13.3% 14.6% 15.3%
Net sales 1 25,243 21,363 26,311 27,960 31,402 35,039 41,148 48,699
EBITDA - - - - - - - -
EBIT 1 20,689 16,603 20,522 20,549 23,272 25,886 30,747 36,553
Net income 1 9,299 8,365 10,460 15,080 19,361 22,159 23,507 26,876
Net Debt - - - - - - - -
Reference price 2 374.90 376.85 513.15 629.85 881.50 772.95 772.95 772.95
Nbr of stocks (in thousands) 1,68,268 1,68,599 1,68,856 2,59,724 2,59,925 2,60,509 - -
Announcement Date 27/04/21 28/04/22 18/05/23 29/04/24 28/04/25 - - -
1INR in Million2INR
Estimates

P/E ratio, Detailed evolution

P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
9.08x - - 1.46% 219.11Cr
29.07x - - 1.89% 2.94TCr
8.11x - - 7.01% 1.17TCr
7.77x - - 1.39% 449.69Cr
26.22x - - - 437.52Cr
7.94x - - 3.66% 367.95Cr
14.13x - - 5.29% 366.42Cr
10.92x - - 1.08% 332.11Cr
9.29x - - 2.81% 324.61Cr
5.18x - - 2.15% 306.33Cr
Average 12.77x 2.97% 691.39Cr
Weighted average by Cap. 18.54x 3.08%

Y-o-Y evolution of P/E

Historical PBR trend

Evolution Enterprise Value / Sales

Change in Enterprise Value/EBITDA

Year-on-year evolution of the Yield

  1. Stock Market
  2. Equities
  3. PNBHOUSING Stock
  4. Valuation PNB Housing Finance Limited