PNB Housing Finance

Market Cap (₹ Cr.)

₹27,333

52 Week High

1,202.20

Book Value

₹577

52 Week Low

604.00

PE Ratio

17.15

PB Ratio

1.83

PE for Sector

21.33

PB for Sector

-4.95

ROE

10.07 %

ROCE

9.03 %

Dividend Yield

0.00 %

EPS

₹61.35

Industry

Finance

Sector

Finance - Housing

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

8.08 %

Net Income Growth

44.17 %

Cash Flow Change

-149.94 %

ROE

6.04 %

ROCE

5.33 %

EBITDA Margin (Avg.)

9.17 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Revenue	517	560	643	710	785	863	970	999	1,076	1,160	1,274	1,416	1,638	1,616	1,730	2,000	2,138	2,303	2,188	2,070	1,925	1,869	2,019	1,881	1,816	1,676	1,572	1,482	1,415	1,406	1,672	1,787	1,628	1,699	1,768	1,751	1,806	1,822
Expenses	64	70	77	73	100	103	74	113	152	159	158	148	228	164	189	202	154	288	257	293	882	155	269	338	476	255	239	224	247	149	356	409	261	187	190	206	156	153
EBITDA	453	490	566	637	686	760	897	886	924	1,001	1,116	1,268	1,410	1,452	1,542	1,798	1,984	2,015	1,931	1,777	1,043	1,714	1,750	1,543	1,339	1,422	1,334	1,258	1,168	1,257	1,315	1,378	1,367	1,512	1,578	1,545	1,650	1,669
Operating Profit %	88 %	88 %	88 %	90 %	87 %	88 %	92 %	89 %	86 %	86 %	88 %	90 %	86 %	90 %	89 %	90 %	93 %	87 %	88 %	86 %	54 %	92 %	87 %	82 %	74 %	85 %	85 %	85 %	83 %	89 %	79 %	77 %	84 %	89 %	89 %	88 %	91 %	92 %
Depreciation	0	3	3	4	4	4	5	5	5	5	5	7	7	7	8	8	9	16	17	18	14	16	15	14	14	13	13	13	14	13	13	13	13	13	11	13	14	13
Interest	363	403	446	487	525	608	685	673	678	750	835	926	1,026	1,100	1,229	1,410	1,428	1,513	1,521	1,461	1,380	1,364	1,340	1,246	1,151	1,103	1,034	998	931	930	964	997	1,008	1,048	1,058	1,087	1,070	1,097
Profit Before Tax	90	85	116	146	157	147	207	208	242	245	276	336	377	346	305	380	547	486	393	298	-351	334	396	282	175	306	286	248	223	313	338	369	346	451	509	445	566	559
Tax	29	28	39	55	54	51	70	70	89	75	108	121	109	129	87	90	142	125	65	91	85	102	106	109	90	117	72	-4	58	38	82	-18	-19	107	67	111	136	144
Net Profit	57	56	77	90	103	96	138	138	152	170	190	229	253	235	208	267	371	368	342	235	-263	260	312	223	130	235	233	184	170	238	263	272	283	353	384	347	444	439
EPS in ₹	5.49	4.44	6.08	7.12	8.08	7.56	10.85	9.18	9.20	10.23	11.41	13.77	15.16	14.06	12.44	15.94	22.16	21.94	20.35	13.98	-15.64	15.44	18.57	13.28	7.73	13.96	13.84	10.90	10.08	14.13	15.59	16.14	16.74	13.85	14.81	13.35	17.09	16.89

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	19,033	29,671	42,960	63,018	83,750	78,874	71,333	65,649	66,805	72,371
Fixed Assets	40	58	58	76	102	250	181	150	146	206
Current Assets	4,251	3,015	5,216	3,306	4,807	9,627	8,000	6,244	5,414	3,472
Capital Work in Progress	18	4	2	10	5	4	2	4	3	15
Investments	1,367	840	2,318	2,413	4,457	2,048	2,033	3,472	3,188	4,345
Other Assets	17,609	28,769	40,581	60,519	79,185	76,572	69,117	62,024	63,468	67,804
Total Liabilities	17,452	27,525	37,382	56,450	76,315	70,927	62,465	55,849	55,852	57,439
Current Liabilities	5,999	10,587	12,905	14,380	14,728	4,293	4,276	2,938	2,281	5,910
Non Current Liabilities	11,453	16,938	24,477	42,070	61,587	66,634	58,189	52,911	53,571	51,529
Total Equity	1,581	2,146	5,577	6,568	7,435	7,947	8,867	9,801	10,953	14,932
Reserve & Surplus	1,477	2,019	5,412	6,402	7,268	7,779	8,699	9,632	10,784	14,673
Share Capital	104	127	166	167	167	168	168	169	169	260

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	22	120	-101	2,751	1,209	4,486	-1,606	-1,992	-1,297	-1,659
Investing Activities	-37	-20	-17	-50	-53	-62	5	-1,476	174	-1,193
Operating Activities	-6,791	-9,664	-12,406	-15,664	-16,626	8,911	6,566	6,216	-1,772	-4,644
Financing Activities	6,850	9,804	12,322	18,464	17,888	-4,362	-8,177	-6,732	301	4,179

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	May 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	32.64 %	32.59 %	32.58 %	32.57 %	32.57 %	32.57 %	32.57 %	32.53 %	32.52 %	28.15 %	28.15 %	28.14 %	28.13 %	28.13 %	28.13 %
FIIs	24.51 %	25.86 %	25.95 %	24.30 %	23.96 %	23.96 %	23.24 %	23.64 %	24.29 %	25.82 %	24.78 %	24.81 %	24.70 %	25.01 %	17.89 %
DIIs	3.31 %	2.95 %	3.10 %	2.49 %	2.33 %	2.38 %	3.29 %	2.99 %	3.65 %	6.28 %	7.60 %	7.73 %	7.86 %	6.88 %	10.95 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	39.55 %	38.60 %	38.37 %	40.64 %	41.13 %	41.09 %	40.91 %	40.84 %	39.54 %	39.75 %	39.47 %	39.32 %	39.31 %	39.99 %	43.04 %

Show % Change

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Housing Finance	160.12	1,51,139.20	86.42	7,617.71	34.46	1,731	46,062.86	-
HUDCO	230.50	49,056.56	22.02	7,948.10	12.16	2,117	25.15	24.62
LIC Housing Finance	663.65	37,129.25	7.82	27,277.80	20.02	4,760	-0.96	42.25
PNB Housing Finance	1,015.30	27,333.34	17.15	7,057.09	8.08	1,508	24.61	53.94
Aadhar Housing Finance	459.70	19,538.07	24.31	2,586.98	26.59	750	36.79	63.35
Aptus Value Housing Finance	347.25	16,655.60	25.98	1,416.84	24.98	612	20.73	69.13
Aavas Financiers	1,869.30	14,461.15	29.49	2,020.69	25.46	491	14.81	62.98
Sammaan Capital	158.18	11,816.40	9.47	8,624.77	-1.16	1,217	11.00	46.99
Can Fin Homes	851.85	11,736.87	15.31	3,524.70	28.49	751	8.83	45.78
Home First Finance Company	1,213.35	10,463.61	32.26	1,156.55	45.37	306	26.98	62.63