ScoreWhy is PNB Housing Finance Ltd ?
1
Poor long term growth as Net Sales has grown by an annual rate of 2.26% and Operating profit at 4.79%
2
Positive results in Mar 26
- NET SALES(Q) Highest at Rs 2,181.53 cr
- PBDIT(Q) Highest at Rs 2,129.49 cr.
- OPERATING PROFIT TO NET SALES(Q) Highest at 97.61%
3
With ROE of 11.9, it has a Expensive valuation with a 1.4 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 34.85%, its profits have risen by 18.3% ; the PEG ratio of the company is 0.7
4
High Institutional Holdings at 62.55%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.86% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 34.85% in the last 1 year, much higher than market (BSE500) returns of 2.91%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to PNB Housing should be less than 10%
- Overall Portfolio exposure to Housing Finance Company should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Housing Finance Company)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is PNB Housing for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
PNB Housing
34.85%
1.08
32.18%
Sensex
-3.2%
-0.24
13.59%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
12
Price to Book Value
1.42
EV to EBIT
11.95
EV to EBITDA
11.85
EV to Capital Employed
1.09
EV to Sales
11.20
PEG Ratio
0.66
Dividend Yield
0.76%
ROCE (Latest)
9.15%
ROE (Latest)
11.92%
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
DPR(Y)
Highest at 9.10%
NET SALES(Q)
Highest at Rs 2,263.44 cr
-4What is not working for the Company
OPERATING CF(Y)
Lowest at Rs -8,983.55 Cr
DEBT-EQUITY RATIO(HY)
Highest at 3.71 times
Loading Valuation Snapshot...
Here's what is working for PNB Housing
Net Sales - Quarterly
Highest at Rs 2,263.44 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Dividend Payout Ratio (DPR) - Annually
Highest at 9.10%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for PNB Housing
Operating Cash Flow - Annually
Lowest at Rs -8,983.55 Cr and Fallen
each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (Rs Cr)
Debt-Equity Ratio - Half Yearly
Highest at 3.71 times
in the last five half yearly periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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