Why is PNB Housing Finance Ltd ?
1
Poor long term growth as Net Sales has grown by an annual rate of 0.65% and Operating profit at 4.05%
How much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Housing Finance Company)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is PNB Housing for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
PNB Housing
-5.08%
-0.14
36.72%
Sensex
4.75%
0.39
11.83%
Valuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
13
Price to Book Value
1.28
EV to EBIT
11.22
EV to EBITDA
11.13
EV to Capital Employed
1.06
EV to Sales
10.42
PEG Ratio
0.39
Dividend Yield
0.57%
ROCE (Latest)
9.47%
ROE (Latest)
11.96%
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Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Movement
16What is working for the Company
NET SALES(Q)
Highest at Rs 2,127.86 cr
PBDIT(Q)
Highest at Rs 2,040.27 cr.
DPR(Y)
Highest at 6.71%
OPERATING PROFIT TO NET SALES(Q)
Highest at 95.88%
PBT LESS OI(Q)
Highest at Rs 756.90 cr.
PAT(Q)
Highest at Rs 581.59 cr.
EPS(Q)
Highest at Rs 22.33
-3What is not working for the Company
OPERATING CF(Y)
Lowest at Rs -8,057.33 Cr
Loading Valuation Snapshot...
Here's what is working for PNB Housing
Net Sales - Quarterly
Highest at Rs 2,127.86 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,040.27 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 95.88%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 756.90 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 756.90 cr has Grown at 25.37%
Year on Year (YoY)MOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 581.59 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 581.59 cr has Grown at 23.8%
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 22.33
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Dividend Payout Ratio (DPR) - Annually
Highest at 6.71%
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 -8,057.33 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)






