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 Fair 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 2.76%, its profits have risen by 18.3% ; the PEG ratio of the company is 0.7
4
High Institutional Holdings at 60.69%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
PNB Housing
2.76%
0.08
36.36%
Sensex
-3.33%
-0.25
13.43%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
14
Price to Book Value
1.43
EV to EBIT
11.97
EV to EBITDA
11.87
EV to Capital Employed
1.10
EV to Sales
11.21
PEG Ratio
0.66
Dividend Yield
0.47%
ROCE (Latest)
9.15%
ROE (Latest)
11.92%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
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%
PBT LESS OI(Q)
Highest at Rs 864.23 cr.
PAT(Q)
Highest at Rs 655.80 cr.
EPS(Q)
Highest at Rs 25.17
-2What is not working for the Company
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 2,181.53 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,129.49 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 97.61%
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 864.23 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 864.23 cr has Grown at 24.12%
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 655.80 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 25.17
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for PNB Housing
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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