PNB Housing Finance Ltd (PNBHOUSING) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Can Fin Homes

Sammaan Capital

PNB Housing

Aadhar Hsg. Fin.

INDIA SHELTE FIN

Repco Home Fin

Home First Finan

Aptus Value Hou.

LIC Housing Fin.

Aavas Financiers

Bajaj Housing

Why is PNB Housing Finance Ltd ?

Poor long term growth as Net Sales has grown by an annual rate of 0.65% and Operating profit at 4.05%

The company has declared Positive results for the last 12 consecutive quarters

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%

With ROE of 12, 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 1.02%, its profits have risen by 27.9% ; the PEG ratio of the company is 0.4

High Institutional Holdings at 59.31%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How 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

0.99%

0.03

36.25%

Sensex

4.89%

0.41

11.85%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

0.65%

EBIT Growth (5y)

4.05%

Net Debt to Equity (avg)

3.63

Institutional Holding

59.31%

ROE (avg)

9.73%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.36

EV to EBIT

11.41

EV to EBITDA

11.32

EV to Capital Employed

1.08

EV to Sales

10.60

PEG Ratio

0.41

Dividend Yield

0.53%

ROCE (Latest)

9.47%

ROE (Latest)

11.96%

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

No Trend

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

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

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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 quarters

MOJO 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 quarters

MOJO 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 quarters

MOJO 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 quarters

MOJO 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 quarters

MOJO 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 quarters

MOJO 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 years

MOJO 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 years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (Rs Cr)