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PNB Housing Finance Ltd

PNBHOUSING

PNB Housing Finance Ltd

PNBHOUSING
FinancialsHome Financing
SmallcapWith a market cap of ₹23,756 cr, stock is ranked 321
High RiskStock is 3.29x as volatile as Nifty
967.800.48% (+4.65)
967.800.48% (+4.65)

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1D
1W
1M
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Max
SIP
FinancialsHome Financing
SmallcapWith a market cap of ₹23,756 cr, stock is ranked 321
High RiskStock is 3.29x as volatile as Nifty

How to use scorecard? Learn more

FinancialsHome Financing
SmallcapWith a market cap of ₹23,756 cr, stock is ranked 321
High RiskStock is 3.29x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
14.141.59—
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
18.342.550.94%

Forecast & Ratings

Detailed Forecast 
89%
Analysts have suggested that investors can buy this stock

from 9 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

Company Profile

PNB Housing Finance Limited provides housing loans to individuals and corporate bodies for construction, purchase, repair and up gradation of houses. It also provides loans for commercial space and loan for purchase of residential plots

Investor Presentation

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Oct 24, 2024

PDF
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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Lower than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of -1.69%, vs industry avg of 1.6%

Increasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 4.69% to 13.31%

Higher than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 4.82%, vs industry avg of 2.74%

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Financial YearFY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue5,489.347,683.228,489.557,624.086,200.736,529.667,057.097,281.71
Raw Materialssubtract———————5,068.26
Power & Fuel Costsubtract———————
Employee Costsubtract144.14303.88233.06211.29216.61265.96337.34
Selling & Administrative Expensessubtract253.26239.97170.02128.90173.45193.51257.11
Operating & Other expensessubtract3,833.235,373.617,209.616,017.854,673.324,657.844,457.55
Depreciation/Amortizationsubtract24.1331.3765.8559.0153.3951.4451.1954.43
Interest & Other Itemssubtract————————
Taxes & Other Itemssubtract393.43542.87164.77277.13247.48314.91445.89478.84
EPS41.8159.0631.8845.7741.1251.3365.0564.69
DPS7.457.450.000.000.000.000.000.00
Payout ratio0.180.130.000.000.000.000.000.00

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2022

Annual report

PDF

Investor Presentation

Apr 28PDF
Jan 20PDF
Nov 2PDF
Aug 4PDF
FY 2023

Annual report

PDF

Investor Presentation

May 18PDF
Jan 24PDF
Oct 27PDF
Jul 28PDF
FY 2024

Annual report

PDF

Investor Presentation

Jul 24PDF
FY 2025

Annual Report Pending

Investor Presentation

Oct 24PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsHome Financing

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
PNB Housing Finance Ltd15.751.59—
LIC Housing Finance Ltd7.381.121.41%
Aptus Value Housing Finance India Ltd26.374.281.39%
Aavas Financiers Ltd26.773.48—

Price Comparison

Compare PNBHOUSING with any stock or ETF
Compare PNBHOUSING with any stock or ETF
PNBHOUSING
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Shareholdings

Promoter Holdings Trend

Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Increased Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has increased by 2.53%

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding28.11%16.03%6.14%20.42%29.29%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Shareholding History

JunSepDec '23MarJunSep24.78%24.81%24.70%25.01%17.89%20.42%

Mutual Funds Holding Trend

Increased Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has increased by 10.18%

Top 5 Mutual Funds holding PNB Housing Finance Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
Nippon India Small Cap Fund - Growth - Direct Plan

Growth
1.6476%0.63%-0.07%35/234 (+85)
Aditya Birla Sun Life PSU Equity Fund - Growth - Direct Plan

Growth
1.1818%5.15%1.13%6/47 (+1)
HSBC Small Cap Fund - Growth - Direct Plan

Growth
0.9632%1.33%0.32%68/109 (-3)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

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smallcases

Looks like this stock is not in any smallcase yet.

Events

Dividend Trend

No Dividends

Dividends are the portion of earnings that a company distributes to all its shareholders every year

PNBHOUSING has not given any dividends in last 5 years

Dividends

Corp. Actions

Announcements

Legal Orders

Upcoming Dividends

No upcoming dividends are available

Past Dividends

Cash Dividend

Ex DateEx DateJul 19, 2019

Final
Final | Div/Share: ₹9.00

Dividend/Share

₹9.00

Ex DateEx Date

Jul 19, 2019

Cash Dividend

Ex DateEx DateJul 19, 2018

Final
Final | Div/Share: ₹9.00

Dividend/Share

₹9.00

Ex DateEx Date

Jul 19, 2018

Cash Dividend

Ex DateEx DateJul 25, 2017

Final
Final | Div/Share: ₹6.00

Dividend/Share

₹6.00

Ex DateEx Date

Jul 25, 2017

News & Opinions
Spotlight
India Ratings affirms PNB Housing's 'AA+' rating with 'stable' outlook

Offering the rating rationale, India Ratings stated that the ratings factor the significant presence of PNB Housing Finance Limited in the mortgage space that has seen multiple business cycles. The ratings also factor in the granularisation of the loan book, with 98% of the book being retail, and almost complete rundown of the corporate book. India Ratings expects its credit costs to be modest, given the retail and granular nature of the loan book. The Rs 2,500 crore equity infusion in the form of rights issue offers the necessary growth capital to expand the franchisee in the granular mortgage space. However, the performance of the affordable housing portfolio, which is at a nascent stage, remains a monitorable. The agency further stated that a substantial proportion of granular stable funding in the borrowing mix, a sizeable expansion in the franchisee, gaining the market leadership, and expanding its presence across multiple geographies while maintaining its credit costs will be positive for the ratings. However, the company's inability to expand its franchisee on account of competitive headwinds or otherwise, elevated delinquency levels such that the gross NPA exceeding 5%, on a sustained basis, and a significant deterioration in PNBHF's liquidity buffer, on a sustained basis, could lead to a negative ratings action. PNB Housing Finance is a deposit-accepting housing finance company registered under the National Housing Bank and the Companies Act, 1956. PNBHF provides housing loans to individuals for purchase, construction, repair, and upgrade of houses. It also provides loans against property, loans for commercial property, and loans for purchase of residential plots, and real estate development loans (no new sanctions of real estate development loans since April 2019). The scrip fell 1.61% to currently trade at Rs 850.50 on the BSE. Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Spotlight
PNB Housing gains after Q2 PAT climbs 23% YoY to Rs 470 cr

Profit before tax (PBT) stood at Rs 604.73 crore in Q2 FY25, up 19.25% as compared with Rs 507.11 crore in Q2 FY24. In Q2 FY25, net interest income (NII) rose 1.2% YoY to Rs 669 core; lower growth in NII is due to declining impact of corporate book. Net interest margin (NIM) stood at 3.68% in Q2 FY25 as compared with 3.95% in Q2 FY24. Disbursement stood at Rs 5,341 crore in Q2 FY25, up 27.8% YoY. Retail Segment grew by 28.2% YoY to Rs 5,341 crore. Loan asset grew by 14.2%YoY to Rs 69,501 crore as on 30th September 2024, Retail loans grew by 16.2% YoY to Rs 67,970 crore as on 30th September 2024 while corporate loans are at Rs 1,531 crore as on 30th September 2024, reduced by 35.7% as compared with 30th September 2023. Asset under Management (AUM) grew by 10.8% YoY to Rs 74,724 crore as on 30th September 2024. Gross non performing asset (GNPA) stood at 1.24% as on 30th September 2024 as compared to 1.78% as on 30th September 2023 and 1.35% as on 30th June 2024. Net NPA stood at 0.84% as on 30th Sep 2024. The company's capital to risk asset ratio (CRAR) stood at 29.13% as on 30th September 2024, of which Tier I capital is 28.06% and Tier II is 1.07% as compared 30.38% as on 30th September 2023, of which Tier I capital was 28.50% and Tier II was 1.88%. As on 30 September 2024, the company has 303 branches / outreach locations. Affordable business presence expanded to 160 branches. Girish Kousgi, managing director & CEO said: 'The company's focused approach led to growth across all parameters. The Retail Asset grew by 16.2% YoY inching towards our stated guidance of 17% for FY25. Our affordable segment is performing well and crossed INR 3,000 crore in Loan Asset in October 2024. The Company registered retail disbursements growth of 28% YoY to INR 5,341 crore during the reported quarter i.e. Q2 FY25. The portfolio asset quality continues to improve with Gross NPA at 1.24% as on 30th Sept 2024.' PNB Housing Finance is a deposit-accepting housing finance company, with second largest deposits outstanding within housing finance companies. The company provides housing loans to individuals for purchase, construction, repair, and upgrade of houses.Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
PNB Housing Finance consolidated net profit rises 22.63% in the September 2024 quarter

Net profit of PNB Housing Finance rose 22.63% to Rs 469.68 crore in the quarter ended September 2024 as against Rs 383.00 crore during the previous quarter ended September 2023. Sales rose 5.68% to Rs 1878.68 crore in the quarter ended September 2024 as against Rs 1777.75 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales1878.681777.75 6 OPM %92.4188.54 - PBDT618.58518.44 19 PBT604.73507.11 19 NP469.68383.00 23 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
PNB Housing Finance to discuss results

PNB Housing Finance will hold a meeting of the Board of Directors of the Company on 24 October 2024.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
PNB Housing Finance allots 81,940 equity shares under ESOP

PNB Housing Finance has allotted 81,940 equity shares under ESOP on 24 September 2024. With this allotment, the paid up equity share capital has increased to Rs 2,59,84,28,510 consisting of 25,98,42,851 number of equity shares of Rs 10/- each. Powered by Capital Market - Live

2 months agoCapital Market - Live
Spotlight
PNB Housing Finance Ltd leads losers in 'A' group

LIC Housing Finance Ltd, Emami Ltd, Ajanta Pharma Ltd and Mahanagar Telephone Nigam Ltd are among the other losers in the BSE's 'A' group today, 16 September 2024.PNB Housing Finance Ltd tumbled 5.98% to Rs 1067.75 at 14:46 IST.The stock was the biggest loser in the BSE's 'A' group.On the BSE, 2.82 lakh shares were traded on the counter so far as against the average daily volumes of 13.76 lakh shares in the past one month.LIC Housing Finance Ltd lost 5.74% to Rs 681.85. The stock was the second biggest loser in 'A' group.On the BSE, 4.68 lakh shares were traded on the counter so far as against the average daily volumes of 1.03 lakh shares in the past one month.Emami Ltd crashed 4.77% to Rs 750.5. The stock was the third biggest loser in 'A' group.On the BSE, 69257 shares were traded on the counter so far as against the average daily volumes of 18481 shares in the past one month.Ajanta Pharma Ltd pared 4.38% to Rs 3183.55. The stock was the fourth biggest loser in 'A' group.On the BSE, 5671 shares were traded on the counter so far as against the average daily volumes of 9590 shares in the past one month.Mahanagar Telephone Nigam Ltd plummeted 4.01% to Rs 56.91. The stock was the fifth biggest loser in 'A' group.On the BSE, 5.52 lakh shares were traded on the counter so far as against the average daily volumes of 10.32 lakh shares in the past one month.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Board of PNB Housing Finance approves NCD issuance up to Rs 2,500 cr

The Board of PNB Housing Finance at its meeting held on 09 September 2024 has approved issuance of non-convertible debentures up to Rs 2,500 crore on private placement basis in tranches over the next six months. Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
PNB Housing Finance to hold board meeting

PNB Housing Finance will hold a meeting of the Board of Directors of the Company on 9 September 2024.Powered by Capital Market - Live

3 months agoCapital Market - Live
Spotlight
PNB Housing hits 52-week high as board OKs raising Rs 2,500-cr via NCDs

The issue will be done on a private placement basis, in tranches over the next six months. PNB Housing Finance is a deposit-accepting housing finance company, with second largest deposits outstanding within housing finance companies. The company provides housing loans to individuals for purchase, construction, repair, and upgrade of houses. The company's consolidated net profit rose 24.6% to Rs 432.81 crore on 7.3% increase in total income to Rs 1,832.08 crore in Q1 FY25 over Q1 FY24. The counter hit a 52-week high of Rs 1,109.90 in intraday session. Powered by Capital Market - Live

3 months agoCapital Market - Live
Live Market Update
Indices edge higher in early trade; breadth strong

The key equity indices traded with minor gains in early trade. The Nifty traded above 25,200 level. Media, metal and banking stocks advanced while realty, pharma and IT stocks declined. At 09:25 IST, the barometer index, the S&P BSE Sensex, advanced 143.74 points or 0.17% to 82,496.38. The Nifty 50 index added 18.55 points or 0.07% to 25,217.25. In the broader market, the S&P BSE Mid-Cap index jumped 0.38% and the S&P BSE Small-Cap index gained 0.90%. The market breadth was strong. On the BSE, 2,328 shares rose and 557 shares fell. A total of 112 shares were unchanged. Foreign portfolio investors (FPIs) bought shares worth Rs 975.46 crore, while domestic institutional investors (DIIs), were net buyers to the tune of Rs 97.35 crore in the Indian equity market on 4 September 2024, provisional data showed. Stocks in Spotlight: PNB Housing Finance advanced 1.15% after the company's board will meet on 9 September 2024, to consider the issuance of non convertible debentures (NCDs) upto Rs 2,500 crore on a private placement basis, in tranches over the six months. Canara Bank shed 0.09%. The bank will issue five year $300 million medium-term notes through IFSC banking unit. The bonds are to be issued at a coupon rate of 4.896% to be paid on semi annually. Godrej Properties rose 0.53%. The company's board approved the issuance of 6,460 unsecured, redeemable, rated, listed, non-convertible debentures of face value of Rs 1 lakh, aggregating to Rs 64.60 crore. Numbers to Track: The yield on India's 10-year benchmark federal paper jumped 1.53% to 6.975 as compared with previous close 6.975. In the foreign exchange market, the rupee edged higher against the dollar. The partially convertible rupee was hovering at 83.9725, compared with its close of 84.0175 during the previous trading session. MCX Gold futures for 4 October 2024 settlement rose 0.01% to Rs 71,487. The US Dollar index (DXY), which tracks the greenback's value against a basket of currencies, was down 0.03% to 101.32. The United States 10-year bond yield fell 0.13% to 3.765. In the commodities market, Brent crude for November 2024 settlement gained 10 cents or 0.14% to $72.80 a barrel. Global Markets: Asian markets traded mixed on Thursday, as investors assessed July pay data out of Japan. Average monthly cash earnings in the country rose 3.6% year-on-year, a softer rise compared to the 4.5% climb seen in June. Investors are looking ahead for other economic data coming from the region include trade data from Australia and Singapore's retail sales numbers. The US job openings data for July, at 7.67 million, fell below estimates. This marked the lowest level since early 2021, indicating a potential challenge in achieving a soft landing for the world's largest economy. Market participants will closely monitor the upcoming August economic report on Friday, which could further influence the magnitude of rate cuts. China's economic difficulties intensified as JPMorgan strategists downgraded the country's stock outlook. Citing a challenging economic landscape and heightened volatility surrounding the US election, they lowered their rating from overweight to neutral. In an attempt to stimulate the property market and broader economy, China is considering interest rate cuts on a significant portion of its mortgage debt. A notable development saw India surpass China as the largest weighting in the MSCI EM investable market index (IMI). US stock markets experienced a mixed start to September. The S&P 500 and Nasdaq Composite declined for a second consecutive day Wednesday, while the Dow Jones Industrial Average gained slightly. A temporary return to a normal yield curve provided some support to US stocks, easing recession concerns that had previously plagued investors.Powered by Capital Market - Live

3 months agoCapital Market - Live