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Fincash » Search » PNB Housing Finance Ltd

PNB Housing Finance Ltd

Updated on May 13, 2019

Stock/Share Code - PNBHOUSING

PNB Housing Finance is primarily engaged in the business of providing loans to individuals and corporate bodies for purchase, construction, repair and up-gradation of houses. It also provides loans for commercial space, loan against property and loan for purchase of residential plots.

Below is the details of PNBHOUSING PNB Housing Finance Ltd

Market Cap₹15,005 Cr.
Current Price ₹736.1 as on 17 May 19
52 Week High / Low Price₹1,444 / ₹694
Face Value₹10
Stock P/E16.12
Book Value₹409.38
Dividend Yield1.00 %
ROCE9.48 %
ROE13.98 %
Sales Growth (3yrs)45.79 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company is expected to give good quarter Company has good consistent profit growth of 55.00% over 5 years
Cons: Company has low interest coverage ratio. Promoter holding is low: 32.79%

PNB Housing Finance Ltd Price Chart

PNB Housing Finance Ltd Price Chart

PNB Housing Finance Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. H D F C ₹231.25 32.95 ₹316,742.15 Cr. 1.06 ₹2,113.8 Cr. -60.12 -25.01 10555.55 9.65
2. Indiabulls Hous. ₹723.2 6.81 ₹28,005.61 Cr. 6.24 ₹985.51 Cr. -13.73 23.89 4236.80 11.43
3. LIC Housing Fin. ₹499.25 10.54 ₹23,996.11 Cr. 1.43 ₹596.31 Cr. 25.51 22.42 4438.78 9.60
4. Dewan Hsg. Fin. ₹319.95 2.67 ₹3,998.1 Cr. 4.31 ₹313.6 Cr. -36.70 12.33 3250.94 9.78
5. H U D C O ₹231.25 6.93 ₹8,087.68 Cr. 1.36 ₹328.26 Cr. 26.90 21.88 1310.53 8.06
6. PNB Housing 16.12 ₹15,004.91 Cr. 1.00 ₹266.95 Cr. 16.34 41.20 1999.50 9.48
7. GRUH Finance ₹306.95 40.52 ₹18,153.48 Cr. 0.66 ₹96.95 Cr. 6.73 24.80 540.06 10.77

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PNB Housing Finance Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018
Revenue7858639709991,0761,1601,2741,4161,5701,6161,7302,000
Interest5256086856736787508359261,0171,1001,2291,410
Expenses10010374113152159158148204164189202
Employee Cost %2.02%2.56%2.74%2.5%2.56%2.77%2.33%2.6%2.52%2.78%2.98%2.54%
Financing Profit161152212213246250281342349352313387
Financing Margin %20%18%22%21%23%22%22%24%22%22%18%19%
Other Income000000000001
Depreciation445555577788
Profit before tax157147207208242245276336343346305380
Tax %34%35%34%34%37%31%31%32%36%32%32%30%
Net Profit10396138138152170190229220235208267
Gross NPA %0.22%0.00%0.26%0.37%0.22%0.43%0.34%0.42%0.33%0.43%0.00%0.00%
Net NPA %0.14%0.00%0.18%0.27%0.15%0.33%0.26%0.33%0.25%0.33%0.00%0.00%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue1482242763083594616661,1201,7802,6983,9085,5166,916
Interest1041461821992303144628021,2651,8602,6443,5314,756
Expenses15241922374175136213320442683758
Manufacturing Cost %0.5%0.37%0.3%0.3%0.29%0.15%0.23%0.24%0.21%0.21%0.18%0.16%%
Employee Cost %3.14%2.47%2.32%2.11%2.51%3.34%3.82%3.61%3.77%2.79%2.59%2.47%%
Other Cost %6.79%7.72%4.43%4.87%7.45%5.34%7.15%8.31%7.96%8.87%8.53%9.74%%
Financing Profit29557586931061301833035188221,3031,402
Financing Margin %19%24%27%28%26%23%19%16%17%19%21%24%20%
Other Income53195-0-0-0-01001
Depreciation10000013815192429
Profit before tax33577694981061291792945038041,2791,374
Tax %16%29%29%29%29%27%28%28%34%35%35%35%
Net Profit28415367697793130194326524831931
EPS in Rs31.6248.64
Dividend Payout %11%15%11%9%10%9%13%15%16%13%19%18%

Compounded Sales Growth

  • 10 Years:: 37.77%
  • 5 Years:: 52.61%
  • 3 Years:: 45.79%
  • TTM:: 40.38%

Compounded Profit Growth

  • 10 Years:: 35.24%
  • 5 Years:: 55.00%
  • 3 Years:: 62.33%
  • TTM:: 25.44%

Return on Equity

  • 10 Years:: 15.44%
  • 5 Years:: 14.64%
  • 3 Years:: 14.41%
  • TTM:: 13.98%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Sep 2018
Share Capital3030303030305066104127166167167
Equity Capital3030303030305065.69103.85126.92165.64166.59
Reserves1051391852453063705688681,4752,0195,4126,1406,688
Borrowings1,4771,8832,3402,6563,1713,8606,69510,10816,48126,01435,49754,07227,673
Other Liabilities6444481351641773445071,0131,5782,0073,60739,021
Trade Payables0.160.330.040.374.323.166.621.6156.6675.2493.56125.36129.79
Total Liabilities1,6762,0962,6033,0653,6714,4367,65711,54919,07229,73843,08163,98573,550
Fixed Assets32222514264058587687
Gross Block7.036.796.315.793.595.7516.130.7952.285.55104.3145.44
Accumulated Depreciation4.394.34.093.611.811.141.954.9712.6227.4445.969.48
CWIP000001431842106
Investments871363674303113787776451,5861,6223,2802,3801,539
Other Assets1,5871,9582,2342,6333,3584,0536,86310,87517,42928,05339,74161,52071,918
Trade receivables0000000000000.58
Cash Equivalents3.5320.3820.876.9367.1711.42128.04138.42293.14248.54151.472816.874043.61
Loans n Advances52.8130.8638.12149.77391.96258.311311.992030.212627.881993.112867.394112.9267094.47
Total Assets1,6762,0962,6033,0653,6714,4367,65711,54919,07229,73843,08163,98573,550

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity-351-228-580-728-2,901-3,627-6,791-9,664-12,406-15,673
Profit from operations55.7271.1106.03112.15142.25213.02341.06601.46925.541502.19
Working Capital Changes-384.1-272.44-652.92-808.13-3005.97-3791.41-7039.97-10100.49-13060.08-16701.29
Taxes paid-22.34-27.07-32.84-32.29-37.11-48.76-92.07-165.44-271.93-474.39
Cash from Investing Activity-39-221124-3-14-15-37-20-17-50
Fixed Assets Purchased-0.42-0.23-0.42-2.85-13.73-14.77-37.48-19.71-16.94-49.58
Fixed Assets Sold0.030.030.510.070.10.10.140.070.060.08
Investments purchased-290.35-346.9-342.890000000
Investments sold241.33116.03461.810000000
Cash from Financing Activity4064505167152,9653,6046,8509,80412,32218,474
Proceeds from Shares00000204496300300031.92
Proceeds from Borrowings40.52304.47903.99904.082985.223235.087717.8203100.085371.36
Repayment of Borrowings-60.210-494.56-568.99-696.24-1172.78-2359.72000
Dividends Paid00-7-7.67-7.67-12.01-17.6-29.01-48.61-120.3
Net Cash Flow17060-1651-3822120-1012,751

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %23%27%28%27%23%21%18%17%15%18%14%14%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.