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PNB Housing Finance Ltd

Updated on January 18, 2020

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.(Source : 201903 Annual Report Page No: 129)

Below is the details of PNBHOUSING PNB Housing Finance Ltd

Market Cap₹8,960 Cr.
Current Price ₹429.55 as on 10 Dec 19
52 Week High / Low Price₹1,008 / ₹370.5
Face Value₹10
Stock P/E6.64
Book Value₹476.18
Dividend Yield1.68 %
ROCE9.66 %
ROE15.45 %
Sales Growth (3yrs)40.49 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has reduced debt. Stock is trading at 1.12 times its book value Company is expected to give good quarter Company has good consistent profit growth of 52.79% over 5 years
Cons: Company has low interest coverage ratio. Promoter's stake has decreased Promoter holding is low: 32.66%

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 ₹144.7 18.88 ₹396,819.16 Cr. 0.91 ₹10,388.61 Cr. 80.38 43.16 32796.50 11.14
2. LIC Housing Fin. ₹425 8.74 ₹23,420.81 Cr. 1.64 ₹767.99 Cr. 36.41 18.44 4979.95 9.10
3. AAVAS Financiers ₹1,795.85 59.74 ₹13,861.2 Cr. 0.00 ₹76.04 Cr. 115.29 41.15 231.24 10.87
4. Indiabulls Hous. ₹269.7 3.55 ₹12,421.03 Cr. 13.76 ₹709.52 Cr. -32.05 -19.62 3419.54 12.38
5. PNB Housing 6.64 ₹8,960 Cr. 1.68 ₹342.09 Cr. 64.26 26.40 2187.29 9.66
6. H U D C O ₹144.7 5.13 ₹8,347.92 Cr. 1.98 ₹725.78 Cr. 157.28 67.00 2044.73 8.43
7. Can Fin Homes ₹406.7 16.55 ₹5,303.53 Cr. 0.50 ₹97.62 Cr. 19.71 19.18 500.49 9.67

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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

Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019
Revenue9991,0761,1601,2741,4161,6381,6161,7302,0002,1352,3022,187
Interest6736787508359261,0261,1001,2291,4101,4281,5131,521
Expenses113152159158148228164189202154288257
Employee Cost %2.5%2.56%2.77%2.33%2.6%2.7%2.78%2.98%2.54%3%2.6%2.56%
Financing Profit213246250281342384352313387553500409
Financing Margin %21%23%22%22%24%23%22%18%19%26%22%19%
Other Income000000001321
Depreciation55557778891617
Profit before tax208242245276336377346305380547486393
Tax %34%37%31%31%32%33%32%32%30%32%24%13%
Net Profit138152170190229253235208267371368342
EPS in Rs9.189.2010.2311.4113.7715.1614.0612.4415.9422.1621.9420.35
Gross NPA %0.37%0.22%0.43%0.34%0.42%0.33%0.43%0.45%0.45%0.00%0.85%0.84%
Net NPA %0.27%0.15%0.33%0.26%0.33%0.23%0.33%0.35%0.00%0.00%0.43%0.65%
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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue2242763083594616661,1201,7802,6983,9085,4887,4818,623
Interest1461821992303144628021,2651,8602,6443,5375,1675,872
Expenses241922374175136213320442693708902
Manufacturing Cost %0.37%0.3%0.3%0.29%0.15%0.23%0.24%0.21%0.21%0.18%1.7%1.28%%
Employee Cost %2.47%2.32%2.11%2.51%3.34%3.82%3.61%3.77%2.79%2.59%2.6%2.82%%
Other Cost %7.72%4.43%4.87%7.45%5.34%7.15%8.31%7.97%8.87%8.53%8.32%5.36%%
Financing Profit557586931061301833035188221,2581,6061,850
Financing Margin %24%27%28%26%23%19%16%17%19%21%23%21%21%
Other Income3195-0-0-0-010046
Depreciation000001381519243150
Profit before tax577694981061291792945038041,2351,5781,806
Tax %29%29%29%29%27%28%28%34%35%35%32%31%
Net Profit4153676977931301943265248421,0811,348
EPS in Rs13.1917.4621.9222.7725.4618.2219.3518.2225.0731.6250.5564.5780.39
Dividend Payout %15%11%9%10%9%13%15%16%13%19%18%14%

Compounded Sales Growth

  • 10 Years:: 39.11%
  • 5 Years:: 46.19%
  • 3 Years:: 40.49%
  • TTM:: 34.75%

Compounded Profit Growth

  • 10 Years:: 35.09%
  • 5 Years:: 52.79%
  • 3 Years:: 49.06%
  • TTM:: 45.72%

Return on Equity

  • 3 Years:: -16.22%
  • 1 Year:: -41.22%

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Sep 2019
Share Capital30303030305066104127166167167168
Equity Capital30303030305065.69103.85126.92165.64166.59167.47168.12
Reserves1391852453063705688681,4752,0195,4126,4027,2687,840
Borrowings1,8832,3402,6563,1713,8606,69510,10816,48126,01435,49753,77771,85930,830
Other Liabilities44481351641773445071,0131,5782,0072,6734,45643,060
Trade Payables0.330.040.374.323.166.621.6156.6675.2493.56123.66132.16112.55
Total Liabilities2,0962,6033,0653,6714,4367,65711,54919,07229,73843,08163,01883,75081,898
Fixed Assets222251426405858255233238
Gross Block6.796.315.793.595.7516.130.7952.285.55104.3278.23286.59
Accumulated Depreciation4.34.093.611.811.141.954.9712.6227.4445.923.5753.17
CWIP0000143184210511
Investments1363674303113787776451,5861,6223,2802,4134,4571,898
Other Assets1,9582,2342,6333,3584,0536,86310,87517,42928,05339,74160,34079,05479,750
Trade receivables00000000000.3326.743.21
Cash Equivalents20.3820.876.9367.1711.42128.04138.42293.14248.54151.472816.934026.084319.11
Loans n Advances30.8638.12149.77391.96258.311311.992030.212627.881993.112867.39335.23662.9974343.94
Other Assets etc1906.492174.872476.492899.273783.095422.68706.0114507.825811.5736722.2257187.974338.411084.04
Total Assets2,0962,6033,0653,6714,4367,65711,54919,07229,73843,08163,01883,75081,898

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity-351-228-580-728-2,901-3,627-6,791-9,664-12,406-15,664-16,626
Profit from operations55.7271.1106.03112.15142.25213.02341.06601.46925.541524.322157.74
Working Capital Changes-384.1-272.44-652.92-808.13-3005.97-3791.41-7039.97-10100.49-13060.08-16714.67-18285.98
Taxes paid-22.34-27.07-32.84-32.29-37.11-48.76-92.07-165.44-271.93-473.44-497.5
Cash from Investing Activity-39-221124-3-14-15-37-20-17-50-53
Fixed Assets Purchased-0.42-0.23-0.42-2.85-13.73-14.77-37.48-19.71-16.94-41.92-57.95
Fixed Assets Sold0.030.030.510.070.10.10.140.070.060.070.18
Capital WIP000000000-7.664.52
Investments purchased-290.35-346.9-342.8900000000
Investments sold241.33116.03461.8100000000
Cash from Financing Activity4064505167152,9653,6046,8509,80412,32218,46417,888
Proceeds from Shares00000204496300300031.9229.83
Proceeds from Borrowings40.52304.47903.99904.082985.223235.087717.8203100.085371.3624338.5
Repayment of Borrowings-60.210-494.56-568.99-696.24-1172.78-2359.720000
Dividends Paid00-7-7.67-7.67-12.01-17.6-29.01-48.61-120.3-181.7
Net Cash Flow17060-1651-3822120-1012,7511,209

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %27%28%27%23%21%18%17%15%18%14%14%15%

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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.