PNB Housing Finance Limited

BSE

PNBHOUSING

Stock

Yield per half year: +17.26%
Dividend yield: 0%
Sector: Financials

Reporting PNB Housing Finance Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹									152.83
Выручка, млрд ₹			24.62	26.06	25.13	21.25	25.41	27.84	27.84	25.14	1.33
Чистая прибыль, млрд ₹	5.24	8.41	11.92	6.46	9.3	8.36	10.46	15.08	15.08	9.93	18.48
EV, млрд ₹			682.81	457.88	419.23	367.31	421.29	512.72	512.72	435.69	2.29
Баланс стоимость, млрд ₹			75.44	79.98	89.23	98.72	110.14	149.74	149.74	105.56	13.36
FCF, млрд ₹			-166.76	88.65	67.84	62.41	-18.8	-47.01	-47.01	30.62	-188.09
Операционный денежный поток, млрд ₹	-124.06	-156.64	-166.17	89.29	66.11	62.56	-18.65	-46.62	-46.62	30.54	-187.81
CAPEX, млрд ₹	0.1694	0.4976	0.5867	0.6375	0.0772	0.1397	0.1485	0.3929	0.3929	0.2792	-9.23

	2021Q3	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ₹			7.19	7.98	6.26	6.57	7.2	6.65	7.42	7.32	7.58	7.82	7.36	3.29
Чистая прибыль, млрд ₹			2.63	2.69	2.79	3.47	3.83	3.38	4.39	4.33	4.7	4.83	4.33	7.40
EV, млрд ₹	431.34	367.31	376.11		421.29		493.35		512.72		627.16		486.13	10.77
Баланс стоимость, млрд ₹	94.17	98.72	104.38		110.14		142.1		149.74		158.68		133.01	8.74

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			40.53	85.33	69.85	52.33	37.96	26.07	26.07	54.31	-21.11
Long term investments ₹			45.61	22.01	20.45	37.25	46.11			34.29	0.22
Total Receivables ₹	388.07	574.4	748.32	673.78	616.02	560.52				634.61	-0.49
Total Current Assets ₹	393.41	617	823.14	764.33	688.32	629.39				704.44	0.40
Чистые активы, млрд ₹	0.498	0.6664	0.8215	2.26	1.6	1.32				1.33	14.65
Активы, млрд ₹			838.69	789.3	713.92	657.3	668.74	724.05	724.05	710.66	-1.71
Задолженность, млрд ₹			763.25	709.32	624.69	558.58	558.6	574.3	574.3	605.10	-4.14
Чистый долг, млрд ₹			537.83	430.7	356.61	301.23	326.11	346.51	346.51	352.23	-4.26
Долг, млрд ₹									364.82
Interest income ₹			67.93	76.88	71.9	58.22	61.99			67.38	-1.81
Расходы на обслуживание долга ₹			51.66	58.75	51	40.56	38.88	42.51	42.51	46.34	-6.27
Чист. проц. доходы, млрд ₹			16.26	18.13	20.9	17.66	23.11	67.42	61.99	29.44	30.04

	2019Q3	2020Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹			56.93		52.33		32.46		37.96		45.52		26.07		21.75		32.75	-7.70
Long term investments ₹			30.33		37.25		47.37		46.11		55.13						43.24	12.69
Total Receivables ₹	744.4	673.78					556.93										658.37	-9.22
Total Current Assets ₹	789.74	764.36					598.31										717.47	-8.84
Чистые активы, млрд ₹	0.8917	2.26					1.34										1.50	14.54
Активы, млрд ₹			670.7		657.3		644.65		668.74		703.13		724.05		751.78		698.47	3.12
Задолженность, млрд ₹			576.53		558.58		540.27		558.6		561.03		574.3		593.1		565.46	1.88
Чистый долг, млрд ₹			324.89		301.23		311.85		326.11		321.94		346.51		371.94		335.67	3.59
Interest income ₹			15	14.11	12.99	12.99	15.98	17.14	15.89	16.67	17.03	16.8					16.71	-0.40
Расходы на обслуживание долга ₹							9.64	9.96	10.08	10.48	10.57	10.87	10.59	10.97	11.19	11.58	11.04	1.27
Чист. проц. доходы, млрд ₹					3.69	3.68	6.34	7.17	5.81	6.19	6.46	5.93	16.93	17.39			10.58	22.95

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	25.37	46.98	58.54	31.72	45.77	49.61	51.31	58.06		58.06	47.29	12.85
Цена акции ао	1339.6	923.8	434.6	364.4	495	533.55	780.9	877.65	1055.6	1055.6	748.54	16.35
Число акций ао, млн			167.47	168.19	168.27	168.6	203.87	259.72		259.72	193.73	9.08
FCF/акцию			-995.75	527.08	403.16	370.17	-92.21	-180.99		-180.99	205.44	-180.75

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	8.3	11.53	12.87	13.2	13.7	13.63	14.75	13	16.91	18.08			15.27	5.81
Цена акции ао	431.24	355.81	363.78	439.52	553.74	498.95	645.53	762.52			851.9	1055.6	762.90	16.17

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	15.79	8.08	10.42	8.9	10.02	11.61		11.61	13.90	9.81	7.52
ROA, %	1.42	0.8188	1.3	1.22	1.58	2.17		2.17	2.81	1.42	21.52
ROS, %	48.39	24.8	37.01	39.36	41.16	54.17	54.17	54.17	59.46	45.17	7.92
ROCE, %							0	0	2.58
Ebit margin, %							0	0	4.24
Рентаб EBITDA, %							0	0	10.96
Чистая рентаб, %	48.39	24.8	37.01	39.36	41.16	54.17		54.17	59.46	39.30	16.91
Operation Margin, %					0	0	0	0	14.46

	2021Q3	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	2025Q3	Industry average	5 quarters average	CAGR 5
ROE, %	2.5	1.72	2.52		3.31		6.07		4.84		3.8				13.90	4.11	8.56
ROA, %	0.3507	0.2579	0.4074		0.8352		1.09		0.6155		0.6365				2.81	0.7169	9.33
ROS, %					44.65	52.88	53.22	50.89	59.17	59.11	61.97	61.79	54.17	54.17	59.46	58.24	-1.73
Чистая рентаб, %			36.53	33.73	44.65	52.88	53.22	50.89	59.17	59.11	61.97	61.79			59.46	58.59	3.96

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	12.17	4.21	6.73	7.9	9.1	11.02		11.02	29.44	7.79	21.22
P/BV	1.92	0.3398	0.7018	0.6694	0.8642	1.11		1.11	3.11	0.7370	26.71
P/S	5.89	1.04	2.49	3.11	3.75	5.97		5.97	12.17	3.27	41.84
P/FCF					-8.13	-3.25	-3.25	-3.25	5.03	-4.8767	-26.33
E/P					0.0684	0.0987	0.0987	0.0987	0.10	0.0886	13.00
EV/EBIT						0	0	0	6.79
EV/S		17.57	16.68	17.28	16.58	18.42	18.42	18.42	8.39	17.48	2.00
EV/FCF		5.17	6.18	5.89	-22.41	-10.91	-10.91	-10.91	-4.06	-6.4320	-212.04
Debt/EBITDA					0	0	0	0	1.02
Netdebt/Ebitda					0	0	0	0	0.86
Debt/Ratio					0.5455	0.5039	0.5039	0.5039	0.24	0.5178	-2.61
Debt/Equity					0	0	3.84	3.84	7.48	3.84	0.00
Debt/Net Income					34.88	24.19	24.19	24.19	12.45	27.75	-11.48
PEG							0.582	0.582	15.80	0.5820	0.00
Бета					1.68	0.8332	4.18	4.18	2.08	2.23	35.51
Индекс Альтмана					0.3353	0.3209	0.3209	0.3209	1.07	0.3257	-1.45

	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	2025Q2	2025Q3	Industry average	5 quarters average	CAGR 5
P/E	45.26	16.33	9.63	15.95	23.21	14.11	19.75				29.44	16.53	15.45
P/BV	1.13	0.6694	0.6157	0.8642	1.21	1.11	1.61				3.11	1.08	21.20
P/S	19.32	6.35	3.65	6.37	11.31	7.36	11.49				12.17	8.04	25.78
P/FCF									-3.25	-3.25	5.03	-3.2500	0.00
E/P									0.0987	0.0987	0.10	0.0987	0.00
EV/S					68.56	69.07	82.74		18.42	18.42	8.39	51.44	-23.11
EV/FCF									-10.91	-10.91	-4.06	-10.9100	0.00
Debt/Ratio									0.5039	0.5039	0.24	0.5039	0.00
Debt/Equity									3.84	3.84	7.48	3.84	0.00
Debt/Net Income									24.19	24.19	12.45	24.19	0.00
PEG									0.582	0.582	15.80	0.5820	0.00
Бета								1.3	2.73	4.18	2.08	2.74	47.60
Индекс Альтмана								0.3209	0.3209	0.3209	1.07	0.3209	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.4039	0.9995	1.51	1.51			1.11	39.05
Дивиденд	6	9	9		0		8.00	14.47
Див доход, ао, %	0.4513	0.7739	1.24		0	1.58	0.8217	40.06
Дивиденды / прибыль, %	7.71	11.88	12.65	23.41	0	17.85	13.91	32.00

	2017Q3	2018Q3	2019Q3	Industry average	5 quarters average	CAGR 5
Дивиденд	6	9	9		8.00	14.47
Див доход, ао, %	0.3875	0.7179	1.3	1.58	0.8018	49.70

	Industry average	5 quarters average	CAGR 5

Pay for your subscription

More functionality and data for company and portfolio analysis is available by subscription

Subscribe

Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	2.45	0.3072	0.6574	0.5844	1.41	1.41	-10.46
Персонал, чел				1 690	1 690		0.00

	CAGR 5

	CAGR 5