PNB Housing Finance Stock Price Analysis and Quick Research Report. Is PNB Housing Finance an attractive stock to invest in?

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse PNB Housing Finance. 

Key Financials -

• Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of PNB Housing Finance is Rs 1948.95 Cr. and the compounded growth of profit in the past 3 years is 33.3488065374345%. The PAT margin of PNB Housing Finance is 25.534%.
• EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In PNB Housing Finance , the EPS grew by 27.4943% YOY. 

 Financial Ratios -

• Return on Equity (ROE): PNB Housing Finance has a average ROE track record. The ROE of PNB Housing Finance is at 12.3084% for the latest year.
• P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of PNB Housing Finance is worth at the current levels at Rs 799.85. PNB Housing Finance is trading at a current P/E ratio of 11.7598 and the average historical P/E for the last 5 years was 9.04138668989199.
• P/B ratio can be one of the best metrics to value such companies. Currently, PNB Housing Finance is trading at a P/B of 1.20313366794744. The average historical P/B for the last 5 years was 0.92544022574765. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of PNB Housing Finance in Ticker for free. Also, one can get the intrinsic value of PNB Housing Finance by using Valuation Calculators, which are available with a Finology ONE subscription. 

PNB Housing Finance FAQs

Q1. What is PNB Housing Finance share price today?
Ans: The current share price of PNB Housing Finance is Rs 799.85.

Q2. What is the market capitalisation of PNB Housing Finance?
Ans: PNB Housing Finance has a market capitalisation of Rs 20832.27577577 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of PNB Housing Finance?
Ans: The PE ratio of PNB Housing Finance is 10.2020512519627 and the P/B ratio of PNB Housing Finance is 1.20313366794744, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of PNB Housing Finance share?
Ans: The 52-week high share price of PNB Housing Finance is Rs 1202.2, and the 52-week low share price of PNB Housing Finance is Rs 746.7.

Q5. Does PNB Housing Finance pay dividends?
Ans: Currently, PNB Housing Finance pays dividends. Dividend yield of PNB Housing Finance is around 0.625%.

Q6. What are the face value and book value of PNB Housing Finance shares?
Ans: The face value of PNB Housing Finance shares is Rs 10, while the book value per share of PNB Housing Finance is around Rs 664.8056. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of PNB Housing Finance?
Ans: The ROE of PNB Housing Finance is 12.3084% and ROCE of PNB Housing Finance is 9.4556%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is PNB Housing Finance a good buy for the long term?
Ans: The PNB Housing Finance long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is PNB Housing Finance undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the PNB Housing Finance appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check PNB Housing Finance’s financials?
Ans: You can review PNB Housing Finance’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.