
The PNB Home Finance share price has shown a steady upward trend over the past year, with a growth rate of 15% in the last 52 weeks.
PNB Home Finance's financials have been on the rise, with a net profit of ₹1,234 crore in the fiscal year 2020-21.
The company's asset quality has also improved, with a gross non-performing asset (NPA) ratio of 2.15% as of March 2021.
PNB Home Finance has been actively expanding its presence in the home loan market, with a disbursement of ₹10,000 crore in the fiscal year 2020-21.
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Financials
The financials of PNB Housing Finance are quite impressive. The company's book value per share has increased from ₹585.51 in March 2022 to ₹652.24 in March 2023, a growth of 11.5%.
The return on equity (ROE) has also shown a significant improvement, rising from 8.90% in March 2022 to 10.02% in March 2023. This indicates that the company is generating more profits from its equity.
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PNB Housing Finance has a total debt to total equity ratio of 5.10, which is slightly lower than the 5.98 seen in March 2022. This suggests that the company is managing its debt levels effectively.
The EBITDA margin has been consistently high, standing at 81.36% in March 2023. This is a testament to the company's efficient operations and ability to maintain its profitability.
Here's a breakdown of the company's financial performance:
The company's net income has grown significantly, with a net income of ₹1366.81 in March 2023. The cash from operations has also been strong, standing at ₹2506.02.
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Investor Insights
As we dive into the world of PNB Home Finance, it's essential to understand the company's financial performance. PNB Home Finance has a medium financial performance with average price momentum and valuation.
The company's strengths lie in its profit-making abilities, with a high Return on Capital Employed (ROCE) and a low Price-to-Earnings (PE) ratio. This indicates that the company is generating strong profits and is reasonably valued.
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Let's take a look at the company's financial metrics over time:
Note: These figures are based on the company's performance over the past 1, 3, 6, 12 months, and 5 years, as well as its maximum historical values.
The company's weaknesses include growing costs year-over-year for long-term projects, which could impact its profitability in the future.
One opportunity for the company is the upgrade in broker recommendations or target prices in the past three months, indicating potential growth prospects.
On the other hand, there are no major threats to the company's stock performance at this time.
Company Information
PNB Housing has a history of holding board meetings to discuss quarterly results, with meetings scheduled for Jan 21, 2025, Oct 24, 2024, and Sep 09, 2024.
These meetings were announced in advance, with the Jan 21, 2025 meeting announced on Jan 14, 2025, and the Oct 24, 2024 meeting announced on Oct 16, 2024.
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The company has also held Annual General Meetings (AGMs) in the past, with the most recent one scheduled for Aug 12, 2024, announced on Jul 18, 2024.
Here's a list of some of the notable corporate actions taken by PNB Housing:
Company Profile
Our company has a rich history dating back to 1995 when it was founded by a group of entrepreneurs with a passion for innovative technology.
The company's first product was a groundbreaking software that revolutionized the way businesses manage their customer relationships.
Headquartered in San Francisco, our company has grown to become a global leader in the industry with offices in over 10 countries.
With a team of over 500 employees, we pride ourselves on our collaborative and inclusive work environment.
Our company's mission is to empower businesses to succeed through cutting-edge technology and exceptional customer service.
We take pride in our commitment to social responsibility and have implemented various initiatives to reduce our carbon footprint and support local communities.
Corporate Actions
PNB Housing Finance has a history of holding various corporate actions, including Board Meetings, AGM, Dividends, Bonus, Split, and Rights issues.
The company has scheduled several Board Meetings, with the most recent one being on October 24, 2024, to discuss Quarterly Results. Another meeting was held on September 9, 2024, for "Others" purposes.
PNB Housing Finance has also conducted Annual General Meetings (AGM) in the past, with the most recent one announced on July 18, 2024. The AGM was held on August 12, 2024.
The company has issued rights to its shareholders, with the most recent issue announced on March 9, 2022. The rights ratio was 29:54, and the price was Rs 275.0 per share.
Here's a list of some of the corporate actions taken by PNB Housing Finance:
PNB Housing Finance has also declared dividends in the past, with the most recent one being 90% of the face value in July 2019. The dividend was announced on May 9, 2019.
Analysis and Recommendations
The PNB Housing Finance stock has had its ups and downs over the past year. The stock price has increased by 13.77% over the past year.
Looking at the short-term performance, the stock has had a rough week, declining by 3.68%. This is a significant drop, but it's essential to consider the bigger picture.
The stock has been steadily increasing over the past six months, with a gain of 11.38%. This suggests that the company is doing well, but it's crucial to keep an eye on the current market trends.
Here's a breakdown of the ratings and their consistency over the past few months:
Based on the ratings, it's clear that the majority of analysts are bullish on the stock, with 5 out of 10 analysts recommending a Strong Buy.
Technical Analysis
PNB Housing has had bullish signals on its daily chart, with the 5 Day EMA crossover appearing on 5 Feb 2025 and the 10 Day EMA crossover appearing on 5 Feb 2025. The 5 Day EMA crossover has a 5D EMA of 883.17, while the 10 Day EMA crossover has a 10D EMA of 878.26.
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These technical indicators have produced some impressive results in the past. For example, the 5 Day EMA crossover has resulted in an average price gain of 4.68% within 7 days of the bullish signal in the last 5 years. Similarly, the 10 Day EMA crossover has resulted in an average price gain of 4.40% within 7 days of the bullish signal in the last 5 years.
Here are some key statistics for PNB Housing's intraday and weekly performance:
Technical Housing
Technical Housing analysis is a crucial aspect of technical analysis, and it's essential to understand the various indicators and signals that can help you make informed investment decisions.
PNB Housing Finance has shown a bullish signal on its daily chart, with a 5D EMA crossover appearing on February 5, 2025.
The stock's 5-day EMA is 883.17, and its 7-day gain/loss percentage has averaged 4.68% in the last 5 years.
Intraday data shows that PNB Housing Finance has had a 43% positive movement since January 1, 2005, excluding the global meltdown and Covid crisis periods.
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Here's a breakdown of the stock's pivot levels and ATR:
The stock's ATR has been 35.84, 39.68, and 39.57 for the past 5, 14, and 28 days, respectively.
PNB Housing Finance has had a false signal on January 31, 2025, but its 7-day gain/loss percentage has averaged 4.49% in the last 5 years, according to the 14-day EMA crossover.
Pattern
In February, PNB Housing Finance has given negative returns in 5 out of 9 years, with the maximum negative change being -17.46% in 2020.
The average negative change in February is -8.64%, which is lower than the maximum negative change. This indicates that the stock has historically been more volatile in February than other months.
PNB Housing Finance's share price has traded at 914.75, with a quantity of 140,024 shares traded and a percentage traded of 0.05.
The shareholding pattern of PNB Housing Finance shows that the promoters hold 28.11% of the shares, with no pledge shares.
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The FII (Foreign Institutional Investor) holds 24.34% of the shares, with a quarterly change of 3.92%. The DII (Domestic Institutional Investor) holds 26.85% of the shares, with a quarterly change of 4.69%.
The MF (Mutual Fund) ownership as on 31 December 2024 shows the following:
Comparison and Seasonality
In February, PNB Housing Finance has a history of delivering mixed results, with 5 out of 9 years showing negative returns.
The data shows that February's highest positive change was 31.28% in 2021, while the average positive change was 15.23%. On the other hand, the maximum negative change was -17.46% in 2020, with an average negative change of -8.64%. This suggests that February is a month of moderate volatility for the company's stock.
The average change in February was a relatively small 1.97%.
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Peer Comparison
Peer Comparison is a valuable tool for investors to gauge a company's performance relative to its peers. PNB Housing's stock performance over the past year has been impressive, with a 12.45% gain.
The company's peers, however, have fared differently. HUDCO's stock has seen a 2.11% gain over the past year, while LIC Housing has experienced a loss of 11.15%. Aadhar Housing Fin's stock has remained stagnant, with a 0% gain over the past year.
Here's a breakdown of the key ratios for these companies:
These ratios provide a glimpse into the companies' profitability, efficiency, and growth prospects. PNB Housing's high ROCE and ROE ratios suggest strong profitability, while HUDCO's low ROCE ratio indicates lower profitability.
Seasonality Analysis
Seasonality Analysis is a crucial aspect of understanding the performance of PNB Housing Finance. In February, the company has given negative returns in 5 out of 9 years.
The data shows that February has its own unique characteristics. The Max. Positive Change was 31.28% in 2021, while the Max. Negative Change was -17.46% in 2020.
Looking at the averages, the Avg. Positive Change is 15.23%, and the Avg. Negative Change is -8.64%. This indicates that February is a month where the stock's performance can be quite volatile.
The overall Average Change in February is 1.97%. This means that on average, the stock's price has changed by 1.97% in February over the past 9 years.
Here's a quick summary of the key statistics for February:
Frequently Asked Questions
Is it safe to invest in PNB Housing?
Yes, PNB Housing is considered one of the safest financial institutions for investments, having received the FAA+ rating by CRISIL. This rating indicates a high level of security and low risk factor for Fixed Deposits.
Is PNB Housing Finance overvalued?
No, PNB Housing Finance is actually undervalued by 44% according to the Base Case scenario, with an intrinsic value of 1,532.04 INR.
What is the share price target for PNB Housing in 2030?
The projected share price target for PNB Housing in 2030 is ₹5,708.74. This target suggests significant growth potential for the company's stock.
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