PNB Housing Finance Ltd
NSE :PNBHOUSING BSE :540173 Sector : FinanceBuy, Sell or Hold PNBHOUSING? Ask The Analyst
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22 Nov 854.60 (-1.32%) | 21 Nov 866.05 (0.10%) | 19 Nov 865.15 (-0.69%) | 18 Nov 871.15 (-3.63%) | 14 Nov 904.00 (-2.23%) | 13 Nov 924.65 (-5.95%) | 12 Nov 983.15 (1.69%) | 11 Nov 966.85 (2.07%) | 08 Nov 947.20 (-2.38%) | 07 Nov 970.30 (-2.90%) | 06 Nov 999.25 (1.37%) | 05 Nov 985.70 (3.64%) | 04 Nov 951.10 (-1.76%) | 01 Nov 968.15 (0.11%) | 31 Oct 967.05 (4.77%) | 30 Oct 923.00 (0.17%) | 29 Oct 921.40 (1.97%) | 28 Oct 903.60 (-4.66%) | 25 Oct 947.75 (1.42%) | 24 Oct 934.45 (-1.39%) | 23 Oct 947.65 (8.38%) |
Price Chart Historical Data Technical Chart
Technical Analysis
Short Term Investors
Very Bearish
Medium Term Investors
Very Bearish
Long Term Investors
Bullish
Moving Averages
5 DMA
Bearish
871.09
10 DMA
Bearish
915.03
20 DMA
Bearish
932.39
50 DMA
Bearish
966.26
100 DMA
Bearish
907.43
200 DMA
Bullish
826.48
Intraday Support and Resistance
(Based on Pivot Points) |
Updated On Nov 22, 2024 04:00 PM For Next Trading Session
Pivots | Classic | Fibonacci | Camarilla | Woodie | DM |
---|---|---|---|---|---|
R3 | 915.65 | 893.4 | 866.05 | - | - |
R2 | 893.4 | 877.49 | 862.24 | 894.11 | - |
R1 | 874 | 867.66 | 858.42 | 875.42 | 883.7 |
P | 851.75 | 851.75 | 851.75 | 852.46 | 856.6 |
S1 | 832.35 | 835.84 | 850.78 | 833.77 | 842.05 |
S2 | 810.1 | 826.01 | 846.96 | 810.81 | - |
S3 | 790.7 | 810.1 | 843.15 | - | - |
Key Metrics
EPS
65.45
P/E
13.03
P/B
1.4
Dividend Yield
0%
Market Cap
22,206 Cr.
Face Value
10
Book Value
609.36
ROE
11.61%
EBITDA Growth
1,736.08 Cr.
Debt/Equity
4.18
Shareholding History
Quarterly Result (Figures in Rs. Crores)
PNB Housing Finance Ltd Quaterly Results
Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | |
INCOME | 1779.4 | 1756 | 1813.97 | 1832.08 | 1879.66 |
PROFIT | 383 | 338.44 | 439.25 | 432.81 | 469.68 |
EPS | 14.76 | 13.04 | 16.91 | 16.66 | 18.08 |
PNB Housing Finance Ltd Quaterly Results
Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | |
INCOME | 1767.81 | 1751.47 | 1805.74 | 1822.01 | 1869.06 |
PROFIT | 384.4 | 346.54 | 443.8 | 438.71 | 471.7 |
EPS | 14.81 | 13.35 | 17.09 | 16.89 | 18.16 |
Profit & Loss (Figures in Rs. Crores)
PNB Housing Finance Ltd Profit & Loss
Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | ||
INCOME | 5489.34 | 7683.22 | 8489.55 | 7624.08 | 6200.73 | 6529.66 | 7057.09 | |
PROFIT | 841.26 | 1191.6 | 646.56 | 932.34 | 836.63 | 1046.15 | 1508.2 | |
EPS | 41.8 | 58.91 | 31.81 | 45.75 | 41.07 | 51.28 | 58.06 |
PNB Housing Finance Ltd Profit & Loss
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | ||
INCOME | 1780.38 | 2698.67 | 3907.85 | 5488.69 | 7484.6 | 8485.92 | 7583.98 | 6145.92 | 6492.39 | 7023.98 | |
PROFIT | 194.21 | 326.55 | 523.73 | 842.25 | 1081.46 | 682.65 | 927.65 | 822.07 | 1056.42 | 1527.61 | |
EPS | 18.69 | 25.72 | 26.18 | 41.85 | 53.46 | 33.59 | 45.52 | 40.36 | 51.79 | 58.81 |
Balance Sheet (Figures in Rs. Crores)
Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | |
SOURCES OF FUNDS : | |||||||
Share Capital | 259.72 | 168.86 | 168.6 | 168.27 | 168.19 | 167.47 | 166.59 |
Reserves Total | 14,714.72 | 10,844.8 | 9,703.03 | 8,754.76 | 7,829.58 | 7,376.43 | 6,400.75 |
Equity Application Money | 0 | 0.2 | 0 | 0 | 0 | 0 | 0 |
Total Shareholders Funds | 14,974.44 | 11,013.86 | 9,871.63 | 8,923.03 | 7,997.77 | 7,543.9 | 6,567.34 |
Secured Loans | 31,439.18 | 33,068.79 | 32,617.81 | 40,102.84 | 49,758.52 | 48,544.12 | 30,827.8 |
Unsecured Loans | 23,577.41 | 20,552.59 | 20,343.32 | 19,289.6 | 17,976.58 | 23,314.73 | 22,948.9 |
Total Loan Funds | 55,016.59 | 53,621.38 | 52,961.13 | 59,392.44 | 67,735.1 | 71,858.85 | 53,776.7 |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 1,639.08 |
Total Liabilities | 69,991.03 | 64,635.24 | 62,832.76 | 68,315.47 | 75,732.87 | 79,402.75 | 61,983.12 |
APPLICATION OF FUNDS : | |||||||
Loan / Non-Current Assets | 64,108.24 | 57,839.79 | 55,335.94 | 60,644.72 | 66,628.02 | 74,287.88 | 57,164.8 |
Gross Block | 441 | 401.63 | 363.41 | 341.92 | 365.88 | 156.38 | 99.71 |
Less: Accumulated Depreciation | 234.22 | 255.32 | 213.01 | 160.65 | 114.8 | 53.27 | 23.59 |
Net Block | 206.78 | 146.31 | 150.4 | 181.27 | 251.08 | 103.11 | 76.12 |
Capital Work in Progress | 15.25 | 3.16 | 3.54 | 2.38 | 4.06 | 5.17 | 9.69 |
Investments | 4,346.01 | 3,196.29 | 3,482.7 | 2,044.82 | 2,075.74 | 4,560.67 | 2,412.95 |
Sundry Debtors | 51.45 | 12.86 | 42.76 | 44.94 | 44.9 | 38.88 | 0.33 |
Cash and Bank Balance | 2,606.93 | 3,796.2 | 5,216.09 | 6,968.63 | 8,514.39 | 4,034.07 | 2,816.98 |
Loans and Advances | 942.5 | 1,733.42 | 1,099.28 | 1,075.81 | 1,125.6 | 778.22 | 289.28 |
Total Current Assets | 3,600.88 | 5,542.48 | 6,358.13 | 8,089.38 | 9,684.89 | 4,851.17 | 3,106.59 |
Current Liabilities | 2,393.59 | 2,220.74 | 2,879.52 | 2,995.41 | 3,177.92 | 4,440.98 | 1,012.61 |
Provisions | 20.23 | 17.72 | 17.33 | 81.32 | 18.94 | 25.26 | 18.74 |
Total Current Liabilities & Provisions | 2,413.82 | 2,238.46 | 2,896.85 | 3,076.73 | 3,196.86 | 4,466.24 | 1,031.35 |
Net Current Assets | 1,187.06 | 3,304.02 | 3,461.28 | 5,012.65 | 6,488.03 | 384.93 | 2,075.24 |
Deferred Tax Assets | 374.93 | 418.88 | 398.9 | 429.63 | 285.94 | 60.99 | 45.46 |
Deferred Tax Liability | 247.24 | 273.21 | 0 | 0 | 0 | 0 | 0 |
Net Deferred Tax | 127.69 | 145.67 | 398.9 | 429.63 | 285.94 | 60.99 | 45.46 |
Other Assets | 0 | 0 | 0 | 0 | 0 | 0 | 198.86 |
Total Assets | 69,991.03 | 64,635.24 | 62,832.76 | 68,315.47 | 75,732.87 | 79,402.75 | 61,983.12 |
Contingent Liabilities | 110.94 | 87.76 | 23.12 | 12.37 | 77.19 | 101.75 | 41.55 |
Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | |
SOURCES OF FUNDS : | ||||||||||
Share Capital | 259.72 | 168.86 | 168.6 | 168.27 | 168.19 | 167.47 | 166.59 | 165.64 | 126.92 | 103.85 |
Reserves Total | 14,672.65 | 10,783.51 | 9,631.94 | 8,698.91 | 7,778.97 | 7,267.54 | 6,401.76 | 5,411.67 | 2,018.98 | 1,474.88 |
Total Shareholders Funds | 14,932.37 | 10,952.57 | 9,800.54 | 8,867.18 | 7,947.16 | 7,435.01 | 6,568.35 | 5,577.31 | 2,145.9 | 1,578.73 |
Secured Loans | 31,439.18 | 33,068.79 | 32,617.81 | 40,102.84 | 49,758.52 | 62,567.16 | 30,827.8 | 19,900.78 | 13,402.72 | 9,754.15 |
Unsecured Loans | 23,577.36 | 20,552.31 | 20,343.31 | 19,290.98 | 17,977.32 | 9,291.69 | 22,948.9 | 15,596.36 | 12,610.96 | 6,726.61 |
Total Loan Funds | 55,016.54 | 53,621.1 | 52,961.12 | 59,393.82 | 67,735.84 | 71,858.85 | 53,776.7 | 35,497.14 | 26,013.68 | 16,480.76 |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 1,638.88 | 346.35 | 261.72 | 344.32 |
Total Liabilities | 69,948.91 | 64,573.67 | 62,761.66 | 68,261 | 75,683 | 79,293.86 | 61,983.93 | 41,420.8 | 28,421.3 | 18,403.81 |
APPLICATION OF FUNDS : | ||||||||||
Loan / Non-Current Assets | 64,204.76 | 57,908.53 | 55,380.74 | 60,687.37 | 66,668.68 | 74,327.47 | 57,167.27 | 36,443.79 | 25,623.56 | 14,382.17 |
Gross Block | 439.48 | 400.19 | 362.25 | 340.76 | 364.74 | 155.48 | 278.23 | 104.3 | 85.55 | 52.2 |
Less: Accumulated Depreciation | 233.04 | 254.34 | 212.26 | 160.11 | 114.49 | 53.17 | 23.57 | 45.9 | 27.44 | 12.62 |
Net Block | 206.44 | 145.85 | 149.99 | 180.65 | 250.25 | 102.31 | 254.66 | 58.4 | 58.11 | 39.58 |
Capital Work in Progress | 15.25 | 3.16 | 3.54 | 2.38 | 4.06 | 5.17 | 9.69 | 2.03 | 4.05 | 18.1 |
Investments | 4,345.26 | 3,188.02 | 3,472.02 | 2,032.92 | 2,048.32 | 4,457.43 | 2,413.15 | 3,279.56 | 1,622.27 | 1,585.98 |
Sundry Debtors | 52.07 | 0 | 38.98 | 15.03 | 5.84 | 26.74 | 0.33 | 0 | 0 | 0 |
Cash and Bank Balance | 2,498.63 | 3,692.57 | 5,114.84 | 6,906.5 | 8,512.53 | 4,026.08 | 2,816.93 | 151.47 | 248.54 | 293.14 |
Loans and Advances | 921.31 | 1,721.28 | 1,090.39 | 1,078.19 | 1,109.05 | 753.83 | 289.63 | 2,745.87 | 1,926.41 | 2,590.64 |
Total Current Assets | 3,472.01 | 5,413.85 | 6,244.21 | 7,999.72 | 9,627.42 | 4,806.65 | 3,106.89 | 2,897.34 | 2,174.95 | 2,883.78 |
Current Liabilities | 2,402.52 | 2,213.9 | 2,870.52 | 2,987.96 | 3,172.75 | 4,432.65 | 1,015.27 | 1,463.85 | 1,148.06 | 572.64 |
Provisions | 19.78 | 17.39 | 17.12 | 83.56 | 18.43 | 23.73 | 18.69 | 28.04 | 71.12 | 52.57 |
Total Current Liabilities & Provisions | 2,422.3 | 2,231.29 | 2,887.64 | 3,071.52 | 3,191.18 | 4,456.38 | 1,033.96 | 1,491.89 | 1,219.18 | 625.21 |
Net Current Assets | 1,049.71 | 3,182.56 | 3,356.57 | 4,928.2 | 6,436.24 | 350.27 | 2,072.93 | 1,405.45 | 955.77 | 2,258.57 |
Deferred Tax Assets | 374.66 | 418.76 | 398.8 | 429.48 | 275.45 | 51.21 | 45.6 | 121.52 | 66.7 | 37.24 |
Deferred Tax Liability | 247.17 | 273.21 | 0 | 0 | 0 | 0 | 0 | 168.38 | 97.17 | 43.46 |
Net Deferred Tax | 127.49 | 145.55 | 398.8 | 429.48 | 275.45 | 51.21 | 45.6 | -46.86 | -30.47 | -6.22 |
Other Assets | 0 | 0 | 0 | 0 | 0 | 0 | 20.63 | 278.43 | 188.01 | 125.63 |
Total Assets | 69,948.91 | 64,573.67 | 62,761.66 | 68,261 | 75,683 | 79,293.86 | 61,983.93 | 41,420.8 | 28,421.3 | 18,403.81 |
Contingent Liabilities | 79.87 | 56.69 | 21.28 | 12.37 | 77.19 | 101.75 | 36.37 | 35.33 | 18.37 | 4.47 |
Cash Flow (Figures in Rs. Crores)
Net Profit before Tax and Extr... | 1,953.9 |
Depreciation | 51.19 |
Interest (Net) | 4,243.57 |
P/L on Sales of Assets | 0.25 |
Prov. and W/O (Net) | 171.12 |
Fin. Lease and Rental Charges | 6.46 |
Total Adjustments (PBT and Ext... | 4,658.5 |
Operating Profit before Workin... | 6,612.4 |
Trade and 0ther Receivables | -38.75 |
Trade Payables | -10.51 |
Loans and Advances | -6,392.35 |
Total Adjustments (OP before W... | -6,735.13 |
Cash Generated from/(used in) ... | -122.73 |
Interest Paid(Net) | -4,181.12 |
Direct Taxes Paid | -357.66 |
Total Adjustments(Cash Generat... | -4,538.78 |
Cash Flow before Extraordinary... | -4,661.51 |
Net Cash from Operating Activi... | -4,661.51 |
Purchased of Fixed Assets | -39.29 |
Sale of Fixed Assets | 0.28 |
Purchase of Investments | -1,147.07 |
Net Cash used in Investing Act... | -1,186.08 |
Proceeds from Issue of shares ... | 2,468.44 |
Proceed from Issue of Debentur... | 1,451 |
Proceed from Bank Borrowings | 21,885.45 |
Proceed from Short Tem Borrowi... | 10,054.7 |
Proceed from Deposits | 545.01 |
On Redemption of Debenture | -1,399 |
Of the Long Tem Borrowings | -24,043.72 |
Of the Short Term Borrowings | -6,750 |
Of Financial Liabilities | -33.25 |
Net Cash used in Financing Act... | 4,178.63 |
Net Profit before Tax and Extr... | 1,971.68 |
Depreciation | 50.98 |
Interest (Net) | 4,217.3 |
P/L on Sales of Assets | 0.25 |
Prov. and W/O (Net) | 171.01 |
Fin. Lease and Rental Charges | 6.46 |
Total Adjustments (PBT and Ext... | 4,631.88 |
Operating Profit before Workin... | 6,603.56 |
Trade and 0ther Receivables | -52.25 |
Trade Payables | 2.97 |
Loans and Advances | -6,392.23 |
Total Adjustments (OP before W... | -6,718.74 |
Cash Generated from/(used in) ... | -115.18 |
Interest Paid(Net) | -4,182.42 |
Direct Taxes Paid | -346.54 |
Total Adjustments(Cash Generat... | -4,528.96 |
Cash Flow before Extraordinary... | -4,644.14 |
Net Cash from Operating Activi... | -4,644.14 |
Purchased of Fixed Assets | -39.2 |
Sale of Fixed Assets | 0.28 |
Purchase of Investments | -1,154.56 |
Net Cash used in Investing Act... | -1,193.48 |
Proceeds from Issue of shares ... | 2,468.44 |
Proceed from Issue of Debentur... | 1,451 |
Proceed from 0ther Long Term B... | 21,885.45 |
Proceed from Short Tem Borrowi... | 10,054.7 |
Proceed from Deposits | 545.02 |
On Redemption of Debenture | -1,399 |
Of the Long Tem Borrowings | -24,043.72 |
Of the Short Term Borrowings | -6,750 |
Of Financial Liabilities | -33.25 |
Net Cash used in Financing Act... | 4,178.64 |
Company Details
Registered Office |
|
Address | 9th Floor Antrish Bhawan, 22 Kasthurba Gandhi Marg |
City | New Delhi |
State | New Delhi |
Pin Code | 110001 |
Tel. No. | 91-11-23445200 |
Fax. No. | 91-11-23736857 |
investor.services@pnbhousing.com; loans@pnbhfl.com | |
Internet | http://www.pnbhousing.com |
Registrars |
|
Address | 9th Floor Antrish Bhawan |
City | New Delhi |
State | New Delhi |
Pin Code | 110001 |
Tel. No. | 91-11-23445200 |
Fax. No. | 91-11-23736857 |
investor.services@pnbhousing.com; loans@pnbhfl.com | |
Internet | http://www.pnbhousing.com |
Management |
|
Name | Designation |
Sunil Kaul | Non-Exec & Non-Independent Dir |
Chandrasekaran Ramakrishnan | Non-Exec. & Independent Dir. |
Nilesh S Vikamsey | Non-Exec. & Independent Dir. |
Sanjay Jain | Company Sec. & Compli. Officer |
Tejendra Mohan Bhasin | Non-Exec. & Independent Dir. |
Sudarshan Sen | Non-Exec. & Independent Dir. |
Neeraj Vyas | Non-Exec & Non-Independent Dir |
Kapil Modi | Non-Exec & Non-Independent Dir |
Gita Nayyar | Independent Director |
Atul Kumar Goel | Non Executive Director |
PAVAN PAL KAUSHAL | Independent Director |
Girish Kousgi | Managing Director & CEO |
Dilip Kumar Jain | Nominee |