PNB Housing Finance Ltd

NSE :PNBHOUSING   BSE :540173  Sector : Finance
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52 WK low / high

23 Dec
842.95
(-2.98%)
20 Dec
868.85
(-0.37%)
19 Dec
872.10
(-0.10%)
18 Dec
873.00
(-1.84%)
17 Dec
889.40
(-3.51%)
16 Dec
921.75
(-1.32%)
13 Dec
934.10
(0.66%)
12 Dec
927.95
(-1.27%)
11 Dec
939.90
(-2.55%)
10 Dec
964.50
(0.54%)
09 Dec
959.30
(-0.40%)
06 Dec
963.15
(2.13%)
05 Dec
943.10
(3.16%)
04 Dec
914.25
(3.31%)
03 Dec
884.95
(0.11%)
02 Dec
884.00
(-0.86%)
29 Nov
891.70
(0.94%)
28 Nov
883.40
(0.79%)
27 Nov
876.45
(1.97%)
26 Nov
859.55
(-0.78%)
25 Nov
866.30
(1.37%)


Technical Analysis

Short Term Investors

Very Bearish

Medium Term Investors

Very Bearish

Long Term Investors

Bullish

Moving Averages

5 DMA
Bearish

869.18


10 DMA
Bearish

903.74


20 DMA
Bearish

904.64


50 DMA
Bearish

922.34


100 DMA
Bearish

930.6


200 DMA
Bullish

841.51



Intraday Support and Resistance
(Based on Pivot Points) |

Updated On Dec 23, 2024 04:00 PM For Next Trading Session

Pivots Classic Fibonacci Camarilla Woodie DM
R3 915.46 898.98 855.19 - -
R2 898.98 881.98 851.11 896.1 -
R1 870.96 871.48 847.03 865.2 884.98
P 854.48 854.48 854.48 851.6 861.49
S1 826.46 837.48 838.87 820.7 840.48
S2 809.98 826.98 834.79 807.1 -
S3 781.96 809.98 830.71 - -

Key Metrics

EPS

65.45

P/E

12.87

P/B

1.38

Dividend Yield

0%

Market Cap

21,904 Cr.

Face Value

10

Book Value

609.33

ROE

11.61%

EBITDA Growth

1,736.08 Cr.

Debt/Equity

4.18

Shareholding Pattern

  28.11% Total Promoter Holding
16.03% Mutual Fund Holdings
20.42% FIIs
29.29% Non Institution
3.46% Insurance Companies
0% Custodians
2.69% Other Parties

Shareholding History


Quarterly Result (Figures in Rs. Crores)


PNB Housing Finance Ltd Quaterly Results


Sep 2023Dec 2023Mar 2024Jun 2024Sep 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 2023Dec 2023Mar 2024Jun 2024Sep 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 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 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 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 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 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018
SOURCES OF FUNDS :
Share Capital 259.72168.86168.6168.27168.19167.47166.59
Reserves Total 14,714.7210,844.89,703.038,754.767,829.587,376.436,400.75
Equity Application Money00.200000
Total Shareholders Funds14,974.4411,013.869,871.638,923.037,997.777,543.96,567.34
Secured Loans31,439.1833,068.7932,617.8140,102.8449,758.5248,544.1230,827.8
Unsecured Loans23,577.4120,552.5920,343.3219,289.617,976.5823,314.7322,948.9
Total Loan Funds55,016.5953,621.3852,961.1359,392.4467,735.171,858.8553,776.7
Other Liabilities0000001,639.08
Total Liabilities69,991.0364,635.2462,832.7668,315.4775,732.8779,402.7561,983.12
APPLICATION OF FUNDS :
Loan / Non-Current Assets 64,108.2457,839.7955,335.9460,644.7266,628.0274,287.8857,164.8
Gross Block 441401.63363.41341.92365.88156.3899.71
Less: Accumulated Depreciation234.22255.32213.01160.65114.853.2723.59
Net Block206.78146.31150.4181.27251.08103.1176.12
Capital Work in Progress15.253.163.542.384.065.179.69
Investments 4,346.013,196.293,482.72,044.822,075.744,560.672,412.95
Sundry Debtors 51.4512.8642.7644.9444.938.880.33
Cash and Bank Balance2,606.933,796.25,216.096,968.638,514.394,034.072,816.98
Loans and Advances 942.51,733.421,099.281,075.811,125.6778.22289.28
Total Current Assets3,600.885,542.486,358.138,089.389,684.894,851.173,106.59
Current Liabilities 2,393.592,220.742,879.522,995.413,177.924,440.981,012.61
Provisions 20.2317.7217.3381.3218.9425.2618.74
Total Current Liabilities & Provisions2,413.822,238.462,896.853,076.733,196.864,466.241,031.35
Net Current Assets1,187.063,304.023,461.285,012.656,488.03384.932,075.24
Deferred Tax Assets374.93418.88398.9429.63285.9460.9945.46
Deferred Tax Liability247.24273.2100000
Net Deferred Tax127.69145.67398.9429.63285.9460.9945.46
Other Assets000000198.86
Total Assets69,991.0364,635.2462,832.7668,315.4775,732.8779,402.7561,983.12
Contingent Liabilities110.9487.7623.1212.3777.19101.7541.55
Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015
SOURCES OF FUNDS :
Share Capital 259.72168.86168.6168.27168.19167.47166.59165.64126.92103.85
Reserves Total 14,672.6510,783.519,631.948,698.917,778.977,267.546,401.765,411.672,018.981,474.88
Total Shareholders Funds14,932.3710,952.579,800.548,867.187,947.167,435.016,568.355,577.312,145.91,578.73
Secured Loans31,439.1833,068.7932,617.8140,102.8449,758.5262,567.1630,827.819,900.7813,402.729,754.15
Unsecured Loans23,577.3620,552.3120,343.3119,290.9817,977.329,291.6922,948.915,596.3612,610.966,726.61
Total Loan Funds55,016.5453,621.152,961.1259,393.8267,735.8471,858.8553,776.735,497.1426,013.6816,480.76
Other Liabilities0000001,638.88346.35261.72344.32
Total Liabilities69,948.9164,573.6762,761.6668,26175,68379,293.8661,983.9341,420.828,421.318,403.81
APPLICATION OF FUNDS :
Loan / Non-Current Assets 64,204.7657,908.5355,380.7460,687.3766,668.6874,327.4757,167.2736,443.7925,623.5614,382.17
Gross Block 439.48400.19362.25340.76364.74155.48278.23104.385.5552.2
Less: Accumulated Depreciation 233.04254.34212.26160.11114.4953.1723.5745.927.4412.62
Net Block206.44145.85149.99180.65250.25102.31254.6658.458.1139.58
Capital Work in Progress15.253.163.542.384.065.179.692.034.0518.1
Investments 4,345.263,188.023,472.022,032.922,048.324,457.432,413.153,279.561,622.271,585.98
Sundry Debtors 52.07038.9815.035.8426.740.33000
Cash and Bank Balance2,498.633,692.575,114.846,906.58,512.534,026.082,816.93151.47248.54293.14
Loans and Advances 921.311,721.281,090.391,078.191,109.05753.83289.632,745.871,926.412,590.64
Total Current Assets3,472.015,413.856,244.217,999.729,627.424,806.653,106.892,897.342,174.952,883.78
Current Liabilities 2,402.522,213.92,870.522,987.963,172.754,432.651,015.271,463.851,148.06572.64
Provisions 19.7817.3917.1283.5618.4323.7318.6928.0471.1252.57
Total Current Liabilities & Provisions2,422.32,231.292,887.643,071.523,191.184,456.381,033.961,491.891,219.18625.21
Net Current Assets1,049.713,182.563,356.574,928.26,436.24350.272,072.931,405.45955.772,258.57
Deferred Tax Assets374.66418.76398.8429.48275.4551.2145.6121.5266.737.24
Deferred Tax Liability247.17273.2100000168.3897.1743.46
Net Deferred Tax127.49145.55398.8429.48275.4551.2145.6-46.86-30.47-6.22
Other Assets00000020.63278.43188.01125.63
Total Assets69,948.9164,573.6762,761.6668,26175,68379,293.8661,983.9341,420.828,421.318,403.81
Contingent Liabilities79.8756.6921.2812.3777.19101.7536.3735.3318.374.47

Cash Flow (Figures in Rs. Crores)

Net Profit before Tax and Extr...1,953.9
Depreciation51.19
Interest (Net)4,243.57
P/L on Sales of Assets0.25
Prov. and W/O (Net)171.12
Fin. Lease and Rental Charges6.46
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 Assets0.28
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 Borrowings21,885.45
Proceed from Short Tem Borrowi...10,054.7
Proceed from Deposits545.01
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
Depreciation50.98
Interest (Net)4,217.3
P/L on Sales of Assets0.25
Prov. and W/O (Net)171.01
Fin. Lease and Rental Charges6.46
Total Adjustments (PBT and Ext...4,631.88
Operating Profit before Workin...6,603.56
Trade and 0ther Receivables-52.25
Trade Payables2.97
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 Assets0.28
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 Deposits545.02
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
Address9th Floor Antrish Bhawan,
22 Kasthurba Gandhi Marg
CityNew Delhi
StateNew Delhi
Pin Code110001
Tel. No.91-11-23445200
Fax. No.91-11-23736857
Emailinvestor.services@pnbhousing.com; loans@pnbhfl.com
Internethttp://www.pnbhousing.com
Registrars
Address9th Floor Antrish Bhawan
CityNew Delhi
StateNew Delhi
Pin Code110001
Tel. No.91-11-23445200
Fax. No.91-11-23736857
Emailinvestor.services@pnbhousing.com; loans@pnbhfl.com
Internethttp://www.pnbhousing.com
Management
Name Designation
Sunil KaulNon-Exec & Non-Independent Dir
Chandrasekaran RamakrishnanNon-Exec. & Independent Dir.
Nilesh S VikamseyNon-Exec. & Independent Dir.
Sanjay JainCompany Sec. & Compli. Officer
Tejendra Mohan BhasinNon-Exec. & Independent Dir.
Sudarshan SenNon-Exec. & Independent Dir.
Neeraj VyasNon-Exec & Non-Independent Dir
Kapil ModiNon-Exec & Non-Independent Dir
Gita NayyarIndependent Director
Atul Kumar GoelNon Executive Director
PAVAN PAL KAUSHALIndependent Director
Girish KousgiManaging Director & CEO
Dilip Kumar JainNominee