PNBHOUSING
OVERVALUEDPNB Housing Finance
Finance · NSE
↓ 51.6% vs fair value
52W Low
₹730
+44.1% from low
52W High
₹1,142
-7.9% from high
Valuation Gauge
Current Price
₹1,052
Fair Value
₹694
Fair Value Analysis
₹694
Based on balance sheet strength analysis and book value multiple for Finance sector companies | CAUTION: ROCE declining (latest 3.2%) — returns on capital are falling; verify this isn't a value trap.
Balance Sheet Value
39% weight
P/B Multiple
62% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Healthy
Profitability
ROE of 12.7% is acceptable for Finance sector (benchmark: 18%)
Debt & Leverage
D/E ratio of 2.8x is well within the Finance sector norm of 4.0x — strong balance sheet
Valuation vs Peers
P/E of 15.9x trades at a 75% discount to Finance sector median (65x) — attractively valued
Cash Flow
Negative cash flow of ₹-9,017 Cr — concerning for Finance sector
Earnings Growth
5yr EPS CAGR of 29.9% is in line with the Finance sector average of 23.9%
Dividend
Dividend yield of 0.5% is symbolic — low but positive
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Financials
EPS (TTM)
₹66.7
P/E Ratio
15.9x
P/B Ratio
1.4x
ROE
12.7%
ROCE
—
Debt / Equity
2.77x
Beta
0.36
Div Yield
0.5%
FCF (Cr)
₹-9,017 Cr
Revenue (Cr)
₹3,494 Cr
EPS Growth 5Y
29.9%
Mkt Cap (Cr)
₹27,867 Cr
52W High
₹1,141.9
52W Low
₹729.6
Book Value/Share
₹737.5
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2026-03-31 | ₹8.5K Cr | ₹3.0K Cr | 36.0% | ₹2.3K Cr | ₹87.94 |
| 2025-03-31 | ₹7.7K Cr | ₹2.5K Cr | 33.0% | ₹1.9K Cr | ₹74.49 |
| 2024-03-31 | ₹7.1K Cr | ₹2.0K Cr | 28.0% | ₹1.5K Cr | ₹58.06 |
| 2023-03-31 | ₹6.5K Cr | ₹1.4K Cr | 22.0% | ₹1.0K Cr | ₹40.31 |
| 2022-03-31 | ₹6.2K Cr | ₹1.1K Cr | 18.0% | ₹836 Cr | ₹32.28 |
| 2021-03-31 | ₹7.6K Cr | ₹1.3K Cr | 16.0% | ₹930 Cr | ₹35.96 |
| 2020-03-31 | ₹8.5K Cr | ₹870 Cr | 10.0% | ₹646 Cr | ₹25.00 |
| 2019-03-31 | ₹7.7K Cr | ₹1.8K Cr | 23.0% | ₹1.2K Cr | ₹46.29 |
| 2018-03-31 | ₹5.5K Cr | ₹1.3K Cr | 23.0% | ₹841 Cr | ₹32.86 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Finance| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
SIL Investments Limited | ₹436.9 | ₹1,876.1 | +76.7% | 10.8 | 1.3% | FAIRLY_VALUED |
N. B. I. Industrial Finance Company Limited | ₹1,900 | ₹8,108.1 | +76.6% | 37.6 | 0.5% | FAIRLY_VALUED |
BF Investment Limited | ₹390 | ₹1,536.3 | +74.6% | 9.3 | 1.2% | FAIRLY_VALUED |
Nalwa Sons Investments Limited | ₹5,576.5 | ₹21,591.5 | +74.2% | 126.6 | 0.1% | FAIRLY_VALUED |
CP Capital Limited | ₹93.7 | ₹335.3 | +72.0% | 4.2 | 6.3% | FAIRLY_VALUED |
VLS Finance Limited | ₹231.3 | ₹820.3 | +71.8% | 14.2 | 5.8% | FAIRLY_VALUED |
Sammaan Capital Limited | ₹162 | ₹567.9 | +71.5% | 7.8 | 5.7% | FAIRLY_VALUED |
Kalyani Investment Company Limited | ₹4,935 | ₹14,921.9 | +66.9% | 48.8 | 0.5% | FAIRLY_VALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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