ScoreWhy is PNB Housing Finance Ltd ?
1
Positive results in Mar 26
- NET SALES(Q) Highest at Rs 2,181.53 cr
- PBDIT(Q) Highest at Rs 2,129.49 cr.
- OPERATING PROFIT TO NET SALES(Q) Highest at 97.61%
2
Stock is technically in a Bullish range
- The technical trend has deteriorated from Bullish on 21-May-26 and has generated 1.88% returns since then
- Multiple factors for the stock are Bullish like MACD, Bollinger Band and KST
3
With ROE of 11.9, it has a Fair valuation with a 1.4 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 3.64%, its profits have risen by 18.3% ; the PEG ratio of the company is 0.7
4
High Institutional Holdings at 60.69%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Consistent Returns over the last 3 years
- Along with generating 3.64% returns in the last 1 year, the stock has outperformed BSE500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to PNB Housing should be less than 10%
- Overall Portfolio exposure to Housing Finance Company should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Housing Finance Company)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is PNB Housing for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
PNB Housing
48.81%
0.10
37.77%
Sensex
-1.65%
-0.49
12.94%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
12
Price to Book Value
1.55
EV to EBIT
12.05
EV to EBITDA
11.95
EV to Capital Employed
1.12
EV to Sales
11.24
PEG Ratio
0.96
Dividend Yield
0.70%
ROCE (Latest)
9.15%
ROE (Latest)
11.92%
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
DPR(Y)
Highest at 9.10%
NET SALES(Q)
Highest at Rs 2,263.44 cr
-4What is not working for the Company
OPERATING CF(Y)
Lowest at Rs -8,983.55 Cr
DEBT-EQUITY RATIO(HY)
Highest at 3.71 times
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Here's what is working for PNB Housing
Net Sales - Quarterly
Highest at Rs 2,263.44 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Dividend Payout Ratio (DPR) - Annually
Highest at 9.10%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for PNB Housing
Operating Cash Flow - Annually
Lowest at Rs -8,983.55 Cr and Fallen
each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (Rs Cr)
Debt-Equity Ratio - Half Yearly
Highest at 3.71 times
in the last five half yearly periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
