Nifty

:

14433.70

Sensex

:

49034.67

-161.90 (-1.11%)
-549.49 (-1.11%)

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Nifty
Sensex

:
:

14433.70
49034.67

-161.90 (-1.11%)
-549.49 (-1.11%)

PNB Housing Finance Ltd.

Finance - Housing

Rating :

44/99

BSE: 540173 | NSE: PNBHOUSING

Watchlist

NSE BSE

363.50

15-Jan-2021

Open
High
Low
Previous Close

370.10
371.85
361.00
370.00

Volume
Traded Value (lacs)
52 Week High
52 Week Low

140137
513.78
579.00
145.65

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

6,113.79
10.81
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

65,334.50
N/A
0.72

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

37.23
25.73
15.61

EBITDA CAGR (%)

10 Years
5 Years
3 Years

35.62
23.24
7.06

PAT CAGR (%)

10 Years
5 Years
3 Years

25.68
15.89
-8.41

P:E (Median)

8 Years
5 Years
3 Years

-
-
10.05

P:BV (Average)

8 Years
5 Years
3 Years

-
-
1.40

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
10.78

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Net Sales 2,012.68 2,187.29 -7.98% 1,866.35 2,301.57 -18.91% 1,919.91 2,135.12 -10.08% 2,069.55 1,999.50 3.50%
Expenses 268.71 256.92 4.59% 154.66 288.46 -46.38% 881.98 154.24 471.82% 292.62 202.02 44.85%
EBITDA 1,743.97 1,930.37 -9.66% 1,711.69 2,013.11 -14.97% 1,037.93 1,980.88 -47.60% 1,776.93 1,797.48 -1.14%
EBIDTM 86.65% 88.25% 91.71% 87.47% 54.06% 92.78% 85.86% 89.90%
Other Income 6.04 0.54 1,018.52% 2.23 1.58 41.14% 5.40 2.82 91.49% 0.08 0.72 -88.89%
Interest 1,339.82 1,521.36 -11.93% 1,363.65 1,512.76 -9.86% 1,380.04 1,427.54 -3.33% 1,461.14 1,410.28 3.61%
Depreciation 14.56 16.74 -13.02% 15.94 16.34 -2.45% 14.47 9.11 58.84% 18.09 7.57 138.97%
PBT 395.63 392.81 0.72% 334.33 485.59 -31.15% -351.18 547.05 - 297.78 380.35 -21.71%
Tax 83.27 50.72 64.18% 74.72 117.34 -36.32% -88.06 175.93 - 62.69 113.40 -44.72%
PAT 312.36 342.09 -8.69% 259.61 368.25 -29.50% -263.12 371.12 - 235.09 266.95 -11.93%
PATM 15.52% 15.64% 13.91% 16.00% -13.70% 17.38% 11.36% 13.35%
EPS 18.57 20.34 -8.70% 15.43 21.89 -29.51% -15.64 22.06 - 13.98 15.87 -11.91%

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Net Sales 2,015.51 2,229.71 -9.61% 1,870.06 2,230.93 -16.18% 1,946.44 2,145.21 -9.27% 2,074.76 2,077.74 -0.14%
Expenses 271.63 266.31 2.00% 163.33 289.48 -43.58% 884.57 166.46 431.40% 297.38 219.03 35.77%
EBITDA 1,743.88 1,963.40 -11.18% 1,706.73 1,941.45 -12.09% 1,061.87 1,978.75 -46.34% 1,777.38 1,858.71 -4.38%
EBIDTM 86.52% 88.06% 91.27% 87.02% 54.55% 92.24% 85.67% 89.46%
Other Income 5.99 0.63 850.79% 2.27 1.65 37.58% 5.40 2.98 81.21% 0.03 0.72 -95.83%
Interest 1,339.67 1,521.27 -11.94% 1,363.53 1,512.68 -9.86% 1,379.97 1,427.51 -3.33% 1,461.03 1,410.25 3.60%
Depreciation 14.63 16.79 -12.86% 15.99 16.39 -2.44% 14.54 9.15 58.91% 18.13 7.59 138.87%
PBT 395.57 425.97 -7.14% 329.48 414.03 -20.42% -327.24 545.07 - 298.25 441.59 -32.46%
Tax 82.28 59.16 39.08% 72.30 129.56 -44.20% -85.18 165.30 - 61.23 138.62 -55.83%
PAT 313.29 366.81 -14.59% 257.18 284.47 -9.59% -242.06 379.77 - 237.02 302.97 -21.77%
PATM 15.54% 16.45% 13.75% 12.75% -12.44% 17.70% 11.42% 14.58%
EPS 18.63 21.82 -14.62% 15.29 16.93 -9.69% -14.39 22.68 - 14.09 18.09 -22.11%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Sales 7,868.49 8,478.32 7,480.86 5,488.06 3,907.70 2,697.92 1,780.38 1,120.32 666.30 461.00 358.05 Net Sales Growth -8.76% 13.33% 36.31% 40.44% 44.84% 51.54% 58.92% 68.14% 44.53% 28.75% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 7,868.49 8,478.32 7,480.86 5,488.06 3,907.70 2,697.92 1,780.38 1,120.32 666.30 461.00 358.05 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 1,597.97 1,719.46 707.97 692.97 441.56 320.25 227.41 142.16 77.69 41.45 36.86 Power & Fuel Cost - 0.00 0.00 0.00 4.90 4.15 2.99 1.96 1.20 0.66 0.53 % Of Sales - 0% 0% 0% 0.13% 0.15% 0.17% 0.17% 0.18% 0.14% 0.15% Employee Cost - 195.28 211.33 142.72 101.26 75.28 67.06 40.40 25.42 15.42 9.02 % Of Sales - 2.30% 2.82% 2.60% 2.59% 2.79% 3.77% 3.61% 3.82% 3.34% 2.52% Manufacturing Exp. - 29.24 61.76 46.81 26.33 20.86 60.79 35.07 17.36 7.02 6.25 % Of Sales - 0.34% 0.83% 0.85% 0.67% 0.77% 3.41% 3.13% 2.61% 1.52% 1.75% General & Admin Exp. - 163.61 228.47 207.24 204.84 135.13 59.84 35.08 22.34 12.68 7.27 % Of Sales - 1.93% 3.05% 3.78% 5.24% 5.01% 3.36% 3.13% 3.35% 2.75% 2.03% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 1,331.33 206.41 296.20 109.13 88.98 39.72 31.61 12.57 6.34 0.00 % Of Sales - 15.70% 2.76% 5.40% 2.79% 3.30% 2.23% 2.82% 1.89% 1.38% 4.00% EBITDA 6,270.52 6,758.86 6,772.89 4,795.09 3,466.14 2,377.67 1,552.97 978.16 588.61 419.55 321.19 EBITDA Margin 79.69% 79.72% 90.54% 87.37% 88.70% 88.13% 87.23% 87.31% 88.34% 91.01% 89.71% Other Income 13.75 7.60 3.74 0.63 0.15 0.75 0.00 0.00 0.00 0.00 6.25 Interest 5,544.65 5,875.82 5,167.29 3,537.03 2,643.65 1,860.29 1,250.24 795.87 458.90 313.71 229.65 Depreciation 63.06 65.64 31.29 24.11 18.63 15.04 8.28 3.31 0.97 0.22 0.28 PBT 676.56 825.00 1,578.05 1,234.58 804.01 503.09 294.45 178.98 128.74 105.62 97.51 Tax 132.62 142.69 496.67 392.44 280.28 176.62 100.38 49.29 35.92 28.17 28.14 Tax Rate 19.60% 17.30% 31.47% 31.79% 34.86% 35.11% 34.09% 27.54% 27.90% 26.67% 28.86% PAT 543.94 682.31 1,081.38 842.14 523.73 326.47 194.07 129.70 92.82 77.45 69.37 PAT before Minority Interest 543.94 682.31 1,081.38 842.14 523.73 326.47 194.07 129.70 92.82 77.45 69.37 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 6.91% 8.05% 14.46% 15.34% 13.40% 12.10% 10.90% 11.58% 13.93% 16.80% 19.37% PAT Growth -59.66% -36.90% 28.41% 60.80% 60.42% 68.22% 49.63% 39.73% 19.85% 11.65% EPS 32.34 40.57 64.29 50.07 31.14 19.41 11.54 7.71 5.52 4.60 4.12

Description TTM Mar 20 Mar 19 Mar 18
Net Sales 7,906.77 8,481.84 7,679.32 5,488.71 Net Sales Growth -8.95% 10.45% 39.91% Cost Of Goods Sold 0.00 0.00 0.00 0.00 Gross Profit 7,906.77 8,481.84 7,679.32 5,488.71 GP Margin 100.00% 100% 100% 100% Total Expenditure 1,616.91 1,737.22 750.26 693.60 Power & Fuel Cost - 0.00 0.00 0.00 % Of Sales - 0% 0% 0% Employee Cost - 233.06 303.88 144.14 % Of Sales - 2.75% 3.96% 2.63% Manufacturing Exp. - 29.26 62.00 46.83 % Of Sales - 0.34% 0.81% 0.85% General & Admin Exp. - 140.76 177.97 206.43 % Of Sales - 1.66% 2.32% 3.76% Selling & Distn. Exp. - 0.00 0.00 0.00 % Of Sales - 0% 0% 0% Miscellaneous Exp. - 1,334.14 206.41 296.20 % Of Sales - 15.73% 2.69% 5.40% EBITDA 6,289.86 6,744.62 6,929.06 4,795.11 EBITDA Margin 79.55% 79.52% 90.23% 87.36% Other Income 13.69 7.71 3.90 0.63 Interest 5,544.20 5,875.47 5,167.20 3,537.03 Depreciation 63.29 65.85 31.37 24.13 PBT 696.06 811.01 1,734.39 1,234.58 Tax 130.63 164.77 542.87 393.43 Tax Rate 18.77% 20.32% 31.30% 31.87% PAT 565.43 646.24 1,191.52 841.15 PAT before Minority Interest 565.43 646.24 1,191.52 841.15 Minority Interest 0.00 0.00 0.00 0.00 PAT Margin 7.15% 7.62% 15.52% 15.33% PAT Growth -57.61% -45.76% 41.65% EPS 33.62 38.42 70.84 50.01

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 7,947.16 7,435.01 6,568.35 5,577.31 2,145.90 1,578.73 934.14 618.04 399.90 336.43 Share Capital 168.19 167.47 166.59 165.64 126.92 103.85 65.69 50.00 30.00 30.00 Total Reserves 7,711.65 7,211.43 6,374.42 5,411.67 2,018.98 1,474.88 868.45 568.04 369.90 306.43 Non-Current Liabilities 63,817.20 59,318.43 2,049.07 24,477.17 16,938.41 11,455.67 8,119.49 5,419.44 2,779.39 2,515.72 Secured Loans 45,531.59 42,854.10 0.00 16,064.52 11,603.94 8,117.86 6,694.55 4,283.34 2,386.60 2,167.68 Unsecured Loans 18,542.63 16,491.81 0.00 8,019.44 5,042.28 2,987.28 1,249.84 1,044.68 349.98 330.45 Long Term Provisions 18.43 23.73 455.79 242.45 160.93 81.58 48.67 29.43 17.82 28.33 Current Liabilities 6,834.37 16,945.59 54,791.97 12,905.07 10,586.64 6,000.84 2,470.48 1,603.52 1,241.89 838.95 Trade Payables 83.54 132.16 123.66 93.56 75.24 56.66 21.61 6.60 3.16 4.32 Other Current Liabilities 3,089.21 4,300.49 891.61 4,836.06 2,991.87 2,444.34 1,961.19 1,360.93 1,157.82 713.33 Short Term Borrowings 3,661.62 12,512.94 53,776.70 7,947.41 7,448.41 3,447.26 452.08 207.33 56.72 0.00 Short Term Provisions 0.00 0.00 0.00 28.04 71.12 52.57 35.59 28.66 24.19 121.31 Total Liabilities 78,598.73 83,699.03 63,409.39 42,959.55 29,670.95 19,035.24 11,524.11 7,641.00 4,421.18 3,691.10 Net Block 249.70 101.75 75.39 58.40 58.11 39.58 25.82 14.15 4.61 1.78 Gross Block 364.16 154.90 98.95 104.30 85.55 52.20 30.79 16.10 5.75 3.59 Accumulated Depreciation 114.46 53.15 23.56 45.90 27.44 12.62 4.97 1.95 1.14 1.81 Non Current Assets 69,157.73 76,062.14 770.89 37,744.00 26,655.83 14,784.60 8,853.58 5,498.41 3,841.83 2,945.28 Capital Work in Progress 4.06 5.17 9.69 2.03 4.05 18.10 3.02 3.59 0.53 0.00 Non Current Investment 1,953.59 1,386.88 0.57 961.35 782.10 219.13 118.74 58.07 53.60 44.22 Long Term Loans & Adv. 66,715.22 74,430.28 502.55 36,456.45 25,629.69 14,387.40 8,643.46 5,388.90 3,774.51 0.23 Other Non Current Assets 235.16 138.06 182.69 265.77 181.88 120.40 62.55 33.69 8.57 0.00 Current Assets 9,441.00 7,636.89 62,638.50 5,215.55 3,015.12 4,250.63 2,670.53 2,142.59 579.34 745.83 Current Investments 95.28 3,071.11 2,413.15 2,318.21 840.17 1,366.85 526.74 718.82 324.69 266.54 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 5.84 26.74 0.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash & Bank 8,512.53 4,026.08 2,816.93 151.47 248.54 293.14 138.42 128.04 11.42 67.17 Other Current Assets 827.35 494.21 224.33 2,705.93 1,926.41 2,590.63 2,005.37 1,295.72 243.23 412.12 Short Term Loans & Adv. 18.73 18.75 57,183.76 39.94 18.01 1,571.68 1,932.65 1,222.55 181.86 385.49 Net Current Assets 2,606.63 -9,308.70 7,846.53 -7,689.52 -7,571.52 -1,750.20 200.05 539.07 -662.54 -332.12 Total Assets 78,598.73 83,699.03 63,409.39 42,959.55 29,670.95 19,035.23 11,524.11 7,641.00 4,421.17 3,691.11

Description Mar 20 Mar 19 Mar 18
Shareholder's Funds 7,997.77 7,543.90 6,567.34 Share Capital 168.19 167.47 166.59 Total Reserves 7,762.26 7,320.32 6,373.41 Non-Current Liabilities 63,806.48 59,310.18 2,050.31 Secured Loans 45,531.59 42,854.10 0.00 Unsecured Loans 18,541.89 16,491.81 0.00 Long Term Provisions 18.94 25.26 456.69 Current Liabilities 6,839.54 16,953.92 54,789.31 Trade Payables 86.92 127.16 119.60 Other Current Liabilities 3,091.00 4,313.82 893.01 Short Term Borrowings 3,661.62 12,512.94 53,776.70 Short Term Provisions 0.00 0.00 0.00 Total Liabilities 78,643.79 83,808.00 63,406.96 Net Block 250.53 102.55 75.55 Gross Block 365.30 155.80 99.13 Accumulated Depreciation 114.77 53.25 23.58 Non Current Assets 69,134.14 78,951.84 771.08 Capital Work in Progress 4.06 5.17 9.69 Non Current Investment 1,953.29 4,291.01 0.57 Long Term Loans & Adv. 66,692.25 74,408.50 503.05 Other Non Current Assets 234.01 144.61 182.22 Current Assets 9,509.65 4,856.16 62,635.88 Current Investments 123.00 270.22 2,412.95 Inventories 0.00 0.00 0.00 Sundry Debtors 44.90 38.88 0.33 Cash & Bank 8,514.39 4,034.07 2,816.98 Other Current Assets 827.36 494.24 224.33 Short Term Loans & Adv. 18.74 18.75 57,181.29 Net Current Assets 2,670.11 -12,097.76 7,846.57 Total Assets 78,643.79 83,808.00 63,406.96

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity 8,911.14 -16,625.74 -15,663.79 -12,406.47 -9,664.46 -6,790.98 -3,627.15 -2,900.83 -728.27 -579.73 PBT 825.00 1,578.05 1,234.58 804.01 503.09 294.45 178.98 128.74 105.62 97.51 Adjustment 873.81 42.47 289.74 121.53 98.37 46.61 34.03 13.50 6.53 8.52 Changes in Working Capital 7,532.91 -17,748.76 -16,714.67 -13,060.08 -10,100.48 -7,039.97 -3,791.41 -3,005.97 -808.13 -652.93 Cash after chg. in Working capital 9,231.72 -16,128.24 -15,190.35 -12,134.54 -9,499.02 -6,698.91 -3,578.39 -2,863.72 -695.98 -546.89 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -320.58 -497.50 -473.44 -271.93 -165.44 -89.37 -48.76 -37.11 -32.29 -32.84 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 -2.70 0.00 0.00 0.00 0.00 Cash From Investing Activity -62.41 -53.25 -49.51 -16.88 -19.64 -37.34 -14.66 -13.63 -2.78 124.22 Net Fixed Assets -208.15 -51.43 -2.31 -16.73 -19.30 -36.49 -14.12 -13.41 -2.69 Net Investments 2,409.12 -2,044.27 865.84 -1,657.29 -36.29 -940.50 131.41 -398.60 -67.53 Others -2,263.38 2,042.45 -913.04 1,657.14 35.95 939.65 -131.95 398.38 67.44 Cash from Financing Activity -4,362.24 17,888.06 18,464.32 12,322.49 9,803.90 6,850.49 3,604.29 2,965.31 715.43 515.75 Net Cash Inflow / Outflow 4,486.49 1,209.07 2,751.02 -100.86 119.80 22.17 -37.53 50.85 -15.62 60.24 Opening Cash & Equivalents 4,025.97 2,816.90 65.88 166.71 46.92 24.75 62.28 11.42 27.04 6.93 Closing Cash & Equivalent 8,512.46 4,025.97 2,816.90 65.85 166.72 46.92 24.75 62.28 11.42 67.17

Description Mar 20 Mar 19 Mar 18
Cash From Operating Activity 8,928.50 -16,617.08 -15,663.56 PBT 811.01 1,734.39 1,234.58 Adjustment 889.05 13.38 290.17 Changes in Working Capital 7,572.74 -17,794.23 -16,714.37 Cash after chg. in Working capital 9,272.80 -16,046.46 -15,189.62 Interest Paid 0.00 0.00 0.00 Tax Paid -344.30 -570.62 -473.94 Other Direct Exp. Paid 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 Cash From Investing Activity -62.53 -53.97 -49.69 Net Fixed Assets -208.15 -51.43 Net Investments 2,409.12 -2,044.27 Others -2,263.50 2,041.73 Cash from Financing Activity -4,385.61 17,888.06 18,464.32 Net Cash Inflow / Outflow 4,480.36 1,217.01 2,751.07 Opening Cash & Equivalents 4,033.96 2,816.95 65.88 Closing Cash & Equivalent 8,514.32 4,033.96 2,816.95

Financial Ratios

Standalone /

Consolidated

Right to Left

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value (Rs.) 468.51 440.61 392.64 336.71 169.07 152.03 142.20 123.61 116.64 98.13 ROA 0.84% 1.47% 1.58% 1.44% 1.34% 1.27% 1.35% 1.54% 1.91% 1.88% ROE 8.94% 15.54% 13.90% 13.56% 17.53% 15.45% 16.71% 18.24% 21.04% 20.62% ROCE 8.65% 9.66% 9.39% 9.92% 10.18% 10.58% 10.59% 10.13% 10.79% 9.33% Fixed Asset Turnover 32.67 58.94 54.00 41.17 39.17 42.91 47.79 60.98 98.71 99.83 Receivable days 0.70 0.66 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 135.01 152.52 184.11 202.94 207.46 102.48 63.70 39.54 58.31 97.81 Cash Conversion Cycle -134.31 -151.86 -184.09 -202.94 -207.46 -102.48 -63.70 -39.54 -58.31 -97.81 Total Debt/Equity 8.60 9.74 8.22 6.40 12.18 10.49 10.86 10.87 9.67 9.42 Interest Cover 1.14 1.31 1.35 1.30 1.27 1.24 1.22 1.28 1.34 1.42

Description Mar 20 Mar 19 Mar 18
Book Value (Rs.) 471.52 447.11 392.58 ROA 0.80% 1.62% 1.33% ROE 8.38% 16.99% 12.86% ROCE 8.62% 9.88% 7.91% Fixed Asset Turnover 32.55 60.25 55.37 Receivable days 1.80 0.93 0.02 Inventory Days 0.00 0.00 0.00 Payable days 118.54 112.87 201.37 Cash Conversion Cycle -116.74 -111.94 -201.35 Total Debt/Equity 8.54 9.60 8.22 Interest Cover 1.14 1.34 1.35

Top Investors:

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Annual Reports:

News Update:

PNB Housing Finance - Quarterly Results
28th Oct 2020, 17:18 PM

Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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