PNB Housing Finance Ltd is an India-based housing finance company. It is engaged in the business of providing loans for the purchase, construction, repairs, and renovations of houses, flats, and commercial properties. The company also provides loans for commercial space, loan against property and loan for the purchase of residential plots. Geographically, it operates only in India. It generates revenue from Interest income and Fees and commission income.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.12
Equity-to-Asset	0.2
Debt-to-Equity	2.59
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.06	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-0.9
	3-Year EPS without NRI Growth Rate	16
	3-Year Book Growth Rate	11.1
	Future 3-5Y Total Revenue Growth Rate	14.07

Momentum Rank

7/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	80.16
	9-Day RSI	71.3
	14-Day RSI	65.26
	6-1 Month Momentum %	-11.89
	12-1 Month Momentum %	43.66

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-0.1
	Shareholder Yield %	-7.68

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	52.08
	FCF Margin %	-72.63
	ROE %	11.34
	ROA %	2.01
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	14.54
	Forward PE Ratio	9.98
	PE Ratio without NRI	14.58
	Shiller PE Ratio	18.58
	PEG Ratio	1.43
	PS Ratio	7.56
	PB Ratio	1.42
	Price-to-Tangible-Book	1.44
	EV-to-Revenue	20.32
	EV-to-Forward-Revenue	21.79
	EV-to-FCF	-27.79
	Price-to-Peter-Lynch-Fair-Value	1.44
	Price-to-Graham-Number	0.94
	FCF Yield %	-9.22
	Forward Rate of Return (Yacktman) %	-3.1

GF Value: ₹394.39

NSE:PNBHOUSING

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