PNB Housing Finance Ltd
NSE:PNBHOUSING

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PNB Housing Finance Ltd
NSE:PNBHOUSING
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Price: 835 INR -1.5% Market Closed
Market Cap: ₹217.5B

Relative Value

The Relative Value of one PNBHOUSING stock under the Base Case scenario is 2 758.37 INR. Compared to the current market price of 835 INR, PNB Housing Finance Ltd is Undervalued by 70%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

PNBHOUSING Relative Value
Base Case
2 758.37 INR
Undervaluation 70%
Relative Value
Price
Worst Case
Base Case
Best Case

Multiples Across Competitors

PNBHOUSING Competitors Multiples
PNB Housing Finance Ltd Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
IN
PNB Housing Finance Ltd
NSE:PNBHOUSING
217.5B INR 2.6 10 11.1 11.2
US
Rocket Companies Inc
NYSE:RKT
51B USD 8.4 -499.4 51.9 59.3
US
Mr Cooper Group Inc
NASDAQ:COOP
13.5B USD 6 23.7 28.1 30
US
Federal National Mortgage Association
OTC:FNMA
8.5B USD 0.1 945.8 234.8 234.8
US
UWM Holdings Corp
NYSE:UWMC
7.3B USD 2.3 265.9 13.2 13.7
US
Enact Holdings Inc
NASDAQ:ACT
6.1B USD 4.9 9 0 0
US
MGIC Investment Corp
NYSE:MTG
5.8B USD 4.8 7.9 0 0
BM
Essent Group Ltd
NYSE:ESNT
5.8B USD 4.6 8.4 0 0
US
Axos Financial Inc
NYSE:AX
5.4B USD 3.7 10.8 0 0
US
PennyMac Financial Services Inc
NYSE:PFSI
4.8B USD 1.6 9.6 33 36.2
US
Radian Group Inc
NYSE:RDN
4.8B USD 4 8.2 0 0
EV/EBITDA Multiple
EBITDA Growth EV/EBITDA to Growth
IN
PNB Housing Finance Ltd
NSE:PNBHOUSING
Average EV/EBITDA: 62
11.1
N/A N/A
US
Rocket Companies Inc
NYSE:RKT
51.9
46%
1.1
US
Mr Cooper Group Inc
NASDAQ:COOP
28.1
N/A N/A
US
Federal National Mortgage Association
OTC:FNMA
234.8
N/A N/A
US
UWM Holdings Corp
NYSE:UWMC
13.2
5%
2.6
US
Enact Holdings Inc
NASDAQ:ACT
Not Available N/A N/A
US
MGIC Investment Corp
NYSE:MTG
Not Available N/A N/A
BM
Essent Group Ltd
NYSE:ESNT
Not Available N/A N/A
US
Axos Financial Inc
NYSE:AX
Not Available N/A N/A
US
PennyMac Financial Services Inc
NYSE:PFSI
33
41%
0.8
US
Radian Group Inc
NYSE:RDN
Not Available N/A N/A
EV/EBIT Multiple
EBIT Growth EV/EBIT to Growth
IN
PNB Housing Finance Ltd
NSE:PNBHOUSING
Average EV/EBIT: 64.2
11.2
-18%
N/A
US
Rocket Companies Inc
NYSE:RKT
59.3
28%
2.1
US
Mr Cooper Group Inc
NASDAQ:COOP
30
N/A N/A
US
Federal National Mortgage Association
OTC:FNMA
234.8
N/A N/A
US
UWM Holdings Corp
NYSE:UWMC
13.7
N/A N/A
US
Enact Holdings Inc
NASDAQ:ACT
Not Available N/A N/A
US
MGIC Investment Corp
NYSE:MTG
Not Available N/A N/A
BM
Essent Group Ltd
NYSE:ESNT
Not Available N/A N/A
US
Axos Financial Inc
NYSE:AX
Not Available N/A N/A
US
PennyMac Financial Services Inc
NYSE:PFSI
36.2
N/A N/A
US
Radian Group Inc
NYSE:RDN
Not Available N/A N/A
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett