PNB Housing Finance Ltd
NSE:PNBHOUSING
Intrinsic Value
PNB Housing Finance Ltd. is a housing finance company, which engages in the provision of financial intermediate activities of housing finance industries. [ Read More ]
The intrinsic value of one
PNBHOUSING
stock under the Base Case scenario is
1 005.16
INR.
Compared to the current market price of 739.9 INR,
PNB Housing Finance Ltd
is
Undervalued by 26%.
PNB Housing Finance Ltd's market capitalization is 192.1B INR.
PNBHOUSING stock price is 739.9 INR.
PNBHOUSING stock price (739.9 INR) is 26% less than its Intrinsic Value (1 005.16 INR).
PNBHOUSING stock (686.91 INR) is 7% less than its price (739.9 INR). Open DCF Valuation
PNBHOUSING stock price (739.9 INR) is 44% less than its Relative Value (1 323.41 INR). Open Relative Valuation
PNBHOUSING has upside potential of 21% compared to the average analyst price target.
Open Wall St Estimates
PNBHOUSING has positive three-year average ROE (Return on Equity): 10%. The company is efficient at transforming stockholders' equity into net income.
PNBHOUSING's ROE (Return on Equity) has decreased in the last 3 years from 11% to 11%.
PNBHOUSING's ROIC (Return on Invested Capital) has decreased in the last 3 years from 8% to 8%.
PNBHOUSING's ROE (Return on Equity) for the past 12 months is positive and is equal to 11%.
PNBHOUSING's ROIC (Return on Invested Capital) for the past 12 months is positive and is equal to 8%.
PNBHOUSING's Revenue has grown by 9% over the past 12 months.
PNBHOUSING has positive Net Income for the last twelve months.
PNBHOUSING's long-term assets (703B INR) exceed its long-term liabilties (561B INR).
PNBHOUSING's Revenue has been falling by 4% per year for the last 3 years.
PNBHOUSING has positive three-year average ROIC (Return on Invested Capital): 7%. The company is efficient at using invested capital to generate operating income.
PNBHOUSING's Revenue is forecast to fall at a rate of 16% per year over the next 3 years.
PNBHOUSING has positive Operating Income for the last twelve months.
PNBHOUSING has positive Gross Profit for the last twelve months.
PNBHOUSING has negative Free Cash Flow for the last twelve months.
PNBHOUSING's short-term liabilties (168B INR) exceed its short-term assets (46B INR).
PNBHOUSING has positive Net Debt. This means that the company has more debt (535B INR) than cash and short-term investments (46B INR).
PNBHOUSING's D/E (Debt to Equity) is very high and is equal to 3.77.
PNBHOUSING's Altman Z-Score is very low and is equal to 0.89.
PNBHOUSING generates enough operating income (62B INR) to cover interest payments on its debt (41B INR).
Valuation Backtest
PNB Housing Finance Ltd
Run backtest to discover the historical profit from buying and selling
PNBHOUSING
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
PNB Housing Finance Ltd
Balance Sheet Decomposition
PNB Housing Finance Ltd
| Current Assets | 45.8B |
| Cash & Short-Term Investments | 45.5B |
| Receivables | 278.3m |
| Non-Current Assets | 657.3B |
| Long-Term Investments | 48.4B |
| PP&E | 1.3B |
| Intangibles | 201.9m |
| Other Non-Current Assets | 607.5B |
| Current Liabilities | 168.1B |
| Accounts Payable | 169.5m |
| Short-Term Debt | 167.9B |
| Non-Current Liabilities | 393B |
| Long-Term Debt | 367.5B |
| Other Non-Current Liabilities | 25.5B |
Earnings Waterfall
PNB Housing Finance Ltd
|
Revenue
|
68.8B
INR
|
|
Cost of Revenue
|
-145.1m
INR
|
|
Gross Profit
|
68.7B
INR
|
|
Operating Expenses
|
-6.3B
INR
|
|
Operating Income
|
62.4B
INR
|
|
Other Expenses
|
-48.9B
INR
|
|
Net Income
|
13.5B
INR
|
Free Cash Flow Analysis
PNB Housing Finance Ltd
What is Free Cash Flow?
PNBHOUSING Profitability Score
Profitability Due Diligence
PNB Housing Finance Ltd's profitability score is 58/100. The higher the profitability score, the more profitable the company is.
Score
PNB Housing Finance Ltd's profitability score is 58/100. The higher the profitability score, the more profitable the company is.
PNBHOUSING Solvency Score
Solvency Due Diligence
PNB Housing Finance Ltd's solvency score is 15/100. The higher the solvency score, the more solvent the company is.
Score
PNB Housing Finance Ltd's solvency score is 15/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
PNBHOUSING Price Targets Summary
PNB Housing Finance Ltd
According to Wall Street analysts, the average 1-year price target for
PNBHOUSING
is 896.13 INR
with a low forecast of 643.37 INR and a high forecast of 1 076.25 INR.
Shareholder Return
PNBHOUSING Price
PNB Housing Finance Ltd
| Average Annual Return | -2.92% |
| Standard Deviation of Annual Returns | 33.44% |
| Max Drawdown | -83% |
| Market Capitalization | 195.3B INR |
| Shares Outstanding | 260 338 500 |
| Percentage of Shares Shorted |
N/A
|
Company Profile
PNB Housing Finance Ltd
Country
Industry
Market Cap
Dividend Yield
Description
PNB Housing Finance Ltd. is a housing finance company, which engages in the provision of financial intermediate activities of housing finance industries. The company is headquartered in New Delhi, Delhi and currently employs 1,425 full-time employees. The company went IPO on 2016-11-07. The firm is engaged in the business of providing housing and non-housing loans to its retail customers. The company provides loans to individuals and corporate bodies for purchase, construction, repair, and up-gradation of houses. The company also provides loans for commercial space, loan against property and loan for purchase of residential plots. The company provides home loans, which includes home purchase loans, home extension loans, home improvement loans, residential plot loans, loans for non-resident Indians (NRIs), and Pradhan Mantri Awas Yojana. The firm offers non-home loans, which include commercial property loans, loan against property, lease rental discounting, and loan for real estate developers. The company also provides Unnati home loans. The company provides fixed deposit, which includes various types of fixed deposit, such as cumulative deposit, non-cumulative deposit, joint fixed deposit, and non-resident Indians (NRIS) fixed deposit.
Contact
IPO
Employees
Officers
The intrinsic value of one
PNBHOUSING
stock under the Base Case scenario is
1 005.16
INR.
Compared to the current market price of 739.9 INR,
PNB Housing Finance Ltd
is
Undervalued by 26%.
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