PNB Housing Finance Ltd
NSE:PNBHOUSING

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PNB Housing Finance Ltd Logo
PNB Housing Finance Ltd
NSE:PNBHOUSING
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Price: 854.6 INR -1.32% Market Closed
Market Cap: 222.1B INR
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

72.8B
+1%
Revenue
Growth Rates:
1 Year
+5%
3 Years
+4%
5 Years
-16%
7 Years
+61%
10 Years
+425%
65.4B
+1%
Operating Income
Growth Rates:
1 Year
+3%
3 Years
+0%
5 Years
-20%
7 Years
+67%
10 Years
+439%
16.8B
+5%
Net Income
Growth Rates:
1 Year
+31%
3 Years
+101%
5 Years
+26%
7 Years
+158%
10 Years
+968%

Earnings Waterfall
PNB Housing Finance Ltd

Revenue
72.8B INR
Cost of Revenue
-125.8m INR
Gross Profit
72.7B INR
Operating Expenses
-7.3B INR
Operating Income
65.4B INR
Other Expenses
-48.6B INR
Net Income
16.8B INR

Income Statement
PNB Housing Finance Ltd

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Income Statement
Currency: INR
Jun-2014 Sep-2014 Dec-2014 Mar-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024
Revenue
Revenue
12 436
N/A
13 880
+12%
15 648
+13%
17 767
+14%
16 681
-6%
19 192
+15%
26 966
+41%
29 990
+11%
33 260
+11%
36 151
+9%
39 077
+8%
42 050
+8%
45 092
+7%
49 265
+9%
54 887
+11%
59 768
+9%
65 107
+9%
71 723
+10%
76 793
+7%
82 621
+8%
86 835
+5%
86 806
0%
84 818
-2%
81 210
-4%
79 068
-3%
77 187
-2%
76 241
-1%
74 290
-3%
69 999
-6%
66 088
-6%
62 007
-6%
59 198
-5%
60 169
+2%
63 178
+5%
65 297
+3%
68 254
+5%
69 214
+1%
68 808
-1%
70 571
+3%
71 815
+2%
72 817
+1%
Gross Profit
Cost of Revenue
0
0
0
(289)
0
0
(497)
0
0
0
(903)
(236)
(420)
0
(835)
0
(991)
0
(546)
(737)
(608)
(618)
(89)
(65)
(49)
(51)
(116)
(124)
(120)
(142)
(111)
(129)
(137)
(128)
(115)
(116)
(125)
(145)
(123)
(119)
(126)
Gross Profit
0
N/A
0
N/A
0
N/A
17 478
N/A
0
N/A
0
N/A
26 469
N/A
0
N/A
0
N/A
0
N/A
38 174
N/A
11 365
-70%
23 925
+111%
0
N/A
54 052
N/A
0
N/A
33 473
N/A
0
N/A
76 247
N/A
61 107
-20%
65 452
+7%
86 190
+32%
84 729
-2%
81 147
-4%
79 020
-3%
77 137
-2%
76 125
-1%
74 166
-3%
69 879
-6%
65 946
-6%
61 896
-6%
59 070
-5%
60 032
+2%
63 050
+5%
65 181
+3%
68 138
+5%
69 089
+1%
68 663
-1%
70 448
+3%
71 696
+2%
72 691
+1%
Operating Income
Operating Expenses
(1 598)
(1 756)
(1 910)
(1 870)
(2 042)
(2 276)
(2 834)
(3 678)
(3 652)
(4 056)
(2 724)
(4 931)
(5 601)
(6 392)
(6 258)
(7 273)
(6 714)
(8 423)
(7 277)
(4 881)
(4 256)
(3 327)
(17 383)
(5 082)
(4 850)
(4 497)
(4 135)
(4 539)
(4 662)
(4 808)
(4 568)
(4 702)
(4 867)
(4 975)
(5 202)
(5 504)
(5 837)
(6 255)
(6 590)
(6 995)
(7 306)
Selling, General & Administrative
(1 069)
(1 167)
(1 193)
(1 804)
(1 413)
(1 526)
(2 667)
(1 710)
(1 353)
(1 550)
(2 512)
(1 863)
(2 119)
(1 929)
(3 434)
(1 627)
(2 139)
(2 582)
(5 341)
(3 213)
(3 114)
(2 892)
(4 993)
(2 261)
(2 101)
(1 939)
(3 545)
(2 061)
(2 076)
(2 149)
(4 034)
(2 219)
(2 338)
(2 420)
(4 688)
(2 855)
(3 026)
(3 250)
(6 078)
(3 666)
(3 899)
Depreciation & Amortization
(67)
(61)
(65)
(52)
(55)
(79)
(150)
(164)
(176)
(181)
(186)
(193)
(200)
(220)
(241)
(258)
(284)
(292)
(314)
(411)
(500)
(605)
(658)
(654)
(632)
(591)
(590)
(558)
(546)
(537)
(534)
(536)
(534)
(528)
(514)
(510)
(492)
(496)
(512)
(519)
(544)
Other Operating Expenses
(462)
(528)
(652)
(14)
(574)
(672)
(17)
(1 805)
(2 125)
(2 327)
(25)
(2 875)
(3 282)
(4 243)
(2 583)
(5 388)
(4 291)
(5 549)
(1 623)
(1 259)
(642)
170
(11 732)
(2 169)
(2 117)
(1 966)
0
(1 920)
(2 040)
(2 121)
0
(1 947)
(1 995)
(2 027)
0
(2 138)
(2 319)
(2 509)
0
(2 810)
(2 862)
Operating Income
10 838
N/A
12 123
+12%
13 737
+13%
15 608
+14%
14 639
-6%
16 916
+16%
23 635
+40%
26 313
+11%
29 609
+13%
32 095
+8%
35 450
+10%
36 882
+4%
39 070
+6%
42 873
+10%
47 794
+11%
52 495
+10%
57 401
+9%
63 299
+10%
68 970
+9%
77 003
+12%
81 972
+6%
82 862
+1%
67 347
-19%
76 062
+13%
74 169
-2%
72 639
-2%
71 990
-1%
69 627
-3%
65 217
-6%
61 139
-6%
57 329
-6%
54 368
-5%
55 165
+1%
58 075
+5%
59 979
+3%
62 635
+4%
63 252
+1%
62 409
-1%
63 857
+2%
64 701
+1%
65 385
+1%
Pre-Tax Income
Interest Income Expense
(8 931)
(10 013)
(11 349)
(12 204)
(11 536)
(12 956)
(17 876)
(20 656)
(23 042)
(24 906)
(25 104)
(27 862)
(29 363)
(31 889)
(35 104)
(38 859)
(42 800)
(47 646)
(51 300)
(55 794)
(58 718)
(59 225)
(58 382)
(57 258)
(55 442)
(53 294)
(50 749)
(48 391)
(45 342)
(42 841)
(40 553)
(38 918)
(38 209)
(38 212)
(38 877)
(40 158)
(41 092)
(41 995)
(42 506)
(43 106)
(43 718)
Non-Reccuring Items
0
0
0
0
0
0
0
0
0
0
(975)
0
0
0
(87)
0
0
0
0
(3 532)
(5 048)
(6 856)
(558)
(11 623)
(11 903)
(12 662)
(8 885)
(9 464)
(9 086)
(7 814)
(5 842)
(4 651)
(5 665)
(7 441)
(7 383)
(7 512)
(5 528)
(3 048)
(1 705)
(979)
(75)
Gain/Loss on Disposition of Assets
0
0
0
(2)
0
0
(1)
0
0
0
0
0
0
0
(2)
0
0
0
(1)
0
0
0
(6)
0
0
0
(37)
0
0
0
(2)
0
0
0
(2)
0
0
0
(3)
0
0
Total Other Income
66
151
213
(445)
(296)
(443)
(727)
0
1
1
(1 331)
3
3
4
(255)
7
9
15
(325)
54
60
53
(290)
83
137
234
(249)
156
96
0
(92)
0
0
0
(108)
0
0
0
(105)
(3)
(3)
Pre-Tax Income
1 974
N/A
2 261
+15%
2 600
+15%
2 958
+14%
2 807
-5%
3 517
+25%
5 031
+43%
5 657
+12%
6 568
+16%
7 189
+9%
8 040
+12%
9 022
+12%
9 709
+8%
10 988
+13%
12 346
+12%
13 645
+11%
14 610
+7%
15 668
+7%
17 344
+11%
17 732
+2%
18 267
+3%
16 834
-8%
8 110
-52%
7 266
-10%
6 962
-4%
6 917
-1%
12 070
+75%
11 928
-1%
10 884
-9%
10 483
-4%
10 840
+3%
10 798
0%
11 290
+5%
12 422
+10%
13 609
+10%
14 965
+10%
16 632
+11%
17 366
+4%
19 539
+13%
20 614
+6%
21 590
+5%
Net Income
Tax Provision
(574)
(688)
(817)
(997)
(948)
(1 270)
(1 766)
(1 997)
(2 303)
(2 451)
(2 803)
(3 044)
(3 207)
(3 569)
(3 934)
(4 376)
(4 712)
(5 034)
(5 429)
(5 530)
(4 927)
(4 153)
(1 648)
(1 075)
(1 306)
(1 308)
(2 771)
(2 768)
(2 505)
(2 544)
(2 475)
(2 517)
(2 735)
(3 059)
(3 149)
(3 381)
(3 844)
(3 886)
(4 459)
(4 679)
(4 788)
Income from Continuing Operations
1 399
1 574
1 785
1 961
1 860
2 246
3 265
3 660
4 265
4 740
5 237
5 980
6 504
7 421
8 412
9 270
9 899
10 634
11 915
12 203
13 341
12 681
6 462
6 189
5 654
5 608
9 299
9 160
8 379
7 940
8 365
8 282
8 556
9 363
10 460
11 584
12 787
13 480
15 080
15 935
16 802
Net Income (Common)
1 398
N/A
1 573
+13%
1 784
+13%
1 961
+10%
1 860
-5%
2 246
+21%
3 265
+45%
3 660
+12%
4 265
+17%
4 740
+11%
5 237
+10%
5 980
+14%
6 504
+9%
7 421
+14%
8 412
+13%
9 270
+10%
9 899
+7%
10 634
+7%
11 915
+12%
12 203
+2%
13 341
+9%
12 681
-5%
6 462
-49%
6 189
-4%
5 654
-9%
5 608
-1%
9 299
+66%
9 160
-1%
8 379
-9%
7 940
-5%
8 365
+5%
8 282
-1%
8 556
+3%
9 363
+9%
10 460
+12%
11 584
+11%
12 787
+10%
13 480
+5%
15 080
+12%
15 935
+6%
16 802
+5%
EPS (Diluted)
15.7
N/A
17.67
+13%
20.04
+13%
24.51
+22%
14.64
-40%
17.68
+21%
27.43
+55%
28.59
+4%
33.06
+16%
31.18
-6%
36.11
+16%
35.38
-2%
38.48
+9%
43.91
+14%
50.07
+14%
55.17
+10%
58.57
+6%
62.92
+7%
70.92
+13%
72.63
+2%
78.94
+9%
75.03
-5%
38.46
-49%
36.83
-4%
33.65
-9%
33.38
-1%
45.77
+37%
54.37
+19%
49.58
-9%
46.97
-5%
41.02
-13%
40.63
-1%
41.95
+3%
45.92
+9%
51.31
+12%
45.45
-11%
49.27
+8%
51.78
+5%
58.2
+12%
61.15
+5%
64.48
+5%

See Also

Summary
PNBHOUSING intrinsic value, competitors valuation, and company profile.
DCF Valuation
PNBHOUSING stock valuation using Discount Cash Flow valuation method.
Relative Valuation
PNBHOUSING stock valuation using valuation multiples.
Wall Street Estimates
PNBHOUSING price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
PNBHOUSING stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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