Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Mortgage Finance

PNB Housing Finance Limited operates as a housing finance company in India. It provides loans to individuals and corporate bodies for purchase, construction, repair, and up-gradation of houses/flats/commercial properties; residential plot loans and loans for NRIs; loan against property, lease rental discounting, and loans for real estate developers; home loans and fixed deposit products. PNB Housing Finance Limited was incorporated in 1988 and is based in New Delhi, India.

Revenue projections:

Revenue projections for PNBHOUSING
Revenue projections for PNBHOUSING

The projected decline in PNB Housing Finance Limited's revenues compared to last year is expected to make investors cautious. A drop in revenue often has a direct negative effect on the company's bottom line, signaling potential challenges that could undermine investor confidence and reduce overall profitability.

Financial Ratios:

currentRatio 4.422000
forwardPE 10.670326
debtToEquity 266.047000
earningsGrowth 0.251000
revenueGrowth -0.162000
grossMargins 0.995810
operatingMargins 0.770070
trailingEps 74.220000
forwardEps 67.900000

The current ratio for PNBHOUSING is 4.422, indicating that the company can service its short-term debt using available cash and assets. This suggests PNBHOUSING has strong liquidity, with more than enough resources to meet its immediate financial commitments.
PNBHOUSING's Forward PE being in a good range indicates that the stock is valued appropriately based on its earnings. This suggests the stock is not overpriced and leaves room for growth, providing investors with an opportunity for potential appreciation in value.
PNB Housing Finance Limited's high debt-to-equity ratio indicates a high level of leverage, meaning the company relies significantly on debt for financing. This can increase financial risk, particularly in times of economic instability or reduced profitability.
PNB Housing Finance Limited's low earnings and revenue growth suggest that the company may face shrinking profits. This could indicate underlying financial challenges, making it difficult for PNB Housing Finance Limited to sustain its current profitability.
PNB Housing Finance Limited's positive gross and operating margins suggest the company is performing profitably. These margins reflect efficient cost management and strong revenue generation, signaling healthy financial performance and operational effectiveness.
PNB Housing Finance Limited's forward EPS being less than trailing EPS suggests the company may see a drop in profitability this year. This signals potential financial challenges and a less optimistic outlook for earnings growth.

Price projections:

Price projections for PNBHOUSING
Price projections for PNBHOUSING

Over time, price projections for PNBHOUSING have risen steadily, pointing to growing optimism among analysts about the company's future. This upward trend suggests a positive outlook for PNBHOUSING's continued growth.

Recommendation changes over time:

Recommendations trend for PNBHOUSING
Recommendations trend for PNBHOUSING


Analysts' recent buy bias toward PNBHOUSING suggests the stock is gaining favor as a strong investment choice. This optimism could drive more investors to see PNBHOUSING as a smart place to invest, further bolstering confidence in the company's long-term growth and potential returns.