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

PNBHOUSING's projected revenue decline from last year is likely to make investors cautious. Lower revenues often hurt a company's bottom line, leading investors to be concerned about the company's ability to maintain profitability and deliver strong financial results in the future.

Financial Ratios:

currentRatio 4.422000
forwardPE 10.670995
debtToEquity 266.047000
earningsGrowth 0.251000
revenueGrowth -0.162000
grossMargins 0.995810
operatingMargins 0.770070
trailingEps 74.220000
forwardEps 67.900000

PNBHOUSING's current ratio being 4.422 suggests the company will have no issues paying off its short-term debt. With sufficient cash reserves and current assets, PNBHOUSING can easily cover its immediate liabilities, reflecting solid financial health.
PNBHOUSING's Forward PE ratio is favorable, meaning the stock price aligns well with earnings and isn't overvalued. This allows room for growth, making it an attractive investment for those seeking potential upside while ensuring the stock is not overpriced.
PNB Housing Finance Limited's high debt-to-equity ratio indicates that the company is using more debt than equity to fund its operations. This high leverage could expose the company to greater financial risk, especially during periods of declining profitability.
PNBHOUSING's low earnings and revenue growth suggest that the company may see declining profits. This indicates potential financial challenges ahead, and could lead to a more cautious outlook from investors.
PNB Housing Finance Limited's positive gross and operating margins indicate strong financial performance. These margins show that the company is profitable and efficient in its operations, with effective cost control contributing to its overall financial success.
PNB Housing Finance Limited's forward EPS being lower than its trailing EPS indicates that the company's earnings are projected to decrease. This suggests that PNB Housing Finance Limited may struggle to maintain profitability at previous levels, potentially affecting its financial outlook.

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' buy bias for PNB Housing Finance Limited signals that the stock is considered a favorable investment. This outlook might prompt investors to allocate funds to PNB Housing Finance Limited, seeing it as a solid and profitable choice to park their money and potentially benefit from the company's long-term growth.