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

With PNB Housing Finance Limited's revenue expected to be lower than the previous year, investors may become cautious. Declining revenues often negatively impact the bottom line, reducing profitability and raising concerns among investors about the company's ability to maintain strong financial performance moving forward.

Financial Ratios:

currentRatio 4.476000
forwardPE 9.521978
debtToEquity 261.907000
earningsGrowth 0.237000
revenueGrowth 0.211000
grossMargins 0.989860
operatingMargins 0.777670
trailingEps 82.390000
forwardEps 67.900000

PNBHOUSING's current ratio of 4.476, indicating that the company can meet its short-term debt obligations with ease. This high liquidity level is a positive sign, as PNBHOUSING has enough cash and current assets to handle its immediate liabilities comfortably.
PNBHOUSING's high debt-to-equity ratio indicates significant leverage, meaning the company has more debt compared to its equity. While this can accelerate growth, it also increases financial risk if revenue or profits decline.
PNBHOUSING's positive earnings and revenue growth indicate that the company is on track to expand its business. This growth suggests a strong financial outlook, with increasing profits and sales positioning PNBHOUSING for continued success in the market.
PNBHOUSING's positive gross and operating margins indicate a profitable and efficient business model. These metrics highlight the company's ability to generate income while controlling operational costs, reflecting strong financial performance.
PNB Housing Finance Limited's forward EPS falling below its trailing EPS suggests the company is expected to be less profitable this year. This signals a potential decline in earnings, which may raise concerns about PNB Housing Finance Limited's financial future.

Price projections:

Price projections for PNBHOUSING
Price projections for PNBHOUSING

PNBHOUSING's price projections have gradually decreased, indicating a more conservative outlook from analysts. The repeated downward revisions suggest waning confidence in the company's ability to achieve its previous targets.

Recommendation changes over time:

Recommendations trend for PNBHOUSING
Recommendations trend for PNBHOUSING


PNBHOUSING has garnered a buy bias from analysts recently, suggesting the stock is a good investment opportunity. This may lead to increased investor interest, as PNBHOUSING is seen as a reliable place to park money for those looking to benefit from potential market gains and company growth.