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PNB HOUSING FINANCE vs KIFS FINANCIAL SERVICES - Comparison Results

Rs 100 invested in...

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Current Valuations

    PNB HOUSING FINANCE KIFS FINANCIAL SERVICES PNB HOUSING FINANCE/
KIFS FINANCIAL SERVICES
 
P/E (TTM) x 12.1 21.4 56.8% View Chart
P/BV x 1.5 3.4 43.8% View Chart
Dividend Yield % 0.0 1.0 -  

Financials

 PNB HOUSING FINANCE   KIFS FINANCIAL SERVICES
EQUITY SHARE DATA
    PNB HOUSING FINANCE
Mar-23
KIFS FINANCIAL SERVICES
Mar-23
PNB HOUSING FINANCE/
KIFS FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs654251 260.6%   
Low Rs31290 346.1%   
Income per share (Unadj.) Rs386.628.4 1,361.5%  
Earnings per share (Unadj.) Rs61.95.9 1,047.9%  
Cash flow per share (Unadj.) Rs218.8-24.3 -900.0%  
Dividends per share (Unadj.) Rs01.35 0.0%  
Avg Dividend yield %00.8 0.0%  
Book value per share (Unadj.) Rs649.341.4 1,567.9%  
Shares outstanding (eoy) m168.8610.82 1,560.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.26.0 20.8%   
Avg P/E ratio x7.828.9 27.0%  
Avg P/CF ratio x7.74.4 176.7%  
Avg Price/Bookvalue ratio x0.74.1 18.1%  
Dividend payout %022.8 0.0%   
Avg Mkt Cap Rs m81,5781,846 4,420.3%   
No. of employees `000NANA-   
Total wages & salary Rs m2,6604 75,772.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m65,273307 21,247.8%  
Other income Rs m11,2840 2,564,613.6%   
Interest expense Rs m39,000208 18,785.9%   
Net interest income Rs m26,274100 26,379.2%  
Operating expense Rs m23,4359 257,522.0%   
Gross profit Rs m2,83991 3,137.2%  
Gross profit margin %4.329.5 14.8%  
Provisions/contingencies Rs m97358 27.0%   
Profit before tax Rs m13,60986 15,841.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,14922 14,346.7%   
Profit after tax Rs m10,46064 16,354.0%  
Net profit margin %16.020.8 77.0%  
BALANCE SHEET DATA
Advances Rs m578,3980-   
Deposits Rs m155,1330-  
Credit/Deposit ratio x372.80- 
Yield on advances %00-  
Cost of deposits %8.50-  
Net Interest Margin %4.382,998.3 0.0%  
Net fixed assets Rs m1,45811 13,134.2%   
Share capital Rs m1,689108 1,560.9%   
Free reserves Rs m107,948340 31,760.6%   
Net worth Rs m109,637448 24,469.2%   
Borrowings Rs m63,8762,645 2,415.1%   
Investments Rs m32,2560 26,880,166.7%   
Total assets Rs m668,2463,152 21,203.1%  
Debt/equity ratio x2.05.9 33.8%   
Return on assets %1.62.0 77.1%  
Return on equity %9.514.3 66.8%  
Capital adequacy ratio %24.40-  
Net NPAs %2.80-  
CASH FLOW
From Operations Rs m-18,650-80 23,350.8%  
From Investments Rs m1,758NA-  
From Financial Activity Rs m3,015-15 -20,648.6%  
Net Cashflow Rs m-13,878-94 14,690.2%  

Share Holding

Indian Promoters % 28.1 74.4 37.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 32.6 0.0 -  
FIIs % 24.7 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 71.9 25.6 280.9%  
Shareholders   124,656 1,531 8,142.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB HOUSING FINANCE With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on PNB HOUSING FINANCE vs KIFS FINANCIAL SERVICES

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

PNB HOUSING FINANCE vs KIFS FINANCIAL SERVICES Share Price Performance

Period PNB HOUSING FINANCE KIFS FINANCIAL SERVICES
1-Day -0.22% -0.67%
1-Month -10.43% -7.57%
1-Year 29.42% 47.00%
3-Year CAGR 18.17% 52.21%
5-Year CAGR -5.37% 16.80%

* Compound Annual Growth Rate

Here are more details on the PNB HOUSING FINANCE share price and the KIFS FINANCIAL SERVICES share price.

Moving on to shareholding structures...

The promoters of PNB HOUSING FINANCE hold a 28.1% stake in the company. In case of KIFS FINANCIAL SERVICES the stake stands at 74.4%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of PNB HOUSING FINANCE and the shareholding pattern of KIFS FINANCIAL SERVICES.

Finally, a word on dividends...

In the most recent financial year, PNB HOUSING FINANCE paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

KIFS FINANCIAL SERVICES paid Rs 1.4, and its dividend payout ratio stood at 22.8%.

You may visit here to review the dividend history of PNB HOUSING FINANCE, and the dividend history of KIFS FINANCIAL SERVICES.

For a sector overview, read our finance sector report.



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