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PNB HOUSING FINANCE vs INDIA HOME LOANS - Comparison Results

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Current Valuations

    PNB HOUSING FINANCE INDIA HOME LOANS PNB HOUSING FINANCE/
INDIA HOME LOANS
 
P/E (TTM) x 14.4 -36.1 - View Chart
P/BV x 1.8 1.2 153.9% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PNB HOUSING FINANCE   INDIA HOME LOANS
EQUITY SHARE DATA
    PNB HOUSING FINANCE
Mar-23
INDIA HOME LOANS
Mar-23
PNB HOUSING FINANCE/
INDIA HOME LOANS
5-Yr Chart
Click to enlarge
High Rs65441 1,606.3%   
Low Rs31226 1,195.4%   
Income per share (Unadj.) Rs386.615.6 2,470.6%  
Earnings per share (Unadj.) Rs61.90.4 14,621.0%  
Cash flow per share (Unadj.) Rs218.8-827.9 -26.4%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs649.329.2 2,220.7%  
Shares outstanding (eoy) m168.8614.28 1,182.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.22.1 58.5%   
Avg P/E ratio x7.878.8 9.9%  
Avg P/CF ratio x7.70 19,338.4%  
Avg Price/Bookvalue ratio x0.71.1 65.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m81,578477 17,094.2%   
No. of employees `000NANA-   
Total wages & salary Rs m2,66033 8,018.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m65,273223 29,214.2%  
Other income Rs m11,28425 44,939.5%   
Interest expense Rs m39,000129 30,258.0%   
Net interest income Rs m26,27495 27,791.1%  
Operating expense Rs m23,435104 22,500.7%   
Gross profit Rs m2,839-10 -29,544.2%  
Gross profit margin %4.3-4.3 -101.1%  
Provisions/contingencies Rs m9711,936 0.8%   
Profit before tax Rs m13,60910 138,023.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,1494 82,871.1%   
Profit after tax Rs m10,4606 172,892.6%  
Net profit margin %16.02.7 591.3%  
BALANCE SHEET DATA
Advances Rs m578,398976 59,279.1%   
Deposits Rs m155,1330-  
Credit/Deposit ratio x372.80- 
Yield on advances %00-   
Cost of deposits %8.50-  
Net Interest Margin %4.39.6 44.8%  
Net fixed assets Rs m1,4584 32,984.2%   
Share capital Rs m1,689143 1,182.3%   
Free reserves Rs m107,948275 39,298.1%   
Net worth Rs m109,637418 26,259.6%   
Borrowings Rs m63,8760-   
Investments Rs m32,2569 350,992.4%   
Total assets Rs m668,2461,392 48,013.4%  
Debt/equity ratio x2.00-   
Return on assets %1.60.4 359.8%  
Return on equity %9.51.5 657.9%  
Capital adequacy ratio %24.453.6 45.6%  
Net NPAs %2.83.0 91.4%  
CASH FLOW
From Operations Rs m-18,650348 -5,356.5%  
From Investments Rs m1,758-3 -55,626.6%  
From Financial Activity Rs m3,015-347 -869.9%  
Net Cashflow Rs m-13,878-2 907,045.8%  

Share Holding

Indian Promoters % 28.1 36.6 77.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 32.6 24.6 132.5%  
FIIs % 24.7 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 71.9 63.5 113.3%  
Shareholders   124,656 3,236 3,852.2%  
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    MANAPPURAM FINANCE    


More on PNB HOUSING FINANCE vs INDIA HOME LOANS

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 INDIA HOME LOANS Share Price Performance

Period PNB HOUSING FINANCE INDIA HOME LOANS
1-Day 1.41% -1.72%
1-Month 19.75% 13.68%
1-Year 81.54% -10.86%
3-Year CAGR 25.94% -6.14%
5-Year CAGR -1.34% -13.59%

* Compound Annual Growth Rate

Here are more details on the PNB HOUSING FINANCE share price and the INDIA HOME LOANS share price.

Moving on to shareholding structures...

The promoters of PNB HOUSING FINANCE hold a 28.1% stake in the company. In case of INDIA HOME LOANS the stake stands at 36.6%.

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 INDIA HOME LOANS.

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%.

INDIA HOME LOANS paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

You may visit here to review the dividend history of PNB HOUSING FINANCE, and the dividend history of INDIA HOME LOANS.

For a sector overview, read our finance sector report.



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