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

Investors are expected to be cautious with PNBHOUSING, as its revenues are projected to fall compared to last year. A decline in revenue often results in a negative impact on profitability, prompting concerns about the company's financial stability and making investors more conservative in their approach.

Financial Ratios:

currentRatio 0.000000
forwardPE 11.897665
debtToEquity 249.104000
earningsGrowth 0.425000
revenueGrowth 0.346000
grossMargins 0.989130
operatingMargins 0.749590
trailingEps 70.040000
forwardEps 67.900000

PNB Housing Finance Limited'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.
PNBHOUSING's elevated debt-to-equity ratio highlights its heavy reliance on debt. This high leverage increases the company's exposure to financial risk, making it more vulnerable to market fluctuations and economic downturns.
PNBHOUSING's positive earnings and revenue growth reflect an optimistic outlook for the company's future. The growth in these key areas indicates that PNBHOUSING is expected to continue expanding its business and boosting its financial performance in the coming periods.
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.
PNBHOUSING's forward EPS being less than its trailing EPS indicates the company may be less profitable this year than last. This signals potential challenges in maintaining earnings growth and could lead to concerns about future performance.

Price projections:

Price projections for PNBHOUSING
Price projections for PNBHOUSING

Price projections for PNBHOUSING have been revised downward over time, signaling decreasing optimism about the company's outlook. Analysts appear to be adjusting their expectations as concerns about future performance grow.

Recommendation changes over time:

Recommendations trend for PNBHOUSING
Recommendations trend for PNBHOUSING


Recent analysis shows a strong buy bias for PNB Housing Finance Limited, encouraging investors to view it as a solid investment option. The positive sentiment surrounding PNB Housing Finance Limited suggests it could be an attractive place to allocate funds, motivating potential investors to consider the stock as a valuable part of their portfolio.