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 is projected to see lower revenues than in the previous year, a trend that usually concerns investors. Declining revenues often harm a company's profitability, leading investors to exercise caution as they weigh the potential risks of continued financial downturns.

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 that it has more than enough liquidity to cover short-term debt obligations. The company's cash reserves and current assets are sufficient to meet immediate liabilities, signaling solid financial health and minimal risk.
PNBHOUSING's Forward PE is within a good range, showing that the stock price compares well to its earnings. This suggests it isn't overpriced and leaves room for growth, making the stock appealing to investors looking for value and growth opportunities.
PNBHOUSING's high debt-to-equity ratio points to a heavily leveraged company. With more debt than equity, PNBHOUSING may face increased financial risk, especially if its earnings or cash flow come under pressure.
PNB Housing Finance Limited's low earnings and revenue growth suggest that the company's profits may shrink. This trend could indicate underlying financial struggles and pose challenges for PNB Housing Finance Limited's future profitability.
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 is lower than its trailing EPS, indicating the company may experience reduced profitability. This signals that the company's earnings growth could slow down in the near future.

Price projections:

Price projections for PNBHOUSING
Price projections for PNBHOUSING

Price projections for PNB Housing Finance Limited have consistently been revised upward, suggesting that analysts are increasingly optimistic about the company's performance. This trend reflects a positive outlook for PNB Housing Finance Limited's future.

Recommendation changes over time:

Recommendations trend for PNBHOUSING
Recommendations trend for PNBHOUSING


A recent buy bias from analysts toward PNB Housing Finance Limited indicates strong confidence in the stock's future performance. This could encourage investors to park their money in PNB Housing Finance Limited, viewing it as a stable and potentially rewarding investment opportunity with promising long-term growth prospects.