How does NHFIL's PE Ratio compare to its peers?

NHFIL is expensive based on its Price-To-Earnings Ratio (54.8x) compared to the peer average (15.7x).

How does NHFIL's PE Ratio compare vs other companies in the Asian Diversified Financial Industry?

NHFIL is expensive based on its Price-To-Earnings Ratio (54.8x) compared to the Asian Diversified Financial industry average (19.6x).

What is NHFIL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate NHFIL's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of NHFIL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

NHFIL (BDT26.3) is trading above our estimate of [[fair value]] (BDT12.68)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

National Housing Finance (DSE:NHFIL) - Stock Price, News & Analysis

NHFIL Stock Overview

Operates as a housing finance company in Bangladesh. More details

NHFIL fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	1/6
Financial Health	5/6
Dividends	2/6

Risk Analysis

Earnings have declined by 16.4% per year over past 5 years

Profit margins (18.7%) are lower than last year (37.5%)

Does not have meaningful revenue (BDT301M)

Does not have a meaningful market cap (BDT3B)

+ 1 more risk

National Housing Finance PLC Competitors

DBH Finance

DSE:DBH

৳7.8b

IT Consultants

DSE:ITC

৳5.1b

IPDC Finance

DSE:IPDC

৳7.7b

United Finance

DSE:UNITEDFIN

৳2.7b

Price History & Performance

Summary of all time highs, changes and price drops for National Housing Finance
Historical stock prices
Current Share Price	৳26.30
52 Week High	৳44.00
52 Week Low	৳22.40
Beta	0.38
11 Month Change	6.05%
3 Month Change	-21.02%
1 Year Change	-37.08%
33 Year Change	-53.86%
5 Year Change	-25.50%
Change since IPO	-42.10%

Recent updates

Shareholder Returns

	NHFIL	BD Diversified Financial	BD Market
7D	0.4%	-1.5%	-0.6%
1Y	-37.1%	-47.8%	-19.5%

Return vs Industry: NHFIL exceeded the BD Diversified Financial industry which returned -47.4% over the past year.

Return vs Market: NHFIL underperformed the BD Market which returned -19.2% over the past year.

Price Volatility

Is NHFIL's price volatile compared to industry and market?
NHFIL volatility
NHFIL Average Weekly Movement	7.1%
Diversified Financial Industry Average Movement	7.1%
Market Average Movement	7.0%
10% most volatile stocks in BD Market	9.3%
10% least volatile stocks in BD Market	3.9%

Stable Share Price: NHFIL has not had significant price volatility in the past 3 months compared to the BD market.

Volatility Over Time: NHFIL's weekly volatility (7%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1998	193	Mohammad Islam	www.nationalhousingbd.com

National Housing Finance PLC operates as a housing finance company in Bangladesh. The company engages in the business of financing the acquisition, construction, development, and purchase of houses, plots, apartments, real estate, commercial spaces, etc. It also involved in accepting deposits, SME financing, project financing, lease financing, and term loan facility to the corporate, and other small and medium clients. It also provides home mortgage and term loans; and fixed and scheme deposit.

National Housing Finance PLC Fundamentals Summary

How do National Housing Finance's earnings and revenue compare to its market cap?
NHFIL fundamental statistics
Market cap	৳3.08b
Earnings (TTM)	৳56.21m
Revenue (TTM)	৳301.08m

54.8x

P/E Ratio

10.2x

P/S Ratio

Is NHFIL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
NHFIL income statement (TTM)
Revenue	৳301.08m
Cost of Revenue	৳10.77m
Gross Profit	৳290.31m
Other Expenses	৳234.10m
Earnings	৳56.21m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.48
Gross Margin	96.42%
Net Profit Margin	18.67%
Debt/Equity Ratio	64.6%

How did NHFIL perform over the long term?

See historical performance and comparison

Dividends

3.8%

Current Dividend Yield

208%

Payout Ratio

NHFIL Stock Overview

Risk Analysis

National Housing Finance PLC Competitors

DSE:DBH

৳7.8b

DSE:ITC

৳5.1b

DSE:IPDC

৳7.7b

DSE:UNITEDFIN

৳2.7b

Price History & Performance

Recent News & Updates

Third quarter 2024 earnings released: EPS: ৳0.31 (vs ৳0.41 in 3Q 2023)

Investor sentiment improves as stock rises 19%

National Housing Finance PLC to Report Q3, 2024 Results on Oct 29, 2024

Investor sentiment deteriorates as stock falls 17%

Upcoming dividend of ৳1.00 per share

New minor risk - Earnings quality

Recent updates

Third quarter 2024 earnings released: EPS: ৳0.31 (vs ৳0.41 in 3Q 2023)

Investor sentiment improves as stock rises 19%

National Housing Finance PLC to Report Q3, 2024 Results on Oct 29, 2024

Investor sentiment deteriorates as stock falls 17%

Upcoming dividend of ৳1.00 per share

New minor risk - Earnings quality

Second quarter 2024 earnings released

National Housing Finance and Investments Limited Recommends Dividend for the Year Ended December 31, 2023

National Housing Finance PLC, Annual General Meeting, Sep 25, 2024

National Housing Finance PLC to Report Fiscal Year 2023 Results on Jul 31, 2024

New minor risk - Share price stability

Investor sentiment improves as stock rises 15%

New minor risk - Financial data availability

Investor sentiment improves as stock rises 17%

Investor sentiment improves as stock rises 18%

Less than half of directors are independent

Less than half of directors are independent

Third quarter 2023 earnings released: EPS: ৳0.41 (vs ৳0.69 in 3Q 2022)

National Housing Finance and Investments Limited to Report Q3, 2023 Results on Oct 29, 2023

New major risk - Revenue and earnings growth

Second quarter 2023 earnings released: EPS: ৳0.53 (vs ৳0.58 in 2Q 2022)

National Housing Finance and Investments Limited to Report Q2, 2023 Results on Jul 27, 2023

Upcoming dividend of ৳1.50 per share at 3.6% yield

Full year 2022 earnings released: EPS: ৳2.25 (vs ৳2.23 in FY 2021)

Less than half of directors are independent

Investor sentiment improved over the past week

Investor sentiment improved over the past week

Second quarter 2022 earnings released: EPS: ৳0.58 (vs ৳0.56 in 2Q 2021)

National Housing Finance and Investments Limited Approves Dividend for the Year Ended December 31, 2021

National Housing Finance and Investments Limited, Annual General Meeting, Jun 02, 2022

Less than half of directors are independent

Upcoming dividend of ৳1.60 per share

Full year 2021 earnings released: EPS: ৳2.23 (vs ৳2.75 in FY 2020)

National Housing Finance and Investments Limited Recommends Cash Dividend for the Year Ended December 31, 2021

Investor sentiment improved over the past week

Investor sentiment deteriorated over the past week

Investor sentiment improved over the past week

Investor sentiment improved over the past week

Investor sentiment improved over the past week

First quarter 2021 earnings released: EPS ৳0.72 (vs ৳0.48 in 1Q 2020)

Upcoming dividend of ৳1.50 per share

New 90-day low: ৳32.00

New 90-day low: ৳35.00

Investor sentiment improved over the past week

Investor sentiment improved over the past week

New 90-day high: ৳41.60

New 90-day high: ৳39.10

National Housing Finance and Investments Limited Elects Mahbubur Rahman as Chairman and Syed M. Altaf Hussain as Vice Chairman

New 90-day high: ৳34.40

New 90-day high - ৳32.80

Upcoming Dividend of ৳1.00 Per Share

National Housing Finance and Investments Limited to Report Fiscal Year 2019 Results on Jul 23, 2020

Shareholder Returns

Price Volatility

About the Company

National Housing Finance PLC Fundamentals Summary

54.8x

10.2x

Earnings & Revenue

Dividends