PNB Housing Finance
BSE:540173
540173
BSE
₹147B
Market Cap
Company description
PNB Housing Finance Limited operates as a housing finance company in India. The last earnings update was 53 days ago. More info.
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540173 Share Price and Events
7 Day Returns
-3.2%
BSE:540173
4.1%
IN Mortgage
2.6%
IN Market
1 Year Returns
-24.5%
BSE:540173
0.4%
IN Mortgage
0.8%
IN Market
540173 Shareholder Return
| 7 Day | 30 Day | 90 Day | 1 Year | 3 Year | 5 Year | |
|---|---|---|---|---|---|---|
| PNB Housing Finance (540173) | -3.2% | -5.3% | -10.6% | -24.5% | - | - |
| IN Mortgage | 4.1% | 6.6% | -0.3% | 0.4% | 70.4% | 147.3% |
| IN Market | 2.6% | 7.7% | 2.5% | 0.8% | 45.6% | 83.2% |
1 Year Return vs Industry and Market
- 540173 underperformed the Mortgage industry which returned 0.4% over the past year.
- 540173 underperformed the Market in India which returned 0.8% over the past year.
540173 Value
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current
share
price of
PNB Housing Finance
to its discounted cash flow analysis.value.The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data
Our intrinsic value calculation method has changed recently, learn more here.
Below are the data sources, inputs and calculation used to determine the intrinsic value for PNB Housing Finance.
| Data Point | Source | Value |
|---|---|---|
| Valuation Model | Excess Returns Model | |
| Stable EPS |
Weighted future Return on Equity estimates from 10 analysts.
= Stable Book Value * Return on Equity = ₹519.82 * 16.5% |
₹85.73 |
| Book Value of Equity per Share | Weighted future Book Value estimates from 10 analysts. | ₹519.82 |
| Discount Rate (Cost of Equity) | See below | 24.8% |
| Perpetual Growth Rate | 10-Year IN Government Bond Rate | 7.6% |
An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.
| Data Point | Calculation/ Source | Result |
|---|---|---|
| Risk-Free Rate | 10-Year IN Govt Bond Rate | 7.6% |
| Equity Risk Premium | S&P Global | 8.6% |
| Mortgage Unlevered Beta | Simply Wall St/ S&P Global | 0.88 |
| Re-levered Beta | = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.881 (1 + (1- 35%) (348.38%)) |
2.258 |
| Levered Beta | Levered Beta limited to 0.8 to 2.0 (practical range for a stable firm) |
2 |
| Discount Rate/ Cost of Equity |
= Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 7.55% + (2 * 8.6%) |
24.75% |
Discounted Cash Flow Calculation for BSE:540173 using Excess Returns Model Model
The calculations below outline how an intrinsic value for PNB Housing Finance is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
Note the calculations below are per share.
See our documentation to learn about this calculation.
| Calculation | Result | |
|---|---|---|
| Excess Returns |
= (Stable Return on equity – Cost of equity) (Book Value of
Equity per share)
= (16.5% – 24.75%) * ₹519.82) |
₹-42.93 |
| Terminal Value of Excess Returns |
= Excess Returns / (Cost of Equity -
Expected Growth Rate)
= ₹-42.93 / (24.75% - 7.55%) |
₹-249.58 |
| Value of Equity |
= Book Value per share + Terminal Value of
Excess Returns
= ₹519.82 + ₹-249.58 |
₹270.24 |
| Calculation | Result | |
|---|---|---|
| Value per share (INR) | From above. | ₹270.24 |
| Current discount | Discount to share price of
₹848.30
= -1 x (₹848.30 - ₹270.24) / ₹270.24 |
-213.9% |
Learn more about our DCF calculations in Simply Wall St’s analysis model .
- The current share price of PNB Housing Finance is above its future cash flow value.
Often investors are willing to pay a
premium
for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.The amount the stock market is willing to pay for PNB Housing Finance's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are
PNB Housing Finance's earnings available for a low price, and how does
this compare to other companies in the same industry?
Raw Data
| Data Point | Source | Value |
|---|---|---|
| Earnings Per Share * | Company Filings (2018-12-31) in INR | ₹62.91 |
| BSE:540173 Share Price ** | BSE (2019-03-18) in INR | ₹848.3 |
| India Mortgage Industry PE Ratio | Median Figure of 12 Publicly-Listed Mortgage Companies | 13.7x |
| India Market PE Ratio | Median Figure of 2,728 Publicly-Listed Companies | 16.62x |
* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.
** Primary Listing of PNB Housing Finance.
| Calculation | Outcome | |
|---|---|---|
| PE Ratio | = BSE:540173 Share Price ÷ EPS (both in INR) = 848.3 ÷ 62.91 |
13.48x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- PNB Housing Finance is good value based on earnings compared to the IN Mortgage industry average.
- PNB Housing Finance is good value based on earnings compared to the India market.
Price based on expected Growth
Does
PNB Housing Finance's expected growth come at a high price?
Raw Data
| Data Point | Source | Value |
|---|---|---|
| PE Ratio | See PE Ratio Section | 13.48x |
| Net Income Annual Growth Rate | See Future Growth Section. Line of Best Fit* through Consensus Estimate Earnings of 10 Analysts |
23.9%per year |
| India Mortgage Industry PEG Ratio | Median Figure of 5 Publicly-Listed Mortgage Companies | 0.58x |
| India Market PEG Ratio | Median Figure of 598 Publicly-Listed Companies | 1.27x |
*Line of best fit is calculated by linear regression .
| Calculation | Outcome | |
|---|---|---|
| PEG Ratio | = PE Ratio ÷ Net Income Annual Growth Rate = 13.48x ÷ 23.9% |
0.56x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- PNB Housing Finance is good value based on expected growth next year.
Price based on value of assets
What value do investors place on
PNB Housing Finance's
assets?
Raw Data
| Data Point | Source | Value |
|---|---|---|
| Book Value per Share | Company Filings (2018-12-31) in INR | ₹413.28 |
| BSE:540173 Share Price * | BSE (2019-03-18) in INR | ₹848.3 |
| India Mortgage Industry PB Ratio | Median Figure of 14 Publicly-Listed Mortgage Companies | 2.03x |
| India Market PB Ratio | Median Figure of 3,613 Publicly-Listed Companies | 1.12x |
| Calculation | Outcome | |
|---|---|---|
| PB Ratio | = BSE:540173 Share Price ÷ Book Value per Share (both in INR) = 848.3 ÷ 413.28 |
2.05x |
* Primary Listing of PNB Housing Finance.
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- PNB Housing Finance is overvalued based on assets compared to the IN Mortgage industry average.
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Value checks
We assess PNB Housing Finance's value by looking at:- Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
- Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
- Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
- Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check) PNB Housing Finance has a total score of 3/6, see the detailed checks below.
Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.
Full details on the Value part of the Simply Wall St company analysis model.
540173 Future Performance
The future performance of a company is measured in the same way as past
performance, by looking at estimated
growth
and how much profit it is expected to make.Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
23.9%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is
PNB Housing Finance
expected to grow at an
attractive
rate?
- PNB Housing Finance's earnings growth is expected to exceed the low risk savings rate of 7.6%.
Growth vs Market Checks
- PNB Housing Finance's earnings growth is expected to exceed the India market average.
- PNB Housing Finance's revenue growth is expected to exceed the India market average.
Annual Growth Rates Comparison
Raw Data
| Data Point | Source | Value (per year) |
|---|---|---|
| BSE:540173 Future Earnings Growth Rate | Line of Best Fit* through Consensus Estimate Earnings of 10 Analysts | 23.9% |
| BSE:540173 Future Revenue Growth Rate | Line of Best Fit* through Consensus Estimate Revenue of 10 Analysts | 22% |
| India Mortgage Industry Earnings Growth Rate | Market Cap Weighted Average | -3% |
| India Mortgage Industry Revenue Growth Rate | Market Cap Weighted Average | -20.9% |
| India Market Earnings Growth Rate | Market Cap Weighted Average | 18.5% |
| India Market Revenue Growth Rate | Market Cap Weighted Average | 11.9% |
*Line of best fit is calculated by linear regression .
Industry and Market average data is calculated daily.
Learn more about our growth rate calculations in Simply Wall St’s analysis model.
Analysts growth expectations
Raw Data
All numbers in INR Millions and using
Trailing twelve months (TTM)
annual period rather than quarterly.
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (2 months ago) | See Below |
| Future Estimates | Average of up to 10 Analyst Estimates (S&P Global) | See Below |
| Date (Data in INR Millions) | Revenue | Cash Flow | Net Income * | Avg. No. Analysts |
|---|---|---|---|---|
| 2021-03-31 | 37,844 | 17,245 | 8 | |
| 2020-03-31 | 30,622 | 13,804 | 8 | |
| 2019-03-31 | 24,669 | 10,889 | 6 |
| Date (Data in INR Millions) | Revenue | Cash Flow | Net Income * |
|---|---|---|---|
| 2018-12-31 | 24,427 | 10,516 | |
| 2018-09-30 | 22,520 | 9,781 | |
| 2018-06-30 | 20,867 | 9,005 | |
| 2018-03-31 | 19,735 | -156,733 | 8,294 |
| 2017-12-31 | 17,484 | 7,626 | |
| 2017-09-30 | 15,858 | 6,829 | |
| 2017-06-30 | 14,643 | 6,126 | |
| 2017-03-31 | 12,999 | -124,065 | 5,237 |
| 2016-12-31 | 11,378 | 4,750 | |
| 2016-09-30 | 10,495 | 4,275 | |
| 2016-06-30 | 9,698 | -111,773 | 3,672 |
| 2016-03-31 | 8,304 | -96,645 | 3,265 |
*GAAP earnings excluding extraordinary items.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Raw Data
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (2 months ago) | See Below |
| Future Estimates | Average of up to 10 Analyst Estimates (S&P Global) | See Below |
All data from PNB Housing Finance Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in INR Millions) | EPS * | EPS High Estimate | EPS Low Estimate | Avg. No. Analysts |
|---|---|---|---|---|
| 2021-03-31 | 103.88 | 114.97 | 90.00 | 7.00 |
| 2020-03-31 | 80.57 | 86.20 | 69.80 | 8.00 |
| 2019-03-31 | 65.22 | 68.60 | 61.90 | 6.00 |
| Date (Data in INR Millions) | EPS * |
|---|---|
| 2018-12-31 | 62.91 |
| 2018-09-30 | 58.59 |
| 2018-06-30 | 54.01 |
| 2018-03-31 | 49.82 |
| 2017-12-31 | 45.81 |
| 2017-09-30 | 42.06 |
| 2017-06-30 | 40.18 |
| 2017-03-31 | 36.72 |
| 2016-12-31 | 35.78 |
| 2016-09-30 | 33.23 |
| 2016-06-30 | 28.93 |
| 2016-03-31 | 27.48 |
*GAAP earnings excluding extraordinary items.
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PNB Housing Finance has a total score of 5/6, see the detailed checks below.
Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.
Full details on the Future part of the Simply Wall St company analysis model.
Future performance checks
We assess PNB Housing Finance's future performance by looking at:- Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
- Is the annual earnings growth rate expected to beat the average growth rate in earnings of the India market? (1 check)
- Is the annual revenue growth rate expected to beat the average growth rate in revenue of the India market? (1 check)
- Is the annual earnings growth rate expected to be above 20%? (1 check)
- Is the annual revenue growth rate expected to be above 20%? (1 check)
- Is the Return on Equity in 3 years expected to be over 20%? (1 check)
PNB Housing Finance has a total score of 5/6, see the detailed checks below.
Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.
Full details on the Future part of the Simply Wall St company analysis model.
540173 Past Performance
How has PNB Housing Finance performed over the past 5 years?
The past performance of a company can be measured by how much
growth
it has experienced and how much profit it makes relative to the funds and assets
it has available.
Past earnings growth
Below we compare
PNB Housing Finance's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it
has maintained that growth in the year.
- PNB Housing Finance has delivered over 20% year on year earnings growth in the past 5 years.
- PNB Housing Finance's 1-year earnings growth is less than its 5-year average (37.9% vs 41.8%)
- PNB Housing Finance's earnings growth has exceeded the IN Mortgage industry average in the past year (37.9% vs 22%).
Earnings and Revenue History
PNB Housing Finance's
revenue
and
profit
over the past 5 years is shown below, any years where they have experienced a
loss will show up in red.
Raw Data
All data from PNB Housing Finance Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in INR Millions) | Revenue | Net Income * | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 2018-12-31 | 24,427.30 | 10,515.90 | 4,113.10 | |
| 2018-09-30 | 22,520.40 | 9,780.70 | 3,670.40 | |
| 2018-06-30 | 20,867.10 | 9,004.50 | 3,189.80 | |
| 2018-03-31 | 19,734.50 | 8,294.10 | 2,973.20 | |
| 2017-12-31 | 17,484.00 | 7,626.00 | 2,258.10 | |
| 2017-09-30 | 15,857.50 | 6,829.20 | 2,159.20 | |
| 2017-06-30 | 14,643.30 | 6,125.80 | 2,094.20 | |
| 2017-03-31 | 12,999.40 | 5,237.30 | 2,026.20 | |
| 2016-12-31 | 11,378.28 | 4,749.86 | 1,707.69 | |
| 2016-09-30 | 10,495.38 | 4,275.16 | 1,660.09 | |
| 2016-06-30 | 9,697.99 | 3,671.94 | 1,821.58 | |
| 2016-03-31 | 8,304.10 | 3,264.70 | 1,564.90 | |
| 2015-12-31 | 6,954.24 | 2,789.60 | 1,354.56 | |
| 2015-09-30 | 6,318.97 | 2,423.40 | 1,315.36 | |
| 2015-06-30 | 5,343.87 | 2,112.10 | 1,280.16 | |
| 2015-03-31 | 5,229.14 | 1,940.70 | 1,239.36 | |
| 2014-12-31 | 4,344.44 | 1,783.63 | 809.28 | |
| 2014-09-30 | 3,671.34 | 1,582.03 | 761.98 | |
| 2014-06-30 | 3,316.24 | 1,404.38 | 671.43 | |
| 2014-03-31 | 3,048.01 | 1,296.97 | 786.03 | |
| 2013-12-31 | 639.68 | 1,132.96 | 494.57 | |
| 2013-09-30 | 2,366.67 | 1,069.81 | 399.75 | |
| 2013-06-30 | 2,150.62 | 992.46 | 374.60 | |
| 2013-03-31 | 1,992.31 | 928.20 | 471.97 | |
| 2012-03-31 | 1,441.01 | 774.46 | 293.86 |
*GAAP earnings excluding extraordinary items.
Performance last year
We want to ensure a company is making the most of what it has available. This is
done by comparing the return (profit) to a company's available
funds,
assets
and
capital.
- PNB Housing Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- PNB Housing Finance used its assets less efficiently than the IN Mortgage industry average last year based on Return on Assets.
- Unable to establish if PNB Housing Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
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PNB Housing Finance has a total score of 2/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Full details on the Past part of the Simply Wall St company analysis model.
Past performance checks
We assess PNB Housing Finance's performance over the past 5 years by checking for:- Has earnings increased in past 5 years? (1 check)
- Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
- Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
- Is the Return on Equity (ROE) higher than 20%? (1 check)
- Is the Return on Assets (ROA) above industry average? (1 check)
- Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
PNB Housing Finance has a total score of 2/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Full details on the Past part of the Simply Wall St company analysis model.
540173 Health
This company is a bank or financial institution.Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Balance sheet
This treemap shows a more detailed breakdown of
PNB Housing Finance's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t
bad,
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data
All data from PNB Housing Finance Company Filings, last reported 2 months ago.
| Date (Data in INR Millions) | Total Equity | Total Debt | Cash & Short Term Investments |
|---|---|---|---|
| 2018-12-31 | 69,196.30 | 511,154.40 | 42,013.20 |
| 2018-09-30 | 69,196.30 | 511,154.40 | 42,013.20 |
| 2018-06-30 | 63,055.40 | 555,302.80 | 28,169.30 |
| 2018-03-31 | 63,055.40 | 555,302.80 | 28,169.30 |
| 2017-12-31 | 58,802.30 | 470,905.80 | 4,313.00 |
| 2017-09-30 | 58,802.30 | 470,905.80 | 4,313.00 |
| 2017-06-30 | 55,773.10 | 362,748.80 | 1,514.70 |
| 2017-03-31 | 55,773.10 | 362,748.80 | 1,514.70 |
| 2016-12-31 | 23,794.50 | 325,489.80 | 11,190.30 |
| 2016-09-30 | 23,794.50 | 325,489.80 | 11,190.30 |
| 2016-06-30 | 22,404.78 | 305,661.30 | 19,754.72 |
| 2016-03-31 | 21,459.00 | 267,196.80 | 2,485.40 |
| 2015-12-31 | |||
| 2015-09-30 | 20,148.00 | 214,276.50 | 6,968.00 |
| 2015-06-30 | 16,376.10 | 192,311.80 | 5,877.00 |
| 2015-03-31 | 15,787.27 | 167,944.88 | 2,931.42 |
| 2014-12-31 | 12,180.20 | 134,876.40 | 1,820.30 |
| 2014-09-30 | 12,180.20 | 134,876.40 | 1,820.30 |
| 2014-06-30 | 9,759.40 | 119,961.40 | 2,552.60 |
| 2014-03-31 | 9,341.38 | 102,886.32 | 1,384.22 |
| 2013-12-31 | |||
| 2013-09-30 | |||
| 2013-06-30 | 6,207.96 | 68,923.57 | 1,884.89 |
| 2013-03-31 | 6,180.36 | 68,269.36 | 1,280.39 |
| 2012-03-31 | 3,998.98 | 39,254.83 | 114.23 |
BANK ANALYSIS
This company is a bank or financial institution, which is analysed accordingly below.
Below we check the amount of loans the bank has, how many of those are
bad, and its ability to cover any bad loans.
- Unable to establish if PNB Housing Finance has an acceptable proportion of non-loan assets without balance sheet data.
- Unable to establish if PNB Housing Finance's liabilities are primarily made up of low risk funding sources without deposits or liabilities data.
- PNB Housing Finance reports no customer deposits, loans are made up entirely of borrowed funds.
- PNB Housing Finance's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
- Unable to establish if PNB Housing Finance has a sufficient allowance for bad loans without relevant financial data.
- Unable to establish if PNB Housing Finance has an acceptable level of bad loans without bad loans data.
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Full details on the Health part of the Simply Wall St company analysis model.
Financial health checks
We assess PNB Housing Finance's financial health by checking for:- Are short term assets greater than short term liabilities? (1 check)
- Are short term assets greater than long term liabilities? (1 check)
- Has the debt to equity ratio increased in the past 5 years? (1 check)
- Is the debt to equity ratio over 40%? (1 check)
- Is the debt covered by operating cash flow? (1 check)
- Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check) PNB Housing Finance has a total score of 1/6, see the detailed checks below.
- Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
- Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
Full details on the Health part of the Simply Wall St company analysis model.
540173 Dividends
What is PNB Housing Finance's current dividend yield, its reliability and sustainability?
Dividends are regular cash payments to you from the company, similar to a
bank paying you interest on a savings account.
Annual Dividend Income
1.06%
Current annual income from
PNB Housing Finance
dividends.
Estimated to be
1.52%
next year.
If you bought
₹2,000 of
PNB Housing Finance
shares you are expected to receive
₹21
in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you
can get in a
savings account?
It is up there with the
best dividend paying companies?
- PNB Housing Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.5%).
- PNB Housing Finance's dividend is below the markets top 25% of dividend payers in India (1.88%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not
wildly increasing/decreasing each year. This graph shows you the historical rate
to count toward your assessment of the stock.We also check to see if the dividend has increased in the past 10 years.
Raw Data
| Data Point | Source | Value |
|---|---|---|
| Past Annualized Dividend Yield | S&P Global Market Data | See Below |
| Past Dividends per Share | Company Filings/ Annualized Dividend Payments | See Below |
| Future Dividends per Share Estimates | Average of up to 10 Analyst Estimates (S&P Global) | See Below |
| India Mortgage Industry Average Dividend Yield | Market Cap Weighted Average of 8 Stocks | 1.3% |
| India Market Average Dividend Yield | Market Cap Weighted Average of 1400 Stocks | 1.4% |
| India Minimum Threshold Dividend Yield | 10th Percentile | 0.3% |
| India Bottom 25% Dividend Yield | 25th Percentile | 0.5% |
| India Top 25% Dividend Yield | 75th Percentile | 1.9% |
Industry and Market average data is calculated daily.
Note all dividend per share amounts are annualized and not quarterly or other period.
| Date (Data in ₹) | Dividend per Share (annual) | Avg. No. Analysts |
|---|---|---|
| 2021-03-31 | 15.22 | 7.00 |
| 2020-03-31 | 12.62 | 7.00 |
| 2019-03-31 | 9.89 | 5.00 |
| Date (Data in ₹) | Dividend per share (annual) | Avg. Yield (%) |
|---|---|---|
| 2018-07-03 | 9.000 | 0.905 |
| 2018-05-03 | 9.000 | 0.752 |
| 2017-07-11 | 6.000 | 0.437 |
| 2016-11-07 | 3.400 | 0.319 |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Whilst dividend payments have been stable, PNB Housing Finance has been paying a dividend for less than 10 years.
- Dividend payments have increased, but PNB Housing Finance only paid a dividend in the past 2 years.
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Full details on the Dividends part of the Simply Wall St company analysis model.
Income/ dividend checks
We assess PNB Housing Finance's dividend by checking for:- Firstly is the company paying a notable dividend (greater than 0.3%) - if not then the rest of the checks are ignored.
- Is current dividend yield above the bottom 25% of dividend payers? (1 check)
- Is current dividend yield above the top 25% of dividend payers? (1 check)
- Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
- If they have paid a dividend for 10 years has it increased in this time? (1 check)
- How sustainable is the dividend, can PNB Housing Finance afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks) PNB Housing Finance has a total score of 3/6, see the detailed checks below.
Full details on the Dividends part of the Simply Wall St company analysis model.
540173 Management
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
CEO
Sanjaya
Gupta
| COMPENSATION | ₹21,606,510 |
| AGE | 54 |
| TENURE AS CEO | 8.8 years |
CEO Bio
Mr. Sanjaya Gupta has been the Managing Director and an Executive Director of PNB Housing Finance Limited since June 25, 2010. Mr. Gupta is responsible for the day to day administration and operations of PNB Housing Finance Limited. He serves as Managing Director of Nexus Venture Partners. His professional career started with HDFC Ltd. in 1987 as a Management Trainee. He worked there for 16 years in various geographies at a variety of strategic and functional positions lastly assignment with HDFC was as the Head of Business Development & Distribution. He worked with ABN AMRO Bank NV as India Business Head of Retail Mortgages and later got elevated as the Mortgage Operations Head for North America and other geographies. He also worked with Indian Shelter Finance corp Limited. His last assignment before PNBHFL was with United Guarantee (AIG Inc.) as the Country Head for India, a joint venture of NHB, ABD and IFC Washington DC. Throughout his career spanning over 32 years, he has been contributing to the ontogenesis of mortgage industry and allied risk management products across India. He has a distinction of establishing international housing finance branch operations for HDFC Ltd., which is also the industry's first. He is often consulted by the policy makers on key changes in the sector. He serves as a Director of India Shelter Finance Corporation Ltd. He served as a Nominee Director of Satin Creditcare Network Limited since August 21, 2017 until October 15, 2018. He serves as ADB nominated Director on the Board of HDFC Plc, Maldives. He is also a Fellow of the Royal Institution of Chartered Surveyors. Mr. Gupta holds a Post Graduate Degree in Business Management.
CEO Compensation
- Sanjaya's compensation has increased by more than 20% in the past year.
- Sanjaya's remuneration is lower than average for companies of similar size in India.
Management Team
Sanjaya Gupta
TITLE
MD & Director
COMPENSATION
₹22M
AGE
54
TENURE
8.8 yrs
Kapish Jain
TITLE
Chief Financial Officer
COMPENSATION
₹11M
TENURE
1.1 yrs
Sanjay Jain
TITLE
Head of Compliance & Company Secretary
COMPENSATION
₹6M
AGE
53
Nitant Desai
TITLE
Chief Operations & Technology Officer
COMPENSATION
₹8M
AGE
55
Krishan Gopal
TITLE
Chief Manager F & A
Deepika Padhi
TITLE
Head of Investor Relations
Devesh Shukla
TITLE
Vice President of Law
Anshul Bhargava
TITLE
Chief People Officer
COMPENSATION
₹7M
AGE
51
D.K. Sonakya
TITLE
Senior Vice President of Information Technology
O. Madan
TITLE
Senior Vice President of GAD
Board of Directors Tenure
Average tenure and age of the PNB Housing Finance board of directors in years:
2.9
Average Tenure
59
Average Age
- The average tenure for the PNB Housing Finance board of directors is less than 3 years, this suggests a new board.
Board of Directors
Sunil Mehta
TITLE
Chairman of the Board
COMPENSATION
₹300K
AGE
59
TENURE
1.8 yrs
Sanjaya Gupta
TITLE
MD & Director
COMPENSATION
₹22M
AGE
54
TENURE
8.8 yrs
Shital Jain
TITLE
Independent Director
COMPENSATION
₹3M
AGE
78
TENURE
4.6 yrs
Ramakrishnan Chandrasekaran
TITLE
Independent Director
COMPENSATION
₹2M
AGE
60
TENURE
3.4 yrs
Gourav Vallabh
TITLE
Independent Director
COMPENSATION
₹2M
AGE
41
TENURE
2.9 yrs
Shubhalakshmi Panse
TITLE
Independent Director
COMPENSATION
₹1M
AGE
64
TENURE
1.7 yrs
Sunil Kaul
TITLE
Non-Executive Director
AGE
58
TENURE
4 yrs
Nilesh Vikamsey
TITLE
Independent Director
COMPENSATION
₹2M
AGE
54
TENURE
2.9 yrs
Ashwani Gupta
TITLE
Non-Executive Independent Director
COMPENSATION
₹2M
AGE
64
TENURE
1.8 yrs
Lingam Prabhakar
TITLE
Non-Executive Director
TENURE
0.6 yrs
Who owns this company?
Recent Insider Transactions
| Announced | Type | Name | Entity | Role | Start | End | Shares | Max Price (₹) | Value (₹) | |
|---|---|---|---|---|---|---|---|---|---|---|
| 11. Mar 19 | Sell | Ashish Sharma | Individual | 11. Jul 18 | 25. Jul 18 | -4,500 | ₹1,270.50 | ₹-5,627,578 | ||
| 06. Mar 19 | Sell | Bhaskara Satyanarayan | Individual | 05. Mar 19 | 05. Mar 19 | -2,000 | ₹922.00 | ₹-1,844,000 | ||
| 04. Mar 19 | Sell | Rajesh Banerjee | Individual | 26. Feb 19 | 27. Feb 19 | -1,800 | ₹925.00 | ₹-1,642,702 | ||
| 18. Feb 19 | Sell | Bhaskara Satyanarayan | Individual | 04. Feb 19 | 04. Feb 19 | -2,000 | ₹919.00 | ₹-1,838,000 | ||
| 12. Feb 19 | Sell | Vinod Reddy | Individual | 07. Feb 19 | 08. Feb 19 | -8,063 | ₹983.13 | ₹-7,925,744 | ||
| 12. Feb 19 | Sell | Vimal Chawla | Individual | 07. Feb 19 | 07. Feb 19 | -500 | ₹981.02 | ₹-490,510 | ||
| 12. Feb 19 | Sell | Ravi Arora | Individual | 07. Feb 19 | 07. Feb 19 | -1,000 | ₹980.00 | ₹-980,000 | ||
| 31. Jan 19 | Sell | Ajay Gupta | Individual | 30. Jan 19 | 30. Jan 19 | -2,000 | ₹916.03 | ₹-1,832,055 | ||
| 07. Jan 19 | Sell | Rajan Suri | Individual | 03. Jan 19 | 03. Jan 19 | -1,000 | ₹921.04 | ₹-921,040 | ||
| 07. Dec 18 | Sell | Bhavnish Parashar | Individual | 27. Jul 18 | 21. Aug 18 | -4,520 | ₹1,389.33 | ₹-6,225,443 | ||
| 03. Dec 18 | Sell | Jatul Anand | Individual | 25. Jun 18 | 27. Nov 18 | -1,500 | ₹1,268.44 | ₹-1,346,199 | ||
| 22. Nov 18 | Sell | Nilay Bhargava | Individual | 23. Oct 18 | 14. Nov 18 | -2,999 | ₹999.00 | ₹-2,714,312 | ||
| 19. Nov 18 | Sell | Anshul Bhargava | Individual | 15. Nov 18 | 15. Nov 18 | -5,000 | ₹1,000.00 | ₹-5,000,000 | ||
| 19. Nov 18 | Sell | Ajay Gupta | Individual | 01. Oct 18 | 14. Nov 18 | -1,827 | ₹999.95 | ₹-1,680,834 | ||
| 17. Nov 18 | Sell | Brajendra Pathak | Individual | 25. Oct 18 | 25. Oct 18 | -1,630 | ₹703.50 | ₹-1,146,697 | ||
| 17. Nov 18 | Sell | Sushant Kumar | Individual | 30. Oct 18 | 02. Nov 18 | -3,677 | ₹845.00 | ₹-3,027,458 | ||
| 14. Nov 18 | Sell | Prabhat Tiwari | Individual | 02. Nov 18 | 02. Nov 18 | -2,000 | ₹854.24 | ₹-1,708,482 | ||
| 06. Nov 18 | Sell | Shaji Varghese | Individual | 30. Oct 18 | 30. Oct 18 | -1,672 | ₹729.98 | ₹-1,220,532 | ||
| 16. Oct 18 | Sell | Pankaj Jain | Individual | 01. Oct 18 | 12. Oct 18 | -16,000 | ₹912.89 | ₹-14,228,702 | ||
| 16. Oct 18 | Sell | Anang Saket | Individual | 04. Oct 18 | 04. Oct 18 | -1,500 | ₹850.00 | ₹-1,275,000 | ||
| 16. Oct 18 | Sell | Deepak Bisnal | Individual | 29. Sep 18 | 29. Sep 18 | -1,600 | ₹885.56 | ₹-1,416,891 | ||
| 05. Oct 18 | Sell | Vinod Reddy | Individual | 28. Sep 18 | 28. Sep 18 | -8,750 | ₹906.02 | ₹-7,927,647 | ||
| 01. Oct 18 | Sell | Saurabh Bandi | Individual | 24. Sep 18 | 24. Sep 18 | -11,385 | ₹1,106.94 | ₹-12,602,515 | ||
| 31. Aug 18 | Sell | Ravi Arora | Individual | 21. Aug 18 | 21. Aug 18 | -500 | ₹1,393.76 | ₹-696,879 | ||
| 31. Aug 18 | Sell | Rajesh Banerjee | Individual | 21. Aug 18 | 27. Aug 18 | -1,750 | ₹1,406.48 | ₹-2,448,945 | ||
| 31. Aug 18 | Sell | K Nathan | Individual | 27. Aug 18 | 27. Aug 18 | -3,500 | ₹1,402.68 | ₹-4,909,380 | ||
| 31. Aug 18 | Sell | Sumant Chadha | Individual | 24. Aug 18 | 24. Aug 18 | -202 | ₹1,400.00 | ₹-282,800 | ||
| 29. Aug 18 | Sell | Vimal Chawla | Individual | 27. Aug 18 | 27. Aug 18 | -500 | ₹1,404.03 | ₹-702,015 | ||
| 29. Aug 18 | Sell | Ritu Marathe | Individual | 27. Aug 18 | 27. Aug 18 | -370 | ₹1,398.60 | ₹-517,482 | ||
| 29. Aug 18 | Sell | Jasbir Singh | Individual | 27. Aug 18 | 27. Aug 18 | -1,000 | ₹1,400.00 | ₹-1,400,000 | ||
| 27. Aug 18 | Sell | Kanika Chawla | Individual | 21. Aug 18 | 23. Aug 18 | -1,200 | ₹1,417.00 | ₹-1,665,465 | ||
| 24. Aug 18 | Sell | K Nathan | Individual | 23. Aug 18 | 23. Aug 18 | -853 | ₹1,415.66 | ₹-1,207,558 | ||
| 24. Aug 18 | Sell | K Nathan | Individual | 21. Aug 18 | 21. Aug 18 | -300 | ₹1,390.00 | ₹-417,000 | ||
| 12. Jun 18 | Sell | Pankaj Jain | Individual | 07. Jun 18 | 07. Jun 18 | -5,000 | ₹1,150.00 | ₹-5,750,000 | ||
| 12. Jun 18 | Sell | Pankaj Jain | Individual | 07. Jun 18 | 07. Jun 18 | -5,000 | ₹1,150.00 | ₹-5,750,000 | ||
| 23. Aug 18 | Sell | Ritu Marathe | Individual | 20. Aug 18 | 20. Aug 18 | -1,300 | ₹1,364.94 | ₹-1,774,423 | ||
| 22. Aug 18 | Sell | Rajan Suri | Individual | 30. Jun 18 | 20. Aug 18 | -3,020 | ₹1,367.64 | ₹-3,802,707 | ||
| 22. Aug 18 | Sell | K Nathan | Individual | 25. Jun 18 | 20. Aug 18 | -3,750 | ₹1,381.30 | ₹-5,025,997 | ||
| 23. Aug 18 | Sell | Ritu Marathe | Individual | 21. Aug 18 | 21. Aug 18 | -800 | ₹1,387.99 | ₹-1,110,389 | ||
| 17. Aug 18 | Sell | Vimal Chawla | Individual | 17. Aug 18 | 17. Aug 18 | -500 | ₹1,333.38 | ₹-666,690 | ||
| 28. Jul 18 | Sell | Jitendra Prasad | Individual | 26. Jul 18 | 26. Jul 18 | -1,033 | ₹1,300.00 | ₹-1,342,900 | ||
| 24. Jul 18 | Sell | Vimal Chawla | Individual | 20. Jul 18 | 20. Jul 18 | -500 | ₹1,241.11 | ₹-620,555 | ||
| 24. Jul 18 | Sell | Saurabh Bandi | Individual | 20. Jul 18 | 20. Jul 18 | -400 | ₹1,247.66 | ₹-499,063 | ||
| 24. Jul 18 | Sell | Ajay Gupta | Individual | 20. Jul 18 | 20. Jul 18 | -1,512 | ₹1,255.99 | ₹-1,899,052 | ||
| 17. Jul 18 | Sell | Arun Garg | Individual | 11. Jul 18 | 12. Jul 18 | -300 | ₹1,253.40 | ₹-375,340 | ||
| 17. Jul 18 | Sell | Saurabh Bandi | Individual | 12. Jul 18 | 17. Jul 18 | -750 | ₹1,229.00 | ₹-911,057 | ||
| 17. Jul 18 | Sell | Prasad Makuloor | Individual | 11. Jul 18 | 11. Jul 18 | -1,902 | ₹1,265.01 | ₹-2,406,049 | ||
| 13. Jul 18 | Sell | Ashutosh Sharma | Individual | 11. Jul 18 | 11. Jul 18 | -1,000 | ₹1,260.58 | ₹-1,260,580 | ||
| 13. Jul 18 | Sell | Jitendra Prasad | Individual | 11. Jul 18 | 11. Jul 18 | -2,800 | ₹1,266.65 | ₹-3,546,620 | ||
| 13. Jul 18 | Sell | Sanjay Jain | Individual | 11. Jul 18 | 11. Jul 18 | -5,421 | ₹1,259.83 | ₹-6,829,512 | ||
| 05. Jul 18 | Sell | Ritesh Saxena | Individual | 25. Jun 18 | 25. Jun 18 | -3,485 | ₹1,225.00 | ₹-4,269,125 | ||
| 05. Jul 18 | Sell | Om Malik | Individual | 12. Jun 18 | 25. Jun 18 | -3,000 | ₹1,223.35 | ₹-3,533,706 | ||
| 10. Jul 18 | Sell | Arun Garg | Individual | 15. May 18 | 06. Jul 18 | -1,849 | ₹1,299.45 | ₹-2,293,938 | ||
| 06. Jul 18 | Sell | Gurmeet Singh | Individual | 07. May 18 | 06. Jul 18 | -839 | ₹1,408.68 | ₹-1,036,083 | ||
| 04. Jul 18 | Sell | Shaji Varghese | Individual | 28. Jun 18 | 28. Jun 18 | -10,000 | ₹1,215.78 | ₹-12,157,839 | ||
| 29. Jun 18 | Sell | Anshul Bhargava | Individual | 25. May 18 | 26. May 18 | -10,000 | ₹1,212.18 | ₹-12,110,900 | ||
| 29. Jun 18 | Sell | Nitant Desai | Individual | 25. May 18 | 26. May 18 | -18,100 | ₹1,214.86 | ₹-21,683,892 | ||
| 27. Jun 18 | Sell | Satish Singh | Individual | 25. May 18 | 25. May 18 | -4,000 | ₹1,206.87 | ₹-4,827,500 | ||
| 27. Jun 18 | Sell | Satish Singh | Individual | 25. Jun 18 | 25. Jun 18 | -4,000 | ₹1,206.87 | ₹-4,827,500 | ||
| 27. Jun 18 | Sell | Vimal Chawla | Individual | 25. May 18 | 25. May 18 | -500 | ₹1,233.00 | ₹-616,500 | ||
| 27. Jun 18 | Sell | Saurabh Bandi | Individual | 25. May 18 | 25. May 18 | -1,000 | ₹1,173.75 | ₹-1,173,750 | ||
| 27. Jun 18 | Sell | Ajay Gupta | Individual | 25. May 18 | 25. May 18 | -4,000 | ₹1,218.75 | ₹-4,875,000 | ||
| 27. Jun 18 | Sell | Sanjay Jain | Individual | 25. May 18 | 25. May 18 | -10,000 | ₹1,180.00 | ₹-11,800,000 | ||
| 27. Jun 18 | Sell | Vimal Chawla | Individual | 25. Jun 18 | 25. Jun 18 | -500 | ₹1,233.00 | ₹-616,500 | ||
| 27. Jun 18 | Sell | Saurabh Bandi | Individual | 25. Jun 18 | 25. Jun 18 | -1,000 | ₹1,173.75 | ₹-1,173,750 | ||
| 27. Jun 18 | Sell | Ajay Gupta | Individual | 25. Jun 18 | 25. Jun 18 | -4,000 | ₹1,218.75 | ₹-4,875,000 | ||
| 27. Jun 18 | Sell | Sanjay Jain | Individual | 25. Jun 18 | 25. Jun 18 | -10,000 | ₹1,180.00 | ₹-11,799,999 | ||
| 22. Jun 18 | Sell | Ashutosh Sharma | Individual | 18. May 18 | 18. May 18 | -1,000 | ₹1,104.51 | ₹-1,104,510 | ||
| 22. Jun 18 | Sell | Ajay Gupta | Individual | 21. Jun 18 | 21. Jun 18 | -1,000 | ₹1,110.00 | ₹-1,110,000 | ||
| 20. Jun 18 | Sell | Chandra Sahu | Individual | 14. Jun 18 | 14. Jun 18 | -2,000 | ₹1,120.00 | ₹-2,240,000 | ||
| 15. Jun 18 | Sell | Ashok Shukla | Individual | 11. Jun 18 | 11. Jun 18 | -3,500 | ₹1,100.00 | ₹-3,850,000 | ||
| 12. Jun 18 | Sell | Ashok Shukla | Individual | 01. Jun 18 | 08. Jun 18 | -785 | ₹1,210.21 | ₹-916,315 | ||
| 12. Jun 18 | Sell | Ashok Shukla | Individual | 01. Jun 18 | 08. Jun 18 | -785 | ₹1,210.21 | ₹-916,316 | ||
| 31. May 18 | Sell | Chandra Sahu | Individual | 21. May 18 | 29. May 18 | -758 | ₹1,251.48 | ₹-943,049 | ||
| 31. May 18 | Sell | Chandra Sahu | Individual | 21. May 18 | 29. May 18 | -758 | ₹1,251.48 | ₹-943,050 | ||
| 31. May 18 | Sell | Ashutosh Sharma | Individual | 25. May 18 | 25. May 18 | -2,000 | ₹1,241.46 | ₹-2,482,925 | ||
| 25. May 18 | Sell | Akhilesh Srivastava | Individual | 24. May 18 | 24. May 18 | -2,000 | ₹1,221.08 | ₹-2,442,160 | ||
| 25. May 18 | Sell | - Rampal | Individual | 18. May 18 | 22. May 18 | -418 | ₹1,275.58 | ₹-527,731 | ||
| 23. May 18 | Sell | Ashutosh Sharma | Individual | 17. May 18 | 17. May 18 | -500 | ₹1,280.00 | ₹-640,000 | ||
| 18. May 18 | Sell | Ashutosh Sharma | Individual | 14. May 18 | 15. May 18 | -1,500 | ₹1,284.93 | ₹-1,926,769 | ||
| 14. May 18 | Sell | Sanjaya Gupta | Individual | 10. May 18 | 10. May 18 | -72,250 | ₹1,314.83 | ₹-94,996,712 | ||
| 30. Mar 18 | Sell | K Nathan | Individual | 27. Mar 18 | 27. Mar 18 | -2,250 | ₹1,240.00 | ₹-2,790,000 | ||
X
Note: We use the top 6 management executives and board members in our calculations.
Note 2: Insider trading include any internal stakeholders and these transactions .
Full details on the Management part of the Simply Wall St company analysis model.
Management checks
We assess PNB Housing Finance's management by checking for:- Is the CEO's compensation unreasonable compared to market cap? (1 check)
- Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
- Is the average tenure of the management team less than 2 years? (1 check)
- Is the average tenure of the board of directors team less than 3 years? (1 check) PNB Housing Finance has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.
Note: We use the top 6 management executives and board members in our calculations.
Note 2: Insider trading include any internal stakeholders and these transactions .
Full details on the Management part of the Simply Wall St company analysis model.
540173 News
Simply Wall St News
Is PNB Housing Finance Limited (BOM:540173) Undervalued After Accounting For Its Future Growth?
Growth expectations for PNB Housing Finance Limited (BOM:540173) are high, but many investors are starting to ask whether its last close at ₹1134.6 can still be rationalized by the future potential. … What can we expect from PNB Housing Finance in the future. … The excitement around PNB Housing Finance's growth potential is not unfounded
Simply Wall St - – Full article540173 Company Info
Description
PNB Housing Finance Limited operates as a housing finance company in India. The company offers housing loans for the purchase, construction, repair, and upgradation of houses and flats; loans for commercial spaces; loans against property; loans for purchase of residential plots; loans for purchase, construction, and extension of dwelling units; home loans for nonresident Indians and persons of Indian origin; Unnati home loans; and credit linked subsidy scheme for economical weaker section, and lower and middle income groups. It also provides non home loans, including loans for purchase/construction of commercial properties, residential/commercial immovable property mortgage loans, lease rental discounting loans, and loans for real estate developers. In addition, the company offers fixed deposits. As of March 31, 2018, it operated 84 branches, 21 regional offices, and 3 zonal offices across 47 locations and 21 hubs. The company was incorporated in 1988 and is headquartered in New Delhi, India.
Details
| Name: | PNB Housing Finance Limited |
| 540173 | |
| Exchange: | BSE |
| Founded: | 1988 |
| ₹146,724,911,843 | |
| 167,465,516 | |
| Website: | http://www.pnbhousing.com |
| Address: |
PNB Housing Finance Limited Antriksh Bhawan, 9th Floor, New Delhi, Delhi, 110001, India |
Listings
| Exchange Symbol | Ticker Symbol | Security | Exchange | Country | Currency | Listed on | |
|---|---|---|---|---|---|---|---|
| BSE | 540173 | Equity Shares | Mumbai Stock Exchange | IN | INR | 07. Nov 2016 | |
| NSEI | PNBHOUSING | Equity Shares | National Stock Exchange of India | IN | INR | 07. Nov 2016 |
Number of employees
Current staff
1,290
PNB Housing Finance
employees.
Industry
| Thrifts and Mortgage Finance | |
| Banks |
Company Analysis and Financial Data Status
| Area | Date (UTC time) |
|---|---|
| Company Analysis updated: | 2019/03/18 12:53 |
| End of day share price update: | 2019/03/18 00:00 |
| Last estimates confirmation: | 2019/01/25 |
| Last earnings filing: | 2019/01/24 |
| Last earnings reported: | 2018/12/31 |
| Last annual earnings reported: | 2018/03/31 |
All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
