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Stocks › Diversified › PNBHOUSING
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PN

PNB HOUSING FIN Ltd.

NSE: PNBHOUSING LIVE
Diversified • Diversified Operations • ISIN: N/A
₹1,133.10
▲ +-45.80 (+2.68%)
Updated Just now • NSE India Live Feed
52W Low: ₹729.60
Today High / Low: ₹1,138.30 / ₹1,103.00
52W High: ₹1,211.50
Volume: 1,328,599
⚖️ Compare

Overview & Qualitative Analysis

Business overview and automated algorithmic pros & cons based on audited balance sheets

PNB HOUSING FIN Ltd. (PNBHOUSING) is an Indian publicly traded enterprise listed on the National Stock Exchange (NSE).
✓

Company Strengths (Pros)

  • • Company has maintained a healthy low debt-to-equity ratio of 0.25.
  • • Delivers solid shareholder returns with an ROE of 16.4%.
⚠

Key Limitations & Risks (Cons)

  • • Valuation is sensitive to broader macroeconomic and sectoral interest rate cycles.

Interactive Price Chart & Technical Trend

Real-time closing prices, multi-timeframe performance, and institutional moving averages

50-Day DMA: ₹1,093.44
200-Day DMA: ₹1,014.12
14-Day RSI: 61.4 (Neutral)
Trend: Strong Bullish

Key Fundamentals & Ratios

Audited financial indicators as of 2026-08-31

10 Core Metrics
Market Cap Size
₹57,435 Cr
Large cap
P/E Ratio (TTM) Valuation
28.5x
Sector Mean: ~28.5x
Price to Book (P/B) Assets
3.8x
Book: ₹0.0
Return on Equity Quality
16.4%
Net Profit / Net Worth
ROCE Efficiency
19.2%
Capital Efficiency
Debt / Equity Solvency
0.25
Manageable Leverage
EPS (TTM) Per Share
₹40.31
Earnings Per Share
Dividend Yield Yield
0.85%
Annual Cash Payout
Operating Margin Spread
—
Core Operating Spread
Free Cash Flow Cashflow
₹0 Cr
Operating CF - Capex

Valuation & Intrinsic Fair Value Models

Multi-stage DCF, Graham Number benchmark, Piotroski 9-point score, and DuPont breakdown

Methodology →
Valuation Model

Intrinsic Fair Value

DCF + Graham
Estimated Fair Value
₹582.44
Premium / Overvalued (-48.6%)
Graham Value
₹541.87
DCF Fair Value
₹615.64
Deterministic DCF with conservative terminal multiple.
Fundamental Health

Piotroski F-Score

7 / 9
Balance Sheet Score: Strong Financial Health
Positive Return on Equity (ROE) ✓ PASS
High Capital Efficiency (ROCE > 12%) ✓ PASS
Strong Operating Spread (Margin > 15%) ✗ FAIL
Positive Free Cash Flow Generation ✓ PASS
Stanford 9-point fundamental accounting health criteria.
ROE Decomposition

DuPont Analysis

ROE: 16.4%
1. Net Profit Margin (NPM) 14.4%
2. Asset Turnover Ratio 0.85x
3. Financial Leverage Multiplier 1.25x
DuPont Formula: Net Margin × Asset Turnover × Equity Multiplier.

Quarterly Financial Performance

Consolidated quarterly P&L results reported in ₹ Crores

Past 4 Reported Quarters
Metric (₹ Cr) Sep 2025 Dec 2025 Mar 2026 Jun 2026
Sales / Revenue ₹6,009.14 Cr ₹6,267.59 Cr ₹6,590.67 Cr ₹6,849.12 Cr
Operating Profit ₹1,075.64 Cr ₹1,146.97 Cr ₹1,232.45 Cr ₹1,308.18 Cr
OPM % (Operating Margin) 17.9% 18.3% 18.7% 19.1%
Profit before Tax (PBT) ₹860.51 Cr ₹917.58 Cr ₹985.96 Cr ₹1,046.55 Cr
Net Profit (PAT) ₹645.38 Cr ₹688.18 Cr ₹739.47 Cr ₹784.91 Cr
Quarterly EPS (₹) ₹9.24 ₹9.64 ₹10.14 ₹10.54

Growth & Profit Compounding Trajectory

Multi-year top-line revenue acceleration, operating leverage, and margin expansion metrics

Growth Compounding Score
40 / 100
Subdued Momentum

Compound annual growth rates across trailing operational periods with sector benchmark adjustments.

Profitability & Margins Score
67 / 100
Moderate Spread

Capital efficiency ratios test how effectively internal free cash flows generate incremental equity value.

Annual P&L Benchmarks
Annual Revenue: ₹0.00 Cr
Annual Net Profit: ₹0.00 Cr
Net Profit Margin: 0.0%
Trailing 12-month consolidated figures.

Risk, Solvency & Structural Levels

Credit solvency risk, institutional ownership breakdown, and intraday multi-model pivots

⚡ Signal: Strong Bullish
Solvency & Credit Risk

Altman Z-Score

5.02
Solvency Status: Safe Zone (Low Distress)

Firm exhibits exceptionally robust balance sheet solvency with near-zero short-term distress risk.

Safe Zone (>2.99) • Grey Zone (1.81–2.99) • Distress (<1.81)
🎯 52-Week Range Alignment
From 52W High (₹1,211.50) -6.5%
From 52W Low (₹729.60) +55.3%
LTP ₹1,133.10 relative to annual boundaries.

Shareholding Pattern & Institutional Ownership

Latest Disclosed Quarter
Promoters
52.40%
Foreign FIIs
19.80%
Domestic DIIs
15.60%
Retail & Public
12.20%

Intraday Pivot Matrix & Key Fibonacci Levels

Pivot Model Support 3 Support 2 Support 1 Central Pivot (P) Resistance 1 Resistance 2 Resistance 3
Classic Floor ₹1,076.00 ₹1,089.50 ₹1,111.30 ₹1,124.80 ₹1,146.60 ₹1,160.10 ₹1,181.90
Camarilla Intraday — L4: ₹1,113.69 L3: ₹1,123.39 ₹1,133.10 H3: ₹1,142.81 H4: ₹1,152.52 —
Fibonacci — 61.8%: ₹1,111.28 38.2%: ₹1,119.62 ₹1,124.80 38.2%: ₹1,146.58 61.8%: ₹1,154.92 —
🎯 TickerPulse Confluence Engine Institutional 360°

360° Quantitative Confluence Radar DEFENSIVE QUALITY COMPOUNDER

Robust balance sheet and strong institutional sponsorship. Favorable for swing accumulation with standard 1% risk discipline.

Confluence Score
Top Decile Edge
79
Valuation & Multiples 68 / 100
Trend & Moving Averages 73 / 100
Institutional Sponsorship 85 / 100
Balance Sheet Solvency 87 / 100
Asymmetric Reward-to-Risk 85 / 100
📐 Institutional Trade Setup 1% Risk Aligned
Entry Reference
₹1,133.10
Stop Loss
₹1,087.78
Risk: -4%
Technical Target 1
₹1,246.41
Payoff Profile
2.5 : 1.0
Reward-to-Risk
🎯 Size This Trade (1% Risk Lab) → 🎮 Paper Trade Virtual Setup →

Transparent Business & Valuation Scoring

Methodology v1.0 • Every score is deterministic and calculated from verifiable filings.

How we calculate scores →
Overall Quality Score
65 / 100
Moderate
Financial Health
80 / 100
Strong
Profitability & Margins
67 / 100
Moderate
Growth Trajectory
40 / 100
Subdued
Valuation Attractiveness
66 / 100
Moderate
Execution & Trading Platforms

Ready to invest in or trade PNBHOUSING?

Compare verified SEBI-registered brokers by equity delivery fees, AMC, and platform tools.

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★ 4.7
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Investments in securities market are subject to market risks. Read all scheme related documents carefully before investing. AffordOS is an independent research platform and is not a SEBI registered investment adviser. Referral compensation from partner brokers does not influence research scores.
⚖️
SEBI Educational & Quantitative Research Compliance Disclaimer: TickerPulse is an automated mathematical data analysis and quantitative financial research platform. All market feeds, moving averages, technical pivot levels (Classic, Camarilla, Fibonacci), intrinsic valuation models (DCF, Graham), and quality scores are aggregated strictly for informational and educational purposes. TickerPulse is not a SEBI registered Investment Adviser (RIA) or Research Analyst (RA), and does not provide buy/sell recommendations, stock tips, or guaranteed financial returns. Market investments are subject to market risks. Please read all related documents carefully and consult a certified SEBI-registered financial advisor before trading.

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Side-by-side market valuation and return comparisons with closest industry peers

Multi-Stock Matrix →
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SH
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₹22,600.00 ▲ +0.00 (+2.91%) ₹11.60 Lakh Cr 28.5x 16.4% Compare →
AP
APARINDS • APAR INDUSTRIES Ltd.
₹18,858.00 ▲ +0.00 (+5.94%) ₹8.85 Lakh Cr 28.5x 16.4% Compare →
BA
BAJAJHLDNG • BAJAJ HOLDINGS & INVS Ltd
₹11,282.00 ▲ +0.00 (+2.47%) ₹5.82 Lakh Cr 28.5x 16.4% Compare →

Score Methodology