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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
PNB Housing Finance Limited is an India-based Non-Banking Financial Company - Housing Finance Company (NBFC-HFC). The Company provides housing loans to individuals and corporate bodies for the purchase, construction, repair, and upgradation of houses. It also provides loans…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, fast-growing business, fairly priced — but flagged on governance.
PNB Housing Finance is scored on the nbfc / financials framework. It keeps a fat 26.9% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 9%/yr and profit at 30%/yr. Book value itself has compounded 20%/yr — the hallmark of a genuine compounder. Return on equity is a modest 11.6%. In the latest quarter profit fell 15% versus the prior quarter.
At 13× earnings, the stock sits at the 41st percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price asks for only ~2%/yr growth over a decade — undemanding expectations. The forensic screen raises a red flag: Share count up 32% over 4 years — heavy equity dilution.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 12.15 | 11.08 | worse |
| P/B | 1.41 | — | — |
| EV/EBITDA | 12.68 | — | — |
| ROE | 11.61 | 9.33 | better |
| ROCE | 8.3 | 8.78 | worse |
| ROA | 2.31 | — | — |
| Quick Ratio | 0.79 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 9% CAGR — growing but slowly.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (30% vs 9%) — margin expansion is at work.
Operating margin has expanded from 21% to 35% — the business is keeping more of each rupee earned. The gap between operating and net margin is widening — interest or tax costs are rising.
ROE at 12% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (30% vs 18%) — share dilution is eroding per-share value. 18% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (6% spread) — a predictable, non-seasonal revenue stream.
Profit fell 15% QoQ — one-quarter drops can be noise, but a pattern matters. Quarterly margins are compressing (27% → 25%) — more revenue isn't translating to proportionally more profit.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 28.0% — widely held; sentiment-driven. FIIs trimmed 3.0pp — foreign money is rotating out. MF holding up 6.4pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.