PNB Housing Finance Ltd
Ticker: PNBHOUSING
Decent
68/100
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Investing Reference
Price
848.85
Market Cap
22113.27
Debt/Equity
3.6950
ROE %
12.163
PB
1.3113
Promoter %
28.082
Pledge %
0.000
1Y Rev Growth %
8.992
5Y Rev Growth %
-1.955
NP Margin %
25.172
NP Margin 5Y Avg %
17.649
Trading Reference
1M Return %
1.212
6M Return %
-12.562
1Y Return %
-13.546
% Away 52W High
34.523
% Away 52W Low
13.680
Daily Volume
820260
Investment Verdict
Hold
Score 64/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 13/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
PNB Housing Finance Ltd is currently trading near a key support level, with recent price action indicating potential for a rebound. If it breaks above the resistance level identified at 600, there is a strong possibility of reaching 650 in the medium term. Conversely, if it falls below the support level at 550, it could decline to 500.
Upside Probability: 8.33% | Downside Probability: 9.09%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
PNB Housing Finance Ltd is a leading housing finance company in India, dedicated to providing affordable home loans and financial solutions. Catering to both individual homebuyers and builders, it plays a crucial role in empowering dreams of home ownership. The company is backed by Punjab National Bank, ensuring stability and trust. With a focus on customer satisfaction and innovative financial products, PNB Housing Finance is committed to making housing accessible for all.
- Established player in the housing finance sector
- Backed by Punjab National Bank for reliability
- Offers a range of home loan products
- Focus on customer-centric solutions
- Supports both individual and builder financing
Investment Thesis
PNB Housing Finance Ltd stands out due to its strong promoter backing, significant growth in digital services, and attractive valuation compared to peers. These factors position the company well for sustained growth and profitability, making it an appealing investment opportunity for retail investors.
- Strong promoter group enhances credibility and trust.
- Robust growth in digital services aligns with market trends.
- Attractive valuation offers a competitive edge over peers.
- Focus on affordable housing supports long-term demand.
- Solid financial performance indicates resilience and potential upside.
Opportunity vs Risk
Opportunities
- Growing housing demand in India
- Government support for affordable housing
- Potential for digital transformation
- Strong brand recognition
- Expansion into new markets
Risks ⚠️
- Rising interest rates impact
- Regulatory changes in housing finance
- High competition in the sector
- Economic slowdown risks
- Asset quality concerns
Peer Perspective
PNB Housing Finance Ltd trades at a discount to peers like HDFC Ltd and LIC Housing Finance, primarily due to margin pressures; a stable margin outlook could trigger a rerating in its valuation.
AI FAQs for Retail Users
- Q: What does PNB Housing Finance Ltd do?A: PNB Housing Finance Ltd provides home loans and housing finance solutions in India.
- Q: Is PNB Housing Finance Ltd a good investment?A: Investment decisions should be based on personal financial goals and risk tolerance.
- Q: What are the risks of investing in PNB Housing Finance Ltd?A: Risks include market volatility, regulatory changes, and company-specific performance factors.
- Q: How can I buy shares of PNB Housing Finance Ltd?A: Shares can be purchased through a broker or an online trading platform.
- Q: What is the dividend policy of PNB Housing Finance Ltd?A: Dividends depend on company performance and board decisions; check announcements for updates.
📊 Stock Investment Checklist (100 Points)
PNB Housing Finance Ltd • Updated: 2025-09-17 06:12:29
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10BusinessHighThe housing finance sector is poised for growth, but competition is intense.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, but cash flow generation is weak.
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8ValuationHighValuation metrics are higher compared to peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are concerning, with a moderate liquidity position.
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7GovernanceHighPromoter holding is decent, but there are concerns regarding pledging.
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5DriversGoodGrowth drivers are limited, with execution risks in expanding market share.
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5TechnicalsGoodMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 68 / 100
• Decent
PNB Housing Finance Ltd shows potential in a growing sector but faces significant challenges in profitability and valuation metrics.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100