PNB Housing Finance Intrinsic Value
PNBHOUSING • Financial Services
Current Stock Price
₹784.40
Primary Intrinsic Value
₹1072.32
Market Cap
₹203.9K Cr
+36.7%
Upside
Median Value
₹1072.32
Value Range
₹328 - ₹1961
Assessment
Trading Below Calculated Value
Safety Margin
26.9%
PNBHOUSING Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1072.32 | ₹857.86 - ₹1286.78 | +36.7% | EPS: ₹89.36, Sector P/E: 12x |
| Book Value Method | asset | ₹518.86 | ₹466.97 - ₹570.75 | -33.9% | Book Value/Share: ₹648.58, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹327.85 | ₹295.07 - ₹360.64 | -58.2% | Revenue/Share: ₹327.85, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1568.80 | ₹1411.92 - ₹1725.68 | +100.0% | EBITDA: ₹8172.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹1961.00 | ₹1568.80 - ₹2353.20 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹571.90 | ₹514.71 - ₹629.09 | -27.1% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹736.33 | ₹662.70 - ₹809.96 | -6.1% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1074.46 | ₹967.01 - ₹1181.91 | +37.0% | ROE: 13.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹1141.94 | ₹1027.75 - ₹1256.13 | +45.6% | EPS: ₹89.36, BVPS: ₹648.58 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
PNBHOUSING Intrinsic Value Analysis
What is the intrinsic value of PNBHOUSING?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of PNB Housing Finance (PNBHOUSING) is ₹1072.32 (median value). With the current market price of ₹784.40, this represents a +36.7% variance from our estimated fair value.
The valuation range spans from ₹327.85 to ₹1961.00, indicating ₹327.85 - ₹1961.00.
Is PNBHOUSING undervalued or overvalued?
Based on our multi-method analysis, PNB Housing Finance (PNBHOUSING) appears to be trading below calculated value by approximately 36.7%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.07 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 13.8% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 96.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.10x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for PNB Housing Finance
Additional stock information and data for PNBHOUSING
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-8,057 Cr | ₹-8,057 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-4,662 Cr | ₹-5,255 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-1,865 Cr | ₹-1,865 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹6,254 Cr | ₹5,517 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹6,611 Cr | ₹6,611 Cr | Positive Free Cash Flow | 8/10 |