PNB Housing Finance Intrinsic Value
PNB Housing Finance (PNBHOUSING) median intrinsic value is ₹1206.44 from 9 valuation models (range ₹333–₹2225), vs current price ₹1077.90 — +11.9% upside (Trading Below Median Value), margin of safety 10.7%. Browse PNBHOUSING financial statements for revenue, profit, balance sheet and cash flow data.
PNBHOUSING Valuation Methods Summary — DCF, Graham Number & P/E
PNB Housing Finance intrinsic value across 9 models vs current price ₹1077.90 — upside/downside and value range per method. For current market price and key ratios, visit PNBHOUSING screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1208.16 | ₹966.53 - ₹1449.79 | +12.1% | EPS: ₹100.68, Sector P/E: 12x |
| Book Value Method | asset | ₹589.09 | ₹530.18 - ₹648.00 | -45.3% | Book Value/Share: ₹736.36, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹332.87 | ₹299.58 - ₹366.16 | -69.1% | Revenue/Share: ₹332.87, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1624.52 | ₹1462.07 - ₹1786.97 | +50.7% | EBITDA: ₹8480.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹2224.56 | ₹1779.65 - ₹2669.47 | +106.4% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹644.35 | ₹579.92 - ₹708.79 | -40.2% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹829.60 | ₹746.64 - ₹912.56 | -23.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1206.44 | ₹1085.80 - ₹1327.08 | +11.9% | ROE: 13.7%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹1291.54 | ₹1162.39 - ₹1420.69 | +19.8% | EPS: ₹100.68, BVPS: ₹736.36 |
PNBHOUSING Intrinsic Value vs Market Price — All Valuation Models
PNB Housing Finance fair value range ₹333–₹2225 vs current market price ₹1077.90 across 9 valuation models. Also explore PNBHOUSING share price history to track price trends across different timeframes.
PNBHOUSING Intrinsic Value Analysis — Undervalued or Overvalued?
PNB Housing Finance median intrinsic value ₹1206.44, current price ₹1077.90 — Trading Below Median Value by 11.9%, margin of safety 10.7%.
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 ₹1206.44 (median value). With the current market price of ₹1077.90, this represents a +11.9% variance from our estimated fair value.
The valuation range spans from ₹332.87 to ₹2224.56, indicating ₹332.87 - ₹2224.56.
Is PNBHOUSING undervalued or overvalued?
Based on our multi-method analysis, PNB Housing Finance (PNBHOUSING) appears to be trading below median value by approximately 11.9%.
PNBHOUSING Financial Health — Key Ratios vs Industry Benchmarks
PNB Housing Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.06 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 13.7% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 98.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
PNBHOUSING Cash Flow Quality — Operating & Free Cash Flow
PNB Housing Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |