PNB Housing Finance Intrinsic Value
PNB Housing Finance (PNBHOUSING) median intrinsic value is ₹829.60 from 9 valuation models (range ₹340–₹1625), vs current price ₹1133.10 — -26.8% downside (Trading Above Calculated Value), margin of safety -36.6%. For current market price and key ratios, visit PNBHOUSING screener.
PNBHOUSING Valuation Methods Summary — DCF, Graham Number & P/E
PNB Housing Finance intrinsic value across 9 models vs current price ₹1133.10 — upside/downside and value range per method. See PNBHOUSING P/B ratio history to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1208.16 | ₹966.53 - ₹1449.79 | +6.6% | EPS: ₹100.68, Sector P/E: 12x |
| Book Value Method | asset | ₹589.09 | ₹530.18 - ₹648.00 | -48.0% | Book Value/Share: ₹736.36, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹339.93 | ₹305.94 - ₹373.92 | -70.0% | Revenue/Share: ₹332.87, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1624.52 | ₹1462.07 - ₹1786.97 | +43.4% | EBITDA: ₹8480.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹644.35 | ₹579.92 - ₹708.79 | -43.1% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹829.60 | ₹746.64 - ₹912.56 | -26.8% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1206.44 | ₹1085.80 - ₹1327.08 | +6.5% | ROE: 13.7%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹1291.54 | ₹1162.39 - ₹1420.69 | +14.0% | EPS: ₹100.68, BVPS: ₹736.36 |
| Dividend Yield Method | dividend | ₹339.93 | ₹305.94 - ₹373.92 | -70.0% | DPS: ₹8.00, Target Yield: 4.0% |
PNBHOUSING Intrinsic Value vs Market Price — All Valuation Models
PNB Housing Finance fair value range ₹340–₹1625 vs current market price ₹1133.10 across 9 valuation models. Check PNBHOUSING market cap trends to track the company's total market size over time.
PNBHOUSING Intrinsic Value Analysis — Undervalued or Overvalued?
PNB Housing Finance median intrinsic value ₹829.60, current price ₹1133.10 — Trading Above Calculated Value by 26.8%, margin of safety -36.6%.
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 ₹829.60 (median value). With the current market price of ₹1133.10, this represents a -26.8% variance from our estimated fair value.
The valuation range spans from ₹339.93 to ₹1624.52, indicating ₹339.93 - ₹1624.52.
Is PNBHOUSING undervalued or overvalued?
Based on our multi-method analysis, PNB Housing Finance (PNBHOUSING) appears to be trading above calculated value by approximately 26.8%.
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 2026 | ₹-8,984 Cr | ₹-8,984 Cr | Negative Cash Flow | 3/10 |
| 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 |