| PNB Housing Finance Ltd | Industry : (Finance) | |
|---|---|---|
|
BSE Code : 540173 |
NSE Symbol : PNBHOUSING |
P/E(TTM) : 16.35 |
|
ISIN Demat : INE572E01012 |
Div & Yield% : - |
EPS(TTM) : 62.11 |
|
Book Value(₹) : 574.85 |
Market Cap(₹Cr) : 26,381.32 |
Face Value(₹) : 10.00 |
| Particulars | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 |
|---|---|---|---|---|---|---|
| Operating Income | 1,812.53 | 1,800.72 | 1,748.05 | 1,766.14 | 1,698.83 | 1,626.81 |
| Other Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Income | 9.48 | 5.02 | 3.42 | 1.67 | 0.13 | 1.00 |
| Total Income | 1,822.01 | 1,805.74 | 1,751.47 | 1,767.81 | 1,698.96 | 1,627.81 |
| Interest | 1,097.25 | 1,069.99 | 1,086.99 | 1,057.62 | 1,047.82 | 1,008.33 |
| Employee Expenses | 83.87 | 69.54 | 63.10 | 67.23 | 64.26 | 62.99 |
| Selling & Administrative Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Impairment of Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loss on Forex Transaction | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Expenses | 80.81 | 79.42 | 84.01 | 77.70 | 62.63 | 52.98 |
| TOTAL OPERATING EXPENDITURE | 1,261.93 | 1,218.95 | 1,234.10 | 1,202.55 | 1,174.71 | 1,124.30 |
| Operating Profit Before Prov. & Cont. | 560.08 | 586.79 | 517.37 | 565.26 | 524.25 | 503.51 |
| Provisions & Write Offs | -11.96 | 6.63 | 59.10 | 44.82 | 60.46 | 144.88 |
| Depreciation | 13.31 | 14.13 | 13.02 | 11.27 | 12.56 | 12.57 |
| TOTAL EXPENDITURE | 1,263.28 | 1,239.71 | 1,306.22 | 1,258.64 | 1,247.73 | 1,281.75 |
| Tax | 144.07 | 135.82 | 111.06 | 67.42 | 106.59 | -19.17 |
| Fringe Benefit Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax | -24.05 | -13.59 | -12.35 | 57.35 | -8.04 | 82.32 |
| Reported Profit After Tax | 438.71 | 443.80 | 346.54 | 384.40 | 352.68 | 282.91 |
| Extra-ordinary Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Adjusted Profit After Extra-ordinary item | 438.71 | 443.80 | 346.54 | 384.40 | 352.68 | 282.91 |
| EPS (Unit Curr.) | 16.89 | 17.09 | 13.35 | 14.81 | 13.85 | 16.74 |
| EPS (Adj) (Unit Curr.) | 16.89 | 17.09 | 13.35 | 14.81 | 13.85 | 13.86 |
| Calculated EPS (Unit Curr.) | 16.89 | 17.09 | 13.34 | 14.81 | 13.59 | 16.75 |
| Calculated EPS (Adj) (Unit Curr.) | 16.89 | 17.09 | 13.34 | 14.81 | 13.59 | 13.87 |
| Calculated EPS (Ann.) (Unit Curr.) | 67.56 | 68.35 | 53.38 | 59.23 | 54.35 | 67.02 |
| Calculated EPS (Adj) (Ann.) (Unit Curr.) | 67.56 | 68.35 | 53.38 | 59.23 | 54.35 | 55.49 |
| Book Value (Unit Curr.) | 593.00 | 577.00 | 560.00 | 547.00 | 532.00 | 652.00 |
| Dividend (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Equity | 259.73 | 259.72 | 259.68 | 259.58 | 259.54 | 168.86 |
| Reserve & Surplus | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Public Shareholding (No. Of Shares) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public Shareholding (% in Equity) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Pledged/Encumbered - No. of Shares | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Pledged/Encumbered - % in Total Promoters Holding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Pledged/Encumbered - % in Total Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non Encumbered - No. of Shares | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non Encumbered - % in Total Promoters Holding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non Encumbered - % in Total Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PBIDTM(%) | 92.10 | 91.64 | 88.40 | 89.35 | 88.98 | 84.03 |
| PBDTM(%) | 31.56 | 32.22 | 26.22 | 29.47 | 27.30 | 22.04 |
| PATM(%) | 24.20 | 24.65 | 19.82 | 21.76 | 20.76 | 17.39 |
| Net Interest Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loan Losses & Provision | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Assets Under Management | 72,540.00 | 71,243.00 | 68,549.00 | 67,415.00 | 67,340.00 | 66,617.00 |
| Return on Equity(%) | 11.40 | 0.00 | 0.00 | 0.00 | 11.18 | 0.00 |
| Operating Expenses to Net Interest Income(%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cost to Income Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loan Loss Provision Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loans Spreads(%) | 2.11 | 2.10 | 2.12 | 2.59 | 2.62 | 2.65 |
| Net Interest Margin(%) | 3.65 | 3.65 | 3.49 | 3.95 | 3.86 | 3.74 |
| Provision Coverage Ratio(%) | 32.41 | 37.35 | 34.37 | 0.00 | 0.00 | 28.77 |
| Capital Adequacy Ratio | 29.50 | 29.26 | 29.53 | 30.38 | 29.93 | 24.43 |
| Tier I Capital | 28.43 | 27.90 | 27.97 | 28.50 | 28.15 | 22.40 |
| Tier II Capital | 1.07 | 1.36 | 1.56 | 1.88 | 1.78 | 2.03 |
| Gross Non Performing Assets | 906.00 | 984.00 | 1,079.00 | 1,086.00 | 2,270.00 | 2,270.00 |
| Net Non Performing Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| (%) Gross Non Performing Assets | 1.35 | 1.50 | 1.73 | 1.78 | 3.76 | 3.83 |
| (%) Net Non Performing Assets | 0.92 | 0.95 | 1.14 | 1.19 | 2.58 | 2.76 |
| Return on Assets(Annualised) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on Assets | 2.38 | 0.00 | 1.93 | 2.24 | 2.07 | 0.00 |
| Loans Disbursed(Amt Rs cr) | 4,398.00 | 0.00 | 4,143.00 | 4,180.00 | 3,686.00 | 4,495.00 |
| Loans Sanctioned/Approved(Amt Rs cr) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Loan Book(Amt Rs cr) | 66,986.00 | 65,358.00 | 62,337.00 | 60,852.00 | 60,395.00 | 59,273.00 |