Sales 112% 117% 128% 145% 168% 159% 152% 145% 141%

Expenses 115% 164% 111% 183% 183% 156% 150% 138% 155%
Operating Profit 111% 113% 130% 141% 166% 159% 152% 146% 139%
Net profit 125% 104% 112% 120% 140% 150% 168% 160% 159%
PNB HOUSING FINANCE LTD SCREENER.IN

Narration Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Trailing Best Case Worst Case 1.01
Sales 275.74 307.58 358.97 461.00 666.30 1,120.32 1,780.38 2,697.92 3,907.70 5,516.39 6,354.70 8,042.09 8,026.47 1.39
Expenses 19.47 22.37 36.78 40.76 74.63 136.43 212.80 320.25 441.56 682.96 729.23 922.87 958.51 1.48
Operating Profit 256.27 285.21 322.19 420.24 591.67 983.89 1,567.58 2,377.67 3,466.14 4,833.43 5,625.47 7,119.23 7,067.95 1.39
Operating Profit % 92.94 92.73 89.75 91.16 88.80 87.82 88.05 88.13 88.70 87.62 88.52 88.52 88.06 0.99
Other Income 1.47 8.75 5.26 -0.03 -0.06 -0.26 -0.22 0.63 0.15 0.39 0.57 - - 0.86
Other Income % 1% 3% 2% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0.62
EBIDT 257.74 293.96 327.45 420.21 591.61 983.63 1,567.36 2,378.30 3,466.29 4,833.82 5,626.04 7,119.23 7,067.95 1.39
EBIDT % 93.47 95.57 91.22 91.15 88.79 87.80 88.04 88.15 88.70 87.63 88.53 88.52 88.06 0.99
Depreciation 0.45 0.38 0.29 0.22 0.97 3.31 8.28 15.04 18.63 24.11 28.39 28.39 28.39 1.56
Interest 181.67 199.49 229.65 314.40 461.95 801.60 1,264.84 1,860.29 2,643.65 3,530.80 4,270.45 4,270.45 4,270.45 1.39
Interest Coverage Ratio 1.41 1.43 1.40 1.34 1.28 1.23 1.24 1.28 1.31 1.37 1.32 1.67 1.66 1.00
Profit before tax 75.64 94.09 97.51 105.62 128.75 178.98 294.45 503.09 804.01 1,279.08 1,327.20 2,820.39 2,769.11 1.37
Profit before tax % 27.43 30.59 27.16 22.91 19.32 15.98 16.54 18.65 20.58 23.19 20.89 35.07 34.50 0.98
Tax 22.23 27.33 28.14 28.17 35.93 49.28 100.38 176.62 280.28 448.43 445.98 34% 34% 1.40
Tax % 29.39 29.05 28.86 26.67 27.91 27.53 34.09 35.11 34.86 35.06 33.60 0.01 0.01 1.02
Net profit 53.41 66.76 69.37 77.45 92.82 129.70 194.07 326.47 523.73 830.65 881.22 1,872.65 1,838.61 1.36
Net profit % 19.37 21.70 19.32 16.80 13.93 11.58 10.90 12.10 13.40 15.06 13.87 23.29 22.91 0.97
EPS 14.64 18.31 19.02 21.24 18.56 14.54 15.29 25.72 31.62 49.86 52.62 111.82 109.79 1.15
Price to earning 39.98 26.70 18.47 28.38 18.47 #VALUE!
Price - - - - - - - - 1,264.10 1,331.16 972.10 3,173.92 2,028.22 #DIV/0!
#DIV/0!
RATIOS: #DIV/0!
Dividend Payout 11.23% 8.99% 9.51% 8.52% 13.47% 15.20% 16.06% 13.22% 18.98% 18.05% 1.05
OPM 92.94% 92.73% 89.75% 91.16% 88.80% 87.82% 88.05% 88.13% 88.70% 87.62% 88.52% 0.99

Price/Sales 0.00%
TRENDS: 10 YEARS 7 YEARS 5 YEARS 3 YEARS RECENT BEST WORST
Sales Growth 39.50% 47.75% 52.61% 45.79% 41.17% 45.79% 39.50%
OPM 88.37% 88.18% 88.06% 88.08% 88.52% 88.52% 88.06%
Price to Earning 28.38 28.38 28.38 28.38 18.47 28.38 18.47
Sales 112% 103% 108% 108% 110% 113% 109%
Expenses 71% 153% 134% 105% 100% 109% 118%
Operating Profit 118% 99% 104% 108% 111% 113% 108%
Net profit 144% 100% 111% 112% 112% 114% 101%
PNB HOUSING FINANCE LTD SCREENER.IN

Narration Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18
Sales 862.85 970.17 998.75 1,075.93 1,160.09 1,274.37 1,438.49 1,569.97 1,615.83 1,730.41
Expenses 103.23 73.75 112.97 151.61 159.22 158.43 172.98 203.71 163.94 188.60
Operating Profit 759.62 896.42 885.78 924.32 1,000.87 1,115.94 1,265.51 1,366.26 1,451.89 1,541.81
Other Income 0.02 0.08 - 0.05 0.12 0.07 0.14 0.23 0.20 -
Depreciation 4.47 4.56 4.77 4.83 5.08 5.25 6.77 7.01 6.72 7.89
Interest 607.99 684.68 673.08 677.90 750.47 834.81 925.03 1,016.78 1,099.75 1,228.89
Profit before tax 147.18 207.26 207.93 241.64 245.44 275.95 333.85 342.70 345.62 305.03
Tax 51.28 69.61 70.15 89.24 75.37 85.90 116.39 122.25 110.57 96.77
Net profit 95.90 137.65 137.78 152.40 170.07 190.05 217.46 220.45 235.05 208.26

OPM 88% 92% 89% 86% 86% 88% 88% 87% 90% 89%
PNB HOUSING FINANCE LTD SCREENER.IN

Narration Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18
Equity Share Capital 30.00 30.00 30.00 30.00 50.00 65.69 103.85 126.92 165.64 166.59
Reserves 184.97 244.73 306.43 369.90 568.04 868.45 1,474.88 2,018.98 5,411.67 6,140.19
Total Shareholder Funds 214.97 274.73 336.43 399.90 618.04 934.14 1,578.73 2,145.90 5,577.31 6,306.78
Borrowings 2,339.56 2,655.67 3,170.82 3,859.71 6,695.37 10,107.67 16,480.76 26,013.68 35,497.14 54,072.17
Other Liabilities 48.25 134.56 163.69 176.64 343.86 507.15 1,012.99 1,578.07 2,006.62 3,606.52
Total 2,602.78 3,064.96 3,670.94 4,436.25 7,657.27 11,548.96 19,072.48 29,737.65 43,081.07 63,985.47
Debt/Equity Ratio 10.88 9.67 9.42 9.65 10.83 10.82 10.44 12.12 6.36 8.57
Current Ratio 0.43 0.05 0.41 0.06 0.37 0.27 0.29 0.16 0.08 0.78
Net Block 2.22 2.18 1.78 4.61 14.15 25.82 39.58 58.11 58.40 75.96
Capital Work in Progress - - - 0.53 3.59 3.02 18.10 4.05 2.03 9.69
Investments 366.70 429.59 310.76 378.29 776.90 645.48 1,585.98 1,622.27 3,279.56 2,380.11
Other Assets 2,233.86 2,633.19 3,358.40 4,052.82 6,862.63 10,874.64 17,428.82 28,053.22 39,741.08 61,519.71
Total 2,602.78 3,064.96 3,670.94 4,436.25 7,657.27 11,548.96 19,072.48 29,737.65 43,081.07 63,985.47

Working Capital 2,185.61 2,498.63 3,194.71 3,876.18 6,518.77 10,367.49 16,415.83 26,475.15 37,734.46 57,913.19
Debtors - - - - - - - - - -
Inventory - - - - - - - - - -

Debtor Days - - - - - - - - - -
Inventory Turnover - - - - - - - - - -

Return on Equity 25% 24% 21% 19% 15% 14% 12% 15% 9% 13%
Return on Capital Emp 11% 10% 9% 10% 8% 9% 9% 8% 8% 8%
PNB HOUSING FINANCE LTD SCREENER.IN

Narration Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18
Cash from Operating Activity -228.41 - -579.73 -728.27 -2,900.83 -3,627.15 -6,790.98 -9,664.47 -12,406.47 -15,673.49 -52,599.80 1.60
Cash from Investing Activity -220.81 - 124.22 -2.78 -13.63 -14.67 -37.34 -19.64 -16.88 -49.50 -251.03 0.85
Cash from Financing Activity 449.72 - 515.75 715.43 2,965.31 3,604.29 6,850.49 9,803.90 12,322.49 18,473.98 55,701.36 1.51
Net Cash Flow 0.50 - 60.24 -15.62 50.85 -37.53 22.17 119.79 -100.86 2,750.99 2,850.53

Net profit 53.41 66.76 69.37 77.45 92.82 129.7 194.07 326.47 523.73 830.65 2,364.43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
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0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
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dalal-street.in
COMPANY NAME PNB HOUSING FINANCE LTD
LATEST VERSION 2.10 PLEASE
CURRENT VERSION 2.10

META
Number of shares 16.75
Face Value 10
Current Price 972.1
Market Capitalization 16279.32

PROFIT & LOSS

Report Date Mar-09 Mar-10 Mar-11 Mar-12
Sales 275.74 307.58 358.97 461.00
Raw Material Cost
Change in Inventory
Power and Fuel 0.47 0.44 0.53 0.66
Other Mfr. Exp 0.37 0.47 0.50 0.03
Employee Cost 6.40 6.49 9.02 15.42
Selling and admin 6.40 8.36 12.48 16.00
Other Expenses 5.83 6.61 14.25 8.65
Other Income 1.47 8.75 5.26 -0.03
Depreciation 0.45 0.38 0.29 0.22
Interest 181.67 199.49 229.65 314.40
Profit before tax 75.64 94.09 97.51 105.62
Tax 22.23 27.33 28.14 28.17
Net profit 53.41 66.76 69.37 77.45
Dividend Amount 6.00 6.00 6.60 6.60

Quarters
Report Date Jun-16 Sep-16 Dec-16 Mar-17
Sales 862.85 970.17 998.75 1,075.93
Expenses 103.23 73.75 112.97 151.61
Other Income 0.02 0.08 0.05
Depreciation 4.47 4.56 4.77 4.83
Interest 607.99 684.68 673.08 677.90
Profit before tax 147.18 207.26 207.93 241.64
Tax 51.28 69.61 70.15 89.24
Net profit 95.90 137.65 137.78 152.40
Operating Profit 759.62 896.42 885.78 924.32
BALANCE SHEET
Report Date Mar-09 Mar-10 Mar-11 Mar-12
Equity Share Capital 30 30 30 30
Reserves 184.97 244.73 306.43 369.9
Borrowings 2339.56 2655.67 3170.82 3859.71
Other Liabilities 48.25 134.56 163.69 176.64
Total 2,602.78 3,064.96 3,670.94 4,436.25
Net Block 2.22 2.18 1.78 4.61
Capital Work in Progress 0.53
Investments 366.7 429.59 310.76 378.29
Other Assets 2233.86 2633.19 3358.4 4052.82
Total 2,602.78 3,064.96 3,670.94 4,436.25
Receivables
Inventory
Cash & Bank 20.87 6.93 67.17 11.42
No. of Equity Shares 30000000 30000000 30000000 30000000
New Bonus Shares
Face value 10 10 10 10

CASH FLOW:
Report Date Mar-09 Mar-10 Mar-11 Mar-12
Cash from Operating Activity -228.41 -579.73 -728.27
Cash from Investing Activity -220.81 124.22 -2.78
Cash from Financing Activity 449.72 515.75 715.43
Net Cash Flow 0.50 60.24 -15.62

PRICE:

DERIVED:
Adjusted Equity Shares in Cr 3.65 3.65 3.65 3.65
 PLEASE DO NOT MAKE ANY CHANGES TO THIS SHEET

Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18

666.30 1,120.32 1,780.38 2,697.92 3,907.70 5,516.39

1.20 1.96 2.99 4.15 4.90 6.32

0.30 0.71 0.73 1.50 1.98 2.60
25.42 40.40 67.06 75.28 101.26 136.48
28.00 42.78 71.47 104.61 133.99 187.91
19.71 50.58 70.55 134.71 199.43 349.65
-0.06 -0.26 -0.22 0.63 0.15 0.39
0.97 3.31 8.28 15.04 18.63 24.11
461.95 801.60 1,264.84 1,860.29 2,643.65 3,530.80
128.75 178.98 294.45 503.09 804.01 1,279.08
35.93 49.28 100.38 176.62 280.28 448.43
92.82 129.70 194.07 326.47 523.73 830.65
12.50 19.71 31.16 43.15 99.38 149.93

Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18

1,160.09 1,274.37 1,438.49 1,569.97 1,615.83 1,730.41
159.22 158.43 172.98 203.71 163.94 188.60
0.12 0.07 0.14 0.23 0.20
5.08 5.25 6.77 7.01 6.72 7.89
750.47 834.81 925.03 1,016.78 1,099.75 1,228.89
245.44 275.95 333.85 342.70 345.62 305.03
75.37 85.90 116.39 122.25 110.57 96.77
170.07 190.05 217.46 220.45 235.05 208.26
1000.87 1115.94 1265.51 1366.26 1451.89 1541.81
Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18
50 65.69 103.85 126.92 165.64 166.59
568.04 868.45 1474.88 2018.98 5411.67 6140.19
6695.37 10107.67 16480.76 26013.68 35497.14 54072.17
343.86 507.15 1012.99 1578.07 2006.62 3606.52
7,657.27 11,548.96 19,072.48 29,737.65 43,081.07 63,985.47
14.15 25.82 39.58 58.11 58.4 75.96
3.59 3.02 18.1 4.05 2.03 9.69
776.9 645.48 1585.98 1622.27 3279.56 2380.11
6862.63 10874.64 17428.82 28053.22 39741.08 61519.71
7,657.27 11,548.96 19,072.48 29,737.65 43,081.07 63,985.47

128.04 138.42 293.14 248.54 151.47 2816.87

50000000 89230700 126923000 126923000 165642309 166586482
6470589
10 10 10 10 10 10

Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18

-2,900.83 -3,627.15 -6,790.98 -9,664.47 -12,406.47 -15,673.49
-13.63 -14.67 -37.34 -19.64 -16.88 -49.50
2,965.31 3,604.29 6,850.49 9,803.90 12,322.49 18,473.98
50.85 -37.53 22.17 119.79 -100.86 2,750.99

1,264.10 1,331.16

5.00 8.92 12.69 12.69 16.56 16.66