AI Summary
✦ ClarthaPNB Housing Finance is an Indian housing finance company providing mortgages and property-backed lending. Home loans, loans against property, and developer finance drive its lending portfolio, alongside residential plot, NRI, and lease-rental discounting loans. Q1 FY27 AUM grew 13%, while profit rose 4% to ₹557 crore, indicating continued credit demand but slower earnings conversion. Margins remained stable, supporting earnings quality despite profit growth of 18.3% year-on-year versus 22.1% revenue growth. ROE is unavailable, while debt/equity of 287.73 means substantial leverage materially influences shareholder returns. At 12.9x earnings, the stock appears undervalued relative to its growth profile, but investor returns remain exposed to funding costs, credit losses, and leverage.
Price Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 13 analysts
Fundamentals
Fundamentals institutional score is 60 using growth durability 59.9.
Valuation
Valuation institutional score is 16 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 70 using mean target upside 13.5%; dispersion penalty 14.4; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 38 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 2 recent ticker-linked news items.
Signal Summary
Market intelligence remains Mixed. analyst consensus and market sentiment provide support, while valuation and technical structure remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 35.2% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +2.22). Confidence: 86%.
Live forward EPS implies next-12-month EPS of ₹104.86. Applying the stock's normalized valuation corridor produces a fair range of ₹913.33 to ₹1,133.54, with base value near ₹998.27 (-12.6% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹104.86
Forward P/E
10.9x
Base Fair Value
₹998.27
Fair Range
₹913.33 - ₹1,133.54
Upside To Base
-12.6%
Estimate Source
Live forward EPS
Growth Estimate
+4.3%
5Y Average
1.38
Current
1.55
Overvalued
1.59
Undervalued
1.17
5Y Average
7.74
Current
12.87
Overvalued
10.81
Undervalued
8.71
5Y Average
4.74
Current
7.89
Overvalued
6.11
Undervalued
3.09
Peers & Comparison
Sector: Financials · Theme: Home Financing
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
UCO BANK UCOBANKPublic Banks | +53.0% | 21.5% | 11.7x Premium | +48% vs avg | -7.8% |
LIC HOUSING FINANCE LTD LICHSGFINHome Financing | +14.5% | 65.2% | 4.8x Undervalued | -39% vs avg | -12.8% |
INDIAN BANK INDIANBPublic Banks | +10.3% | 36.4% | 9.2x Premium | +16% vs avg | +32.5% |
INDIAN OVERSEAS BANK IOBPublic Banks | +48.1% | 36.6% | 11.6x Premium | +47% vs avg | -6.4% |
PUNJAB NATIONAL BANK PNBPublic Banks | +15.2% | 38.1% | 5.9x Undervalued | -25% vs avg | +6.5% |
UNION BANK OF INDIA UNIONBANKPublic Banks | — | 40.5% | 6.9x Fair | -13% vs avg | +33.6% |
BANK OF BARODA BANKBARODAPublic Banks | +18.0% | 27.4% | 7.1x Fair | -10% vs avg | +1.9% |
CANARA BANK CANBKPublic Banks | -12.9% | 43.1% | 6.1x Undervalued | -23% vs avg | +17.8% |
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
LIC HOUSING FINANCE LTD LICHSGFINHome Financing | +14.5% | 65.2% | 4.8x Undervalued | -95% vs avg | -12.8% |
APTUS VALUE HSG FIN I LTD APTUSHome Financing | +16.8% | 61.8% | 13.1x Undervalued | -87% vs avg | -26.5% |
AAVAS FINANCIERS LIMITED AAVASHome Financing | +16.9% | 42.5% | 15.8x Undervalued | -85% vs avg | -18.7% |
PIRAMAL FINANCE LIMITED PIRAMALFINHome Financing | +30.4% | 32.6% | 28.3x Undervalued | -72% vs avg | +58.8% |
INDIA SHELTER FIN CORP L INDIASHLTRHome Financing | +21.8% | 48.0% | 15.5x Undervalued | -85% vs avg | -30.4% |
SAMMAAN CAPITAL LIMITED SAMMAANCAPHome Financing | — | 0.0% | — | — | +35.8% |
MAX FINANCIAL SERV LTD MFSLInsurance | -40.2% | 0.2% | 623.0x Premium | +506% vs avg | -5.7% |
FEDERAL BANK LTD FEDERALBNKPrivate Banks | +21.4% | 30.7% | 18.8x Undervalued | -82% vs avg | +82.2% |
PNB HOUSING FIN LTD. trades at a premium (12.8x vs peer avg 7.9x), implying higher growth or quality expectations from the Home Financing cohort. Peers include UCO BANK, LIC HOUSING FINANCE LTD, INDIAN BANK — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹2.25K CrJun 2026Latest net profit
₹554 CrJun 2026Free cash flow
₹-9.01K CrMar 2026Net Profit
₹554 CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 1,699 | 1,766 | 1,748 | 1,801 | 1,813 | 1,868 | 1,923 | 2,030 | 2,064 | 2,168 | 2,110 | 2,170 | 2,252 |
| Interest | 1,048 | 1,058 | 1,087 | 1,070 | 1,097 | 1,119 | 1,158 | 1,178 | 1,235 | 1,267 | 1,253 | 1,246 | 1,339 |
| Expenses + | 187 | 190 | 206 | 156 | 153 | 130 | 149 | 125 | 136 | 84 | 174 | 49 | 185 |
| Financing Profit | 464 | 519 | 455 | 575 | 563 | 619 | 615 | 726 | 693 | 816 | 683 | 874 | 728 |
| Financing Margin % | 27% | 29% | 26% | 32% | 31% | 33% | 32% | 36% | 34% | 38% | 32% | 40% | 32% |
| Other Income + | 0 | 2 | 3 | 5 | 9 | 2 | 2 | 15 | 7 | 4 | 2 | -9 | 3 |
| Depreciation | 13 | 11 | 13 | 14 | 13 | 14 | 14 | 14 | 15 | 16 | 16 | 19 | 16 |
| Profit before tax | 451 | 509 | 445 | 566 | 559 | 607 | 603 | 727 | 686 | 804 | 669 | 846 | 715 |
| Tax % | 22% | 24% | 22% | 22% | 21% | 22% | 22% | 22% | 22% | 22% | 22% | 23% | 22% |
| Net Profit + | 353 | 384 | 347 | 444 | 439 | 472 | 471 | 567 | 532 | 626 | 521 | 649 | 554 |
| EPS in Rs | 13.59 | 14.81 | 13.34 | 17.09 | 16.89 | 18.15 | 18.14 | 21.82 | 20.44 | 24.05 | 20.00 | 24.90 | 21.28 |
| Gross NPA % | 3.76% | 1.78% | 1.73% | 1.50% | 1.35% | 1.24% | 1.19% | 1.08% | 1.06% | 1.04% | 1.04% | 0.93% | 0.95% |
| Net NPA % | 2.58% | 1.19% | 1.14% | 0.95% | 0.92% | 0.84% | 0.80% | 0.69% | 0.69% | 0.69% | 0.68% | 0.57% | 0.58% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome