PNB Housing Finance Limited operates as a housing finance company in India. It provides loans to individuals and corporate bodies for purchase, construction, repair, and up-gradation of houses/flats/commercial properties; residential plot loans and loans for NRIs; loan against property, lease rental discounting, and loans for real estate developers; and fixed deposit products. The company also provides Unnati home loans; and credit linked subsidy scheme for economical weaker section, and lower and middle income groups. As of March 31, 2022, it operated through a network of 99 branches. The company was incorporated in 1988 and is based in New Delhi, India.

PNB Housing Finance Limited

Motilal Oswal Financial Services Limited offers financial services in India. It operates through Broking and Other Related Activities, Fund Based Activities, Asset Management and Advisory, Investment Banking Services, and Home Finance segments. The company offers broking and distribution services, such as equities, derivatives, commodities, currencies, mutual funds, insurance products, and other investment products; primary equity offerings; and depository, portfolio management, and asset management services. It also provides private wealth management services, such as equity, alternate, credit solutions, estate planning, will making, and property advisory services; and home loans. In addition, the company offers institutional broking services, including cash and derivatives; private equity services; and investment banking advisory and transaction solutions, including private placement of equity, mergers and acquisitions advisory, and equity capital markets transactions. It serves high net worth individuals; and mutual funds, foreign institutional investors, financial institutions, and corporate clients. Motilal Oswal Financial Services Limited was founded in 1987 and is headquartered in Mumbai, India. Motilal Oswal Financial Services Limited operates as a subsidiary of Passionate Investment Management Private Limited.

Metric
Company Name	PNB Housing Finance Limited	Motilal Oswal Financial Services Limited
Symbol	PNBHOUSING	MOTILALOFS
MSH ID	COM:PNBHOUSING	COM:MOTILALOSWALGROUP
Market	STOCKS	STOCKS
Sector	Financial Services	Financial Services
Industry	Financial - Mortgages	Financial - Capital Markets
Country	IN	IN
Stage
Employee Count	1.69K	11.30K
Website	pnbhousing.com	motilaloswalgroup.com
LinkedIn
Founders

Metric
Market Cap	2.45B	3.76B
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	833.17M	841.84M
Revenue (LTM)
Revenue (NTM)
Gross Profit	322.60M	578.02M
EBITDA	256.93M	374.07M
Operating Income	250.88M	364.32M
Net Income	178.04M	288.19M
EPS	0.69	1.94
Diluted EPS	0.68	1.92
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.13	0.64
Operating Profit Margin	0.65	0.59
EBITDA Margin	0.31	0.44
Net Profit Margin	0.51	0.39
Return on Equity	0.21	0.38
Return on Assets	0.02	0.09
Return on Capital Employed	0.03	0.15

COM:PNBHOUSING

PNB Housing Finance Ltd

Last Close

854.60

25/11 09:40

Market Cap

207.72B

Beta: -

Volume Today

1.05M

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	15.24	13.81
P/B Ratio	1.45	3.48
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	7.75	8.39
EV Multiple	13.66	14.72

Metric
Days Sales Outstanding	3.81
Days Payables Outstanding		1.15K
Days Inventory Outstanding
Operating Cycle	4.88	109.92
Cash Conversion Cycle	3.21	109.92
Asset Turnover	0.07	0.22

Metric
Operating Cash Flow	245.24M	351.36M
Free Cash Flow	240.60M	333.56M
Cash Flow to Debt	0.00	0.01
Operating Cash Flow/Sales	0.03	0.03
Free Cash Flow Yield	0.00	0.00

Metric
Cash & Equivalents	307.78M	1.43B
Accounts Receivable	-4.57M	-109.44M
Inventory
Goodwill
Debt to Capitalization	0.78	0.74
Debt to Assets	0.52	0.41
Current Ratio	270.19	4.10
Quick Ratio	158.18	4.29

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.00	0.01
R&D to Revenue
SG&A to Revenue		0.06