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PNB Housing Finance (BOM:540173) Cyclically Adjusted PS Ratio : 7.99 (As of Jun. 03, 2025)


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What is PNB Housing Finance Cyclically Adjusted PS Ratio?

As of today (2025-06-03), PNB Housing Finance's current share price is ₹1049.65. PNB Housing Finance's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2025 was ₹131.40. PNB Housing Finance's Cyclically Adjusted PS Ratio for today is 7.99.

The historical rank and industry rank for PNB Housing Finance's Cyclically Adjusted PS Ratio or its related term are showing as below:

BOM:540173' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 5.78   Med: 6.85   Max: 8.7
Current: 7.95

During the past years, PNB Housing Finance's highest Cyclically Adjusted PS Ratio was 8.70. The lowest was 5.78. And the median was 6.85.

BOM:540173's Cyclically Adjusted PS Ratio is ranked worse than
94.62% of 1246 companies
in the Banks industry
Industry Median: 2.72 vs BOM:540173: 7.95

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

PNB Housing Finance's adjusted revenue per share data for the three months ended in Mar. 2025 was ₹32.765. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is ₹131.40 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


PNB Housing Finance Cyclically Adjusted PS Ratio Historical Data

The historical data trend for PNB Housing Finance's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

PNB Housing Finance Cyclically Adjusted PS Ratio Chart

PNB Housing Finance Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - 6.71

PNB Housing Finance Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - 6.01 7.45 6.65 6.71

Competitive Comparison of PNB Housing Finance's Cyclically Adjusted PS Ratio

For the Mortgage Finance subindustry, PNB Housing Finance's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PNB Housing Finance's Cyclically Adjusted PS Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, PNB Housing Finance's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where PNB Housing Finance's Cyclically Adjusted PS Ratio falls into.


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PNB Housing Finance Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

PNB Housing Finance's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=1049.65/131.40
=7.99

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

PNB Housing Finance's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, PNB Housing Finance's adjusted Revenue per Share data for the three months ended in Mar. 2025 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=32.765/157.5517*157.5517
=32.765

Current CPI (Mar. 2025) = 157.5517.

PNB Housing Finance Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201503 0.000 97.163 0.000
201509 12.857 101.753 19.907
201512 14.567 102.901 22.304
201603 16.995 102.518 26.118
201606 16.487 105.961 24.514
201609 18.282 105.961 27.183
201612 17.698 105.196 26.506
201703 19.644 105.196 29.421
201706 21.646 107.109 31.840
201709 20.689 109.021 29.899
201712 23.113 109.404 33.285
201803 27.204 109.786 39.040
201806 26.090 111.317 36.926
201809 27.686 115.142 37.883
201812 32.190 115.142 44.046
201903 35.109 118.202 46.797
201906 35.231 120.880 45.919
201909 34.709 123.175 44.396
201912 30.108 126.235 37.577
202003 28.067 124.705 35.460
202006 25.010 127.000 31.026
202009 33.525 130.118 40.593
202012 31.963 130.889 38.474
202103 33.187 131.771 39.680
202106 28.922 134.084 33.984
202109 27.003 135.847 31.317
202112 24.314 138.161 27.726
202203 23.998 138.822 27.236
202206 24.259 142.347 26.850
202209 36.544 144.661 39.800
202212 40.552 145.763 43.832
202303 27.758 146.865 29.778
202306 25.773 150.280 27.020
202309 27.675 151.492 28.782
202312 25.543 152.924 26.316
202403 28.478 153.035 29.319
202406 28.098 155.789 28.416
202409 29.080 157.882 29.019
202412 29.988 158.323 29.842
202503 32.765 157.552 32.765

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


PNB Housing Finance  (BOM:540173) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


PNB Housing Finance Cyclically Adjusted PS Ratio Related Terms

Thank you for viewing the detailed overview of PNB Housing Finance's Cyclically Adjusted PS Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


PNB Housing Finance Business Description

Traded in Other Exchanges
Address
22 Kasturba Gandhi Marg, 9th Floor, Antriksh Bhavan, New Delhi, IND, 110 001
PNB Housing Finance Ltd is an India-based housing finance company. It is engaged in the business of providing loans for the purchase, construction, repairs, and renovations of houses, flats, and commercial properties. The company also provides loans for commercial space, loans against property, and loans for the purchase of residential plots. Geographically, it operates only in India. It generates revenue in the form of Interest income, and Fees and commission income.

PNB Housing Finance Headlines

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