PNBHOUSING

Vijay Kumar Gupta, SEBI Registered Research Analyst (INH000020226) 📌 My View (Short-Term): The stock is rangebound near the top of a consolidation zone with low volatility. Price compression indicates possible buildup before directional move, supported by stable fundamentals. 📊 Chart Insight (1D Timeframe): Price hovering within a fair value gap near ₹1080–₹1090 zone. Ichimoku cloud still showing bullish trend bias; price above cloud. CCI cooling off, currently around -80, indicating temporary loss of momentum. TTM Squeeze is on — low volatility with possible buildup. CMF marginally positive, indicating muted but steady inflow. Overall, sideways bias with mild bullish undertone as long as support levels hold. 🧠 Fundamentals & News Flow: Business: PNB Housing is one of India’s largest housing finance companies, primarily focused on retail housing loans. Recent Updates: Q4FY25 consolidated PAT at ₹439 Cr, up ~57% YoY. NIM stable at ~3.65%; AUM growth of 9% YoY. Gross NPA improved to 1.42% vs 2.32% YoY – strong asset quality rebound. Retail disbursements saw 30% YoY jump led by Tier 2/3 cities. Strategic Shift: Focus on affordable and salaried segment; reduction in corporate book. Management Outlook: Targeting 15–18% loan book growth in FY26, aided by digital sourcing. 🧩 Key Sentiment Drivers: Positive sector outlook due to housing demand revival and interest rate stability. FII flows and HFC re-rating theme supporting the stock. Stable ROA/ROE metrics and improving GNPA trend building investor confidence. 🔗 ***** | SEBI INH000020226 | Personal view only – not an investment recommendation.