PNB Housing Finance vs Fmcct: Fair Value & Quality
Both stocks run through our valuation models. Here is how PNB Housing Finance (PNBHOUSING) and Fmcct (FMCCT) compare, as of Aug 14, 2026.
As of Aug 14, 2026, Fair Value Calculator sees Fmcct as the more attractively valued of the two: PNB Housing Finance trades at ₹1,151 versus a fair value of ₹763 (-34%), while Fmcct trades at $15.00 versus $29.24 (+95%).
PNB Housing Finance
PNBHOUSING.NSE · INR · Financials
-34%
upside to fair value
overvalued
Price₹1,151
Fair Value₹763
Quality45/100
Fmcct
FMCCT · USD · Financials
+95%
upside to fair value
undervalued
Price$15.00
Fair Value$29.24
Quality53/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
PNB Housing FinanceFmcct
Valuation
13.1×P/E (TTM)242.6×
7.07×P/S (TTM)—
1.43×P/B—
17.2×EV/EBITDA—
0.8%Dividend yield—
₹8.00Dividend per share—
Profitability
59%Net margin50%
78%Operating margin69%
13%Return on equity17%
3%Return on assets0%
Growth
22%Revenue growth (YoY)16%
9.8%Avg. growth/yr (3Y)92.6%
2.3%Avg. growth/yr (5Y)43.0%
Balance & size
1.47×Debt / equity47.84×
$3BMarket cap$59B
healthyGrowth qualitymixed
PNB Housing Finance leads: 6 to 3 metric wins.
Dash = not meaningfully computable, for example with negative equity.
Quality in detail
The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.
PNB Housing Financeof which business quality 43 · market factors 81Fmcctof which business quality 49 · market factors 12
ProfitabilityMargins and returns on capital today
37
36
Quality GrowthAre margins and returns improving?
56
29
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
47
62
Low VolatilityCalm price path (market factor)
81
29
MomentumPrice trend over the last 3–12 months (market factor)
74
7
52W MomentumDistance to the 52-week high (market factor)
92
0
Net IssuanceBuybacks instead of dilution
40
82
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
PNB Housing Finance
DCF Models₹600
Earnings-Based₹1,967
Dividend Discount₹95.46
Multiples₹1,088
Asset-Based₹494
Growth DCF₹518
Economic Profit₹849
11 of 13 models see the stock below the current price.
Fmcct
Earnings-Based$137
Multiples$36.95
Asset-Based$14.64
Economic Profit$29.54
1 of 6 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
PNB Housing Finance
Bear ₹660Fair Value ₹763Bull ₹1,429
₹1,151 = current price (white tick)
Fmcct
Bear $21.93Fair Value $29.24Bull $36.54
$15.00 = current price (white tick)
Compare two other stocks
Tap a field and type again, ticker or company name.
Free, no sign-up
Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
PNB Housing Finance · Financials
Quality score45 · bottom 25%
Fair value upside-34% · below median
Fmcct · Financials
Quality score53 · below median
Fair value upside+95% · Top 25%
Bottom line
As of Aug 14, 2026, Fair Value Calculator sees Fmcct as the more attractively valued of the two: PNB Housing Finance trades at ₹1,151 versus a fair value of ₹763 (-34%), while Fmcct trades at $15.00 versus $29.24 (+95%).
Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.
A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
