PNB Housing Finance Limited PNBHOUSING NIFTY_SMALLNSEFINANCIAL
Financial Services · Mortgage Finance · India
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, etc.; residential plot loans and loans for NRIs; loan against property, lease rental discounting, and loans for real estate developers; and home loans and fixed deposit products. The company was incorporated in 1988 and is based in Gurugram, India.
READ MORE ›₹1,030.50
-0.66% 1Y
Market & Price
Market Cap
₹26,853.79 Cr
Current Price
₹1,030.50
High / Low (52W)
₹1,120.49 / ₹750.75
Beta
0.36
Valuation
Stock P/E
11.74
Industry PE
19.12
Forward P/E
9.92
PEG Ratio
-
Book Value
₹737.64
Price to Book
1.40
P/S
6.90
EV/EBITDA
-
Dividend Yield
0.49%
Profitability & Returns
ROCE
-
ROE
12.70%
ROA
2.60%
Profit Margin
58.89%
Op Margin
77.55%
EPS (Latest Qtr)
₹25.11
EPS (TTM)
₹87.80
Balance Sheet & Liquidity
Debt/Equity
2.77
Quick Ratio
4.98
Current Ratio
4.98
Debt
₹53,317.23 Cr
Total Assets
₹93,512.07 Cr
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
28.03%
Chg in Prom Hold
-
FII / Inst Holding
55.31%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
₹76,557.11 Cr
Total Revenue (TTM)
₹3,890.95 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-8,983.55 Cr
Shares Outstanding
₹26.06 Cr
Gross Margin
99.71%
Payout Ratio
5.69%
Growth (CAGR)
Revenue 5Y
11.19%
Profit 5Y
29.87%
Revenue (YoY)
21.60%
Earnings (YoY)
19.00%
PROS
- Excellent profit margin of 58.9%.
- Compounding revenue at 11.2% over 5 years.
- Profit CAGR of 29.9% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PNBHOUSING PNB Housing Finance Limited NIFTY_SMALLNSEFINANCIAL | 1,030.50 | 11.74 | ₹26,853.79 Cr | 0.49% | - | 12.70% | 11.19% | 29.87% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
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Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 782.10 Cr | 854.22 Cr | 844.06 Cr | 864.48 Cr | 921.73 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 202.58 Cr | 207.84 Cr | 212.36 Cr | 236.57 Cr | 243.34 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 1,157.92 Cr | 1,178.05 Cr | 1,234.37 Cr | 1,252.82 Cr | 1,246.08 Cr |
| Pretax Income | 615.65 Cr | 711.21 Cr | 687.92 Cr | 668.44 Cr | 854.61 Cr |
| Tax Provision | 132.38 Cr | 160.83 Cr | 154.42 Cr | 148.09 Cr | 198.81 Cr |
| Net Income | 483.27 Cr | 550.38 Cr | 533.50 Cr | 520.35 Cr | 655.80 Cr |
| Diluted EPS | 18.53 | 21.10 | 20.45 | 19.93 | 25.11 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 2,541.07 Cr | 2,783.63 Cr | 3,126.41 Cr | 3,493.54 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 519.59 Cr | 658.36 Cr | 799.17 Cr | 909.08 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 3,887.77 Cr | 4,250.60 Cr | 4,551.40 Cr | 5,000.24 Cr |
| Pretax Income | - | 1,360.91 Cr | 1,953.90 Cr | 2,485.77 Cr | 2,970.61 Cr |
| Tax Provision | - | 314.91 Cr | 445.89 Cr | 549.63 Cr | 679.37 Cr |
| Net Income | - | 1,046.00 Cr | 1,508.01 Cr | 1,936.14 Cr | 2,291.24 Cr |
| Diluted EPS | - | 53.16 | 58.20 | 74.25 | 87.80 |
Compounded Sales Growth
| 5 Years: | 11.19% |
| 1 Year: | 21.60% |
Compounded Profit Growth
| 5 Years: | 29.87% |
| 1 Year: | 19.00% |
Stock Price Performance
| 1 Year: | -0.66% |
| 6 Months: | +16.91% |
| 3 Months: | +23.90% |
| 1 Month: | -1.45% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 66,873.70 Cr | 72,404.85 Cr | 82,520.36 Cr | 93,512.07 Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 3,788.46 Cr | 2,607.32 Cr | 3,621.46 Cr | 3,339.21 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | 752.58 Cr | 598.14 Cr | 377.58 Cr | 47.04 Cr |
| Total Liabilities | - | 55,859.84 Cr | 57,430.41 Cr | 65,657.23 Cr | 74,292.94 Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 36,481.89 Cr | 37,391.34 Cr | 44,813.75 Cr | 53,143.21 Cr |
| Total Equity | - | 11,013.86 Cr | 14,974.44 Cr | 16,863.13 Cr | 19,219.13 Cr |
| Shares Outstanding | - | 20.39 Cr | 25.97 Cr | 25.99 Cr | 26.05 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Operating Cash Flow | -1,865.03 Cr | -4,661.51 Cr | -8,057.33 Cr | -8,983.55 Cr |
| Investing Cash Flow | 175.78 Cr | -1,186.08 Cr | 757.10 Cr | 684.33 Cr |
| Financing Cash Flow | 301.47 Cr | 4,178.63 Cr | 7,403.86 Cr | 8,719.78 Cr |
| Capital Expenditure | -14.85 Cr | -39.29 Cr | -49.05 Cr | -33.06 Cr |
| Free Cash Flow | -1,879.88 Cr | -4,700.80 Cr | -8,106.38 Cr | -9,016.61 Cr |
| Net Change in Cash | -1,387.78 Cr | -1,668.96 Cr | 103.63 Cr | 420.56 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 41.2% | 54.2% | 61.9% | 65.6% |
| ROE % | - | 9.5% | 10.1% | 11.5% | 11.9% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Insiders
28.03%
Institutions
55.31%
Public Float
76.85%
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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