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PNB Housing Finance Limited PNBHOUSING NIFTY_SMALLNSEFINANCIAL

Financial Services · Mortgage Finance · India
https://www.pnbhousing.com
Company Profile ↓
₹1,146.00
+50.55% 1Y
Mkt Cap₹29,888.13 Cr
P/E12.93
P/B1.57
Div. Yield0.70%
52W High₹1,224.80
52W Low₹744.94
Book Value₹737.64
EPS (TTM)₹88.66

Company Overview

PNB Housing Finance Limited operates as a housing finance company in India. It offers loans to individuals and corporate bodies for purchase, construction, repair, and upgradation of houses; loans for commercial space, and loans against property, as well as for purchase of residential plots; and home loans, property-related services, and fixed deposits. The company was incorporated in 1988 and is based in Gurugram, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 29.9% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 12.5% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 12.9, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 61.4%.

Recent Developments

  • Mar 2026 Revenue of ₹3,617.44 Cr (+22.1% YoY); net profit ₹2,291.24 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +5.8%, earnings +4.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 12.5%, profit CAGR 29.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:12.49%
1 Year:5.80%

Compounded Profit Growth

5 Years:29.87%
1 Year:4.30%

Stock Price Performance

1 Year:+50.55%
6 Months:+10.31%
3 Months:+8.26%
1 Month:+0.43%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 84% of range
₹744.94 ₹1,224.80
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)49.65 · Neutral
Price Performance
1M+0.43%
3M+8.26%
6M+10.31%
1Y+50.55%
Valuation vs Sector

P/E of 12.93 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 61.4%.
  • Compounding revenue at 12.5% 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.

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Valuation

Stock P/E
12.93
Industry PE
15.36
Forward P/E
10.87
PEG Ratio
-
Book Value
₹737.64
Price to Book
1.57
P/S
8.00
EV/EBITDA
-
Dividend Yield
0.70%

Growth (CAGR)

Revenue 5Y
12.49%
Profit 5Y
29.87%
Revenue (YoY)
5.80%
Earnings (YoY)
4.30%

Profitability & Returns

ROCE
-
ROE
11.92%
ROA
2.45%
Profit Margin
61.35%
Op Margin
75.16%
Gross Margin
98.95%
EPS (Latest Qtr)
₹21.33
EPS (TTM)
₹88.66

Balance Sheet & Liquidity

Debt/Equity
2.88
Quick Ratio
2.42
Current Ratio
2.44
Debt
₹55,299.81 Cr
Total Assets
₹93,512.07 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
28.01%
Chg in Prom Hold
-0.02%
FII / Inst Holding
54.96%
Chg in FII Hold
-4.83%

Financial Snapshot

Enterprise Value
₹29,888.13 Cr
Total Revenue (TTM)
₹3,773.40 Cr
EBITDA
-
Free Cash Flow
₹-9,016.61 Cr
Operating Cash Flow
₹-8,983.55 Cr
Shares Outstanding
₹26.08 Cr
Gross Margin
98.95%
Payout Ratio
5.64%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PNBHOUSING PNB Housing Finance Limited NIFTY_SMALLNSEFINANCIAL 1,146.00 12.93 ₹29,888.13 Cr 0.70% - 11.92% 12.49% 29.87%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 1,636.00 Cr1,708.00 Cr1,778.00 Cr1,755.00 Cr1,810.00 Cr1,823.00 Cr1,879.00 Cr782.10 Cr854.22 Cr844.06 Cr2,128.00 Cr864.48 Cr921.73 Cr923.44 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 275.00 Cr201.00 Cr204.00 Cr216.00 Cr170.00 Cr168.00 Cr143.00 Cr202.58 Cr207.84 Cr212.36 Cr88.00 Cr236.57 Cr243.34 Cr234.14 Cr
Operating Income --------------
EBITDA --------------
Interest Expense 1,008.00 Cr1,048.00 Cr1,057.00 Cr1,087.00 Cr1,070.00 Cr1,097.00 Cr1,118.00 Cr1,157.92 Cr1,178.05 Cr1,234.37 Cr1,267.00 Cr1,252.82 Cr1,246.08 Cr1,338.63 Cr
Pretax Income 342.00 Cr447.00 Cr507.00 Cr440.00 Cr560.00 Cr554.00 Cr605.00 Cr615.65 Cr711.21 Cr687.92 Cr760.00 Cr668.44 Cr854.61 Cr718.44 Cr
Tax Provision 61.56 Cr98.34 Cr121.68 Cr101.20 Cr123.20 Cr121.88 Cr133.10 Cr132.38 Cr160.83 Cr154.42 Cr174.80 Cr148.09 Cr198.81 Cr161.10 Cr
Net Income 279.00 Cr347.00 Cr383.00 Cr338.00 Cr439.00 Cr433.00 Cr470.00 Cr483.27 Cr550.38 Cr533.50 Cr582.00 Cr520.35 Cr655.80 Cr557.34 Cr
Diluted EPS 10.7613.3814.7513.0316.9116.6618.0818.5321.1020.4522.3319.9325.1121.33

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 5,489.00 Cr7,679.00 Cr8,482.00 Cr7,604.00 Cr-2,541.07 Cr2,783.63 Cr2,962.06 Cr3,617.44 Cr
Cost of Revenue ---------
Gross Profit ---------
Operating Expenses 693.00 Cr750.00 Cr1,737.00 Cr1,253.00 Cr-519.59 Cr658.36 Cr798.89 Cr908.47 Cr
Operating Income ---------
EBITDA ---------
Interest Expense 3,537.00 Cr5,167.00 Cr5,875.00 Cr5,101.00 Cr-3,887.77 Cr4,250.60 Cr4,540.19 Cr5,000.37 Cr
Pretax Income 1,235.00 Cr1,734.00 Cr811.00 Cr1,207.00 Cr-1,360.91 Cr1,953.90 Cr2,485.77 Cr2,970.61 Cr
Tax Provision 395.20 Cr537.54 Cr162.20 Cr277.61 Cr-314.91 Cr445.89 Cr549.63 Cr679.37 Cr
Net Income 841.00 Cr1,192.00 Cr646.00 Cr930.00 Cr-1,046.00 Cr1,508.01 Cr1,936.14 Cr2,291.24 Cr
Diluted EPS 32.8646.2925.0035.96-53.1658.2074.2587.80

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 63,014.00 Cr83,869.00 Cr78,930.00 Cr71,392.00 Cr-66,873.70 Cr72,404.85 Cr82,520.36 Cr93,512.07 Cr
Current Assets ---------
Cash & Equivalents -----3,788.46 Cr2,607.32 Cr3,621.46 Cr3,345.34 Cr
Inventory ---------
Receivables -----752.58 Cr598.14 Cr377.58 Cr320.85 Cr
Total Liabilities -----55,859.84 Cr57,430.41 Cr65,657.23 Cr74,292.94 Cr
Current Liabilities ---------
Long Term Debt ---------
Total Debt -----36,481.89 Cr37,391.34 Cr44,813.75 Cr53,313.65 Cr
Total Equity 6,568.00 Cr7,543.00 Cr7,998.00 Cr8,923.00 Cr-11,013.86 Cr14,974.44 Cr16,863.13 Cr19,219.13 Cr
Shares Outstanding -----20.39 Cr25.97 Cr25.99 Cr26.05 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -15,664.00 Cr-16,617.00 Cr8,928.00 Cr6,611.00 Cr6,254.00 Cr-1,865.03 Cr-4,661.51 Cr-8,057.33 Cr-8,983.55 Cr
Investing Cash Flow -50.00 Cr-54.00 Cr-63.00 Cr21.00 Cr-1,475.00 Cr175.78 Cr-1,186.08 Cr757.10 Cr684.33 Cr
Financing Cash Flow 18,464.00 Cr17,888.00 Cr-4,386.00 Cr-8,178.00 Cr-6,732.00 Cr301.47 Cr4,178.63 Cr7,403.86 Cr8,719.78 Cr
Capital Expenditure -49.00 Cr-54.00 Cr-62.00 Cr-5.00 Cr-15.00 Cr-14.85 Cr-39.29 Cr-49.05 Cr-33.06 Cr
Free Cash Flow -15,713.00 Cr-16,671.00 Cr8,866.00 Cr6,606.00 Cr6,239.00 Cr-1,879.88 Cr-4,700.80 Cr-8,106.38 Cr-9,016.61 Cr
Net Change in Cash 2,751.00 Cr1,217.00 Cr4,480.00 Cr-1,546.00 Cr-1,953.00 Cr-1,387.78 Cr-1,668.96 Cr103.63 Cr420.56 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ---------
Operating Margin % ---------
Net Margin % 15.3%15.5%7.6%12.2%-41.2%54.2%65.4%63.3%
ROE % 12.8%15.8%8.1%10.4%-9.5%10.1%11.5%11.9%
ROCE % ---------

Shareholding Pattern

Insiders
28.01%
Institutions
54.96%
Public Float
76.34%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for PNBHOUSING

Google News Wed, 21 Oct 2026

PNB Housing fixes AGM date, recommends ₹8 dividend - scanx.trade

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxQNGRBQ0d0ZGhwN2dGS3MyOVowNUtYelRfcUNKZU5yRkhNUy14c1JsNlAyNm5ZNHh4LTVsNkQ4YmVueERtY3JOQXRGaHJ1U2V5NFIzS0U3RGFIRUxLMGJxQjFtQ3gwVjd0SE5Gb1BsLUlGZEtPZWE0enJJdzVNMUxiMTJhZkJvTnR2TE1qc2…

Google News Sun, 11 Oct 2026

PNB Housing Finance (NSEI:PNBHOUSING) Stock Forecast & Analyst Predictions - Simply Wall Street

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Google News Sat, 17 Oct 2026

PNBHOUSING Share Price Today - PNB Housing Finance on NSE/BSE - scanx.trade

<a href="https://news.google.com/rss/articles/CBMiYEFVX3lxTE4wQXBGbVNWVlF4QXVwd1VyOENETWROSXBBZ3Q3NFliVTRfenBHUzgzdTRrTEdPTzdodnNFbkNxdHJVNTRpNWVaenVVTFhhdTh0TVlMRV9OVXYzLUd6Vm1yQQ?oc=5" target="_blank">PNBHOUSING Share Price Today - PNB Ho…

Google News ue, 21 Apr 2026

PNB Housing Finance soars 10% post Q4 results: Why Morgan Stanley, other brokerages remain bullish - The Economic Times

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Google News ue, 21 Apr 2026

Stocks to Watch Today: PNB Housing Finance, NELCO, Ugro Capital, TVS Motor, JSW Steel, Apeejay Surrendra,... - Moneycontrol.com

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Google News Wed, 05 Aug 2026

Rate-sensitive shares, Ola Electric, PNB Housing Finance among buzzing stocks as NIFTY falls over 90 pts; SENSEX flat - Upstox

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PNBHOUSING — Frequently Asked Questions

What is the current share price of PNB Housing Finance Limited (PNBHOUSING)?

As of 2026-10-23 04:58 IST, PNB Housing Finance Limited (PNBHOUSING) trades at ₹1,146.00 on NSE. Its 52-week range is ₹744.94 to ₹1,224.80.

What is the market capitalisation of PNBHOUSING?

PNB Housing Finance Limited (PNBHOUSING) has a market capitalisation of ₹29,888.13 Cr on NSE.

What is the P/E ratio of PNBHOUSING?

PNBHOUSING trades at a trailing price-to-earnings (P/E) ratio of 12.93. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 1.57.

Does PNBHOUSING pay a dividend?

PNB Housing Finance Limited (PNBHOUSING) currently offers a dividend yield of 0.70%.

What is the return on equity (ROE) of PNBHOUSING?

PNBHOUSING has a return on equity (ROE) of 11.92%.

Is PNBHOUSING a good stock to buy?

This page provides a data-driven analysis of PNB Housing Finance Limited (PNBHOUSING), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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