PNB Housing Finance
Market cap ₹28,404 Cr
- P/E
- 12.54
- Day range
- ₹1,074.60 – ₹1,137.60
- 52-week range
- ₹729.60 – ₹1,224.80
- Volume
- 6.09 L
- Open
- ₹1,132.70
- Prev close
- ₹1,138.50
Latest results · Q1 FY27(consolidated)Revenue ₹2,263 Cr+9.0%Profit ₹557 Cr+4.5%Margin 24.6%YoY vs the same quarter last year
No red flags in exchange filings: no rising pledge, promoter selling, surveillance or critical filing on record.
PNBHOUSING in NSE indices and F&O
F&O margin for one lot of PNBHOUSING (650 shares)Research profile
Composite 53 / 100Factor percentiles
Derived metrics
- Earn. yield
- 8.0%
- Graham no.
- ₹1,212.55
- vs Graham
- +11.3%
- ROE ÷ P/B
- 8.6%
- 12-1 mom.
- +33.5%
- Return / vol
- 0.91
- Piotroski
- 3/5
- FCF yield
- -31.7%
- PEG
- 0.65
Appears in 11 scans
Percentiles rank this stock against the other tracked stocks and change as they do. Scans describe where figures sit today. Hover a label for its definition. Not investment advice.
Peer comparison
All 68 in NBFC| Company | M-cap | P/E | P/B | ROE | ROCE | OPM | D/E | Sales YoY |
|---|---|---|---|---|---|---|---|---|
| Bajaj FinanceBAJFINANCE | ₹5.78 L Cr | 26.67 | 4.76 | 18.4% | 10.9% | — | 4.08 | +22.8% |
| National Stock Exchange of IndiaNSE | ₹4.13 L Cr | 39.37 | — | 33.0% | 41.0% | 78.0% | 0.01 | — |
| Bajaj FinservBAJAJFINSV | ₹2.65 L Cr | 26.27 | 3.45 | 26.2% | 11.0% | 41.0% | 5.52 | +19.1% |
| Shriram FinanceSHRIRAMFIN | ₹2.04 L Cr | 14.42 | 1.82 | 16.4% | 11.5% | — | 2.12 | +15.8% |
| Jio Financial ServicesJIOFIN | ₹1.35 L Cr | 77.96 | 1.05 | 1.2% | 2.0% | 63.0% | 0.32 | +73.2% |
| BSE LtdBSE | ₹1.31 L Cr | 47.00 | 19.91 | 44.8% | 60.0% | 67.0% | 0.00 | +63.5% |
| ICICI Prudential Asset Management CompanyICICIAMC | ₹1.31 L Cr | 37.67 | 25.19 | 85.8% | 115.0% | 73.0% | 0.00 | +16.3% |
| PNB Housing FinancePNBHOUSING | ₹28,404 Cr | 12.54 | 1.48 | 12.7% | 9.4% | — | 3.70 | +9.0% |
| Sector median | ₹26,914 Cr | 20.19 | 2.71 | 15.3% | 11.4% | 54.0% | 1.74 | +20.3% |
Sector as classified in the tracked universe; medians use every tracked NBFC company, and P/E only profitable ones. Tinted figures beat the median.
Latest news
Updated 8d agoHeadlines about PNB Housing Finance from the last two weeks in the financial press. Stories belong to their publishers; Parasram India does not endorse them.
Key metrics
- P/E (TTM)
- 12.3
- EPS (TTM)
- ₹88.66
- Price / Book
- 1.48
- ROE (FY26)
- 12.7%
- Dividend yield
- 0.73%
Moving averages (NSE)
- 20-day
- ₹1,136.47
- Price below
- 50-day
- ₹1,148.43
- Price below
- 200-day
- ₹1,006.34
- Price above
Charts & trends
From company filings. Amounts in ₹ crore.
Revenue, profit & margin - quarterly
₹ crore; a loss shows red. Operating margin below, same periods.
- Revenue
- Net profit
Operating margin
Who owns the company
% of equity by quarter, latest Sept 2026
- DII
- Promoter
- FII
- Public
- Government
Cash flows
Where cash came from and went, by fiscal year (₹ crore)
- Operating
- Investing
- Financing
- Free cash flow
Return on equity
Net profit over shareholders' equity, by fiscal year
Equity vs debt
Shareholders' equity against borrowings (₹ crore); the ratio below, same years.
- Equity
- Debt
Debt to equity
Dividends per share
₹ by fiscal year of the ex-date; the latest year runs to date.
Financial statements
| Line item | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,778 | 1,755 | 1,810 | 1,823 | 1,879 | 1,942 | 2,022 | 2,076 | 2,128 | 2,119 | 2,182 | 2,263 |
| Interest | 1,057 | 1,087 | 1,070 | 1,097 | 1,118 | 1,158 | 1,178 | 1,234 | 1,267 | 1,253 | 1,246 | 1,339 |
| Expenses | 204 | 216 | 170 | 168 | 143 | 155 | 133 | 145 | 88 | 183 | 52 | 192 |
| Financing Profit | 517 | 452 | 570 | 559 | 618 | 629 | 711 | 697 | 773 | 683 | 883 | 733 |
| Financing Margin % | 29% | 26% | 31% | 31% | 33% | 32% | 35% | 34% | 36% | 32% | 40% | 32% |
| Other Income | 2 | 1 | 4 | 9 | 1 | 1 | 15 | 6 | 3 | 2 | -10 | 2 |
| Depreciation | 11 | 13 | 14 | 13 | 14 | 14 | 14 | 15 | 16 | 16 | 19 | 16 |
| Profit before tax | 507 | 440 | 560 | 554 | 605 | 616 | 711 | 688 | 760 | 668 | 855 | 718 |
| Tax % | 24% | 23% | 22% | 22% | 22% | 22% | 23% | 22% | 23% | 22% | 23% | 22% |
| Net Profit | 383 | 338 | 439 | 433 | 470 | 483 | 550 | 534 | 582 | 520 | 656 | 557 |
| EPS in Rs | ₹14.75 | ₹13.03 | ₹16.91 | ₹16.66 | ₹18.08 | ₹18.60 | ₹21.17 | ₹20.51 | ₹22.33 | ₹19.97 | ₹25.17 | ₹21.39 |
| Gross NPA % | — | — | — | — | 1.2% | 1.2% | — | 1.1% | 1.0% | 1.0% | 0.9% | 0.9% |
| Net NPA % | — | — | — | — | 0.8% | 0.8% | — | 0.7% | 0.7% | 0.7% | 0.6% | 0.6% |
From company filings, updated 24 Oct 2026. Consolidated figures where the company reports them. Information only, not investment advice.
Strengths, risks & growth
PNB Housing Finance offers retail customers housing and non-housing loans, including individual home loans, loan against property, non-resident property loan, among others. It is promoted by Punjab National Bank. [1]
Strengths
- Company has delivered good profit growth of 19.7% CAGR over last 5 years
Risks
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 2.24% over past five years.
- Company has a low return on equity of 12.2% over last 3 years.
- Company might be capitalizing the interest cost
Compounded Sales Growth
- 10 Years
- —
- 5 Years
- +2%
- 3 Years
- +9%
- TTM
- +10%
Compounded Profit Growth
- 10 Years
- —
- 5 Years
- +20%
- 3 Years
- +30%
- TTM
- +14%
Stock Price CAGR
- 10 Years
- —
- 5 Years
- +20%
- 3 Years
- +15%
- 1 Year
- +20%
Return on Equity
- 10 Years
- —
- 5 Years
- +11%
- 3 Years
- +12%
- Last Year
- +13%
Strengths and risks are a machine-generated checklist, not advice; growth is compounded annually over each period.
Shareholding pattern
| Holder | Dec 2025 | Mar 2026 | Jun 2026 | Sept 2026 | Change |
|---|---|---|---|---|---|
| Promoter | 28.04% | 28.04% | 28.03% | 28.01% | -0.02 pp |
| FII | 17.22% | 16.60% | 16.81% | 14.19% | -2.62 pp |
| DII | 43.02% | 44.07% | 45.71% | 49.29% | +3.58 pp |
| Government | 0.02% | 0.02% | 0.02% | 0.00% | -0.02 pp |
| Public | 11.69% | 11.28% | 9.42% | 8.51% | -0.91 pp |
Filed with NSE for Sept 2026: promoters 28.01%, public 71.99% · XBRL filing
Analysts & fund holdings
Who holds the shares, quarter by quarter
Mutual funds 36.46% (+2.84 pp)- Promoters28.0%
- Foreign institutions14.2%
- Mutual funds36.5%
- Insurance7.9%
- Other domestic institutions5.0%
- Retail5.7%
- Others2.8%
| Fund | % of company | % of fund | 3-month change |
|---|---|---|---|
| ICICI Pru Focused Fund | 1.76% | 3.13% | +0.45 pp |
| Nippon India Small Cap Fund | 1.75% | 0.66% | +0.04 pp |
| Aditya Birla SL Large Cap Fund | 1.31% | 1.43% | +0.40 pp |
| HSBC Value Fund | 1.31% | 2.72% | +0.23 pp |
| Axis Small Cap Fund | 1.24% | 1.24% | +0.18 pp |
Scorecard
- Performance
- Avg
- Valuation
- High
- Growth
- Low
- Profitability
- Avg
- Entry point
- Good
- Red flags
- Low
Analyst coverage, holdings and scorecard from market data; not a recommendation by Parasram India.
Risk & trend
From 275 daily sessions to 23 Oct 2026.
Risk
- Volatility (1Y)
- 32.2%
- Downside volatility
- 31.2%
- Worst 5% of days
- 2.8%
- Average of that tail
- 4.5%
- Max drawdown (1Y)
- 25.5%
- Below its peak
- 11.1%
Against the market
- Beta vs Nifty 50
- 1.37
- Correlation
- 0.57
- Relative strength (3M)
- +7.4%
- ATR (14)
- 3.1%
Return
- Return 1M
- -3.2%
- Return 3M
- +2.1%
- Return 6M
- +10.0%
- Return 1Y
- +29.2%
- vs 200-day average
- +8.2%
Momentum
- RSI (14)
- 39.1
- MACD histogram
- -4.79
- Stochastic %K
- 9.7
- ADX (14)
- 17.3
- +DI / −DI
- 18.1 / 31.2
- Money flow index
- 64.8
Participation
- Delivery (20d avg)
- 48.4%
- vs its 60-day baseline
- -0.4 pts
- Volume vs 20-day
- -0.5σ
- Close vs day's VWAP
- -0.5%
- 52-week position
- 71 / 100
These describe what this stock's price has already done. They are not forecasts, signals or recommendations, and a dash means the figure was withheld for want of enough history rather than being zero.
Financial quality
From consolidated statements to 31 Mar 2026.
Piotroski F-Score
3 of 5 tested
- Return on assets positive — passed
- Operating cash flow positive — not testableno cash flow statement for this period
- Return on assets improving — passed
- Cash flow exceeds profit — not testableneeds cash flow and profit against assets
- Debt to assets falling — failed
- Current ratio improving — not testableno current assets or liabilities figure
- No new equity issued — not testableno share count is collected, and financing cash flow mixes equity with debt
- Operating margin improving — passed
- Asset turnover improving — failed
- Free cash flow
- -₹9,017 Cr
- FCF yield
- -31.7%
- Cash conversion
- -3.92
- Accruals ratio
- 0.121
- Net debt
- ₹49,968 Cr
- Net debt / equity
- 2.60
- EV / sales
- 9.02
- PEG
- 0.65
- Capex intensity
- 0.4%
- Revenue CAGR
- 7.9%
- Profit CAGR
- 19.2%
Computed from filed statements, not filed themselves. A dash means an input was absent, and the score counts only the criteria that could actually be tested.
Corporate actions
- dividend₹8.00
Dividend - Rs 8 Per Share
31 Jul 2026ex-date - dividend₹5.00
Dividend - Rs 5 Per Share
1 Aug 2025ex-date - rightsNot available — not reported in this filing
Rights 29:54@ Premium Rs 265/-
5 Apr 2023ex-date - otherNot available — not reported in this filing
Annual General Meeting
26 Aug 2021ex-date - otherNot available — not reported in this filing
Annual General Meeting
28 Jul 2020ex-date - dividend₹9.00
Annual General Meeting/Dividend - Rs 9 Per Share
19 Jul 2019ex-date - dividend₹9.00
Dividend Rs 9/- Per Share
19 Jul 2018ex-date - dividend₹6.00
Annual General Meeting/ Dividend - Rs 6/- Per Share
25 Jul 2017ex-date
Company announcements
Earnings call Invite for the 2nd quarter and half year ended September 30, 2026
PNB Housing Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 28/10/2026 ,inter alia, to consider and approve to consider and approve ....
Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the quarter ended September 30, 2026 is enclosed.
Press Release on Credit Rating Upgrade to "AAA" from Crisil.
Intimation of credit Rating upgradation to 'Crisil AAA/ Stable' by Crisil Ratings.
PNB Housing Finance has informed the Exchange regarding Trading Window Closure
Details of the ratings assigned by re-affirmed by ICRA limited vide its rating rationale letter dated September 25, 2026 are enclosed.
Analysts or Institutional investors meet - Outcome
This is to inform that Mr Anubhav Rajput, Function Head (IT Department) has been relieved from services of the Company on close of business hours today i.e. September 23, 2026.
Analysts or Institutional investors meet - Outcome
Intimation for Change in Role - Senior Management Personnel
Schedule of analysts or institutional investors meet - Prior Intimation
The Company has informed the Exchange regarding allotment of 50000NCDs
Schedule of analysts or institutional investors meet - Prior Intimation
Revised Outcome of Board Meeting held on September 7, 2026. For details, refer enclosed file.
Filed with BSE (scrip 540173); the last 45 days. Documents open at bseindia.com.
SEBI filings & orders
From SEBI's website. An order may concern the company, its officers or trading in its shares, and may be under appeal - read the order itself. Personal identifiers are withheld.
Buybacks, open offers & rights issues
- Rights issue - Letter of Offer
PNB Housing Finance Limited - Letter of Offer
31 Mar 2023Read on SEBI - Rights issue - DLOF
PNB Housing Finance Limited - DLOF
2 Dec 2022Read on SEBI - Open offer
PNB HOUSING FINANCE LIMITED
31 May 2021Read on SEBI
Regulatory orders
- Adjudication order
Adjudication Order in respect of 9 entities in the matter of trading activities by certain entities in the scrip of PNB Housing Finance Ltd. [Corrigendum]
27 Dec 2024Read on SEBI - Settlement order
Settlement Order in respect of Shri Sidhant Chandalia in the matter of trading activities by certain entities in the scrip of PNB Housing Finance Limited
13 Aug 2024Read on SEBI - Settlement order
Settlement Order in respect of Shri Naysar Parikh and Shri Ronak Narendra Parikh in the matter of trading activities by certain entities in the scrip of PNB Housing Finance Limited
13 Aug 2024Read on SEBI - Settlement order
Settlement Order in respect of PNB Housing Finance Limited and 12 others in the matter of PNB Housing Finance Limited
19 Jul 2022Read on SEBI
Documents
Annual reports
Earnings calls
- Aug 2026TranscriptSlidesRecording
- Apr 2026TranscriptSlidesRecording
- Apr 2026Slides
- Jan 2026TranscriptSlides
- Oct 2025TranscriptSlidesRecording
- Aug 2025TranscriptRecording
Credit ratings
- Rating update · 6 Oct from crisil
- Rating update · 25 Sep from icra
- Rating update · 25 Aug from icra
- Rating update · 20 Aug from fitch
- Rating update · 3 Jul from care
- Rating update · 7 May from care
Documents open at BSE or the rating agency that issued them.
Sourced from the company's NSE XBRL filing dated 5 Aug 2026 (unaudited). View the source filing. Figures are as filed and are not investment advice.
PNB Housing Finance: common questions
Answered from the figures on this page.
