PNB Housing Finance Ltd (PNBHOUSING)
₹1,169.90
Mkt cap
₹30,830 Cr
P/E ratio
13.10
P/B
1.59
Div yield
0.68%
ROE
12.90%
ROCE
9.44%
EPS (TTM)
₹89.31
Book value
₹738
52W range
751–1,185
Sector
Financial Services
Price history
Previous close
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]
NSE PNBHOUSINGBSE 540173
Health check
Mixed
ValuationFair
ProfitabilityWeak
TechnicalsBullish
52-week range
−1.27% from high₹1,170
₹751+55.83% from low₹1,185
Current
₹1,169.90
Prev close
₹1,182.10
Day
−1.03%
Price performance
1D
−1.03%
1W
+1.55%
1M
+1.79%
3M
+20.80%
6M
+47.97%
1Y
+48.95%
YTD
+17.22%
Financials
Revenue, profit & margin
P/E ratio
13.1×
PNBHOUSING is 0% below the sector median of 13.1×
PNBHOUSING13.1×
Sector median13.1×
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026NSE | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,636 | 1,708 | 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 | 1,008 | 1,048 | 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 | 275 | 201 | 204 | 216 | 170 | 168 | 143 | 155 | 133 | 145 | 88 | 183 | 52 | 192 | |
| Financing Profit | 353 | 459 | 517 | 452 | 570 | 559 | 618 | 629 | 711 | 697 | 773 | 683 | 883 | 733 | |
| Financing Margin % | 22% | 27% | 29% | 26% | 31% | 31% | 33% | 32% | 35% | 34% | 36% | 32% | 40% | 32% | |
| Other Income | 2 | 0 | 2 | 1 | 4 | 9 | 1 | 1 | 15 | 6 | 3 | 2 | -10 | 2 | |
| Depreciation | 13 | 13 | 11 | 13 | 14 | 13 | 14 | 14 | 14 | 15 | 16 | 16 | 19 | 16 | |
| Profit before tax | 342 | 447 | 507 | 440 | 560 | 554 | 605 | 616 | 711 | 688 | 760 | 668 | 855 | 718 | |
| Tax % | 18% | 22% | 24% | 23% | 22% | 22% | 22% | 22% | 23% | 22% | 23% | 22% | 23% | 22% | |
| Net Profit | 279 | 347 | 383 | 338 | 439 | 433 | 470 | 483 | 550 | 534 | 582 | 520 | 656 | 557 | |
| EPS in Rs | 10.76 | 13.38 | 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 % | 1.24% | 1.19% | 1.06% | 1.04% | 1.04% | 0.93% | — | ||||||||
| Net NPA % | 0.84% | 0.80% | 0.69% | 0.69% | 0.68% | 0.57% | — | ||||||||
| Raw PDF | — |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −0.69% · closed higher next day 10 of last 36
| Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | Q1FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 24 Oct '23◦ | 25 Jan '24 | 30 Apr '24 | 26 Jul '24 | 25 Oct '24◦ | 22 Jan '25 | 28 Apr '25◦ | 21 Jul '25◦ | 27 Oct '25 | 21 Jan '26◦ | 20 Apr '26◦ | 4 Aug '26◦ |
| Earnings day | −0.49% | −4.52% | −0.85% | +1.61% | −4.66% | +1.44% | +4.48% | +0.22% | +0.64% | −7.55% | +7.98% | +3.85% |
| +1 day | −0.23% | −7.97% | −0.70% | +1.75% | −2.78% | −1.64% | +2.43% | −1.90% | +1.17% | −12.70% | +9.21% | +6.48% |
| +5 days | −0.22% | −6.85% | −5.69% | +3.75% | +4.00% | −3.04% | +7.48% | −7.19% | +0.44% | −11.62% | +15.09% | +7.19% |
| +15 days | +8.54% | −10.58% | −7.13% | +5.27% | −8.62% | −7.56% | +6.54% | −29.24% | −2.02% | −10.16% | +17.22% | +9.72% |
| +30 days | +9.23% | −21.14% | +1.76% | +38.01% | −2.09% | −10.41% | +13.74% | −27.82% | −4.67% | −18.81% | +10.22% | — |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Dividend - Rs 8 Per Share | 8.00 | 31 Jul '26 | 31 Jul '26 |
Shareholding
as of Jun 202628.03%Promoter
Promoters28.03%
FIIs16.81%0.21
DIIs45.71%1.64
Public9.42%1.86
Government0.02%
Ownership trend
Peers
7 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | ₹84.04 | 25.91 | 70,025 | 0.00% | 715 | +22.63% | 3,063 | +17.10% | 8.85% |
| PIRAMALFIN | ₹2,261.00 | 119.18 | 53,502 | 0.49% | 461 | +66.80% | 3,368 | +27.62% | 6.47% |
| PNBHOUSING | ₹1,182.10 | 13.12 | 30,830 | 0.68% | 555 | +4.28% | 2,253 | +9.14% | 9.44% |
| LICHSGFIN | ₹552.00 | 5.29 | 30,363 | 1.81% | 1,499 | +9.90% | 7,083 | −1.44% | 8.59% |
| AADHARHFC | ₹478.95 | 18.20 | 20,988 | 0.00% | 282 | +19.00% | 993 | +17.06% | 11.38% |
| SAMMAANCAP | ₹155.92 | — | 18,111 | 0.00% | 243 | −27.22% | 1,652 | −31.18% | 4.92% |
| HOMEFIRST | ₹1,233.70 | 22.19 | 12,900 | 0.42% | 160 | +34.45% | 538 | +18.61% | 11.13% |
| Median: 14 Co. | ₹515.48 | 13.12 | 12,883 | 0.58% | 252 | +19.79% | 851 | +14.16% | 9.68% |
Filings
Annual reports15
Annual Report 2026bseAnnual Report 2025bseAnnual Report 2024bseAnnual Report 2023bseAnnual Report 2022bseAnnual Report 2021bseAnnual Report 2020bseAnnual Report 2019bseAnnual Report 2018bseAnnual Report 2017bseAnnual Report 2016bseAnnual Report 2015bseAnnual Report 2014bseAnnual Report 2013bseAnnual Report 2012bse
Concall transcripts102
TranscriptAug 2026PPTAug 2026RECAug 2026TranscriptApr 2026PPTApr 2026RECApr 2026PPTApr 2026TranscriptJan 2026PPTJan 2026TranscriptOct 2025PPTOct 2025RECOct 2025TranscriptAug 2025RECAug 2025TranscriptJul 2025PPTJul 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptJan 2025PPTJan 2025TranscriptOct 2024PPTOct 2024TranscriptJul 2024
Credit ratings6
Announcements5
Revised Outcome Of Board Meeting Held On September 7, 2026 7 Sep - Board approved NCD issuance up to ₹6,000 crore; CIO Anubhav Rajput relieved by September 30, 2026.Board Meeting Outcome for Outcome Of Board Meeting Held On September 07, 2026 7 Sep - Board approved up to INR 10,000 crore NCD issuance; CIO relieving extended to September 30, 2026.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 4 Sep - PNB Housing Finance held an investor group meeting in Gurugram on September 4, 2026.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 3 Sep - PNB Housing Finance held virtual investor meeting on September 3, 2026 with institutional investors.Announcement Under Regulation 30 (LODR) Regulations - Intimation Of ESG Rating 3 Sep - PNB Housing Finance receives ESG score 82.10, A+ rating, retaining Leader category for second year.