PNB Housing Finance Ltd (PNBHOUSING)
₹1,058.00
Mkt cap
₹27,570 Cr
P/E ratio
12.00
P/B
1.43
Div yield
0.76%
ROE
12.70%
ROCE
9.40%
EPS (TTM)
₹88.17
Book value
₹738
52W range
751–1,122
Sector
Financial Services
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]
Health check
Constructive
ValuationCheap
ProfitabilityWeak
TechnicalsBullish
52-week range
−5.73% from high₹1,058
₹751+40.93% from low₹1,122
Current
₹1,058.00
Prev close
₹1,061.00
Day
−0.28%
Price performance
1D
−0.28%
1W
−3.68%
1M
+1.26%
3M
+2.36%
6M
+11.54%
1Y
−3.16%
YTD
+6.01%
Financials
FRevenue, profit & margin
P/E ratio
12.0×
PNBHOUSING is 20% below the sector median of 15.0×
PNBHOUSING12.0×
Sector median15.0×
| 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 | 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 | |
| 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 | |
| Expenses | 275 | 201 | 204 | 216 | 170 | 168 | 143 | 155 | 133 | 145 | 88 | 183 | 52 | |
| Financing Profit | 353 | 459 | 517 | 452 | 570 | 559 | 618 | 629 | 711 | 697 | 773 | 683 | 883 | |
| Financing Margin % | 22% | 27% | 29% | 26% | 31% | 31% | 33% | 32% | 35% | 34% | 36% | 32% | 40% | |
| Other Income | 2 | 0 | 2 | 1 | 4 | 9 | 1 | 1 | 15 | 6 | 3 | 2 | -10 | |
| Depreciation | 13 | 13 | 11 | 13 | 14 | 13 | 14 | 14 | 14 | 15 | 16 | 16 | 19 | |
| Profit before tax | 342 | 447 | 507 | 440 | 560 | 554 | 605 | 616 | 711 | 688 | 760 | 668 | 855 | |
| Tax % | 18% | 22% | 24% | 23% | 22% | 22% | 22% | 22% | 23% | 22% | 23% | 22% | 23% | |
| Net Profit | 279 | 347 | 383 | 338 | 439 | 433 | 470 | 483 | 550 | 534 | 582 | 520 | 656 | |
| 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 | |
| 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
EResults 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 −0.84% · closed higher next day 9 of last 35
| Q1FY24 | Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 25 Jul '23 | 24 Oct '23◦ | 25 Jan '24 | 30 Apr '24 | 26 Jul '24 | 25 Oct '24◦ | 22 Jan '25 | 28 Apr '25◦ | 21 Jul '25◦ | 12 Jan '26 | 21 Jan '26◦ | 20 Apr '26◦ |
| Earnings day | −0.67% | −0.49% | −4.52% | −0.85% | +1.61% | −4.66% | +1.44% | +4.48% | +0.22% | +0.45% | −7.55% | +7.98% |
| +1 day | −5.12% | −0.23% | −7.97% | −0.70% | +1.75% | −2.78% | −1.64% | +2.43% | −1.90% | −0.33% | −12.70% | +9.21% |
| +5 days | −8.65% | −0.22% | −6.85% | −5.69% | +3.75% | +4.00% | −3.04% | +7.48% | −7.19% | −2.54% | −11.62% | +15.09% |
| +15 days | −5.56% | +8.54% | −10.58% | −7.13% | +5.27% | −8.62% | −7.56% | +6.54% | −29.24% | −12.65% | −10.16% | +17.22% |
| +30 days | −2.55% | +9.23% | −21.14% | +1.76% | +38.01% | −2.09% | −10.41% | +13.74% | −27.82% | −12.75% | −18.81% | +10.22% |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
CLast 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Dividend - Rs 8 Per Share | 8.00 | 31 Jul '26 | 31 Jul '26 |
Shareholding
Sas of Jun 202628.03%Promoter
Promoters28.03%
FIIs16.81%0.21
DIIs45.71%1.64
Public9.42%1.86
Government0.02%
Ownership trend
Peers
P7 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 |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Housing | ₹84.19 | 27.28 | 70,150 | 0.00% | 669 | +14.06% | 2,903 | +15.92% | 8.85% |
| Piramal Finance. | ₹2,085.40 | 105.30 | 47,271 | 0.53% | 461 | +66.80% | 3,368 | +27.62% | 6.47% |
| LIC Housing Fin. | ₹538.95 | 5.29 | 29,646 | 1.86% | 1,493 | +8.68% | 7,212 | −1.25% | 8.59% |
| PNB Housing | ₹1,058.00 | 12.03 | 27,570 | 0.76% | 656 | +19.15% | 2,182 | +7.90% | 9.40% |
| Aadhar Hsg. Fin. | ₹495.00 | 19.52 | 21,648 | 0.00% | 311 | +26.99% | 985 | +18.25% | 11.38% |
| Sammaan Capital | ₹160.64 | — | 18,659 | 0.00% | −8,101 | −594.46% | 1,358 | −35.58% | 4.92% |
| Aptus Value Hou. | ₹277.15 | 14.72 | 13,879 | 1.62% | 261 | +26.04% | 574 | +18.66% | 15.41% |
| Median: 14 Co. | ₹516.98 | 14.96 | 13,075 | 0.65% | 216 | +23.30% | 847 | +14.43% | 9.66% |
Filings
DAnnual reports15
Financial Year 2026bseFinancial Year 2025bseFinancial Year 2024bseFinancial Year 2023bseFinancial Year 2022bseFinancial Year 2021bseFinancial Year 2020bseFinancial Year 2019bseFinancial Year 2018bseFinancial Year 2017bseFinancial Year 2016bseFinancial Year 2015bseFinancial Year 2014bseFinancial Year 2013bseFinancial Year 2012bse
Concall transcripts99
TranscriptApr 2026PPTApr 2026RECApr 2026PPTApr 2026TranscriptJan 2026PPTJan 2026TranscriptOct 2025PPTOct 2025RECOct 2025TranscriptAug 2025RECAug 2025TranscriptJul 2025PPTJul 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptJan 2025PPTJan 2025TranscriptOct 2024PPTOct 2024TranscriptJul 2024PPTJul 2024RECJul 2024TranscriptMay 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Newspaper Publication 10h - Newspaper Publication - 38th Annual General MeetingBusiness Responsibility and Sustainability Reporting (BRSR) 1d - PNB Housing Finance filed FY26 BRSR with BRSR Core assurance by Bureau Veritas.Notice Convening The 38Th Annual General Meeting And Annual Report For FY 2025-26 1d - PNB Housing Finance released FY26 annual report and AGM notice for August 17, 2026.Reg. 34 (1) Annual Report. 1dAnnouncement Under Regulation 30 (LODR) 20 Jul - PNB Housing Finance declared fraud in Happy Home Corporation accounts worth Rs.421.81 crore; reported to NHB.