Avsar.

Financial Services · Housing Finance Company

PNB Housing Finance Ltd (PNBHOUSING)

₹1,060.00

Mkt cap
₹28,949 Cr
P/E ratio
12.30
P/B
1.37
Div yield
0.72%
ROE
12.70%
ROCE
9.40%
EPS (TTM)
₹86.18
Book value
₹776
52W range
730–1,225
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
Cautious
ValuationFair
ProfitabilityWeak
TechnicalsNeutral
52-week range
−13.46% from high
₹1,060
₹730+45.29% from low₹1,225
Current
₹1,060.00
Prev close
₹1,110.00
Day
−4.50%
Price performance
1D
−4.50%
1W
−2.67%
1M
−3.48%
3M
+2.60%
6M
+0.66%
1Y
+19.96%
YTD
+6.21%

Financials

Revenue, profit & margin
P/E ratio
12.3×
PNBHOUSING is 0% below the sector median of 12.3×
PNBHOUSING12.3×
Sector median12.3×
 Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026Trend
Revenue1,7781,7551,8101,8231,8791,9422,0222,0762,1282,1192,1822,2632,423
Interest1,0571,0871,0701,0971,1181,1581,1781,2341,2671,2531,2461,3391,415
Expenses2042161701681431551331458818352192196
Financing Profit517452570559618629711697773683883733813
Financing Margin %29%26%31%31%33%32%35%34%36%32%40%32%34%
Other Income21491115632-1021
Depreciation11131413141414151616191617
Profit before tax507440560554605616711688760668855718797
Tax %24%23%22%22%22%22%23%22%23%22%23%22%23%
Net Profit383338439433470483550534582520656557617
EPS in Rs14.7513.0316.9116.6618.0818.6021.1720.5122.3319.9725.1721.3923.64
Gross NPA %1.24%1.19%1.06%1.04%1.04%0.93%0.95%
Net NPA %0.84%0.80%0.69%0.69%0.68%0.57%0.58%
Raw PDF

Earnings

Results dates & reactions
No upcoming results date on calendar.

Fresh quarters land in the Financials table above, tagged NSE until screener catches up.

Avg earnings-day move −0.70% · closed higher next day 10 of last 36
 Q3FY24Q4FY24Q1FY25Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26Q1FY27Q2FY27
Broadcast25 Jan '2430 Apr '2426 Jul '2425 Oct '24◦22 Jan '2528 Apr '25◦21 Jul '25◦27 Oct '2521 Jan '26◦20 Apr '26◦4 Aug '26◦28 Oct '26◦
Earnings day−4.52%−0.85%+1.61%−4.66%+1.44%+4.48%+0.22%+0.64%−7.55%+7.98%+3.85%−1.07%
+1 day−7.97%−0.70%+1.75%−2.78%−1.64%+2.43%−1.90%+1.17%−12.70%+9.21%+6.48%—
+5 days−6.85%−5.69%+3.75%+4.00%−3.04%+7.48%−7.19%+0.44%−11.62%+15.09%+7.19%—
+15 days−10.58%−7.13%+5.27%−8.62%−7.56%+6.54%−29.24%−2.02%−10.16%+17.22%+9.72%—
+30 days−21.14%+1.76%+38.01%−2.09%−10.41%+13.74%−27.82%−4.67%−18.81%+10.22%+2.18%—
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Corporate actions

Last 6 months
KindValueEx-dateRecord
dividend
Dividend - Rs 8 Per Share
8.0031 Jul '2631 Jul '26

Results analysis

Shareholding

as of Sep 2026
28.01%Promoter
Promoters28.01%0.02
FIIs14.19%2.62
DIIs49.29%3.58
Public8.51%0.91
Government0.00%0.02
Ownership trend

Peers

7 companies
Valuation vs quality
P/E × ROCE · bubble = market cap
NameCMPP/EMkt CapDiv YldNP QtrQtr Profit VarSales QtrQtr Sales VarROCE
Bajaj Housing₹77.9223.0564,9260.00%757+17.73%3,251+18.29%8.85%
Piramal Finance.₹1,864.8076.3644,1270.59%545+32.08%3,659+27.43%6.47%
PNB Housing₹1,110.0012.3228,9490.72%617+6.01%2,423+13.88%9.40%
LIC Housing Fin.₹514.004.9328,2731.95%1,499+9.90%7,083−1.44%8.59%
Aadhar Hsg. Fin.₹440.0016.7219,2890.00%282+19.00%993+17.06%11.38%
Sammaan Capital₹121.13—14,0700.00%243−27.22%1,652−31.18%4.92%
Home First Finan₹1,062.9017.9411,1150.49%170+29.08%567+18.79%11.13%
Median: 14 Co.₹477.0012.3210,5740.66%252+18.37%865+14.63%9.66%

Filings

Annual reports15
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022Annual Report 2021Annual Report 2020Annual Report 2019Annual Report 2018Annual Report 2017Annual Report 2016Annual Report 2015Annual Report 2014Annual Report 2013Annual Report 2012
Concall transcripts104
PPTOct 2026RECOct 2026TranscriptAug 2026PPTAug 2026RECAug 2026TranscriptApr 2026PPTApr 2026RECApr 2026PPTApr 2026TranscriptJan 2026PPTJan 2026TranscriptOct 2025PPTOct 2025RECOct 2025TranscriptAug 2025RECAug 2025TranscriptJul 2025PPTJul 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptJan 2025PPTJan 2025TranscriptOct 2024
Credit ratings6
Rating update 6 OctcrisilRating update 25 SepicraRating update 25 AugicraRating update 20 AugfitchRating update 3 JulcareRating update 7 Maycare
Announcements5
Announcement under Regulation 30 (LODR)-Newspaper Publication 29 Oct - Newspaper Publication regarding Un-Audited Financial Results for quarter and Half year ended September 30, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 28 Oct - Audio recording of Q2/H1 FY2026-27 earnings call made available online.Announcement under Regulation 30 (LODR)-Investor Presentation 28 Oct - Company has submitted the Investor Presentation for the quarter and half year ended September 30, 2026 which will be referred during earnings call with investors …Announcement under Regulation 30 (LODR)-Press Release / Media Release 28 Oct - PNB Housing Finance Q2 FY27 PAT rose 6% to ₹617 crore; H1 PAT ₹1,174 crore, retail disbursements hit record.Submission Of Un-Audited Financial Results (Consolidated And Standalone) For The Quarter And Half Year Ended September 30, 2026 28 Oct - PNB Housing Finance approved Q2 and H1 FY2026-27 results on October 28, 2026; standalone PAT ₹661.44 crore.