Overview

Detailed Summary

PNB Housing Finance Limited is a deposit-taking housing finance company promoted by Punjab National Bank that provides individual housing loans, non-housing loans, LAP, developer and corporate housing finance, with a pan‑India branch network focused on Affordable, Emerging Markets and Prime segments.
FY26 momentum: retail loan assets grew 16% YoY to INR 86,946 crore, AUM reached INR 90,921 crore and retail disbursements hit a Q4 all‑time high of INR 9,020 crore, reflecting strong execution across segments and a notable rebound in Affordable disbursements and Emerging Markets growth.
Asset quality milestone: GNPA improved to 0.93% and NNPA to 0.57% as of 31‑Mar‑26, supported by focused collections, legal resolutions and recoveries from the written‑off pool that produced negative credit costs and materially aided FY26 profitability.
Profitability and capital: FY26 PAT rose 18% YoY to INR 2,291 crore with ROA of 2.66% and CRAR of 27.26% (Tier‑1 26.89%), enabling the Board to recommend a dividend of INR 8 per share while management targets further AUM scale in FY27.
Technology & digitalisation drive: PNB Housing has deployed an in‑house onboarding platform (‘Infinity’), broad e‑sign/e‑stamp adoption, and multiple AI calling use‑cases with measurable engagement — a coordinated effort to reduce TAT, improve productivity and scale branch/D sanetwork efficiency.

Sector: Finance
Industry: Housing Finance Company
Market Cap: 26,007 Cr
Volatility: High Risk
P/E Ratio: 11.4
Industry P/E: 17.8
PEG Ratio: 1.5
P/B Ratio: 1.4
52W High: 1,141.85
52W Low: 730.00

Sales CAGR

1Y: 8.97%
3Y: 7.52%
5Y: -2.08%
10Y: 12.25%

Profit CAGR

1Y: 28.39%
3Y: 33.35%
5Y: 23.36%
10Y: 21.96%

ROE

TTM: 11.92%
3Y: 10.61%
5Y: 10.23%
10Y: 10.69%

ROCE

TTM: 8.80%
3Y: 8.97%
5Y: 8.90%
10Y: 9.34%

Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

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Bullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Forecasts

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Peers

Financial Services Financial Services Finance Housing Finance Company

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
LICHSGFIN		549.90	30,251 Cr	5.40	0.73	0.00	13.53	8.42	1.72
PNBHOUSING		1000.00	26,007 Cr	11.35	1.35	0.80	11.92	8.80	2.45
SAMMAANCAP		184.15	21,340 Cr	-2.99	1.12	0.00	-3.42	4.68	-9.62
AADHARHFC		466.40	20,491 Cr	18.70	2.72	0.00	14.53	10.52	4.00
APTUS		265.75	13,287 Cr	14.09	2.63	1.70	18.64	14.34	7.23
HOMEFIRST		1081.00	11,288 Cr	20.89	2.59	0.48	12.40	10.03	3.56
CANFINHOME		809.85	10,755 Cr	9.91	1.80	1.86	18.16	8.74	2.45
Median: 7 Co.	—	549.90	20,491 Cr	11.35	1.80	0.48	13.53	8.80	2.45

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	1,755	1,810	1,823	1,879	1,942	2,022	2,076	2,128	2,119	2,182
Expenses	216	170	168	143	155	133	145	88	183	52
Interest	1,087	1,070	1,097	1,119	1,158	1,178	1,234	1,267	1,253	1,246
Financing Profit	452	570	559	618	629	711	697	773	683	883
Financing Margin %	25.76	31.49	30.64	32.87	32.38	35.15	33.57	36.34	32.23	40.49
Other Income	1.25	4.02	9.02	0.98	1.35	15	5.76	2.74	1.64	-9.62
Depreciation	13	14	13	14	14	14	15	16	16	19
Profit Before Tax	440	560	554	605	616	711	688	760	668	855
Tax %	23.13	21.54	21.90	22.33	21.50	22.61	22.45	23.44	22.15	23.26
Net Profit	338	439	433	470	483	550	534	582	520	656
EPS in Rs	12.96	16.81	16.56	17.97	18.48	21.05	20.42	22.29	19.93	25.11
Gross NPA %	0.00	0.00	0.00	1.24	1.19	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.84	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	5,489	7,679	8,482	7,604	6,196	6,527	7,050	7,665	7,918
Expenses	694	751	1,738	1,257	999	1,219	791	599	576
Interest	3,537	5,166	5,875	5,101	4,064	3,899	4,261	4,551	4,689
Financing Profit	1,258	1,762	869	1,246	1,133	1,410	1,998	2,515	2,654
Financing Margin %	22.92	22.94	10.25	16.38	18.28	21.60	28.34	32.81	33.51
Other Income	0.63	3.90	7.71	20	4.80	2.33	7.01	26	23
Depreciation	24	31	66	59	53	51	51	56	57
Profit Before Tax	1,235	1,734	811	1,207	1,084	1,361	1,954	2,486	2,620
Tax %	31.87	31.30	20.32	22.96	22.83	23.14	22.82	22.11	22.24
Net Profit	841	1,192	646	930	836	1,046	1,508	1,936	2,037
EPS in Rs	—	45.44	24.73	35.69	32.05	40.10	58.02	74.06	87.74
Dividend Payout %	18.02	12.72	0.00	0.00	0.00	0.00	0.00	6.73	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	167	167	168	168	169	169	260	260
Reserves	6,401	7,376	7,830	8,755	9,703	10,845	14,715	16,603
Borrowings	53,777	71,859	67,735	59,392	52,961	53,621	55,017	62,310
Other Liabilities	2,670	4,466	3,197	3,077	2,897	2,238	2,414	3,348
Total Liabilities	63,014	83,869	78,930	71,392	65,730	66,874	72,405	82,520
Fixed Assets	76	103	251	181	150	146	206	239
CWIP	9.69	5.17	4.06	2.38	3.54	3.16	15	16
Investments	2,413	4,561	2,076	2,045	3,483	3,196	4,346	3,381
Other Assets	60,516	79,201	76,599	69,164	62,094	63,528	67,837	78,885
Total Assets	63,014	83,869	78,930	71,392	65,730	66,874	72,405	82,520

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-15,664	-16,617	8,929	6,611	6,254	-1,865	-4,662	-8,057
Cash from Investing Activity	-50	-54	-63	21	-1,475	176	-1,186	757
Cash from Financing Activity	18,464	17,888	-4,386	-8,178	-6,732	301	4,179	7,404
Net Cash Flow	2,751	1,217	4,480	-1,546	-1,953	-1,388	-1,669	104

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	28.15%	28.14%	28.13%	28.13%	28.13%	28.11%	28.11%	28.10%	28.08%	28.04%	28.04%	28.04%
FIIs	24.78%	24.81%	24.70%	25.01%	17.89%	20.42%	24.34%	21.44%	24.18%	18.61%	17.22%	16.60%
DIIs	7.60%	7.73%	7.86%	6.88%	10.95%	22.18%	26.86%	29.87%	38.00%	40.70%	43.04%	44.09%
Public	39.47%	39.32%	39.31%	39.99%	43.04%	29.29%	20.69%	20.58%	9.74%	12.65%	11.69%	11.27%
Total Shareholders	1,20,193	1,19,631	1,24,656	1,33,177	1,62,938	1,58,799	1,83,482	1,82,070	1,87,526	2,24,183	1,99,930	1,92,512

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Documents

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Concalls

Reports

Presentations

Investor Presentation

Q4 FY26

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

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