Welcome to Multibagg AI
Log in to access personalized features
IRIS
Multibagg AI is an AI powered stock research and analysis platform. We provide data, information, content, and analytics for publicly traded Indian companies listed on NSE and BSE. AI can make mistakes, check important information.
Prices might be delayed by a few minutes.
Join our Exclusive Community
Join our Exclusive Community
Made with 💙 in India. © Finsky Technologies Pvt Ltd. 2026
Get instant AI-powered insights about company performance, financials, and strategy. Ask questions about trends, competition, and developments while receiving responses backed by official documents and market data, with clear attribution to source documents.
Discovery themes featuring this stockBearish
4
Neutral
6
Bullish
4
Bearish
21
Neutral
6
Bullish
19
View Standalone
View Standalone
View Standalone
View Standalone
View Standalone
View Standalone
View Standalone
View Standalone
Bearish
17
Neutral
0
Bullish
15
PNB Housing Finance Ltd (PNBHOUSING) is currently trading at 1,102.80 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
PNB Housing Finance is a registered housing finance company providing home loans, loans against property, commercial-space finance, residential-plot loans, and corporate housing-related credit across India. Its business serves prime, emerging-market, affordable, and corporate borrowers through a growing nationwide branch network. Q2 FY27 was a landmark operating quarter, with overall disbursements rising 60% year-on-year to INR 9,609 crore and retail disbursements reaching a record INR 9,250 crore. The loan book expanded 19% year-on-year to INR 95,079 crore, broadly consistent with management's stated growth guidance. The company is deliberately shifting toward higher-growth affordable and emerging segments. These segments together represented 41% of the retail portfolio, with management targeting 45% by FY27-end, while affordable loan-book growth reached 45% year-on-year and emerging-market growth reached 22%. Asset quality and profitability improved simultaneously: GNPA declined to 0.91%, spread expanded to 2.43%, NIM reached 3.67%, and quarterly PAT grew 6% year-on-year to INR 617 crore. However, reported margins and ROA benefited from a one-time recovery related to a legacy corporate account. PNB Housing Finance received a CRISIL upgrade to AAA with stable outlook, joining the other three leading domestic agencies at AAA. This strengthens funding credibility, although management expects measurable borrowing-cost benefits to emerge gradually rather than immediately because the existing market spread versus other AAA-rated companies is limited.
Over the past 52 weeks, PNB Housing Finance Ltd has traded between a low of ₹730.00 and a high of ₹1,224.25. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
PNB Housing Finance Ltd has a market capitalization of approximately 28,192.90. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
PNB Housing Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 12.00 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 28,192.90 Cr, PNB Housing Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
PNB Housing Finance Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of PNB Housing Finance Ltd is 12.00. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
PNB Housing said nationalized banks are more focused on salaried and prime-salaried borrowers, where it does not want to compete extensively. The company is instead building expertise in self-employed lending through specialised teams and underwriting. Salaried borrowers still accounted for almost 41% of Q2 prime disbursements.
PNB Housing Finance plans to increase retail lending rates by 10 to 15 basis points from November 1 following a 25-basis-point repo-rate hike. Management expects borrowing cost to rise by about 9 to 10 basis points. It said the aim is to keep the overall NIM effect broadly neutral to positive.
PNB Housing Finance targets a 45% contribution from affordable and emerging-market loans within its retail portfolio by the end of FY26-27. The combined contribution was 41% on September 30, 2026. Its retail portfolio was Rs 943.91 arab at that date.
PNB Housing Finance reported profit after tax of ₹617 crore in Q2 FY27, up 6% year on year. The earnings data separately listed net profit of ₹616 crore, while the earnings-call presentation reported ₹617 crore.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
520.00 | 28,603 Cr | 4.85 | 0.65 | 1.92 | 13.44 | 8.26 | 1.79 | ||
1081.00 | 28,193 Cr | 12.00 | 1.39 | 0.74 | 11.61 | 8.30 | 2.31 | ||
430.70 | 18,882 Cr | 16.55 | 2.52 | 0.00 | 14.53 | 10.52 | 4.16 | ||
126.05 | 15,737 Cr | -2.17 | 0.82 | 0.00 | -3.42 | 4.68 | -9.75 | ||
1081.00 | 11,304 Cr | 18.24 | 2.42 | 0.48 | 13.28 | 9.63 | 3.61 | ||
206.35 | 10,335 Cr | 10.08 | 2.05 | 2.18 | 18.64 | 14.34 | 7.55 | ||
724.80 | 9,651 Cr | 8.37 | 1.50 | 2.07 | 17.97 | 8.80 | 2.52 | ||
| Median: 7 Co. | — | 520.00 | 15,737 Cr | 10.08 | 1.50 | 0.74 | 13.44 | 8.80 | 2.52 |
PNB Housing Finance is a registered housing finance company providing home loans, loans against property, commercial-space finance, residential-plot loans, and corporate housing-related credit across India. Its business serves prime, emerging-market, affordable, and corporate borrowers through a growing nationwide branch network.
Q2 FY27 was a landmark operating quarter, with overall disbursements rising 60% year-on-year to INR 9,609 crore and retail disbursements reaching a record INR 9,250 crore. The loan book expanded 19% year-on-year to INR 95,079 crore, broadly consistent with management's stated growth guidance.
The company is deliberately shifting toward higher-growth affordable and emerging segments. These segments together represented 41% of the retail portfolio, with management targeting 45% by FY27-end, while affordable loan-book growth reached 45% year-on-year and emerging-market growth reached 22%.
Asset quality and profitability improved simultaneously: GNPA declined to 0.91%, spread expanded to 2.43%, NIM reached 3.67%, and quarterly PAT grew 6% year-on-year to INR 617 crore. However, reported margins and ROA benefited from a one-time recovery related to a legacy corporate account.
PNB Housing Finance received a CRISIL upgrade to AAA with stable outlook, joining the other three leading domestic agencies at AAA. This strengthens funding credibility, although management expects measurable borrowing-cost benefits to emerge gradually rather than immediately because the existing market spread versus other AAA-rated companies is limited.
Finance
Housing Finance Company
28,761 Cr
High Risk
12.2
15.9
1.7
1.4
1,224.25
730.00
Sales CAGR
Profit CAGR
ROE
ROCE
