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Discovery themes featuring this stock
PNB Housing Finance Limited is a housing finance company providing loans for housing and construction across India. With an expansive presence, it now operates 358 branches significantly in Tier 2 and Tier 3 cities, focusing on Emerging Markets and Affordable segments which form a substantial part of its loan portfolio.
The company has recorded a strong growth in its retail loan book by 16% YoY, demonstrating effective market penetration, particularly in regions with rising demand for housing finance solutions.
As part of an ongoing capacity expansion, the branch network has substantially grown, signaling strategic intent to capture a wider market share and increasing demand for housing finance services.
PNB Housing Finance's cost of borrowing has improved alongside a stable NIM, attributed to effective financial strategies and a responsive adjustment to market trends and interest rate changes.
Future growth prospects are tied to strategic initiatives in affordable housing and emerging markets, reinforced by collaborations with government-backed housing programs such as PMAY, which are expected to drive long-term sustainability.
Finance
Housing Finance Company
23,601 Cr
High Risk
9.8
19.3
0.9
1.3
1,141.85
730.00
Sales CAGR
Profit CAGR
ROE
ROCE
PNB Housing Finance Ltd (PNBHOUSING) is currently trading at 905.80 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 Limited is a housing finance company providing loans for housing and construction across India. With an expansive presence, it now operates 358 branches significantly in Tier 2 and Tier 3 cities, focusing on Emerging Markets and Affordable segments which form a substantial part of its loan portfolio. The company has recorded a strong growth in its retail loan book by 16% YoY, demonstrating effective market penetration, particularly in regions with rising demand for housing finance solutions. As part of an ongoing capacity expansion, the branch network has substantially grown, signaling strategic intent to capture a wider market share and increasing demand for housing finance services. PNB Housing Finance's cost of borrowing has improved alongside a stable NIM, attributed to effective financial strategies and a responsive adjustment to market trends and interest rate changes. Future growth prospects are tied to strategic initiatives in affordable housing and emerging markets, reinforced by collaborations with government-backed housing programs such as PMAY, which are expected to drive long-term sustainability.
Over the past 52 weeks, PNB Housing Finance Ltd has traded between a low of ₹730.00 and a high of ₹1,141.85. 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 23,600.58. 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 9.76 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 23,600.58 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 9.76. 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.
The stock rose after the company reported strong Q4 FY25 results, including higher profit, improving asset quality metrics, and a final dividend recommendation of ₹5 per share.
The allocation of 5,000 crore per CER in Tier 2 and Tier 3 cities will drive urban development and housing demand in regions where PNB Housing is currently expanding its affordable and emerging market segments.
For Q2 FY26, PNB Housing Finance reported a 24% year-on-year increase in net profit to Rs 582 crore. Its Net Interest Income (NII) grew by 14.4% to Rs 765 crore, and its loan assets expanded by 14.8% to Rs 79,771 crore.
Discovery themes featuring this stockDiscover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.
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Investor Presentation
Q3 FY26
Investor Presentation
Q2 FY26
Investor Presentation
Q1 FY26
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Investor Presentation
Q4 FY25
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Investor Presentation
Q3 FY25
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Investor Presentation
Q2 FY25
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Investor Presentation
Q1 FY25
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Investor Presentation
Q4 FY24
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Bearish
9
Neutral
2
Bullish
3
Bearish
11
Neutral
2
Bullish
33
Bearish
2
Neutral
0
Bullish
30
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
517.25 | 29,536 Cr | 5.19 | 0.77 | 1.86 | 14.34 | 8.64 | 1.72 | ||
816.50 | 23,601 Cr | 9.76 | 1.31 | 0.55 | 11.96 | 9.14 | 2.55 | ||
438.00 | 20,946 Cr | 18.92 | 3.04 | 0.00 | 14.33 | 10.42 | 4.11 | ||
147.45 | 17,618 Cr | 13.01 | 0.65 | 0.94 | 5.67 | 9.51 | 1.80 | ||
199.50 | 12,271 Cr | 11.23 | 2.63 | 1.83 | 18.11 | 14.31 | 7.39 | ||
975.00 | 11,719 Cr | 20.76 | 2.92 | 0.28 | 11.28 | 10.11 | 3.59 | ||
815.00 | 11,594 Cr | 11.14 | 2.12 | 1.38 | 16.87 | 8.93 | 2.33 | ||
| Median: 7 Co. | — | 517.25 | 17,618 Cr | 11.23 | 2.12 | 0.94 | 14.33 | 9.51 | 2.55 |
Investor presentation
PNB Housing released its Q4/FY26 investor presentation: loan assets +16% YoY to INR 86,946cr; Q4 retail disbursements INR 9,020cr; GNPA 0.93%; NIM 3.69%; recoveries INR 332cr in FY26; added 35 branches.
Investor Presentation
Investor presentation for Q4 & FY26: retail loan assets up 16% YoY to INR 86,946cr, record Q4 retail disbursements INR 9,020cr (FY26 INR 26,213cr), GNPA improved to 0.93%, NIM 3.69%, recoveries INR 332cr; earnings call Apr 21.
Investor Presentation
PNB Housing submitted its investor presentation for Q4 & FY26 (to be referenced at the Apr 21 earnings call), reporting retail loan assets up 16% YoY to INR 86,946 crore, record Q4 retail disbursements of INR 9,020 crore, GNPA 0.93% and NIM 3.69%.
Audited Financial Results
PNB Housing Finance approved consolidated audited results for Q4 and FY2025-26: AUM ₹90,921cr (+13% YoY), Q4 PAT ₹656cr (+19% YoY), FY PAT ₹2,291cr (+18% YoY), GNPA 0.93%, board recommended dividend ₹8/share.
Audited Financial Results
PNB Housing reported consolidated audited Q4 & FY26 results: Q4 PAT ₹656cr (+19% YoY), FY PAT ₹2,291cr (+18%); AUM ₹90,921cr (+13%); GNPA 0.93%; Board recommended dividend ₹8/sh.
Results & Dividend
Board approved audited standalone and consolidated financial results for the quarter and year ended March 31, 2026 and recommended a final dividend of Rs.8 per equity share (face value Rs.10); filings and disclosures submitted to exchanges.
