PNB Housing Finance Ltd

PNBHOUSING

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Market Cap

₹ 24,027 Cr

P/E

11.18

Turned 1 L into 2.94 L in last 5 Years

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Performance

MARKET LEADER

Valuation

REASONABLE

Growth

STABLE

Profitability

MODERATE MARGIN

Technicals

Bullish

Risk

HIGH RISK

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Price

PE Ratio

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Overview

Detailed Summary

PNB Housing Finance Limited is a housing finance company primarily engaged in providing loans for housing, construction, and commercial spaces.

The company has significantly grown its retail loan book, with Affordable and Emerging Markets contributing to substantial year-on-year growth, showcasing its focus on financial inclusion.

PNB Housing Finance has expanded its branch network extensively, especially in high-potential tier 2 and 3 cities, supporting its retail disbursement strategy.

The company's efforts in recovering written-off loans have improved profitability, reflecting strong asset recovery strategies and solid credit cost management.

Net interest margins remain stable due to effective cost of borrowing management, contributing positively to the company's profitability and return metrics.

Sector

Finance

Industry

Finance - Housing - Large

Market Cap

24,027 Cr

Volatility

High Risk

P/E Ratio

11.2

Industry P/E

14.4

PEG Ratio

1.3

P/B Ratio

1.3

52W High

1,141.85

52W Low

746.10

Sales CAGR

8.97%

7.52%

-2.08%

10Y

12.25%

Profit CAGR

28.39%

33.35%

23.36%

10Y

21.96%

ROE

TTM

11.96%

10.61%

10.23%

10Y

10.69%

ROCE

TTM

9.14%

8.97%

8.90%

10Y

9.34%

Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Forecasts

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Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

updated on

Dec 03, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
LICHSGFIN	531.00	29,225 Cr	5.29	0.76	1.88	14.34	8.64	1.73
PNBHOUSING	922.30	24,027 Cr	11.18	1.34	0.54	11.96	9.14	2.51
AADHARHFC	497.30	21,572 Cr	21.84	3.13	0.00	14.33	10.42	3.94
APTUS	289.85	14,513 Cr	17.21	3.12	1.55	18.11	14.31	7.01
HOMEFIRST	1184.55	12,325 Cr	27.22	3.07	0.27	11.28	10.11	3.28
SAMMAANCAP	148.65	12,314 Cr	9.70	0.55	1.35	5.67	9.51	1.78
AAVAS	1546.10	12,271 Cr	25.02	3.25	0.00	13.00	8.96	2.97

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	1,708	1,778	1,755	1,810	1,823	1,879	1,942	2,022	2,076	2,128
Expenses	201	204	216	170	168	143	155	133	145	88
Interest	1,048	1,057	1,087	1,070	1,097	1,119	1,158	1,178	1,234	1,267
Financing Profit	459	517	452	570	559	618	629	711	697	773
Financing Margin %	26.89	29.07	25.76	31.49	30.64	32.87	32.38	35.15	33.57	36.34
Other Income	0.09	1.65	1.25	4.02	9.02	0.98	1.35	15	5.76	2.74
Depreciation	13	11	13	14	13	14	14	14	15	16
Profit Before Tax	447	507	440	560	554	605	616	711	688	760
Tax %	22.24	24.47	23.13	21.54	21.90	22.33	21.50	22.61	22.45	23.44
Net Profit	347	383	338	439	433	470	483	550	534	582
EPS in Rs	13.58	14.68	12.96	16.81	16.56	17.97	18.48	21.05	20.42	22.29
Gross NPA %	0.00	0.00	0.00	0.00	0.00	1.24	1.19	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.84	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	—	45.45	24.73	35.70	32.06	40.10	58.02	74.07	82.25
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

	Mar 2023	May 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	32.52%	28.15%	28.15%	28.14%	28.13%	28.13%	28.13%	28.11%	28.11%	28.10%	28.08%	28.04%
FIIs	24.29%	25.82%	24.78%	24.81%	24.70%	25.01%	17.89%	20.42%	24.34%	21.44%	24.18%	18.61%
DIIs	3.65%	6.28%	7.60%	7.73%	7.86%	6.88%	10.95%	22.18%	26.86%	29.87%	38.00%	40.70%
Public	39.54%	39.75%	39.47%	39.32%	39.31%	39.99%	43.04%	29.29%	20.69%	20.58%	9.74%	12.65%
Total Shareholders	1,08,269	1,09,200	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

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
May 02, 2025	Quality investment holdings pcc	Bulk	Sell	1,000.20	1,732.03 Cr	1,73,16,849	6.66
May 02, 2025	Kotak mahindra mutual fund	Bulk	Buy	1,000.20	217.79 Cr	21,77,475	0.83
May 02, 2025	Quality investment holdings pcc	Bulk	Sell	1,000.20	980.94 Cr	98,07,462	3.77
May 02, 2025	Singularity holdings limited	Block	Buy	1,000.20	10.02 Cr	1,00,145	0.03
May 02, 2025	Viridian asia opportunities m...	Block	Buy	1,000.20	20.01 Cr	2,00,049	0.07
May 02, 2025	Al mehwar commercial investme...	Block	Buy	1,000.20	20.01 Cr	2,00,025	0.07
May 02, 2025	Al mehwar commercial investme...	Block	Buy	1,000.20	60.02 Cr	6,00,045	0.23
May 02, 2025	Ask absolute return fund	Block	Buy	1,000.20	10.02 Cr	1,00,208	0.03
May 02, 2025	Aurigin master fund limited	Block	Buy	1,000.20	10.04 Cr	1,00,408	0.03
May 02, 2025	Axis mutual fund	Block	Buy	1,000.20	60.02 Cr	6,00,041	0.23

Projection

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Announcements

Last 7 days

Newest

Sentiment

Change in Directors/KMP

1 day ago

Change in Senior Management Personnel at PNB Housing Finance

Mr. Mukesh Agarwal has been elevated to Function Head, effective December 15, 2025, from his role as Chief Sales Officer - Retail.

Analyst/Investor Meet

1 day ago

Analyst/Investor Meet Scheduled

PNB Housing Finance Limited announced a scheduled group meeting with analysts on December 19, 2025, as part of the Citi India Financial Tour 2025.

Change in Directors

4 days ago

Change in Directorate at PNB Housing Finance

The Board of PNB Housing Finance has approved the appointment of Mr. Ajai Kumar Shukla as Managing Director & CEO, effective December 18, 2025, and designated Mr. Vipin Malhotra as Internal Auditor.

Board Meeting Outcome

4 days ago

Board Meeting Outcome: Appointment of MD & CEO

The Board of PNB Housing Finance appointed Mr. Ajai Kumar Shukla as Managing Director & CEO effective December 18, 2025, and designated Mr. Vipin Malhotra as Internal Auditor.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Investor Presentation

Q4 FY24

Investor Presentation

Q4 FY24

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Pnbhousing

PNB Housing Finance Ltd

PNBHOUSING

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Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

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Technicals

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Overall

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Market Transactions

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Financial Statements

AI Powered Summary

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Investment Checklist

Peers