PNBHOUSING

PNB Housing Finance Ltd.

NSE: PNBHOUSING

BSE: 540173

Sector: Financial Services

Industry Group: Finance

Industry: Housing Finance Company

1,051.70-0.1 (-0.01%)

2 Jul, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

21.8 / 100

Value Score

69.3 / 100

Price Momentum Score

76.1 / 100

QVM Score

59.1 / 100

Key Metrics

Market Cap

27406.20

P/E (TTM)

11.96

P/B

1.43

P/S (TTM)

3.23

EV/EBITDA

10.05

CAPE (5Y)

20.62

ROE (TTM)

12.70

ROCE (TTM)

11.32

ROA (TTM)

2.60

Avg 3Y ROE

12.16

Earnings 3Y CAGR

19.61

Sales 3Y CAGR

9.24

Sales 5Y CAGR

2.27

Debt/Equity

2.77

Consensus TP

1200.00

Strong Buy %

41.67

Promoter Holding

28.04

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of PNB Housing Finance Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and PB is at a discount to industry median

PB of 1.43 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is decent at -11.18%

What is P/B Ratio?

Median: 1.61

Value 1.43

0.3912.29

Strong price momentum

Price Momentum score of 76.1 indicates that the stock has strong price momentum. Research has shown that stocks with higher momentum continue to outperform in the near term

What is Price Momentum score?

76.1 / 100

Analysts have been raising forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has increased by 1.43% in the last 3 months, indicating earnings momentum

What is Earnings upgrade (3M)?

High and stable operating margin

The company reported strong operating margin of 89.3% for 12-month ended 31 Mar 2026 and operating margin declined marginally by -25 bps from 1 year ago

What is Operating profit margin?

Moderate EPS growth and above median growth of industry

The company delivered moderate EPS growth of 18.25% for 12-month ended 31 Mar 2026 and the growth was 4.12 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Negative

High Debt to Equity, not much change from last year

The company has high Debt to Equity of 2.77 as on 31 Mar 2026 and Debt to Equity increased marginally by 0.12 in the last 1 year

What is Debt to Equity?

Low dividend yield

The company has a low dividend yield of 0.48%

What is Dividend yield?

Neutral

Moderate and stable ROE

The company reported moderate ROE of 12.7% for 12-month ended 31 Mar 2026 and ROE improved marginally by 54 bps from 1 year ago

What is ROE (FY)?

Moderate revenue growth and in line with median growth of industry

The company delivered moderate revenue growth of 11.0% for 12-month ended 31 Mar 2026 and the growth was 1.47 percentage points lower than median growth of industry

What is Sales growth (1Y)?

Median: 12.47

Value 11

-31.2666.22

Financial Snapshot

See detailed analysis

Multi-year trends for PNB Housing Finance Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

PNB Housing Finance Ltd. Shareholding Pattern

Quarterly breakdown of PNB Housing Finance Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Total Promoter	32.65	32.65	32.65	32.65	32.64	32.59	32.58	32.57	32.57	32.57	32.57	32.53	32.52	28.15	28.14	28.13	28.13	28.13	28.11	28.11	28.10	28.08	28.04	28.04	28.04
Indian Promoter	32.65	32.65	32.65	32.65	32.64	32.59	32.58	32.57	32.57	32.57	32.57	32.53	32.52	28.15	28.14	28.13	28.13	28.13	28.11	28.11	28.10	28.08	28.04	28.04	28.04
Foreign Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	28.14	26.79	27.56	28.01	27.82	28.81	29.06	26.79	26.29	26.34	26.52	26.63	27.94	32.38	32.54	32.56	31.89	28.84	42.60	51.20	51.31	62.18	59.31	60.27	60.69
Mutual Funds / UTI	3.78	2.35	2.28	2.13	2.08	1.50	1.50	0.87	0.85	0.84	1.90	1.54	1.85	4.45	4.00	4.26	3.37	5.86	16.03	18.72	20.09	26.76	28.89	30.01	31.11
FI/Bank/Insurance	2.37	2.38	1.13	1.12	1.03	1.30	1.46	1.48	1.45	1.49	1.34	1.37	1.09	0.73	1.18	0.77	0.69	1.86	3.47	5.36	6.68	7.87	7.63	7.96	7.89
Govt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-	-	-	-	-	-	-	-	-	0.01	0.01	0.02	0.02
FII	21.80	21.85	23.95	24.55	24.51	25.86	25.95	24.30	23.96	23.96	23.24	23.64	24.29	24.77	24.81	24.70	25.00	17.89	20.42	24.34	21.45	24.18	18.61	17.22	16.60
Other Institutions	0.19	0.21	0.20	0.20	0.20	0.16	0.14	0.14	0.03	0.06	0.04	0.07	0.71	2.42	2.54	2.83	2.82	3.23	2.67	2.77	3.11	3.36	4.16	5.05	5.07
Non-Institution	39.21	40.55	39.79	39.34	39.55	38.60	38.37	40.64	41.14	41.09	40.91	40.84	39.54	39.47	39.32	39.31	39.99	43.04	29.29	20.69	20.58	9.74	12.65	11.69	11.27
Bodies Corporate	0.72	0.87	0.48	-	0.50	0.47	0.57	1.38	0.81	1.00	0.90	0.82	0.65	0.56	0.53	0.55	0.64	1.30	1.23	1.34	1.26	1.23	1.62	1.44	1.12
Others (incl. Retail) No. of shareholders	38.49 1,00,506	39.68 1,08,468	39.31 1,07,915	39.34 1,03,635	39.05 1,05,405	38.13 1,04,823	37.80 1,01,430	39.26 1,03,834	40.33 1,18,612	40.09 1,20,011	40.01 1,19,415	40.02 1,17,544	38.89 1,07,659	38.91 1,19,471	38.79 1,18,872	38.76 1,23,849	39.35 1,32,308	41.74 1,61,606	28.06 1,57,405	19.35 1,81,970	19.32 1,80,648	8.51 1,85,893	11.03 2,22,365	10.25 1,98,201	10.15 1,90,756

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	SHI: Housing Finance Company	12.84%	3 / 12
2	Nifty Smallcap 50	2.7%	8 / 49
3	Nifty Smallcap 250	0.97%	8 / 249
4	Nifty 500	0.1%	185 / 499
5	Nifty Total Market	0.1%	192 / 749

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in PNB Housing Finance Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Average price	Qty.	Transaction value
Mukesh Agarwal Designated Person	June-2021	Market Sale (Disposal) 28th Jun 2021	₹ 740.00	200.00	₹ 1.48 lac
Ritu Marathe Designated Person	June-2021	Market Sale (Disposal) 28th Jun 2021	₹ 725.79	1.53 k	₹ 11.09 lac
Umesh Bhati Designated Person	June-2021	Market Sale (Disposal) 24th Jun 2021	₹ 719.62	3.29 k	₹ 23.69 lac
Manoj Kumar Designated Person	June-2021	Market Sale (Disposal) 24th Jun 2021	₹ 726.27	2.63 k	₹ 19.09 lac
Nitant Desai Designated Person	June-2021	Market Sale (Disposal) 24th Jun 2021	₹ 716.20	982.00	₹ 7.03 lac
Jasbir Singh Designated Person	June-2021	Market Sale (Disposal) 24th Jun 2021	₹ 725.00	430.00	₹ 3.12 lac
Pankaj Jain Designated Person	June-2021	Market Sale (Disposal) 24th Jun 2021	₹ 720.00	2.50 k	₹ 18.00 lac
Bhaskara Satyanarayana Designated Person	June-2021	Market Sale (Disposal) 24th Jun 2021	₹ 735.00	1.00 k	₹ 7.35 lac
Ravi Shankar Arora Designated Person	June-2021	Market Sale (Disposal) 24th Jun 2021	₹ 734.00	3.50 k	₹ 25.69 lac
Ravi Shankar Arora Designated Person	June-2021	Market Sale (Disposal) 23rd Jun 2021	₹ 746.88	1.00 k	₹ 7.47 lac

…

Corporate Actions

History of PNB Housing Finance Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 5/share
Record date: 1st Aug 2025Ex-date: 1st Aug 2025
Announced on: 28th Apr 2025
Rights Issue(29 new shares @ ₹275 for 54 existing shares)
Ex-date: 5th Apr 2023Announced on: 29th Mar 2023
Rights ISIN INE572E20012.CINS Y6S766147.
Dividend₹ 9/share
Record date: 22nd Jul 2019Ex-date: 19th Jul 2019
Announced on: 9th May 2019
Dividend₹ 9/share
Record date: 20th Jul 2018Ex-date: 19th Jul 2018
Announced on: 3rd May 2018
Dividend₹ 6/share
Record date: 26th Jul 2017Ex-date: 25th Jul 2017
Announced on: 12th May 2017

Company Profile

Overview of PNB Housing Finance Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

PNB Housing Finance Limited is an India-based Non-Banking Financial Company - Housing Finance Company (NBFC-HFC). The Company provides loans to individuals and corporate bodies for the purchase, construction, repair, and upgradation of houses. It also provides loans for commercial spaces, loans agai...

Key personnel

Mr. Ajai Kumar Shukla

Chief Executive Officer, Managing Director

Mr. Vinay Gupta

Chief Financial Officer

Mr. Anubhav Rajput

Chief Information Officer

Mr. Bhavya Taneja

Chief Marketing Officer

Ms. Veena G. Kamath

Compliance Officer, Company Secretary

Mr. Neeraj Manchanda

Chief Risk Officer

Mr. Jatul Anand

Chief Credit and Collections Officer

Mr. Anshul Dalela

Head - Customer Service and Operations

View all

Incorporated on

11 Nov 1988

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

IPO date

07 Nov 2016

Free Float

18,13,95,425

Website

https://www.pnbhousing.com

Phone no.

+911123357171

Address

9TH FLOOR ANTRIKSH BHAWAN 22 KG MARG, , 110001, India

Frequently Asked Questions

What is the current share price of PNB Housing Finance Ltd.?

The current share price of PNB Housing Finance Ltd. is ₹ 1,051.70 as of 2 Jul 2026.

What is the market capitalisation of PNB Housing Finance Ltd.?

The market capitalisation of PNB Housing Finance Ltd. stands at ₹ 27,406.20 Cr.

What is the PE ratio of PNB Housing Finance Ltd.?

The Price-to-Earnings (PE) ratio of PNB Housing Finance Ltd. is 11.96 as of the latest trailing twelve months data.

What is the ROE and ROCE of PNB Housing Finance Ltd.?

PNB Housing Finance Ltd. has a Return on Equity (ROE) of 12.70% and a Return on Capital Employed (ROCE) of 11.32% as per the latest financial reports.

What is the 52-week high and low of PNB Housing Finance Ltd.?

The 52-week high of PNB Housing Finance Ltd. is - and the 52-week low is -.

What is the dividend yield of PNB Housing Finance Ltd.?

The dividend yield of PNB Housing Finance Ltd. is 0.48% based on the current market price.

What is the FII and DII holding in PNB Housing Finance Ltd.?

Foreign Institutional Investors (FII) hold 16.60%, Domestic Institutional Investors (DII) hold 39.00% and retail/public investors hold 10.15% of PNB Housing Finance Ltd. shares.

What sector does PNB Housing Finance Ltd. belong to?

PNB Housing Finance Ltd. operates in the Financial Services sector. 91.67% of analysts have a Buy or Strong Buy rating on PNB Housing Finance Ltd. with a consensus target price of ₹ 1,200.00, implying 14.1% upside from current levels.

What is the beta of PNB Housing Finance Ltd.?

The beta of PNB Housing Finance Ltd. is 1.43, indicating its price volatility relative to the broader market. Over the past 1 year, PNB Housing Finance Ltd. has delivered an absolute return of -1.34%.

What is the RSI of PNB Housing Finance Ltd.?

The 14-day Relative Strength Index (RSI) of PNB Housing Finance Ltd. is 59.86, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

PNB Housing Finance Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

PNB Housing Finance Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Holdings and Presence

Company Profile

Corporate Actions