PNB Housing Finance

PNB Housing Finance

1,050.20
-13.40
(-1.26%)
Market Cap
27,319.26 Cr
EPS
74.52
PE Ratio
13.59
Dividend Yield
0.47 %
52 Week High
1,202.20
52 Week Low
746.70
PB Ratio
1.64
Debt to Equity
4.18
Add Ratio
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Investment Returns

In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from11 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+100.00 %
+100.00 %
Hold
Hold0.0 %
0.0 %
Sell
Sell0.0 %
0.0 %

Company News

View All News
Caret
neutral
PNB Housing Finance Limited has allotted 40,000 non-convertible debentures worth Rs 400 crore through private placement. The debentures carry a face value of Rs 1 lakh each with a coupon rate of 7.4342% and a 5-year tenure maturing on July 23, 2030. The instruments are secured by an exclusive charge on specific book debts with minimum security coverage of 1 time. The debentures will be listed on the Wholesale Debt Market segment of NSE. Interest payments are scheduled annually from 2026 to 2030, with principal repayment at maturity. In case of payment default, an additional interest of 2% per annum will be charged over the coupon rate.
positive
PNB Housing Finance has upgraded its Net Interest Margin (NIM) forecast for FY26, indicating an improved outlook for the company's profitability metrics. The upgrade was announced during a conference call update.
positive
PNB Housing achieved an 18% increase in retail loans and a significant 143% jump in its affordable housing segment. The company also reported improved profitability for FY26.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
119.66
#1 99,704.72
47.02
9,576.00
25.71
2,163
20.87
42.54
614.70
33,812.37
#1 6.26
#1 28,110.10
20.02
#1 5,443
26.99
51.33
1,050.20
#3 27,319.26
#4 13.59
#4 7,665.35
#9 8.08
#3 1,916
#5 23.27
39.49
511.70
22,108.48
24.46
3,108.90
26.60
912
21.31
73.01
353.55
17,674.26
23.30
1,750.41
24.98
755
26.22
67.17
1,870.40
14,805.51
30.66
2,020.70
25.46
491
14.85
44.06
1,415.90
14,618.24
38.02
1,539.20
33.09
382
25.39
60.05
130.85
10,839.06
7.99
8,623.33
-1.16
-2,367
1.44
50.58
772.40
10,284.82
11.89
3,878.26
28.49
854
12.17
40.11
948.75
10,240.28
27.39
1,175.90
#1 42.10
378
#1 38.77
56.95
Forecast
Actual
Growth Rate
Revenue Growth
8.08 %
Net Income Growth
44.17 %
Cash Flow Change
-149.94 %
ROE
6.00 %
ROCE
14.86 %
EBITDA Margin (Avg.)
9.17 %

Quarterly Financial Results

Quarterly Financials
Jun 2017
Sept 2017
Dec 2017
Mar 2018
Jun 2018
Sept 2018
Dec 2018
Mar 2019
Jun 2019
Sept 2019
Dec 2019
Mar 2020
Jun 2020
Sept 2020
Dec 2020
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Revenue
1,160
1,274
1,416
1,638
1,648
1,808
2,079
2,148
2,233
2,230
2,075
1,952
1,872
2,022
1,896
1,834
1,693
1,586
1,496
1,426
1,412
1,683
1,797
1,638
1,708
1,779
1,756
1,814
1,832
1,880
1,943
2,037
2,082
Expenses
159
158
148
228
167
199
219
167
290
266
297
885
163
272
342
480
262
247
233
257
158
366
421
275
201
204
216
170
168
143
155
133
145
EBITDA
1,001
1,116
1,268
1,410
1,482
1,609
1,859
1,982
1,943
1,964
1,777
1,067
1,709
1,750
1,554
1,354
1,431
1,339
1,263
1,169
1,254
1,318
1,376
1,363
1,507
1,576
1,540
1,644
1,665
1,737
1,788
1,904
1,937
Operating Profit %
86 %
88 %
90 %
86 %
90 %
89 %
89 %
92 %
87 %
88 %
86 %
55 %
91 %
87 %
82 %
74 %
85 %
84 %
84 %
82 %
89 %
78 %
77 %
83 %
88 %
89 %
88 %
91 %
91 %
92 %
92 %
93 %
93 %
Depreciation
5
5
7
7
7
8
8
9
16
17
18
15
16
15
14
14
13
13
13
14
13
13
13
13
13
11
13
14
13
14
14
14
15
Interest
751
835
926
1,026
1,100
1,229
1,410
1,428
1,513
1,521
1,461
1,380
1,364
1,340
1,246
1,151
1,103
1,035
996
931
930
964
996
1,008
1,048
1,057
1,087
1,070
1,097
1,119
1,158
1,178
1,234
Profit Before Tax
245
276
336
377
375
373
442
545
414
426
298
-327
330
396
294
188
315
291
254
224
311
340
367
343
447
507
440
560
554
605
616
711
688
Tax
75
86
106
125
120
120
139
165
130
59
61
-85
72
82
61
61
72
56
65
54
76
78
98
63
99
124
102
121
121
135
132
161
154
Net Profit
170
190
230
253
256
253
303
380
285
367
237
-242
257
313
232
127
243
235
188
170
235
263
269
279
347
383
338
439
433
470
483
550
534
EPS in ₹
10.21
11.41
13.77
15.16
15.31
15.11
18.09
22.68
16.95
21.82
14.10
-14.39
15.29
18.63
13.82
7.55
14.45
13.96
11.18
10.06
13.94
15.57
15.95
16.52
13.64
14.76
13.04
16.91
16.66
18.08
18.60
21.18
20.52

Balance Sheet

Balance Sheet
2018
2019
2020
2021
2022
2023
2024
2025
Total Assets
63,015
83,869
78,930
71,392
65,730
66,874
72,405
82,520
Fixed Assets
76
103
251
181
150
146
207
255
Current Assets
3,305
4,851
9,685
8,089
6,358
5,543
3,601
4,004
Capital Work in Progress
10
5
4
2
4
3
15
5
Investments
2,413
4,561
2,076
2,045
3,483
3,196
4,346
0
Other Assets
60,516
79,200
76,599
69,164
62,093
63,528
67,837
0
Total Liabilities
63,015
83,869
78,930
71,392
65,730
66,874
72,405
82,520
Current Liabilities
14,377
14,738
4,299
4,282
2,947
2,288
5,902
3,114
Non Current Liabilities
42,070
61,587
66,633
58,188
52,911
53,571
51,529
62,543
Total Equity
6,567
7,544
7,998
8,923
9,872
11,014
14,974
16,863
Reserve & Surplus
6,401
7,376
7,830
8,755
9,703
10,845
14,715
16,603
Share Capital
167
168
168
168
169
169
260
260

Cash Flow

Cash Flow
2018
2019
2020
2021
2022
2023
2024
Net Cash Flow
2,751
1,217
4,480
-1,546
-1,953
-1,388
-1,669
Investing Activities
-50
-54
-63
21
-1,475
176
-1,186
Operating Activities
-15,664
-16,617
8,929
6,611
6,254
-1,865
-4,662
Financing Activities
18,464
17,888
-4,386
-8,178
-6,732
302
4,179

Share Holding

% Holding
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
May 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Promoter
32.64 %
32.59 %
32.58 %
32.57 %
32.57 %
32.57 %
32.57 %
32.53 %
32.52 %
28.15 %
28.15 %
28.14 %
28.13 %
28.13 %
28.13 %
28.11 %
28.11 %
28.10 %
28.08 %
FIIs
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
24.81 %
0.00 %
25.01 %
17.89 %
20.42 %
24.34 %
21.44 %
24.18 %
DIIs
3.11 %
2.80 %
2.96 %
2.34 %
2.30 %
2.33 %
3.24 %
2.99 %
3.65 %
6.28 %
7.60 %
7.73 %
5.03 %
6.88 %
10.95 %
22.18 %
26.86 %
29.87 %
37.99 %
Government
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.01 %
Public / Retail
5.73 %
4.58 %
4.68 %
6.02 %
6.79 %
6.92 %
6.93 %
7.03 %
6.14 %
5.63 %
5.56 %
5.46 %
5.48 %
6.01 %
8.10 %
7.24 %
7.89 %
7.82 %
7.51 %
Others
58.53 %
60.03 %
59.78 %
59.06 %
58.34 %
58.19 %
57.26 %
57.45 %
57.69 %
59.94 %
58.69 %
33.86 %
61.36 %
33.98 %
34.94 %
22.05 %
12.80 %
12.76 %
2.24 %
No of Share Holders
1,05,902
1,05,325
1,01,947
1,04,398
1,19,187
1,20,592
1,19,997
1,18,147
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

Dividend History

Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
Annual Cash Flows 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Dividend Per Share (₹) 3.4 6 9 9 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield (%) 0.34 0.56 1.26 6.7 0.00 0.00 0.00 0.00 0.00 0.00

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
21 Aug 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
21 Aug 2025 1,103.35 1,063.85
01 Aug 2025 DIVIDEND Dividend
₹ 5.00 /share
01 Aug 2025 970.85 1,063.85
21 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
21 Jul 2025 1,076.40 1,081.90
28 Apr 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
28 Apr 2025 990.25 970.85
21 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
21 Jan 2025 854.85 912.35
24 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
24 Oct 2024 981.70 948.20
12 Aug 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
12 Aug 2024 831.80 823.20
05 Apr 2023 RIGHTS Rights
29:54
05 Apr 2023 386.53 448.58

Announcements

Announcement under Regulation 30 (LODR)-Allotment1 day ago
Announcement under Regulation 30 (LODR)-Change in Management1 day ago
Announcement under Regulation 30 (LODR)-Newspaper Publication2 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome2 days ago
Announcement under Regulation 30 (LODR)-Press Release / Media Release2 days ago
Announcement under Regulation 30 (LODR)-Investor Presentation2 days ago
Consolidated And Standalone Unaudited Financial Results For The Quarter Ended June 30 20252 days ago
Board Meeting Outcome for Consolidated And Standalone Unaudited Financial Results For The Quarter Ended June 30 20252 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation8 days ago
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 20189 days ago
Board Meeting Intimation for Considering And Approving The Un-Audited Standalone And Consolidated Financial Results For The Quarter Ended June 30 202510 days ago
Announcement under Regulation 30 (LODR)-Credit RatingJul 05, 2025
DividendJul 02, 2025
Board Meeting Outcome for Outcome Of Board MeetingJul 02, 2025
Closure of Trading WindowJun 28, 2025
Board Meeting Intimation for Pre-Intimation Of Board MeetingJun 27, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJun 24, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 19, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 19, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJun 18, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJun 13, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 13, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 10, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJun 03, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJun 02, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementMay 31, 2025
Inclusion In Senior Management PersonnelMay 31, 2025
Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 30, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 28, 2025
Announcement under Regulation 30 (LODR)-Credit RatingMay 28, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 27, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 26, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 24, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementMay 23, 2025
Board Meeting Outcome for Outcome Of Board MeetingMay 23, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 22, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 21, 2025
Announcement under Regulation 30 (LODR)-AllotmentMay 20, 2025
Grant Of Options Under Employee Stock Options Plan (ESOP Scheme 2018) Of The CompanyMay 17, 2025
Grant Of Options Under Employee Stock Options Plan (ESOP Scheme 2018) Of The CompanyMay 17, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 16, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 15, 2025
Grant Of Rsus Under PNB Housing Restricted Stock Unit Scheme 2020 Of The CompanyMay 14, 2025
Grant Of Options Under Employee Stock Options Plan (ESOP Scheme II 2018) Of The CompanyMay 14, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 02, 2025
Announcement under Regulation 30 (LODR)-Resignation of DirectorMay 02, 2025
Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011May 02, 2025
Clarification On Volume Movement LetterApr 30, 2025
Clarification sought from PNB Housing Finance LtdApr 30, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationApr 29, 2025

Technical Indicators

RSI(14)
Neutral
43.50
ATR(14)
Less Volatile
28.79
STOCH(9,6)
Neutral
43.63
STOCH RSI(14)
Oversold
10.14
MACD(12,26)
Bearish
-4.06
ADX(14)
Weak Trend
13.58
UO(9)
Bearish
52.83
ROC(12)
Downtrend And Accelerating
-2.26
WillR(14)
Neutral
-64.69

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
Edelweiss Mid Cap Direct Plan-Growth
0.49%
481451
0.49%
0.49%
Edelweiss Arbitrage Fund Direct-Growth
0.47%
448500
0.34%
0.42%
SBI Arbitrage Opportunities Fund Direct-Growth
0.27%
417950
0.12%
0.17%
Canara Robeco Small Cap Fund Direct - Growth
1.73%
258085
0.22%
0.46%
Aditya Birla Sun Life Equity Hybrid '95 Fund Direct-Growth
0.64%
-248458
-0.33%
-0.31%
Aditya Birla Sun Life Banking & Financial Services Fund Direct-Growth
1.45%
-244499
-0.69%
-0.14%
Motilal Oswal Large Cap Fund Direct - Growth
0.86%
-205025
-0.94%
0.86%
Edelweiss Multi Cap Fund Direct - Growth
1.23%
202762
0.76%
1.23%
DSP Small Cap Direct Plan-Growth
0.78%
200000
0.14%
0.07%
ICICI Prudential Equity Arbitrage Direct-Growth
0.12%
185900
0.07%
0.11%
Invesco India Arbitrage Fund Direct-Growth
0.53%
180700
0.08%
0.35%
Aditya Birla Sun Life Arbitrage Fund Direct-Growth
0.16%
169000
0.09%
0.15%
Bandhan Large & Mid Cap Fund Direct-Growth
0.00%
-160004
-0.18%
0.00%
HDFC Arbitrage Fund Wholesale Direct-Growth
0.03%
-137800
-0.07%
0.03%
Mirae Asset Arbitrage Fund Direct - Growth
1.17%
136500
0.53%
0.53%
Baroda BNP Paribas Multi Cap Fund Direct-Growth
1.68%
120000
0.48%
0.19%
Shriram Multi Sector Rotation Fund Direct-Growth
6.21%
114500
6.21%
6.21%
DSP Arbitrage Fund Direct - Growth
0.34%
111800
0.20%
0.23%
Union Active Momentum Fund Direct-Growth
0.00%
-104112
-2.44%
-2.05%
ITI Mid Cap Fund Direct - Growth
0.00%
-103807
-0.90%
0.00%
Nippon India Arbitrage Fund Direct-Growth
0.51%
103350
0.09%
0.38%
UTI Arbitrage Fund Direct-Growth
0.32%
102700
0.14%
0.25%
UTI Banking and Financial Services Fund Direct Plan-Growth
0.00%
-93144
-0.75%
0.00%
Edelweiss Small Cap Fund Direct - Growth
2.21%
87661
0.17%
0.69%
Kotak Contra Fund Direct-Growth
1.14%
85000
0.22%
1.14%

About PNB Housing Finance

PNB Housing Finance Limited is a registered housing finance company promoted by Punjab National Bank, which holds 32.57% of its share capital. The company offers retail and corporate loans, including home loans, loan against property, and construction finance. It operates through a network of branches across India and a wholly-owned subsidiary, PHFL Home Loans and Services Limited. As of March 31, 2023, PNB Housing Finance had expanded its branch network to 189 branches/outreaches, with 82 branches/outreaches focused on the affordable loan segment in over 150 districts. The company's Assets Under Management (AUM) as of March 31, 2022, were Rs. 65,977 crore. PNB Housing Finance is listed on the National Stock Exchange and Bombay Stock Exchange since November 2016.
Listing Date
07 Nov, 2016(8 Years, 47 days)