PNB Housing Finance

PNB Housing Finance

883.50
-8.25
(-0.93%)
Market Cap
22,982.83 Cr
EPS
74.52
PE Ratio
11.38
Dividend Yield
0.56 %
52 Week High
1,141.90
52 Week Low
746.70
PB Ratio
1.37
Debt to Equity
3.69
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+90.91 %
+90.91 %
Hold
Hold+9.09 %
+9.09 %
Sell
Sell0.0 %
0.0 %

Company News

View All News
Caret
neutral
PNB Housing Finance Participates in Morgan Stanley Virtual Investor Meet6 days ago
PNB Housing Finance Limited participated in the Morgan Stanley India Financials Virtual Investor Group Meet on September 17, 2025. The company's senior executives including Executive Director Jatul Anand, CFO Vinay Gupta, Chief Business Officer Valli Sekar, and Head of Financial Planning & Analysis Chaitanya Yadav attended the virtual meeting held in Gurgaon. The discussions covered growth updates, short-term business strategy, asset quality, and return profile of the company. The meeting included 36 institutional investors and fund managers including Franklin Templeton, GIC, Kotak Mahindra Asset Management, SBI Pension Funds, and Premji Investments among others. The company confirmed that no unpublished price sensitive information was shared during the meeting.
neutral
PNB Housing will announce its new CEO within two weeks. The company has confirmed that its ongoing guidance remains unchanged.
positive
PNB Housing has obtained approval to issue Non-Convertible Debentures (NCDs) with a value of up to ₹50 billion rupees. This approval enables the housing finance company to raise funds through debt instruments in the capital markets.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
112.57
#1 93,797.09
41.40
9,576.00
25.71
2,163
20.87
47.62
582.45
32,038.42
#1 5.83
#1 28,110.70
3.05
#1 5,443
4.41
60.27
533.55
23,052.53
24.43
3,108.90
20.17
912
18.59
57.40
883.50
#4 22,982.83
#3 11.38
#4 7,691.60
#8 8.99
#3 1,936
#4 23.27
58.88
322.90
16,142.04
20.29
1,798.40
27.62
751
27.65
40.59
1,658.90
13,131.34
26.72
2,020.70
25.46
491
14.85
56.08
1,266.60
13,076.81
31.68
1,539.20
33.09
382
35.42
47.49
136.25
11,286.38
7.99
8,683.30
-1.16
-1,808
2.29
64.71
786.60
10,473.90
11.78
3,879.60
10.07
857
12.17
56.02
877.95
9,476.10
23.12
1,175.90
#1 36.51
378
#1 42.99
47.15
Forecast
Actual
Growth Rate
Revenue Growth
8.99 %
Net Income Growth
28.39 %
Cash Flow Change
-72.85 %
ROE
14.00 %
ROCE
-0.86 %
EBITDA Margin (Avg.)
3.86 %

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
239
Current Assets
3,305
4,851
9,685
8,089
6,358
5,543
3,601
4,068
Capital Work in Progress
10
5
4
2
4
3
15
16
Investments
2,413
4,561
2,076
2,045
3,483
3,196
4,346
3,381
Other Assets
60,516
79,200
76,599
69,164
62,093
63,528
67,837
78,884
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
6,645
Non Current Liabilities
42,070
61,587
66,633
58,188
52,911
53,571
51,529
59,013
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
2025
Net Cash Flow
2,751
1,217
4,480
-1,546
-1,953
-1,388
-1,669
104
Investing Activities
-50
-54
-63
21
-1,475
176
-1,186
757
Operating Activities
-15,664
-16,617
8,929
6,611
6,254
-1,865
-4,662
-8,057
Financing Activities
18,464
17,888
-4,386
-8,178
-6,732
302
4,179
7,404

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 5
Dividend Yield (%) 0.34 0.56 1.26 6.7 0.00 0.00 0.00 0.00 0.00 0.56

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
05 Apr 2023 RIGHTS Rights
29:54
05 Apr 2023 386.53 448.58
12 Aug 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
12 Aug 2024 831.80 823.20
24 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
24 Oct 2024 981.70 948.20
21 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
21 Jan 2025 854.85 912.35
28 Apr 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
28 Apr 2025 990.25 970.85
21 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
21 Jul 2025 1,076.40 1,081.90
01 Aug 2025 DIVIDEND Dividend
5.00 /share
01 Aug 2025 970.85 986.20
21 Aug 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
21 Aug 2025 1,103.35 808.85

Announcements

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS5 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome6 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 11, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeSep 09, 2025
Board Meeting Outcome for Meeting Held On September 05 2025Sep 05, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 04, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeSep 01, 2025
Board Meeting Intimation for Fund RaisingAug 29, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 26, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateAug 23, 2025
Announcement under Regulation 30 (LODR)-Amendments to Memorandum & Articles of AssociationAug 22, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMAug 22, 2025
Scrutinizers Report & Voting Results Of The 37Th Annual General MeetingAug 22, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 22, 2025
Proceedings Of 37Th Annual General Meeting Of The Company Held On August 21 2025.Aug 21, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 13, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 12, 2025
Grant Of Options Under Employee Stock Options PlanAug 09, 2025
Transcript Of InvestorS Call Held On August 4 2025Aug 09, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 07, 2025
Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Aug 06, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 04, 2025
Senior Management Personnel - UpdateAug 02, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 01, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 01, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 01, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 31, 2025
Board Meeting Outcome for Resignation Of Mr Girish Kousgi As Managing Director & CEO Of The CompanyJul 31, 2025
Announcement under Regulation 30 (LODR)-Resignation of Managing DirectorJul 31, 2025
Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Jul 30, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 29, 2025
Business Responsibility and Sustainability Reporting (BRSR)Jul 28, 2025
Reg. 34 (1) Annual Report.Jul 28, 2025
Notice Of 37Th Annual General Meeting And Annual Report Of The Company For The Financial Year 2024-25Jul 28, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 28, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 25, 2025
Announcement under Regulation 30 (LODR)-AllotmentJul 23, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementJul 23, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 22, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 22, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 21, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationJul 21, 2025
Consolidated And Standalone Unaudited Financial Results For The Quarter Ended June 30 2025Jul 21, 2025
Board Meeting Outcome for Consolidated And Standalone Unaudited Financial Results For The Quarter Ended June 30 2025Jul 21, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 15, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 15, 2025
Board Meeting Intimation for Considering And Approving The Un-Audited Standalone And Consolidated Financial Results For The Quarter Ended June 30 2025Jul 14, 2025
Announcement under Regulation 30 (LODR)-Credit RatingJul 05, 2025
DividendJul 02, 2025
Board Meeting Outcome for Outcome Of Board MeetingJul 02, 2025

Technical Indicators

RSI(14)
Neutral
66.44
ATR(14)
Volatile
21.56
STOCH(9,6)
Overbought
87.95
STOCH RSI(14)
Overbought
94.76
MACD(12,26)
Bullish
14.53
ADX(14)
Strong Trend
28.67
UO(9)
Bearish
60.70
ROC(12)
Uptrend And Accelerating
12.64
WillR(14)
Overbought
-4.25

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
Kotak Small Cap Fund Direct-Growth
0.00%
-1674981
-0.92%
-1.03%
Nippon India Small Cap Fund Direct- Growth
0.50%
-1125102
-0.32%
-0.41%
ICICI Prudential Equity Arbitrage Direct-Growth
0.34%
1076400
0.22%
0.22%
Tata Arbitrage Fund Direct - Growth
0.42%
982800
0.39%
0.42%
Bandhan Small Cap Fund Direct-Growth
1.22%
910000
0.20%
0.41%
HSBC Arbitrage Fund Direct-Growth
2.83%
841100
2.63%
2.64%
Bandhan Arbitrage Fund Direct-Growth
0.95%
772850
0.64%
0.64%
Axis Arbitrage Fund Direct-Growth
0.73%
686400
0.67%
0.67%
Aditya Birla Sun Life Arbitrage Fund Direct-Growth
0.30%
624650
0.16%
0.14%
Aditya Birla Sun Life Value Direct Fund-Growth
1.52%
617500
0.60%
0.46%
Kotak Contra Fund Direct-Growth
0.00%
-461871
-1.02%
-1.14%
Axis Multicap Fund Direct-Growth
0.28%
-455281
-0.63%
-0.75%
Baroda BNP Paribas Multi Cap Fund Direct-Growth
0.00%
-445108
-1.49%
-1.68%
UTI Arbitrage Fund Direct-Growth
0.53%
402350
0.25%
0.21%
Nippon India Value Fund Direct-Growth
0.67%
-400000
-0.64%
-0.78%
HDFC Arbitrage Fund Wholesale Direct-Growth
0.17%
388050
0.12%
0.14%
Mahindra Manulife Multi Cap Fund Direct - Growth
0.00%
-337769
-0.58%
-0.65%
Baroda BNP Paribas Arbitrage Fund Direct - Growth
2.09%
304850
1.92%
1.92%
DSP Arbitrage Fund Direct - Growth
0.63%
301600
0.31%
0.29%
Tata Multicap Fund Direct - Growth
1.00%
-275000
-1.15%
-1.37%
Bank of India Small Cap Fund Direct-Growth
0.39%
-274272
-1.50%
-1.77%
Motilal Oswal Arbitrage Fund Direct-Growth
1.64%
265850
1.64%
1.64%
Baroda BNP Paribas Focused Fund Direct - Growth
0.00%
-250000
-3.53%
-3.86%
SBI Arbitrage Opportunities Fund Direct-Growth
0.27%
228150
-0.04%
0.00%
Baroda BNP Paribas Large & Mid Cap Fund Direct - Growth
0.35%
-225000
-1.48%
-1.67%

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, 48 days)