| 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 | Sept 2025 | Dec 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 | 2,131 | 2,121 |
| 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 | 88 | 183 |
| 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 | 2,043 | 1,938 |
| 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 % | 96 % | 91 % |
| 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 | 16 | 16 |
| 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 | 1,267 | 1,253 |
| 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 | 760 | 668 |
| 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 | 178 | 148 |
| 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 | 582 | 520 |
| 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 | 22.34 | 19.97 |
PNB Housing Finance
PNB Housing Finance
812.40
-47.85
(-5.56%)
Market Cap
21,163.72 Cr
PE Ratio
10.24
Volume
38,07,984.00
Day High - Low
866.25 - 806.00
52W High-Low
1,141.90 - 746.70
Q3 Quarterly Results are out. Check out the updated financials18 hrs ago
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Key Fundamentals
Market Cap
21,163.72 Cr
EPS
74.52
PE Ratio
10.24
PB Ratio
1.25
Book Value
689.83
EBITDA
7,093.10
Dividend Yield
0.58 %
Industry
Financial Services Sector
Housing Finance Return on Equity
11.48
Debt to Equity
3.69
Analyst Rating and Forecast
- By Refinitiv from11 analysts
Actual
Company News
View All News
PNB Housing Finance reaffirms retail book growth forecast at 17-18% and maintains Net Interest Margin guidance at 3.6-3.7% during recent concall, signaling steady business outlook.
PNB Housing Finance Limited disclosed a fraud involving M/s. Sarv Realtors Private Limited worth ₹237.43 crores. The account was already written-off in FY 2022-23, ensuring no material impact on current financials.
PNB Housing Finance reported net profit of ₹520.35 crores for Q3 FY26, up 7.67% YoY. Nine-month profit reached ₹1,635.44 crores, marking 18.01% growth with strong operational performance.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
88.35 | #1 73,616.18 | 32.00 | 9,576.00 | 25.71 | 2,163 | 17.85 | 26.70 | |
506.45 | 27,857.94 | #1 5.15 | #1 28,110.70 | 3.05 | #1 5,443 | 1.63 | 35.57 | |
812.40 | #3 21,163.72 | #3 10.24 | #4 7,691.60 | #8 8.99 | #3 1,936 | #9 7.66 | 23.71 | |
468.40 | 20,319.02 | 20.64 | 3,108.90 | 20.17 | 912 | 17.14 | 38.32 | |
259.70 | 13,003.77 | 15.77 | 1,798.40 | 27.62 | 751 | 24.51 | 31.43 | |
898.10 | 11,958.57 | 12.46 | 3,879.60 | 10.07 | 857 | 24.85 | 45.65 | |
1,479.50 | 11,714.61 | 23.62 | 2,020.70 | 25.46 | 491 | 14.85 | 53.22 | |
1,112.80 | 11,564.58 | 24.09 | 1,539.20 | 33.09 | 382 | 43.94 | 55.07 | |
138.91 | 11,506.79 | 9.13 | 8,683.30 | 0.68 | -1,808 | #1 111.17 | 39.47 | |
776.60 | 8,433.64 | 19.03 | 1,175.90 | #1 36.51 | 378 | 35.41 | 38.74 |
Automatic Screeners on ScanX
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
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 | Sept 2025 | Dec 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 % | 28.04 % | 28.04 % |
| 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 % | 18.61 % | 17.22 % |
| 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 % | 40.69 % | 43.03 % |
| 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 % | 0.01 % | 0.02 % |
| 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 % | 9.77 % | 9.07 % |
| 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 % | 2.88 % | 2.62 % |
| 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 | 2,24,183 | 1,99,930 |
Dividend History
| Annual Cash Flows | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 6 | 9 | 9 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 5 | 0.00 |
| Dividend Yield (%) | 0.56 | 1.26 | 6.7 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.58 | 0.00 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 05 Apr 2023 |  Rights | 29:54 | 05 Apr 2023 | 386.53 | 448.58 |
| 12 Aug 2024 |  Annual General Meeting | NA | 12 Aug 2024 | 831.80 | 823.20 |
| 24 Oct 2024 |  Quarterly Result Announcement | NA | 24 Oct 2024 | 981.70 | 948.20 |
| 21 Jan 2025 | Quarterly Result Announcement | NA | 21 Jan 2025 | 854.85 | 912.35 |
| 28 Apr 2025 | Quarterly Result Announcement | NA | 28 Apr 2025 | 990.25 | 970.85 |
| 21 Jul 2025 | Quarterly Result Announcement | NA | 21 Jul 2025 | 1,076.40 | 1,081.90 |
| 01 Aug 2025 |  Dividend | ₹ 5.00 /share | 01 Aug 2025 | 970.85 | 986.20 |
| 21 Aug 2025 | Annual General Meeting | NA | 21 Aug 2025 | 1,103.35 | 808.85 |
| 27 Oct 2025 | Quarterly Result Announcement | NA | 27 Oct 2025 | 843.80 | 907.80 |
| 21 Jan 2026 | Quarterly Result Announcement | NA | 21 Jan 2026 | 979.45 | 950.10 |
Announcements
Announcement under Regulation 30 (LODR)-Newspaper Publication
1 day ago
1 day agoDisclosure Under Regulation 30 Of SEBI (LODR) Regulations 20151 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome1 day ago
1 day agoDisclosure Under Regulation 30 Of SEBI (LODR) Regulations 20151 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Investor Presentation1 day ago
1 day agoSubmission Of Unaudited Financial Results (Consolidated And Standalone) For The Quarter And Nine Months Ended December 31 20251 day ago
1 day agoBoard Meeting Outcome for Submission Of Unaudited Financial Results (Consolidated And Standalone) For The Quarter And Nine Months Ended December 31 20251 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation9 days ago
9 days agoBoard Meeting Intimation for Consideration Of Financial Results For Q3 FY 26 And Intimation Of Trading Window Closure10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Allotment10 days ago
10 days agoCompliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jan 06, 2026
Jan 06, 2026Announcement under Regulation 30 (LODR)-Credit RatingDec 29, 2025
Dec 29, 2025Closure of Trading WindowDec 27, 2025
Dec 27, 2025 Grant Of Esops And RsusDec 24, 2025
Dec 24, 2025Announcement Under Regulation 30 (LODR)Dec 23, 2025
Dec 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeDec 19, 2025
Dec 19, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseDec 18, 2025
Dec 18, 2025Announcement under Regulation 30 (LODR)-Change in ManagementDec 15, 2025
Dec 15, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationDec 15, 2025
Dec 15, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateDec 12, 2025
Dec 12, 2025Board Meeting Outcome for Outcome Of Board MeetingDec 12, 2025
Dec 12, 2025Announcement under Regulation 30 (LODR)-AllotmentDec 05, 2025
Dec 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeDec 04, 2025
Dec 04, 2025Announcement under Regulation 30 (LODR)-Change in ManagementNov 29, 2025
Nov 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 28, 2025
Nov 28, 2025Announcement under Regulation 30 (LODR)-Credit RatingNov 27, 2025
Nov 27, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseNov 20, 2025
Nov 20, 2025Announcement under Regulation 30 (LODR)-Credit RatingNov 17, 2025
Nov 17, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportNov 14, 2025
Nov 14, 2025Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotNov 14, 2025
Nov 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 12, 2025
Nov 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 11, 2025
Nov 11, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 06, 2025
Nov 06, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 06, 2025
Nov 06, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptOct 30, 2025
Oct 30, 2025Announcement under Regulation 30 (LODR)-Credit RatingOct 28, 2025
Oct 28, 2025UpdateOct 28, 2025
Oct 28, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 28, 2025
Oct 28, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 28, 2025
Oct 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 27, 2025
Oct 27, 2025Consolidated And Standalone Audited Financial Results For The Half Year Ended September 30 2025Oct 27, 2025
Oct 27, 2025Board Meeting Outcome for Consolidated And Standalone Audited Financial Results For The Half Year Ended September 30 2025Oct 27, 2025
Oct 27, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 27, 2025
Oct 27, 2025Announcement under Regulation 30 (LODR)-Investor PresentationOct 27, 2025
Oct 27, 2025Announcement under Regulation 30 (LODR)-CessationOct 26, 2025
Oct 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 17, 2025
Oct 17, 2025Board Meeting Intimation for Consideration Of Financial Results And Intimation Of Trading Window ClosureOct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 15, 2025
Oct 15, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 14, 2025
Oct 14, 2025Mutual Fund Holdings
Technical Indicators
RSI(14)
Neutral 29.20
ATR(14)
Volatile 30.38
STOCH(9,6)
Oversold 15.26
STOCH RSI(14)
Oversold 0.00
MACD(12,26)
Bearish -12.80
ADX(14)
Weak Trend 24.14
UO(9)
Bearish 34.39
ROC(12)
Downtrend And Accelerating -14.31
WillR(14)
Oversold -87.24
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...more
Listing Date
07 Nov, 2016(9 Years,
47 days)
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