| 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 |
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 |
| 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 |
| 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 |
| 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 % |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
PNB Housing Finance
979.40
+56.25
(6.09%)
Market Cap
25,457.06 Cr
EPS
58.37
PE Ratio
13.15
Dividend Yield
0.00 %
Industry
Financial Services52 Week High
1,202.20
52 Week Low
616.60
PB Ratio
1.51
Debt to Equity
4.18
Sector
Housing Finance
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 from10 analysts
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 |
|---|---|---|---|---|---|---|---|---|
119.38 | #1 99,421.42 | 50.32 | 7,617.70 | 34.46 | 1,731 | 25.40 | 51.28 | |
559.65 | 30,784.28 | #1 5.94 | #1 27,277.80 | 20.02 | #1 4,760 | 22.75 | 52.20 | |
979.40 | #3 25,457.06 | #4 13.15 | #4 7,057.10 | #9 8.08 | #3 1,508 | #2 42.82 | 66.77 | |
463.40 | 19,990.36 | 22.79 | 2,587.00 | 26.60 | 750 | 17.13 | 63.69 | |
2,028.15 | 16,052.80 | 32.98 | 2,020.70 | 25.46 | 491 | 14.85 | 59.13 | |
302.45 | 15,116.88 | 21.13 | 1,416.80 | 24.98 | 612 | 20.88 | 51.23 | |
1,059.00 | 9,536.88 | 26.29 | 1,156.50 | #1 45.36 | 306 | 23.60 | 57.77 | |
850.90 | 9,180.81 | 25.86 | 861.40 | 42.10 | 248 | #1 54.25 | 65.51 | |
107.80 | 8,929.46 | 7.99 | 8,624.80 | -1.16 | 1,217 | -0.07 | 43.82 | |
652.00 | 8,681.65 | 10.50 | 3,524.70 | 28.49 | 751 | 6.00 | 49.92 |
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
Balance Sheet
| Balance Sheet | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Total Assets | 63,015 | 83,869 | 78,930 | 71,392 | 65,730 | 66,874 | 72,405 |
| Fixed Assets | 76 | 103 | 251 | 181 | 150 | 146 | 207 |
| Current Assets | 3,305 | 4,851 | 9,685 | 8,089 | 6,358 | 5,543 | 3,601 |
| Capital Work in Progress | 10 | 5 | 4 | 2 | 4 | 3 | 15 |
| Investments | 2,413 | 4,561 | 2,076 | 2,045 | 3,483 | 3,196 | 4,346 |
| Other Assets | 60,516 | 79,200 | 76,599 | 69,164 | 62,093 | 63,528 | 67,837 |
| Total Liabilities | 63,015 | 83,869 | 78,930 | 71,392 | 65,730 | 66,874 | 72,405 |
| Current Liabilities | 14,377 | 14,738 | 4,299 | 4,282 | 2,947 | 2,288 | 5,902 |
| Non Current Liabilities | 42,070 | 61,587 | 66,633 | 58,188 | 52,911 | 53,571 | 51,529 |
| Total Equity | 6,567 | 7,544 | 7,998 | 8,923 | 9,872 | 11,014 | 14,974 |
| Reserve & Surplus | 6,401 | 7,376 | 7,830 | 8,755 | 9,703 | 10,845 | 14,715 |
| Share Capital | 167 | 168 | 168 | 168 | 169 | 169 | 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 |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 |
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
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Announcements
Announcement under Regulation 30 (LODR)-Change in Management
4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Change in Management10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Change in Management10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release10 days ago
10 days agoClosure of Trading WindowMar 29, 2025
Mar 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMar 25, 2025
Mar 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMar 24, 2025
Mar 24, 2025Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotMar 20, 2025
Mar 20, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportMar 20, 2025
Mar 20, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 18, 2025
Mar 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 18, 2025
Mar 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMar 18, 2025
Mar 18, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMar 13, 2025
Mar 13, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 07, 2025
Mar 07, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeFeb 27, 2025
Feb 27, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeFeb 27, 2025
Feb 27, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 22, 2025
Feb 22, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On February 22 2025Feb 22, 2025
Feb 22, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationFeb 19, 2025
Feb 19, 2025Dispatch Of Postal Ballot Notice To ShareholdersFeb 18, 2025
Feb 18, 2025Board Meeting Intimation for Considering Issue Of Non Convertible DebenturesFeb 17, 2025
Feb 17, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSFeb 14, 2025
Feb 14, 2025Announcement under Regulation 30 (LODR)-Change in ManagementFeb 14, 2025
Feb 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeFeb 13, 2025
Feb 13, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeFeb 12, 2025
Feb 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 07, 2025
Feb 07, 2025Announcement under Regulation 30 (LODR)-AllotmentFeb 06, 2025
Feb 06, 2025Announcement under Regulation 30 (LODR)-Award_of_Order_Receipt_of_OrderFeb 01, 2025
Feb 01, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJan 24, 2025
Jan 24, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJan 22, 2025
Jan 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJan 21, 2025
Jan 21, 2025Integrated Filing (Financial)Jan 21, 2025
Jan 21, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJan 21, 2025
Jan 21, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJan 21, 2025
Jan 21, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJan 21, 2025
Jan 21, 2025Board Meeting Outcome for Outcome Of Board Meeting - Unaudited Financial Results For Q3FY25Jan 21, 2025
Jan 21, 2025Un-Audited Financial Results For The 3Rd Quarter And Nine Months Ended December 31 2024Jan 21, 2025
Jan 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJan 13, 2025
Jan 13, 2025Board Meeting Intimation for Intimation Under Regulation 29 33 And 50 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 And SEBI (Prohibition Of Insider Trading) RegulatioJan 13, 2025
Jan 13, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jan 10, 2025
Jan 10, 2025Announcement under Regulation 30 (LODR)-AllotmentJan 07, 2025
Jan 07, 2025Change Of Name Of Registrar And Share Transfer Agent (RTA) Of The Company.Jan 01, 2025
Jan 01, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateJan 01, 2025
Jan 01, 2025Closure of Trading WindowDec 30, 2024
Dec 30, 2024Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011Dec 09, 2024
Dec 09, 2024Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSDec 07, 2024
Dec 07, 2024Disclosure Under Regulation 30 And 51 Of The SEBI (LODR) Regulations, 2015 - UpdateDec 06, 2024
Dec 06, 2024Announcement under Regulation 30 (LODR)-Credit RatingNov 29, 2024
Nov 29, 2024Announcement under Regulation 30 (LODR)-Credit RatingNov 22, 2024
Nov 22, 2024Technical Indicators
RSI(14)
Neutral 66.77
ATR(14)
Volatile 42.57
STOCH(9,6)
Neutral 79.99
STOCH RSI(14)
Neutral 63.27
MACD(12,26)
Bullish 10.17
ADX(14)
Weak Trend 20.08
UO(9)
Bearish 65.25
ROC(12)
Uptrend And Accelerating 12.19
WillR(14)
Overbought -2.87
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,
37 days)
Website
Chairperson Name
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