| 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 |
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 |
| 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 |
| 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 |
| 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 % |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
PNB Housing Finance
1,055.60
-33.60
(-3.08%)
Market Cap
27,437.69 Cr
EPS
58.37
PE Ratio
14.62
Dividend Yield
0.46 %
Industry
Financial Services52 Week High
1,202.20
52 Week Low
741.25
PB Ratio
1.68
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 |
|---|---|---|---|---|---|---|---|---|
121.63 | #1 1,01,295.25 | 47.25 | 7,617.70 | 34.46 | 1,731 | #1 53.87 | 44.66 | |
600.00 | 33,003.78 | #1 6.11 | #1 27,277.80 | 20.02 | #1 4,760 | 26.99 | 48.48 | |
1,055.60 | #3 27,437.69 | #4 14.62 | #4 7,057.10 | #9 8.08 | #3 1,508 | #6 25.29 | 48.89 | |
437.80 | 18,886.01 | 20.89 | 2,587.00 | 26.60 | 750 | 21.31 | 44.30 | |
319.65 | 15,976.56 | 21.31 | 1,416.80 | 24.98 | 612 | 26.22 | 46.74 | |
1,850.50 | 14,646.70 | 29.53 | 2,020.70 | 25.46 | 491 | 14.85 | 50.41 | |
1,267.90 | 13,052.03 | 33.38 | 1,539.20 | 33.09 | 382 | 25.39 | 57.50 | |
127.91 | 10,595.24 | 7.99 | 8,624.80 | -1.16 | 1,217 | 1.44 | 57.68 | |
792.45 | 10,551.80 | 12.40 | 3,524.70 | 28.49 | 751 | 11.91 | 60.62 | |
883.15 | 9,528.77 | 25.28 | 861.40 | #1 42.10 | 248 | 38.77 | 54.64 |
Automatic Screeners on ScanX
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
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 | Mar 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 |
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 |
|---|---|---|---|---|---|
| 28 Apr 2025 |  Quarterly Result Announcement | NA | 28 Apr 2025 | 990.25 | 970.85 |
| 21 Jan 2025 | Quarterly Result Announcement | NA | 21 Jan 2025 | 854.85 | 912.35 |
| 24 Oct 2024 | Quarterly Result Announcement | NA | 24 Oct 2024 | 981.70 | 948.20 |
| 12 Aug 2024 |  Annual General Meeting | NA | 12 Aug 2024 | 831.80 | 823.20 |
| 05 Apr 2023 |  Rights | 29:54 | 05 Apr 2023 | 386.53 | 448.58 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
9 hours ago
9 hours agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation14 hours ago
14 hours agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation3 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJun 02, 2025
Jun 02, 2025Announcement under Regulation 30 (LODR)-Change in ManagementMay 31, 2025
May 31, 2025Inclusion In Senior Management PersonnelMay 31, 2025
May 31, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 30, 2025
May 30, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 28, 2025
May 28, 2025Announcement under Regulation 30 (LODR)-Credit RatingMay 28, 2025
May 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 27, 2025
May 27, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 26, 2025
May 26, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 24, 2025
May 24, 2025Announcement under Regulation 30 (LODR)-Change in ManagementMay 23, 2025
May 23, 2025Board Meeting Outcome for Outcome Of Board MeetingMay 23, 2025
May 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 22, 2025
May 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 21, 2025
May 21, 2025Announcement under Regulation 30 (LODR)-AllotmentMay 20, 2025
May 20, 2025Grant Of Options Under Employee Stock Options Plan (ESOP Scheme 2018) Of The CompanyMay 17, 2025
May 17, 2025Grant Of Options Under Employee Stock Options Plan (ESOP Scheme 2018) Of The CompanyMay 17, 2025
May 17, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 16, 2025
May 16, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 15, 2025
May 15, 2025Grant Of Rsus Under PNB Housing Restricted Stock Unit Scheme 2020 Of The CompanyMay 14, 2025
May 14, 2025Grant Of Options Under Employee Stock Options Plan (ESOP Scheme II 2018) Of The CompanyMay 14, 2025
May 14, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 02, 2025
May 02, 2025Announcement under Regulation 30 (LODR)-Resignation of DirectorMay 02, 2025
May 02, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011May 02, 2025
May 02, 2025Clarification On Volume Movement LetterApr 30, 2025
Apr 30, 2025Clarification sought from PNB Housing Finance LtdApr 30, 2025
Apr 30, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationApr 29, 2025
Apr 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeApr 28, 2025
Apr 28, 2025Corporate Action-Board approves DividendApr 28, 2025
Apr 28, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 28, 2025
Apr 28, 2025Announcement under Regulation 30 (LODR)-Investor PresentationApr 28, 2025
Apr 28, 2025Results- Financial Results For March 31 2025Apr 28, 2025
Apr 28, 2025Board Meeting Outcome for Outcome Of Board MeetingApr 28, 2025
Apr 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 22, 2025
Apr 22, 2025Board Meeting Intimation for Pre-Intimation Of Board Meeting For Consideration Of Financial Results And Proposal For Declaration Of Dividend For The Financial Year 2024-25Apr 21, 2025
Apr 21, 2025Announcement under Regulation 30 (LODR)-Change in ManagementApr 08, 2025
Apr 08, 2025Announcement under Regulation 30 (LODR)-Change in ManagementApr 02, 2025
Apr 02, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 02, 2025
Apr 02, 2025Closure 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, 2025Technical Indicators
RSI(14)
Neutral 48.89
ATR(14)
Less Volatile 32.11
STOCH(9,6)
Neutral 67.33
STOCH RSI(14)
Neutral 36.79
MACD(12,26)
Bearish -1.51
ADX(14)
Weak Trend 20.65
UO(9)
Bearish 51.97
ROC(12)
Uptrend But Slowing Down 0.94
WillR(14)
Neutral -74.01
Mutual Fund Holdings
| Funding House | No of Shares | Current Holding % | 1M Change % | 3M Change % | Month | |
|---|---|---|---|---|---|---|
 Kotak Small Cap Fund Direct-Growth | 1674981 | 1.01% | 1.01% | 1.01% | May 2025 | |
 Nippon India Small Cap Fund Direct- Growth | 5463339 | 0.91% | 0.15% | 0.21% | May 2025 | |
| Nippon India Multi Cap Fund Direct-Growth | 1073987 | 0.26% | 0.26% | 0.26% | May 2025 | |
 Franklin India Smaller Companies Fund Direct-Growth | 2256472 | 1.74% | 0.73% | 0.82% | May 2025 | |
 Aditya Birla Sun Life Frontline Equity Direct Fund-Growth | 2412213 | 0.84% | 0.26% | 0.31% | May 2025 | |
 Invesco India Arbitrage Fund Direct-Growth | 968500 | 0.45% | 0.27% | 0.43% | May 2025 | |
| Aditya Birla Sun Life PSU Equity Fund Direct-Growth | 2344805 | 4.39% | -0.95% | -0.78% | May 2025 | |
 Axis Small Cap Fund Direct-Growth | 466457 | 0.19% | 0.19% | 0.19% | May 2025 | |
 Motilal Oswal Large Cap Fund Direct - Growth | 400406 | 1.80% | 1.80% | 1.80% | May 2025 | |
 Tata Balanced Advantage Fund Direct - Growth | 400003 | 0.41% | 0.41% | 0.41% | May 2025 | |
| Nippon India Arbitrage Fund Direct-Growth | 590200 | 0.43% | 0.29% | 0.41% | May 2025 | |
| Kotak India EQ Contra Fund Direct-Growth | 376871 | 0.92% | 0.92% | 0.92% | May 2025 | |
| Aditya Birla Sun Life Small Cap Fund Direct-Growth | 906130 | 1.93% | 0.70% | 0.83% | May 2025 | |
 Canara Robeco Small Cap Fund Direct - Growth | 1787163 | 1.51% | 0.24% | 0.36% | May 2025 | |
 PGIM India Flexi Cap Fund Direct-Growth | 0 | 0.00% | -0.56% | -0.50% | May 2025 | |
 DSP Banking & Financial Services Fund Direct - Growth | 340401 | 2.76% | 2.76% | 2.76% | May 2025 | |
| PGIM India Midcap Opportunities Fund Direct-Growth | 0 | 0.00% | -0.32% | -0.29% | May 2025 | |
 Mahindra Manulife Multi Cap Fund Direct - Growth | 337769 | 0.65% | 0.65% | 0.65% | May 2025 | |
| Axis Multicap Fund Direct-Growth | 764436 | 1.03% | 0.37% | 0.63% | May 2025 | |
| Nippon India Multi Asset Allocation Fund Direct - Growth | 286397 | 0.50% | 0.50% | 0.50% | May 2025 | |
| Nippon India Banking & Financial Services Fund Direct-Growth | 286397 | 0.42% | 0.42% | 0.42% | May 2025 | |
| Nippon India Value Fund Direct-Growth | 1166835 | 1.41% | 0.35% | 0.45% | May 2025 | |
 Edelweiss Small Cap Fund Direct - Growth | 894211 | 2.04% | 0.52% | 2.04% | May 2025 | |
| Franklin India Prima Fund Direct-Growth | 1400001 | 1.19% | 0.20% | 0.30% | May 2025 | |
 UTI Small Cap Fund Direct - Growth | 203613 | 0.47% | 0.47% | 0.47% | May 2025 |
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,
38 days)
Website
we are part of Raise Financial Services
built with love
for indians who love to invest & trade
Market Community
Follow us on
