| 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 |
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 %
Industry
Financial Services52 Week High
1,141.90
52 Week Low
746.70
PB Ratio
1.37
Debt to Equity
3.69
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 from11 analysts
Company News
View All News
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.
PNB Housing will announce its new CEO within two weeks. The company has confirmed that its ongoing guidance remains unchanged.
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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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 |
|---|---|---|---|---|---|---|---|---|
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
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 | 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 |
Announcements
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome6 days ago
6 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 11, 2025
Sep 11, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeSep 09, 2025
Sep 09, 2025Board Meeting Outcome for Meeting Held On September 05 2025Sep 05, 2025
Sep 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 04, 2025
Sep 04, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeSep 01, 2025
Sep 01, 2025Board Meeting Intimation for Fund RaisingAug 29, 2025
Aug 29, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateAug 23, 2025
Aug 23, 2025Announcement under Regulation 30 (LODR)-Amendments to Memorandum & Articles of AssociationAug 22, 2025
Aug 22, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 22, 2025
Aug 22, 2025Scrutinizers Report & Voting Results Of The 37Th Annual General MeetingAug 22, 2025
Aug 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 22, 2025
Aug 22, 2025Proceedings Of 37Th Annual General Meeting Of The Company Held On August 21 2025.Aug 21, 2025
Aug 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 12, 2025
Aug 12, 2025Grant Of Options Under Employee Stock Options PlanAug 09, 2025
Aug 09, 2025Transcript Of InvestorS Call Held On August 4 2025Aug 09, 2025
Aug 09, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 07, 2025
Aug 07, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Aug 06, 2025
Aug 06, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 04, 2025
Aug 04, 2025Senior Management Personnel - UpdateAug 02, 2025
Aug 02, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 31, 2025
Jul 31, 2025Board Meeting Outcome for Resignation Of Mr Girish Kousgi As Managing Director & CEO Of The CompanyJul 31, 2025
Jul 31, 2025Announcement under Regulation 30 (LODR)-Resignation of Managing DirectorJul 31, 2025
Jul 31, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Jul 30, 2025
Jul 30, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 29, 2025
Jul 29, 2025Business Responsibility and Sustainability Reporting (BRSR)Jul 28, 2025
Jul 28, 2025Reg. 34 (1) Annual Report.Jul 28, 2025
Jul 28, 2025Notice Of 37Th Annual General Meeting And Annual Report Of The Company For The Financial Year 2024-25Jul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-AllotmentJul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 22, 2025
Jul 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 22, 2025
Jul 22, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 21, 2025
Jul 21, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 21, 2025
Jul 21, 2025Consolidated And Standalone Unaudited Financial Results For The Quarter Ended June 30 2025Jul 21, 2025
Jul 21, 2025Board Meeting Outcome for Consolidated And Standalone Unaudited Financial Results For The Quarter Ended June 30 2025Jul 21, 2025
Jul 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 15, 2025
Jul 15, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 15, 2025
Jul 15, 2025Board Meeting Intimation for Considering And Approving The Un-Audited Standalone And Consolidated Financial Results For The Quarter Ended June 30 2025Jul 14, 2025
Jul 14, 2025Announcement under Regulation 30 (LODR)-Credit RatingJul 05, 2025
Jul 05, 2025DividendJul 02, 2025
Jul 02, 2025Board Meeting Outcome for Outcome Of Board MeetingJul 02, 2025
Jul 02, 2025Technical 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
Kotak Small Cap Fund Direct-Growth 
Nippon India Small Cap Fund Direct- Growth 
ICICI Prudential Equity Arbitrage Direct-Growth 
Tata Arbitrage Fund Direct - Growth 
Bandhan Small Cap Fund Direct-Growth 
HSBC Arbitrage Fund Direct-Growth 
Axis Arbitrage Fund Direct-Growth 
Aditya Birla Sun Life Arbitrage Fund Direct-Growth 
Baroda BNP Paribas Multi Cap Fund Direct-Growth 
UTI Arbitrage Fund Direct-Growth 
HDFC Arbitrage Fund Wholesale Direct-Growth 
Mahindra Manulife Multi Cap Fund Direct - Growth 
DSP Arbitrage Fund Direct - Growth 
Bank of India Small Cap Fund Direct-Growth 
Motilal Oswal Arbitrage Fund Direct-Growth 
SBI Arbitrage Opportunities Fund Direct-Growth 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)
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