Financial Services · NIFTY 500

PNB Housing Finance Limited

NSEPNBHOUSING BSE540173 ISININE572E01012 SeriesEQ Listed on NSE · BSE

₹1,135.40 +13.70 (+1.22%) Updated 12 Nov, 9:19 pm IST

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Price, daily close+18.09% in a year

Today

Open: ₹1,121.50
Prev close: ₹1,121.70
Day high: ₹1,157.50
Day low: ₹1,120.00
Volume: 10.53 L
Value traded: ₹120.28 Cr
Upper circuit: ₹1,172.90
Lower circuit: ₹1,104.70
52W high: ₹1,224.80
52W low: ₹729.60
1 month: -4.33%
6 months: +2.55%

52W low52W high

Ratios

Key numbers

Worked out from the latest filings (Consolidated) and today's price. TTM = last four quarters.

Market cap₹29,611 Cr

P/E (TTM)12.62

P/B1.46

Book value / share₹776.43

EPS (TTM)₹89.96

ROE6.0%

Dividend yield0.70%

Dividend (12m)₹8.00 / share

Net margin (TTM)13.5%

Operating marginn/a (bank)

Debt / equityn/a (bank)

Current ratio—

EV / EBITDA—

Sales growth (YoY qtr)+13.88%

Profit growth (YoY qtr)—

Sales CAGR 3Y+9.22%

Profit CAGR 3Y+29.87%

Shares26.08 Cr

Quarterly results

Results for each quarter

Last 12 quarters, consolidated, ₹ crore. Hover a bar to see the number.

Revenue and net profit

1,755338

Dec 23

1,810439

Mar 24

1,8230.0

Jun 24

1,879470

Sep 24

1,942483

Dec 24

2,022550

Mar 25

2,076534

Jun 25

2,1280.0

Sep 25

2,1190.0

Dec 25

2,182656

Mar 26

2,263557

Jun 26

2,4230.0

Sep 26

Revenue · QoQ (vs last quarter)

—+3.1%+0.7%+3.1%+3.4%+4.1%+2.7%+2.5%-0.4%+2.9%+3.8%+7.1%

Revenue · YoY (vs a year ago)

————+11%+12%+14%+13%+9.1%+7.9%+9.0%+14%

Net profit · QoQ (vs last quarter)

—+30%-100%—+2.9%+14%-3.1%-100%——-15%-100%

Net profit · YoY (vs a year ago)

————+43%+25%—-100%-100%+19%+4.5%—

RevenueNet profitLine = trend

13.00

Dec 23

16.86

Mar 24

16.61

Jun 24

18.02

Sep 24

18.53

Dec 24

21.10

Mar 25

20.45

Jun 25

22.29

Sep 25

19.93

Dec 25

25.11

Mar 26

21.33

Jun 26

23.59

Sep 26

EPS (₹) · YoY (vs a year ago)

————+43%+25%+23%+24%+7.6%+19%+4.3%+5.8%

EPS (₹)Line = trend

₹ Cr	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25	Dec 25	Mar 26	Jun 26	Sep 26
Interest earned	1,755	1,810	1,823	1,879	1,942	2,022	2,076	2,128	2,119	2,182	2,263	2,423
Other income	1.3	4.0	9.0	1.0	1.4	14.9	5.8	2.7	1.6	-9.6	1.9	0.8
Total income	1,756	1,814	1,832	1,880	1,943	2,037	2,082	2,131	2,121	2,172	2,265	2,424
Raw material	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Purchases	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Employee cost	80.6	90.6	109	109	98.3	105	118	109	134	126	135	139
Other expenses	72.0	71.1	67.4	76.1	89.9	88.4	79.7	91.2	86.5	98.6	83.1	100
Total expenses	1,316	1,254	1,278	1,275	1,327	1,326	1,394	1,371	1,452	1,317	1,547	1,627
Finance cost	1,087	1,070	1,097	1,119	1,158	1,178	1,234	1,267	1,253	1,246	1,339	1,415
Depreciation	13.1	14.2	13.4	13.9	14.4	14.3	14.7	16.4	16.2	19.2	16.4	16.8
Profit before tax	440	560	554	605	616	711	688	760	668	855	718	797
Tax	102	121	121	135	132	161	154	178	148	199	161	180
Net profit	338	439	433	470	483	550	534	582	520	656	557	617
Profit to shareholders	—	—	0.0	—	—	—	—	0.0	0.0	—	—	0.0
EPS (₹)	13.00	16.86	16.61	18.02	18.53	21.10	20.45	22.29	19.93	25.11	21.33	23.59

Profit & loss

Results for each year

7 financial years (April to March), consolidated, ₹ crore.

Sales, operating profit and net profit

8,482646

FY20

7,6040.0

FY21

6,1960.0

FY22

6,5271,046

FY23

7,0501,508

FY24

7,6651,936

FY25

8,5052,291

FY26

Revenue · YoY (vs a year ago)

—-10%-19%+5.3%+8.0%+8.7%+11%

Net profit · YoY (vs a year ago)

—-100%——+44%+28%+18%

RevenueNet profitLine = trend

₹ Cr	FY20	FY21	FY22	FY23	FY24	FY25	FY26
Interest earned	8,482	7,604	6,196	6,527	7,050	7,665	8,505
Other income	7.7	20.2	4.8	2.3	7.0	26.3	0.5
Total expenses	7,679	6,417	5,117	5,169	5,103	5,206	5,534
Employee cost	233	211	217	266	337	421	487
Finance cost	5,875	5,100	4,064	3,899	4,261	4,551	5,000
Depreciation	65.9	59.0	53.4	51.4	51.2	55.9	66.5
Profit before tax	811	1,207	1,084	1,361	1,954	2,486	2,971
Tax	165	277	247	315	446	550	679
Tax rate %	20.3%	23.0%	22.8%	23.1%	22.8%	22.1%	22.9%
Net profit	646	930	836	1,046	1,508	1,936	2,291
Profit to shareholders	—	0.0	0.0	—	—	—	—
Net margin %	7.6%	0.0%	0.0%	16.0%	21.4%	25.3%	26.9%
EPS (₹)	38.41	55.26	49.53	61.95	58.20	74.25	87.80

Balance sheet

Assets and debt

At each year end (and the latest half year), ₹ crore.

Equity, debt and assets

11,01431,17517,214

Mar 23

14,97428,66717,758

Mar 24

16,86335,55517,642

Mar 25

19,21943,54318,055

Mar 26

20,24948,39617,704

Sep 26

Shareholders' equity · YoY (vs a year ago)

—+36%+13%+14%—

Shareholders' equityBorrowingsDepositsLine = trend

₹ Cr	Mar 23	Mar 24	Mar 25	Mar 26	Sep 26
Shareholders' equity	11,014	14,974	16,863	19,219	20,249
Deposits	17,214	17,758	17,642	18,055	17,704
Total borrowings	31,175	28,667	35,555	43,543	48,396
Fixed assets (PPE)	132	66.6	81.8	241	239
Investments	3,196	4,346	3,381	2,779	3,708
Inventories	0.0	0.0	0.0	0.0	0.0
Cash & equivalents	3,678	2,142	2,160	2,483	2,004
Total assets	66,874	72,405	82,520	93,512	101,638
Debt / equity	2.83	1.91	2.11	2.27	2.39

Cash flow

Cash coming in and going out

For each financial year, ₹ crore. Free cash flow = cash from operations minus spending on fixed assets.

Operating, investing and financing cash

6,256-1,475-6,684

FY22

-1,865176301

FY23

-4,662-1,1864,179

FY24

-8,0577577,404

FY25

-8,9846848,720

FY26

Operations · YoY (vs a year ago)

—-130%-150%-73%-11%

OperationsInvestingFinancingLine = trend

₹ Cr	FY22	FY23	FY24	FY25	FY26
Cash from operations	6,256	-1,865	-4,662	-8,057	-8,984
Cash from investing	-1,475	176	-1,186	757	684
Cash from financing	-6,684	301	4,179	7,404	8,720
Spent on fixed assets	-14.0	-13.0	-39.3	-49.1	-33.1
Free cash flow	6,242	-1,878	-4,701	-8,106	-9,017
Net cash flow	-1,903	-1,388	-1,669	104	421

Shareholding

Who holds the shares

Promoter and public holding at each quarter end, as filed with NSE.

Holding over time

28.1%Dec 23

28.1%Mar 24

28.1%Jun 24

28.1%Sep 24

28.1%Dec 24

28.1%Mar 25

28.1%Jun 25

28.0%Sep 25

28.0%Dec 25

28.0%Mar 26

28.0%Jun 26

28.0%Sep 26

Promoter & groupPublic

Latest (30 Sep 2026)

28.0%promoter

Promoter & group: 28.01%
Public (FIIs, mutual funds, retail…): 71.99%
Promoter change, last quarter: -0.02 pts

Dividends & news

Latest dividends and announcements

Dividends & corporate actions

Dividend - Rs 8 Per ShareEx 31-Jul-2026
Dividend - Rs 5 Per ShareEx 01-Aug-2025
Rights 29:54@ Premium Rs 265/-Ex 05-Apr-2023
Annual General MeetingEx 26-Aug-2021
Annual General MeetingEx 28-Jul-2020
Annual General Meeting/Dividend - Rs 9 Per ShareEx 19-Jul-2019
Dividend Rs 9/- Per ShareEx 19-Jul-2018
Annual General Meeting/ Dividend - Rs 6/- Per ShareEx 25-Jul-2017

Board meetings

PNB HOUSING FINANCE LIMITED has informed the Exchange about Board Meeting to be held on 28-Oct-2026 to inter-alia consider and approve the Unaudited …28-Oct-2026
the financial results for the period ended September 30, 202628-Oct-2026
Fund raising.07-Sep-2026
Fund Raising and other business matters07-Sep-2026
PNB HOUSING FINANCE LIMITED has informed the Exchange about Board Meeting to be held on 04-Aug-2026 to inter-alia consider and approve the Unaudited …04-Aug-2026

Filings with NSE

Analysts/Institutional Investor Meet/Con. Call Updates2 Nov
Copy of Newspaper Publication29 Oct
Analysts/Institutional Investor Meet/Con. Call Updates28 Oct
Investor Presentation28 Oct
Press Release28 Oct
Outcome of Board Meeting28 Oct
Allotment of Securities23 Oct

Latest news

Buy PNB Housing Finance; target of Rs 1500: Motilal OswalMoneycontrol.com · 12 Nov, 9:54 am With EPS Growth And More, PNB Housing Finance (NSE:PNBHOUSING) Makes An Interesting CaseSimply Wall St · 12 Nov, 7:08 am Stock to buy today: PNB Housing Finance (₹1,150) – BUYBusinessLine · 16 Oct, 12:30 pm PNB Housing Finance shares soar 7% to 52-week high as NII jumps to ₹803 crore in Q1, AUM grows 13% YoY; key detailsUpstox · 4 Aug, 12:30 pm PNB Housing Finance shares fall 3% despite growth in Q2 profit; 3 brokerages say ‘Buy’, see up to 34%...Moneycontrol.com · 29 Oct, 12:30 pm Top 2 stocks to buy for tomorrow: PNB Housing Finance, TVS Motor Company by Chandan Taparia - Check stop-loss, targetsLivemint · 12 Oct, 12:30 pm PNB Housing fixes AGM date, recommends ₹8 dividendscanx.trade · 10 Jul, 1:53 pm PNB Housing Finance (PNBHOUSING) Share Price Falls 2.03% Today: Price Action and Fundamental AnalysisUnivest · 29 Oct, 12:30 pm

About

About PNB Housing Finance Limited

PNB Housing Finance Limited is an Indian housing finance company. It was incorporated in 1988 as a subsidiary of Punjab National Bank (PNB) headquartered in New Delhi. PNB Housing's primary retail provides housing loans & loan against property as a part of its product portfolio and also holds the license to accept public deposits. The company's equity shares are listed on National Stock Exchange of India (NSE) and Bombay Stock Exchange since November 2016.

From Wikipedia (CC BY-SA 4.0).

Company details

Company name: PNB Housing Finance Limited
NSE symbol: PNBHOUSING
BSE scrip code: 540173
ISIN: INE572E01012
Listed on: NSE, BSE
Series: EQ (normal equity)
Listed on NSE since: 7 Nov 2016
Face value: ₹10 per share
Market lot: 1 share
Shares issued: 26.08 crore
Index: NIFTY 500
Sector (NSE): Financial Services
Industry: Finance/Rental/Leasing
Managing director / CEO: Ajai Kumar Shukla
Chair: D. Surendran
Headquarters: New Delhi, IN
Founded: 1988
Employees: 2,966
Financial year: April to March
Results basis: Consolidated
Website: pnbhousing.com

Peers

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Prices from NSE via Upstox. Financials from the company's results filed with NSE (XBRL); ratios are our own working. Profile from global-stock-logos (MIT). For information only, not a recommendation to buy or sell.

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PNB Housing Finance Limited

Today

Ratios

Quarterly results

Revenue and net profit

Profit & loss

Sales, operating profit and net profit

Balance sheet

Equity, debt and assets

Cash flow

Operating, investing and financing cash

Shareholding

Holding over time

Latest (30 Sep 2026)

Dividends & news

Dividends & corporate actions

Board meetings

Filings with NSE

Latest news

About

Company details

Peers