PNB Housing Finance Ltd (PNBHOUSING) share price, results, shareholding

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	1,766	1,748	1,801	1,813	1,868	1,923	2,030	2,064	2,168	2,110	2,170	2,252
Interest	1,058	1,087	1,070	1,097	1,119	1,158	1,178	1,235	1,267	1,253	1,246	1,339
Expenses	190	206	156	153	130	149	125	136	84	174	49	185
Financing Profit	519	455	575	563	619	615	726	693	816	683	874	728
Financing Margin %	29%	26%	32%	31%	33%	32%	36%	34%	38%	32%	40%	32%
Other Income	2	3	5	9	2	2	15	7	4	2	-9	3
Depreciation	11	13	14	13	14	14	14	15	16	16	19	16
Profit before tax	509	445	566	559	607	603	727	686	804	669	846	715
Tax %	24%	22%	22%	21%	22%	22%	22%	22%	22%	22%	23%	22%
Net Profit	384	347	444	439	472	471	567	532	626	521	649	554
EPS in Rs	14.81	13.34	17.09	16.89	18.15	18.14	21.82	20.44	24.05	20.00	24.90	21.28
Gross NPA %	1.78%	1.73%	1.50%	1.35%	1.24%	1.19%	1.08%	1.06%	1.04%	1.04%	0.93%	0.95%
Net NPA %	1.19%	1.14%	0.95%	0.92%	0.84%	0.80%	0.69%	0.69%	0.69%	0.68%	0.57%	0.58%

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	2,698	3,908	5,488	7,481	8,478	7,565	6,141	6,491	7,016	7,651	8,500	8,700
Interest	1,860	2,644	3,537	5,167	5,876	5,100	4,066	3,901	4,264	4,553	5,002	5,106
Expenses	320	442	693	708	1,719	1,235	964	1,173	737	557	442	493
Financing Profit	518	822	1,258	1,606	884	1,230	1,111	1,416	2,015	2,542	3,057	3,101
Financing Margin %	19%	21%	23%	21%	10%	16%	18%	22%	29%	33%	36%	36%
Other Income	1	0	0	4	7	15	5	2	7	10	13	-1
Depreciation	15	19	24	31	66	59	53	51	51	56	66	68
Profit before tax	503	804	1,235	1,578	825	1,187	1,063	1,367	1,972	2,496	3,004	3,033
Tax %	35%	35%	32%	31%	17%	22%	23%	23%	23%	22%	22%
Net Profit	326	524	842	1,081	682	925	822	1,056	1,527	1,949	2,328	2,351
EPS in Rs	16.73	20.57	32.90	42.01	26.39	35.78	31.72	40.70	58.81	74.98	89.34	90.23
Dividend Payout %	13%	19%	18%	14%	0%	0%	0%	0%	0%	7%	9%

	10 Years	5 Years	3 Years	TTM	1 Year	Last Year
Compounded Sales Growth	12%	2%	9%	10%
Compounded Profit Growth	22%	20%	30%	15%
Stock Price CAGR	%	16%	17%		27%
Return on Equity	12%	12%	12%			13%

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	104	127	166	167	167	168	168	169	169	260	260	261
Reserves	1,475	2,019	5,412	6,402	7,268	7,779	8,699	9,632	10,784	14,673	16,574	18,965
Borrowing	16,481	26,014	35,497	53,777	71,859	67,736	59,394	53,005	53,621	55,017	62,310	71,199
Other Liabilities	976	1,511	1,885	2,673	4,456	3,191	3,072	2,844	2,231	2,422	3,353	3,109
Total Liabilities	19,035	29,671	42,960	63,018	83,750	78,874	71,333	65,649	66,805	72,371	82,497	93,533
Fixed Assets	40	58	58	255	102	250	181	150	146	206	239	273
CWIP	18	4	2	10	5	4	2	4	3	15	16	6
Investments	1,586	1,622	3,280	2,413	4,457	2,048	2,033	3,472	3,188	4,345	3,381	2,777
Other Assets	17,392	27,987	39,620	60,340	79,185	76,572	69,117	62,024	63,468	67,804	78,861	90,477
Total Assets	19,035	29,671	42,960	63,018	83,750	78,874	71,333	65,649	66,805	72,371	82,497	93,533

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-6,791	-9,664	-12,406	-15,664	-16,626	8,911	6,731	6,218	-1,772	-4,644	-8,120	-8,973
Cash from Investing Activity	-37	-20	-17	-50	-53	-62	-6	-1,476	174	-1,193	757	736
Cash from Financing Activity	6,850	9,804	12,322	18,464	17,888	-4,362	-8,331	-6,684	301	4,179	7,404	8,720
Net Cash Flow	22	120	-101	2,751	1,209	4,486	-1,606	-1,942	-1,297	-1,659	41	483
Free Cash Flow	-6,828	-9,684	-12,423	-15,713	-16,679	8,849	6,725	6,203	-1,786	-4,683	-8,168	-9,005
CFO/OP	-427%	-399%	-350%	-317%	-238%	137%	111%	127%	-28%	-68%	-109%	-104%

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	15%	18%	14%	14%	15%	9%	11%	9%	10%	12%	12%	13%

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	28.14%	28.13%	28.13%	28.13%	28.11%	28.11%	28.10%	28.08%	28.04%	28.04%	28.04%	28.03%
FIIs	24.81%	24.70%	25.00%	17.89%	20.42%	24.34%	21.45%	24.18%	18.61%	17.22%	16.60%	16.81%
DIIs	7.72%	7.86%	6.88%	10.95%	22.17%	26.85%	29.88%	37.99%	40.68%	43.02%	44.07%	45.71%
Government	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.02%	0.02%	0.02%
Public	39.32%	39.32%	39.98%	43.04%	29.29%	20.69%	20.57%	9.74%	12.65%	11.69%	11.28%	9.42%
No. of Shareholders	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	1,92,512	1,71,742

Fundamentals

Market Cap₹ 28,641 Cr.

Current Price₹ 1,098

Stock P/E12.2

Book Value₹ 738

ROCE9.44 %

ROE12.9 %

Dividend Yield0.73 %

Face Value₹ 10.0

Compounded Sales Growth (TTM)10%

Compounded Profit Growth (TTM)15%

Standalone figures.

Valuation

Market capRs 28,452 Cr

Enterprise valueRs 96,412 Cr

P/E (TTM)12.10x

Price to book1.48x

Price to sales3.27x

EV / EBITDA11.75x

EV / EBIT11.85x

EV / sales11.08x

Earnings yield8.26%

Dividend yield0.73%

P/E, 3-year average10.31x

P/B, 3-year average1.16x

P/E, 5-year average8.82x

P/B, 5-year average0.93x

Profitability

Operating margin (excl. other income)94.80%

Operating margin (incl. other income)94.96%

EBITDA margin94.33%

Pre-tax margin34.86%

Net profit margin27.02%

Net margin, latest quarter24.62%

ROE12.91%

ROCE9.44%

ROA2.64%

ROE, 3-year average12.33%

ROCE, 3-year average9.39%

ROA, 3-year average2.45%

ROE, 5-year average11.19%

ROCE, 5-year average8.85%

ROA, 5-year average2.03%

ROIC (approx.)7.23%

Tax rate22.50%

Other income / net worth0.07%

Growth

Sales growth (latest year)11.10%

Profit growth (latest year)19.44%

Sales CAGR, 3 years9.41%

Sales CAGR, 5 years2.36%

Profit CAGR, 3 years30.14%

Profit CAGR, 5 years20.27%

Sales growth QoQ3.81%

Profit growth QoQ-14.52%

Sales growth YoY (latest quarter)9.14%

Profit growth YoY (latest quarter)4.28%

Per share

EPS (TTM)Rs 90.22

EPS (latest year)Rs 89.34

EPS (latest quarter)Rs 21.28

EPS, 3-year averageRs 74.38

EPS, 5-year averageRs 66.89

Book value per shareRs 737.89

Sales per shareRs 333.90

Cash flow per shareRs -344.37

Free cash flow per shareRs -345.62

Dividend per share (latest year)Rs 8.00

Dividend per share, 3-year averageRs 6.50

Dividend per share, 5-year averageRs 6.50

Dividends

Dividend payout8.95%

Dividend payout, 3-year average7.81%

Dividend payout, 5-year average7.81%

Efficiency

Asset turnover0.09x

Fixed asset turnover31.10x

Debtor days2 days

Debtors turnover180.28x

Leverage

Total debtRs 71,199 Cr

Cash and bankRs 3,239 Cr

Net debtRs 67,960 Cr

Debt to equity3.70x

Net debt / EBITDA8.28x

Interest coverage1.59x

Owners' fund to total sources20.55%

Debt to assets76.12%

Cash flow

Cash from Operating Activity (latest year)Rs -8,973 Cr

Cash from Investing Activity (latest year)Rs 736 Cr

Cash from Financing Activity (latest year)Rs 8,720 Cr

Net Cash Flow (latest year)Rs 483 Cr

Free cash flow (latest year)Rs -9,005 Cr

FCFE (approx.: FCF + change in debt)Rs -116 Cr

Cash from ops / profit, 5 years-2.25x

Statement figures

Net sales (TTM)Rs 8,700 Cr

Net sales (latest year)Rs 8,500 Cr

Sales (latest quarter)Rs 2,252 Cr

Operating profit excl. other income (latest year)Rs 8,059 Cr

Operating profit (latest quarter)Rs 2,067 Cr

Other income (TTM)Rs -1 Cr

EBITDA (TTM)Rs 8,207 Cr

PBDT (TTM)Rs 3,101 Cr

Profit before tax (TTM)Rs 3,033 Cr

Tax (latest year)Rs 676 Cr

Net profit (TTM)Rs 2,351 Cr

Net profit (latest year)Rs 2,328 Cr

Net profit (latest quarter)Rs 554 Cr

Depreciation (TTM)Rs 68 Cr

Depreciation (latest quarter)Rs 16 Cr

Interest (TTM)Rs 5,106 Cr

Cost of goods sold (latest year)Rs 102 Cr

Total expenditure (latest year)Rs 442 Cr

Total income (latest year)Rs 8,514 Cr

Share capitalRs 261 Cr

ReservesRs 18,965 Cr

Shareholders' fundsRs 19,226 Cr

Total assetsRs 93,533 Cr

Net blockRs 273 Cr

Capital work in progressRs 6 Cr

InvestmentsRs 2,777 Cr

ReceivablesRs 47 Cr

Other liabilitiesRs 3,109 Cr

Shares outstanding (crore)26.05

Ownership

Promoter holding28.03% (-0.05 in a year)

Computed by MarketFriction from the standalone statements. Returns use average balances.

P/E 12.1 is at the 25th percentile of its own 9.4-year range (median 14.8, low 3.9, high 81.3).

P/B 1.48 is at the 42th percentile (median 1.54).

Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.

Period	PNBHOUSING	Nifty 50	Difference
1 week	-0.2%	-2.8%	+2.6 pts
1 month	-5.2%	-6.8%	+1.6 pts
3 months	+2.6%	-7.6%	+10.2 pts
6 months	+44.6%	+0.4%	+44.2 pts
1 year	+20.3%	-9.9%	+30.2 pts
2 years	+7.8%	-13.6%	+21.3 pts
3 years	+57.3%	+14.2%	+43.2 pts
5 years	+72.5%	+27.9%	+44.6 pts

215 mutual fund schemes hold about ₹10,680 Cr. Over three months 85 bought more and 48 sold (share counts, price move removed).

Fund	Weight	Est. Cr	3m shares
Nippon India Small Cap Fund	0.66%	545	+4%
ICICI Pru Focused Fund	2.67%	480	-3%
Bandhan Small Cap Fund	1.36%	464	-10%
HSBC Value Fund	2.66%	409	+4%
Axis Small Cap Fund	1.24%	389	+14%
Aditya Birla SL Large Cap Fund	1.17%	347	+10%
HSBC Small Cap Fund	1.80%	343	+1%
Canara Rob Small Cap Fund	2.31%	338	+3%
DSP Small Cap Fund	1.35%	293	-2%
HDFC Multi Cap Fund	1.33%	276	+6%
Franklin India Small Cap Fund	1.83%	270	-9%
Kotak Arbitrage Fund(M	0.32%	242	+112%
Aditya Birla SL PSU Equity Fund	3.70%	225	+7%
ICICI Pru Banking & Fin Serv Fund	1.86%	211	-6%
ICICI Pru Banking & Fin Serv Fund	1.86%	209	-6%
DSP ELSS Tax Saver Fund	1.24%	207	+7%
SBI PSU Fund	3.04%	204	+100%
360 ONE Focused Fund	2.70%	183	+61%
Edelweiss Small Cap Fund	2.34%	169	+9%
Nippon India Banking & Financial Services Fund	2.02%	160	+40%
Aditya Birla SL Value Fund	2.22%	153	+3%
HDFC Large & Mid Cap Fund	0.47%	143	+4%
Franklin India Mid Cap Fund	1.06%	138	-12%
Sundaram Services Fund	2.50%	132	+1%
Sundaram Services Fund	2.50%	129	+1%

Red flags

F-score 4 of 8

explain	Weak cash conversion Cash from operations was -374% of net profit over the last 3 years
explain	High accruals Profit exceeded operating cash by 12% of total assets in 2026

Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Insider trades

NSE insider and takeover-code disclosures

Date	Who	Role	Side	Shares	Value	How
2021-06-22	Jasbir Singh	-	sell	430	Rs 0.03 Cr	Market Sale
2021-06-22	Pankaj Jain	-	sell	2,500	Rs 0.18 Cr	Market Sale
2021-06-22	Bhaskara Satyanarayana	-	sell	1,000	Rs 0.07 Cr	Market Sale
2021-06-22	Umesh Bhati	-	sell	3,292	Rs 0.24 Cr	Market Sale
2021-06-22	Ravi Shankar Arora	-	sell	3,500	Rs 0.26 Cr	Market Sale
2021-06-22	Manoj Kumar	-	sell	2,628	Rs 0.19 Cr	Market Sale
2021-06-22	Nitant Desai	-	sell	982	Rs 0.07 Cr	Market Sale
2021-06-22	Mukesh Agarwal	-	sell	200	Rs 0.01 Cr	Market Sale
2021-06-22	Ritu Marathe	-	sell	1,528	Rs 0.11 Cr	Market Sale
2021-06-18	Manoj Kumar	Employees/Designated Employe	sell	1,500	Rs 0.11 Cr	Market Sale
2021-06-18	Ritu Marathe	-	sell	3,134	Rs 0.23 Cr	Market Sale
2021-06-17	Nitant Desai	Employees/Designated Employe	sell	13,000	Rs 0.94 Cr	Market Sale

Latest disclosed trades by insiders, promoters and large holders. Grants, option exercises and pledges show as "other". A filing is a fact, not a signal on its own.

Latest quarter

Jun 2026

Revenue ₹2,252 Cr +9.1% vs Jun 2025. Net profit ₹554 Cr +4.1%.

Activity

Compare

Company	Mcap (Cr)	P/E	ROCE
Bajaj Housing Finance Ltd	67,709	25.0	8.85 %
Piramal Finance Ltd	50,343	112	6.47 %
LIC Housing Finance Ltd	30,171	5.26	8.59 %
Aadhar Housing Finance Ltd	18,960	16.4	11.4 %
Sammaan Capital Ltd	15,853		4.92 %
Aptus Value Housing Finance India Ltd	11,686	11.9	15.4 %
Home First Finance Company India Ltd	11,443	19.7	11.1 %
AAVAS Financiers Ltd	9,899	14.4	9.92 %
Can Fin Homes Ltd	9,743	8.62	9.14 %
India Shelter Finance Corporation Ltd	6,986	13.2	12.9 %
Repco Home Finance Ltd	2,161	4.49	10.1 %
GIC Housing Finance Ltd	723	4.60	7.71 %
SRG Housing Finance Ltd	221	6.46	11.8 %
Reliance Home Finance Ltd	76		-432 %
Ind Bank Housing Ltd	51	13.0	-1.11 %

No bulk or block deals on record.

Ex-date	Action	Factor
2026-07-31	Dividend - Rs 8 Per Share
2025-08-01	Dividend - Rs 5 Per Share
2023-04-05	Rights 29:54@ Premium Rs 265/-
2021-08-26	Annual General Meeting
2020-07-28	Annual General Meeting
2019-07-19	Annual General Meeting/Dividend - Rs 9 Per Share
2018-07-19	Dividend Rs 9/- Per Share
2017-07-25	Annual General Meeting/ Dividend - Rs 6/- Per Share

Date	Type	What it says
2026-09-25	Credit Rating	Credit Rating
2026-09-23	Concall / analyst meet	Analysts or institutional investors meet - Outcome
2026-09-23	Resignation	Resignation of Director/KMP/SMP
2026-09-23	Change in Management	Change in Management
2026-09-21	Concall / analyst meet	Analysts or institutional investors meet - Outcome
2026-09-21	Updates	Change in role Senior Management Personnel.
2026-09-17	Concall / analyst meet	Schedule of meet
2026-09-17	Allotment	Allotment of 50000 NCDs.
2026-09-15	Concall / analyst meet	Schedule of meet
2026-09-07	Board meeting outcome	Outcome of Board Meeting held on September 07, 2026.
2026-09-07	Board meeting outcome	Outcome of Board Meeting held on September 07, 2026.
2026-09-04	Concall / analyst meet	Analysts or institutional investors meet - Outcome
2026-09-03	Concall / analyst meet	Analysts or institutional investors meet - Outcome
2026-09-03	General Updates	Announcement Under Regulation 30 (LODR) Regulations - Intimation of ESG Rating
2026-08-31	Concall / analyst meet	Schedule of meet
2026-08-29	Resignation	Resignation of Director/KMP/SMP
2026-08-29	Change in Management	Change in Management
2026-08-27	Concall / analyst meet	Schedule of meet
2026-08-25	Credit Rating	Credit Rating
2026-08-24	Concall / analyst meet	Analysts or institutional investors meet - Update
2026-08-21	Concall / analyst meet	Analysts or institutional investors meet - Outcome
2026-08-20	ESOP	Allotment of 213990 Shares.
2026-08-20	Credit Rating	Credit Rating
2026-08-19	Concall / analyst meet	Schedule of meet
2026-08-18	Concall / analyst meet	Analysts or institutional investors meet - Outcome

Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.

Put / call open interest0.69

Max pain (expiry 2026-10-27)1,100

Largest call open interest at1,140

Largest put open interest at1,100

Implied volatility, at the money33.8%

Underlying at snapshot1,092.00

Open interest by strike around the price, nearest expiry. End-of-day NSE snapshot, 01-Oct-2026 15:40:00. Max pain is the strike where option buyers together would lose the most at expiry.

Trade date	Shares sold short
2026-09-30	88
2026-09-29	6,697

Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.

Order date	Forum	Case
2021-08-12	NCLT	PNB HOUSING FINANCE LTD. Vs M/S JAI
2021-08-04	NCLT	PNB Housing Finance Ltd. Vs M/s. Star Realcon Pvt. Ltd.
2021-07-30	NCLT	PNB Housing Finance Ltd. Vs M/s. Tulsiani Constructions & Developers Ltd
2021-07-30	NCLT	PNB Housing Finance Ltd. Vs Mr. Nitin Kumar Gupta
2021-07-28	NCLT	PNB Housing Finanace Ltd Vs Mr. Raghunath Rai
2021-07-28	NCLT	PNB Housing Finance Ltd. Vs Mr. Nitin Kumar Gupta

Orders from NCLT, NCLAT and CESTAT naming the company. Click a row for the order.

Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of PNB Housing Finance Ltd?

PNB Housing Finance Ltd (PNBHOUSING) has a market capitalisation of Rs 28,641 Cr. at the 2026-10-01 close.

What is the P/E ratio of PNB Housing Finance Ltd?

PNB Housing Finance Ltd trades at a P/E of 12.2 on trailing twelve-month profit, at the 2026-10-01 close.

What were PNB Housing Finance Ltd's latest quarterly results?

In the Jun 2026 quarter, PNB Housing Finance Ltd revenue was Rs 2,252 Cr (+9.1% vs Jun 2025) and net profit was Rs 554 Cr.

What is the 52-week high and low of PNB Housing Finance Ltd?

The 52-week high is Rs 1,211.50 and the 52-week low is Rs 729.60.