PNB Housing Finance Ltd.

₹1,047

13.3 (1.3%)

PNBHOUSING Share Price

Finance

As on April 27, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryHousing Finance Company

Market Cap₹ 27,362 Cr

P/E Ratio13.96

Dividend Yield0.05 %

Trendline Performance

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Technicals

Indicators	Value	Signal
5-DMA	1,011.55	Bullish
10-DMA	949.52	Bullish
20-DMA	882.38	Bullish
50-DMA	840.05	Bullish
100-DMA	875.5	Bullish
200-DMA	884.68	Bullish

Historical Performance

1 Year

7.7%

3 Years

134.8%

5 Years

235.2%

10 Years

N/A

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Other Income	1,565	1,903	11,284	53	202
Operating Profit	70,934	62,681	53,123	52,022	63,670
Interest	45,518	42,630	39,000	40,649	51,009
Depreciation	559	512	514	534	590
Profit Before Tax	24,858	19,539	13,609	10,840	12,070
Consolidated Net Profit	19,361	15,080	10,460	8,365	9,299
Adjusted EPS	74	58	51	41	46

Compounded Sales Growth

10 Years:33.8

5 Years:-2.1

3 Years:4.4

TTM:1.7

Compounded Profit Growth

10 Years:58.6

5 Years:23.4

3 Years:18.8

TTM:5

Stock Price CAGR

10 Years:N/A

5 Years:27.3

3 Years:32.9

TTM:6.2

Return on Equity

10 Years:21.3

5 Years:45.5

3 Years:51.8

last year:75

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Share Capital	2,599	2,597	1,689	1,686	1,683
Total Reserves	1,65,523	1,46,682	1,07,948	96,475	86,815
Minority Interest	---	---	---	---	---
Total Non-Current Liabilities	4,07,060	3,32,287	4,71,095	4,55,765	5,07,140
Total Liabilities	8,31,018	7,27,948	6,68,248	6,56,905	7,09,626
Capital Work in Progress	47	54	1	---	---
Total Assets	8,31,018	7,27,948	6,68,248	6,56,905	7,09,626

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a moderate PE of 13.96, suggesting fair valuation relative to earnings.
Over the last three years, the stock delivered a strong 3-year price CAGR of 32.9%, indicating sustained price appreciation.
The stock carries a high beta of 1.4, implying higher volatility and elevated risk.
In the last financial year, the company reported an EBITDA of ₹71045 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹76328 million, indicating a large and established business.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 1061597

No. of Shares: 1014 (Approx)

Performance:6.2%

P/L: ₹61597

NIFTY Performance: -1%

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