PNB Housing Finance Ltd.

₹1,092

-28 (-2.5%)

PNBHOUSING Share Price

Finance

As on October 1, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryHousing Finance Company

Market Cap₹ 28,428.9 Cr

P/E Ratio12.22

Dividend Yield0.07 %

Trendline Performance

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Technicals

Indicators	Value	Signal
5-DMA	1,098.02	Bearish
10-DMA	1,112.29	Bearish
20-DMA	1,133.3	Bearish
50-DMA	1,131.36	Bearish
100-DMA	1,089.37	Bullish
200-DMA	989.88	Bullish

Historical Performance

1 Year

23.8%

3 Years

57.3%

5 Years

108.2%

10 Years

N/A

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022
Other Income	3,972	3,499	1,903	11,284	53
Operating Profit	80,482	70,934	62,681	53,123	52,022
Interest	50,112	45,518	42,630	39,000	40,649
Depreciation	665	559	512	514	534
Profit Before Tax	29,706	24,858	19,539	13,609	10,840
Consolidated Net Profit	22,912	19,361	15,080	10,460	8,365
Adjusted EPS	88	74	58	51	41

Compounded Sales Growth

10 Years:25.8

5 Years:2.4

3 Years:5.6

TTM:2.2

Compounded Profit Growth

10 Years:48.1

5 Years:20.3

3 Years:17.1

TTM:3.6

Stock Price CAGR

10 Years:N/A

5 Years:15.8

3 Years:16.3

TTM:23.8

Return on Equity

10 Years:26.2

5 Years:40.4

3 Years:58.8

last year:89.3

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-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022
Share Capital	2,605	2,599	2,597	1,689	1,686
Total Reserves	1,89,065	1,65,523	1,46,682	1,07,948	96,475
Minority Interest	---	---	---	---	---
Total Non-Current Liabilities	4,83,325	4,07,060	3,32,287	4,71,095	4,55,765
Total Liabilities	9,40,710	8,31,018	7,27,948	6,68,248	6,56,905
Capital Work in Progress	14	47	54	1	---
Total Assets	9,40,710	8,31,018	7,27,948	6,68,248	6,56,905

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a moderate PE of 12.22, suggesting fair valuation relative to earnings.
Over the last three years, the stock delivered a moderate 3-year price CAGR of 13.7%, reflecting average market performance.
The stock carries a high beta of 1.5, implying higher volatility and elevated risk.
In the last financial year, the company reported an EBITDA of ₹80828 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹85112 million, indicating a large and established business.

Investment Calculator

Investment Amount:₹

Investment Amount: ₹ 1000000

Current Value: ₹ 1229660.5

No. of Shares: 1126 (Approx)

Performance:23%

229660.5

NIFTY Performance: -9.7%

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