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Banking And Finance | Mid Cap
Health Score : 7.23PNB Housing Finance Ltd shows a mixed financial performance. The company excels in growth and efficiency, demonstrating strong revenue and profit increases, as well as efficient asset utilization. Liquidity is exceptionally high, indicating a robust ability to meet short-term obligations. Profitability metrics such as gross profit margin, return on capital employed, and net margin are also strong. However, the company faces challenges in solvency, with high debt levels relative to equity and assets. Coverage ratios are also weak, suggesting potential difficulties in meeting interest obligations. Financial ratios are average, influenced by low capital expenditure and moderate earnings per share. Overall, PNB Housing Finance exhibits high growth and profitability but needs to address its debt and coverage challenges to ensure long-term financial stability.
Health Score : 7.23PNB Housing Finance Ltd shows a mixed financial performance. The company excels in growth and efficiency, demonstrating strong revenue and profit increases, as well as efficient asset utilization. Liquidity is exceptionally high, indicating a robust ability to meet short-term obligations. Profitability metrics such as gross profit margin, return on capital employed, and net margin are also strong. However, the company faces challenges in solvency, with high debt levels relative to equity and assets. Coverage ratios are also weak, suggesting potential difficulties in meeting interest obligations. Financial ratios are average, influenced by low capital expenditure and moderate earnings per share. Overall, PNB Housing Finance exhibits high growth and profitability but needs to address its debt and coverage challenges to ensure long-term financial stability.
Overall Valuation Score
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Price Movement Indicator
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P/E RATIO (TTM)
12.90
Industry Median
11.04
Mid Cap Median
20.04
P/E RATIO
13.10
P/B RATIO
1.56
Industry Median
1.46
Mid Cap Median
2.31
P/S RATIO
3.91
Industry Median
3.91
Mid Cap Median
5.07
Others
PEG RATIO
0.00
EV/EBITDA RATIO
12.58
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹1152 as on Sep 1, 2026.
Growth Score : 10.00PNB Housing Finance Ltd exhibits exceptional growth across various metrics. Strong revenue growth, operating profit growth, earnings per share growth, asset growth and net income growth suggests that the company is expanding its operations and improving its profitability effectively. This robust growth indicates a positive trajectory and strong market positioning. Maintaining this growth momentum will be critical for future success.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -18.52 | 5.34 | 8.06 | 8.96 | 10.67 |
| Operating Profit Growth Rate | -9.36 | 24.45 | 41.91 | 26.69 | 19.8 |
| Earnings Per Share (EPS) Growth | -10.23 | 24.88 | 44.03 | 28.3 | 18.06 |
| Asset Growth Rate | -7.93 | 1.74 | 8.27 | 13.97 | 13.32 |
| Net Income Growth Rate | -10.11 | 25.12 | 44.17 | 28.38 | 18.34 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤25th Apr 26
Q4 & FY 25-26 Earnings Conference Call
BULLISH SENTIMENT
Quarterly Report⬤20th Apr 26
Consolidated Financial Results – Q4 & FY Ended March 31, 2026
UNDEFINED SENTIMENT
No Stock News Available at This Moment.
PNB Housing Finance Ltd. is an Indian housing finance company, a subsidiary of Punjab National Bank, providing housing loans to individuals and corporate bodies. Its core business involves offering various home loans for purchase, construction, repair, and renovation, alongside loans against property across diverse customer segments.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. PNB Housing Finance Ltd's P/E ratio (TTM) is 12.90, compared to the industry median of 11.04 and large cap median of 20.04.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. PNB Housing Finance Ltd's P/B ratio is 1.56, compared to the industry median of 1.46 and large cap median of 2.31.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. PNB Housing Finance Ltd's P/S ratio is 3.91, compared to the industry median of 3.91 and large cap median of 5.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. PNB Housing Finance Ltd's PEG ratio is 0.46.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. PNB Housing Finance Ltd's EV/EBITDA ratio is 12.58.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. PNB Housing Finance Ltd's ROE is 11.92%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. PNB Housing Finance Ltd's ROA is 3.25%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. PNB Housing Finance Ltd's ROCE is 41.47%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. PNB Housing Finance Ltd's operating margin is 35.71%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. PNB Housing Finance Ltd's net margin is 26.94%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. PNB Housing Finance Ltd's current ratio is 29.23.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. PNB Housing Finance Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. PNB Housing Finance Ltd's interest coverage ratio is 1.59.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. PNB Housing Finance Ltd's DPS is ₹7.91.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. PNB Housing Finance Ltd's EPS is 18.06.
(Source line: "Ratios as of 24 Oct 2026, based on last traded price of ₹1152. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1988
Headquarters: New Delhi, Delhi
Core Offerings: Housing Loans, Loans Against Property (LAP), Construction Finance, Lease Rental Discounting, Home Renovation Loans
Stock Listing: NSE (PNBHOUSING), BSE (540173)
Promoter: Punjab National Bank
PNB Housing Finance Ltd. was incorporated in 1988 as a subsidiary of Punjab National Bank. It received its Certificate of Registration from the National Housing Bank (NHB) in 1992. The company successfully went public with an IPO in 2016, listing on both NSE and BSE. Over the years, it expanded its retail network and achieved significant AUM milestones. In recent times, the company has focused on strengthening its balance sheet, improving asset quality, and raising capital, including a rights issue in 2022, while continuing its core lending operations.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Housing Finance & Loan Against Property | 100% | N/A (Company-wide EBITDA) |
Housing Loans: Offers a range of loan products for individuals and corporates for the purchase, construction, extension, and renovation of residential properties, catering to both salaried and self-employed segments.
Loans Against Property (LAP): Provides secured loans against residential or commercial properties to meet diverse financial needs such as business expansion, working capital, or personal liquidity requirements.
Construction Finance: Extends financing solutions to real estate developers for residential and commercial projects, supporting the development of affordable and premium housing.
Girish Kousgi (MD & CEO): Appointed in October 2022, he brings over 26 years of experience in the financial services sector, having held key leadership positions at Can Fin Homes Ltd and ICICI Bank. Suresh Narayan Singh (Non-Executive Chairman): Appointed in 2023, he is a former Chief General Manager of Punjab National Bank.
No major subsidiaries reported.
2022: Rights Issue of ₹2,500 Crores to strengthen capital base and support growth initiatives.
The PNB Housing Finance Ltd share price today is ₹1152 on NSE (PNBHOUSING), as of 24 Oct 2026.
As of 24 Oct 2026, PNB Housing Finance Ltd share price is ₹1152, with previous close ₹1152. Today's range is ₹1152 to ₹1152. The 52-week range is ₹N/A to ₹N/A.
As of today, PNB Housing Finance Ltd's market cap is ₹33,235.2 crore (Large Cap).
PNB Housing Finance Ltd's current P/E ratio is 12.90, compared to the BANKING AND FINANCE sector average of 24.50.
PNB Housing Finance Ltd's current P/B ratio is 1.56.
PNB Housing Finance Ltd's current dividend yield is 0.69%. Last dividend of ₹0.00 per share was declared on N/A.
PNB Housing Finance Ltd's EPS (TTM) is ₹18.06.
PNB Housing Finance Ltd. is an Indian housing finance company, a subsidiary of Punjab National Bank, providing housing loans to individuals and corporate bodies. Its core business involves offering various home loans for purchase, construction, repair, and renovation, alongside loans against property across diverse customer segments.
PNB Housing Finance Ltd is promoted by Punjab National Bank, holding 28.04% as of 24 Oct 2026.
PNB Housing Finance Ltd is listed on NSE (PNBHOUSING) and BSE (540173). Its next quarterly results are expected on Late July / Early August 2024 (for Q1 FY25).
Capital Expenditures (CapEx)