PNB Housing Finance Ltd.

NSE: PNBHOUSING · Financial Services

₹1,100.20+0.02%06 Nov 2026

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Instant answers about PNB Housing Finance Ltd. — computed from its filings, no language model

Market cap₹28,693 cr

Current price₹1,100.20

High / Low₹1,225 / ₹751

P/E—

P/B—

Book value—

ROE—

ROCE—

Debt / equity—

Dividend yield0.45%

EPS (TTM)—

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

showing latest 6 of 7 periods

	FY20	FY21	FY22	FY23	FY24	FY25	FY26
Total income	8,490	7,624	6,201	6,530	7,057	7,692	8,505
Tax	165	277	247	315	446	550	679
Operating cash flow	—	—	6,256	-1,865	-4,662	-8,057	-8,984
Capex	—	—	14	13	39	49	33
Dividend paid	—	—	0	0	0	0	130
Total assets	78,930	71,392	65,730	66,874	72,405	82,520	93,512
Equity	7,998	8,923	9,872	—	—	—	—

Quarterly performance

last 29 quarters · ₹ crore

showing latest 8 of 29 periods

	SEP '18	DEC '18	DEC '19	MAR '20	JUN '20	SEP '20	DEC '20	MAR '21	JUN '21	SEP '21	DEC '21	MAR '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	1,808	2,078	2,075	1,952	1,872	2,022	1,896	1,834	1,693	1,586	1,496	1,426	1,683	1,797	1,638	1,708	1,779	1,756	1,814	1,832	1,880	1,943	2,037	2,082	2,131	2,121	2,172	2,265	2,424
Other income	0	1	0	5	2	6	10	2	1	3	0	0	-1	0	2	0	2	1	4	9	1	1	15	6	3	2	-10	2	1
Tax	119	139	61	-85	72	82	61	61	72	56	65	54	78	98	63	99	124	102	121	121	135	132	161	154	178	148	199	161	180
Revenue YoY	—	—	-0.2%	—	—	—	-8.6%	-6.0%	-9.6%	-21.5%	-21.1%	-22.3%	6.1%	20.1%	14.9%	—	5.7%	-2.3%	10.8%	7.3%	5.6%	10.7%	12.3%	13.6%	13.4%	9.1%	6.6%	8.8%	13.8%

Earlier results (standalone, Sep '16 – Jun '18)

₹ crore · from BSE, before the NSE XBRL filings begin

PNB Housing Finance Ltd. reports consolidated figures above. Quarterly consolidated results only became mandatory in India in 2019, so the earlier history available is the standalone company only (excluding subsidiaries). It is shown separately so the two bases are never mixed.

Full years

	FY18†
Total income	5,516
Pre-provision op. profit	4,833
Operating margin	87.6%
Other income	1
Interest	3,531
Depreciation	24
Profit before tax	1,279
Tax	448
Net profit	831

Quarters

	SEP '16†	DEC '16†	MAR '17†	JUN '17†	SEP '17†	DEC '17†	MAR '18†	JUN '18†
Total income	970	999	1,076	1,192	1,316	1,438	1,570	1,616
Pre-provision op. profit	207	208	924	1,041	1,161	1,266	1,366	1,452
Operating margin	21.4%	20.8%	85.9%	87.3%	88.2%	88.0%	87.0%	89.9%
Other income	0	—	0	0	0	0	0	0
Interest	—	673	678	753	836	925	1,017	1,100
Depreciation	—	—	5	5	5	7	7	7
Profit before tax	207	208	242	283	319	334	343	346
Tax	70	70	89	98	111	116	122	111
Net profit	138	138	152	185	208	217	220	235
EPS ₹	10.85	9.18	9.20	11.12	12.49	13.05	13.08	14.06
Revenue YoY	—	—	—	—	35.6%	44.0%	45.9%	35.5%
Profit YoY	—	—	—	—	51.1%	57.8%	44.7%	27.2%

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 21 periods

	SEP '20	DEC '20	MAR '21	JUN '21	SEP '21	DEC '21	MAR '22	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Asset turnover	0.10	0.10	0.11	0.10	0.10	0.09	0.09	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.09	0.10	0.10	0.10	0.09	0.09	0.09

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 14 periods

	MAR '18‡	MAR '19‡	MAR '20‡	MAR '21‡	MAR '22‡	SEP '22	MAR '23	SEP '23	MAR '24	SEP '24	MAR '25	SEP '25	MAR '26	SEP '26
Share capital	167	167	168	168	169	—	—	—	—	—	—	—	—	—
Reserves	6,401	7,376	7,830	8,755	9,703	—	—	—	—	—	—	—	—	—
Total equity	6,567	7,544	7,998	8,923	9,872	—	—	—	—	—	—	—	—	—
Deposits	11,340	14,023	16,132	16,746	17,649	17,367	17,214	16,789	17,758	17,646	17,642	18,255	18,055	17,704
Borrowings	42,437	57,836	51,603	42,646	35,356	28,919	31,175	29,427	28,667	28,313	35,555	36,375	43,543	48,396
Total assets	63,014	83,869	78,930	71,392	65,730	64,465	66,874	70,313	72,405	75,178	82,520	85,756	93,512	1,01,638
Advances	57,165	74,288	66,628	60,645	55,336	—	—	—	—	—	—	—	—	—
Investments	2,413	4,561	2,076	2,045	3,483	3,344	3,196	4,164	4,346	3,637	3,381	3,116	2,779	3,708
Fixed assets	58	78	105	82	71	—	—	—	—	—	—	—	—	—
Cash & bank balances	2,817	4,034	8,514	6,969	5,216	—	—	—	—	—	—	—	—	—

Cash flow

annual · ₹ crore · line = free cash flow

showing latest 5 of 9 periods

	FY18‡	FY19‡	FY20‡	FY21‡	FY22	FY23	FY24	FY25	FY26
Cash from operations	-15,664	-16,617	8,928	6,611	6,256	-1,865	-4,662	-8,057	-8,984
Cash from investing	-50	-54	-63	21	-1,475	176	-1,186	757	684
Cash from financing	18,464	17,888	-4,386	-8,178	-6,684	301	4,179	7,404	8,720
Capex	42	59	64	8	14	13	39	49	33
Free cash flow	-15,706	-16,676	8,865	6,604	6,242	-1,878	-4,701	-8,106	-9,017
Dividends paid	120	182	182	—	0	0	0	0	130

Where the assets sit

Sep '26 · ₹ crore

Investments

₹3,708 cr4%

Other assets

₹97,930 cr96%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
PNB Housing Finance Ltd.	28,693	1,100.20	—	—	—

StoxGud checklist: Neutral setup · 4/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month-2.7%

6 months+4.6%

1 year+17.2%

3Y CAGR+13.8%

5Y CAGR+22.8%

10Y CAGR+4.1%

50-day avg₹1,132.98

200-day avg₹1,011.39

RSI (14)35

Compare PNB Housing Finance Ltd. with

LIC Housing Finance vs PNB Housing Finance Tata Investment Corporation vs PNB Housing Finance PNB Housing Finance vs Central Depository Services (India)PNB Housing Finance vs Central Bank of India

FAQs

What is the share price of PNB Housing Finance Ltd.?

PNB Housing Finance Ltd. (PNBHOUSING) closed at ₹1,100.20 on NSE on 06 Nov 2026.

What is the market cap of PNB Housing Finance Ltd.?

₹28,693 crore at the latest close.

How fast is PNB Housing Finance Ltd. growing?

PNB Housing Finance Ltd.: revenue has compounded at 9.2% a year over three years. Latest-quarter revenue is up 13.8% year on year.

How profitable is PNB Housing Finance Ltd.?

Profitability ratios for PNB Housing Finance Ltd. aren't available yet.

How much debt does PNB Housing Finance Ltd. have?

Debt to equity isn't meaningful for PNB Housing Finance Ltd. (banks borrow as part of their business) or isn't filed yet.

Financials parsed from PNB Housing Finance Ltd.'s own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from SEP '18, annual from FY20, balance sheet from Mar '18. * = derived (full year or half year minus earlier quarters). ‡ = balance sheet / cash flow read from the company's published annual report (same basis), for years before the NSE filings carry them; each one checked to add up. Information only, not investment advice.