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PNB Housing Finance Ltd

PNBHOUSING Share Price

1,088.200.67% (+7.20)
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With a market cap of ₹28,307 cr, stock is ranked 275

Stock is 2.86x as volatile as Nifty

PNBHOUSING Stock Scorecard

Performance

Avg

Price return has been average, nothing exciting

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹28,307 cr, stock is ranked 275

Stock is 2.86x as volatile as Nifty

PNBHOUSING Performance & Key Metrics

PNBHOUSING Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
14.621.890.46%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.262.531.02%

PNBHOUSING Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
100%
Analysts have suggested that investors can buy this stock

from 11 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

PNBHOUSING Company Profile

PNB Housing Finance Limited provides housing loans to individuals and corporate bodies for construction, purchase, repair and up gradation of houses. It also provides loans for commercial space and loan for purchase of residential plots

Investor Presentation

View older View older 

Apr 28, 2025

PDF
View Older Presentations

PNBHOUSING Similar Stocks (Peers)

Compare with peers Compare with peers 

PNBHOUSING Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
6.14
6.14
1Y Return
22.29%
22.29%
Buy Reco %
48.00
48.00
PE Ratio
21.84
21.84
1Y Return
1.91%
1.91%
Buy Reco %
84.62
84.62
PE Ratio
25.96
25.96
1Y Return
4.77%
4.77%
Buy Reco %
71.43
71.43
PE Ratio
37.69
37.69
1Y Return
32.91%
32.91%
Buy Reco %
87.50
87.50
PE Ratio
12.74
12.74
1Y Return
7.50%
7.50%
Buy Reco %
71.43
71.43
Compare with Peers

PNBHOUSING Sentiment Analysis

PNBHOUSING Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

PNBHOUSING Stock Summary · May 2025

In its recent earnings call, the company showcased robust financial performance, reporting an 18.2% year-on-year growth in its retail loan book, driven by strategic expansions in the Affordable and Emerging markets. With a focus on technology transformation and operational resilience, management emphasized the importance of maintaining asset quality, achieving a gross NPA reduction to 1.08%. Despite challenges such as rising operating expenses and competitive pressures, the outlook remains positive, bolstered by anticipated policy rate cuts and a commitment to enhancing net interest margins. The proactive approach to risk management and a targeted growth strategy aim to position the company favorably in the evolving housing finance landscape, with aspirations to achieve a retail loan book of INR 1,00,000 crores by 2027.

PNBHOUSING Stock Growth Drivers
PNBHOUSING Stock Growth Drivers
8
  • Strong Financial Performance

    PNB Housing Finance has reported significant achievements in its financial performance, including an 18.2% year-over-year

  • Expansion and Market Penetration

    The company has expanded its branch network significantly, opening 51 new branches in Q4 FY'25,

PNBHOUSING Stock Challenges
PNBHOUSING Stock Challenges
5
  • Decline in Affordable Yield

    The company has experienced a significant drop in affordable yield size, which fell by 40

  • Disbursement Momentum Concerns

    There are concerns regarding disbursement momentum, particularly the contributions from different business segments. The balance

PNBHOUSING Forecast

PNBHOUSING Forecasts

Price

Revenue

Earnings

PNBHOUSING

PNBHOUSING

Income

Balance Sheet

Cash Flow

PNBHOUSING Income Statement

PNBHOUSING Income Statement

Industry refers to the sub-sector this company belongs to.
Lower than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of -1.95%, vs industry avg of 2.89%

Increasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 5.17% to 13.64%

Higher than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 24.54%, vs industry avg of 7.13%

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Financial YearFY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue5,489.347,683.228,489.557,624.086,200.736,529.667,057.097,691.637,691.63
Raw Materialssubtract5,149.975,149.97
Power & Fuel Costsubtract
Employee Costsubtract144.14303.88233.06211.29216.61265.96337.34
Selling & Administrative Expensessubtract253.26239.97170.02128.90173.45193.51257.11
Operating & Other expensessubtract3,833.235,373.617,209.616,017.854,673.324,657.844,457.55
Depreciation/Amortizationsubtract24.1331.3765.8559.0153.3951.4451.1955.8955.89
Interest & Other Itemssubtract
Taxes & Other Itemssubtract393.43542.87164.77277.13247.48314.91445.89549.63549.63
EPS41.8159.0631.8845.7741.1251.3365.0574.5274.55
DPS7.457.450.000.000.000.000.005.000.00
Payout ratio0.180.130.000.000.000.000.000.070.00

PNBHOUSING Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2025FY 2025

Annual Report Pending

Investor Presentation

Apr 28PDF
Jan 21PDF
Oct 24PDF
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Jul 24PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

May 18PDF
Jan 24PDF
Oct 27PDF
Jul 28PDF
FY 2022FY 2022

Annual report

PDF

Investor Presentation

Apr 28PDF
Jan 20PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
FY 2018FY 2018

Annual report

PDF
FY 2017FY 2017

Annual report

PDF
 

PNBHOUSING Stock Peers

PNBHOUSING Past Performance & Peer Comparison

PNBHOUSING Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsHome Financing

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
PNB Housing Finance Ltd14.621.890.46%
LIC Housing Finance Ltd6.141.061.65%
Aptus Value Housing Finance India Ltd21.844.351.37%
Aavas Financiers Ltd25.963.95

PNBHOUSING Stock Price Comparison

Compare PNBHOUSING with any stock or ETF
Compare PNBHOUSING with any stock or ETF
PNBHOUSING
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PNBHOUSING Holdings

PNBHOUSING Shareholdings

PNBHOUSING Promoter Holdings Trend

PNBHOUSING Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

PNBHOUSING Institutional Holdings Trend

PNBHOUSING Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Decreased Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has decreased by 2.89%

Tickertape Separator

PNBHOUSING Shareholding Pattern

PNBHOUSING Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding28.10%20.09%9.78%21.44%20.58%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

PNBHOUSING Shareholding History

PNBHOUSING Shareholding History

Dec '23MarJunSepDec '24Mar24.70%25.01%17.89%20.42%24.34%21.44%

Mutual Funds Invested in PNBHOUSING

Mutual Funds Invested in PNBHOUSING

No mutual funds holding trends are available

Top 5 Mutual Funds holding PNB Housing Finance Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
2.0301%0.91%0.25%20/251 (+15)
0.9535%1.67%0.20%58/109 (+7)
0.9150%1.93%0.31%18/79 (+7)

Compare 3-month MF holding change on Screener

PNBHOUSING Insider Trades & Bulk Stock Deals

PNBHOUSING Insider Trades & Bulk Stock Deals

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smallcases containing PNBHOUSING stock

smallcases containing PNBHOUSING stock

Looks like this stock is not in any smallcase yet.

PNBHOUSING Events

PNBHOUSING Events

PNBHOUSING Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

PNBHOUSING Dividend Trend

No dividend trend available

PNBHOUSING Upcoming Dividends

PNBHOUSING Upcoming Dividends

No upcoming dividends are available

PNBHOUSING Past Dividends

PNBHOUSING Past Dividends

Cash Dividend

Ex DateEx DateJul 19, 2019

Final
Final | Div/Share: ₹9.00

Dividend/Share

9.00

Ex DateEx Date

Jul 19, 2019

Cash Dividend

Ex DateEx DateJul 19, 2018

Final
Final | Div/Share: ₹9.00

Dividend/Share

9.00

Ex DateEx Date

Jul 19, 2018

Cash Dividend

Ex DateEx DateJul 25, 2017

Final
Final | Div/Share: ₹6.00

Dividend/Share

6.00

Ex DateEx Date

Jul 25, 2017

PNBHOUSING Stock News & Opinions

PNBHOUSING Stock News & Opinions

Corporate
PNB Housing Finance to hold AGM

PNB Housing Finance announced that the 37th Annual General Meeting(AGM) of the company will be held on 21 August 2025.Powered by Capital Market - Live

4 days agoCapital Market - Live
Corporate
PNB Housing Finance fixes record date for dividend

PNB Housing Finance has fixed 01 August 2025 as record date for the purpose of determining the members eligible to receive dividend for the financial year 2024-25. Powered by Capital Market - Live

4 days agoCapital Market - Live
Corporate
PNB Housing Finance to hold board meeting

PNB Housing Finance will hold a meeting of the Board of Directors of the Company on 2 July 2025.Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
PNB Housing Finance allots Equity shares

PNB Housing Finance has approved the allotment of 83,415 Equity Shares of the Company of face value of Rs.10 each on June 19, 2025, pursuant to the exercise of Options and RSUs by the eligible employees under ESOP Scheme 2018, RSU Scheme 2020 and ESOP Scheme 2022, under distinctive numbers 26,00,50,501 to 26,01,33,915 (both numbers inclusive).Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Corporate
PNB Housing Finance grants 1.08 lakh stock options

PNB Housing Finance has approved on 16 May 2025, the grant of 1,08,000 Options representing 1,08,000 equity shares of Rs 10/- each to certain eligible employees under ESOP Scheme 2018 of the Company. Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Volumes jump at PNB Housing Finance Ltd counter

Nuvoco Vistas Corporation Ltd, Adani Ports & Special Economic Zone Ltd, Godrej Agrovet Ltd, Westlife Foodworld Ltd are among the other stocks to see a surge in volumes on BSE today, 02 May 2025.PNB Housing Finance Ltd notched up volume of 101.64 lakh shares by 10:46 IST on BSE, a 82.5 fold spurt over two-week average daily volume of 1.23 lakh shares. The stock rose 4.72% to Rs.1,057.85. Volumes stood at 59016 shares in the last session.Nuvoco Vistas Corporation Ltd notched up volume of 73821 shares by 10:46 IST on BSE, a 12.07 fold spurt over two-week average daily volume of 6114 shares. The stock rose 8.10% to Rs.345.80. Volumes stood at 2983 shares in the last session.Adani Ports & Special Economic Zone Ltd notched up volume of 8.44 lakh shares by 10:46 IST on BSE, a 4.55 fold spurt over two-week average daily volume of 1.86 lakh shares. The stock rose 5.48% to Rs.1,283.70. Volumes stood at 1.36 lakh shares in the last session.Godrej Agrovet Ltd saw volume of 96277 shares by 10:46 IST on BSE, a 4.36 fold spurt over two-week average daily volume of 22069 shares. The stock dropped 12.05% to Rs.678.70. Volumes stood at 5760 shares in the last session.Westlife Foodworld Ltd saw volume of 4666 shares by 10:46 IST on BSE, a 3.26 fold spurt over two-week average daily volume of 1433 shares. The stock dropped 1.02% to Rs.665.05. Volumes stood at 3035 shares in the last session.Powered by Capital Market - Live

2 months agoCapital Market - Live
Spotlight
PNB Housing spurts after strong Q4 outcome

Net interest income grew by 16.2% YoY and 5.5% QoQ to Rs 734 crore during the quarter. Net Interest Margin stood at 3.75% in Q4 FY25 compared with 3.70% in Q3 FY25 and 3.65% in Q4 FY24. Gross Margin, net of acquisition cost, stood at 4.27% in Q4 FY25. Operating expenditure grew by 18.2% YoY and 2.6% QoQ to Rs 208 crore. Pre-provision operating profit grew by 14.1% YoY and 11.5% QoQ to Rs 646 crore. With recovery from write-off pool, Credit Cost was -32 bps in Q4 FY25 as against -19 bps in Q3 FY25 and 4 bps in Q4 FY24. Annually, PNB Housing Finance's profit after tax is at Rs 1,936 crore compared with Rs 1,508 crore in FY24, registering an increase of 28.4% YoY. Net interest income grew by 9.3% YoY to Rs 2,750 crore. The Net Interest Income for Retail segment grew by 15.0% YoY. Net Interest Margin stood at 3.70% in FY25 compared with 3.74% in FY24. Gross Margin, net of acquisition cost, stood at 4.11% in FY25. Operating expenditure increased by 21.3% YoY to Rs 799 crore in FY25. Pre provision operating profit grew by 9.5% YoY to Rs 2,328 crore during the year. ROA improved by 35 bps YoY at 2.55% in FY25 (annualized). ROE is at 12.19% (annualized) for FY25. Gross Non-Performing Assets stood at 1.08% as on 31st March 2025 compared with 1.19% as on 31st December 2024 and 1.50% as on 31st March 2024. Net NPA stood at 0.69% as on 31st March 2025. NNPA in Retail segment is at 0.70%. The company's CRAR stood at 29.38% as on 31st Mar 2025, of which Tier I capital is 28.39% and Tier II is 0.99% as compared to 29.26% as on 31st Mar 2024, of which Tier I capital is 27.90% and Tier II is 1.36%. The disbursements during FY25 grew by 25% YoY to Rs 21,972 crore. For Q4 FY25, disbursement stood at Rs 6,854 crore registering an increase of 23% YoY and by 27% QoQ. Loan Asset grew by 16% YoY and 5% QoQ to Rs 75,765 crore as on 31st Mar 2025. Asset under Management (AUM) grew by 13% YoY and 5% QoQ to Rs 80,397 crore as on 31st March 2025. The board recommended a dividend of Rs 5 per equity share for FY25. Girish Kousgi, managing director & CEO said: During the Financial Year 2024-25, the Company delivered strong performance across multiple parameters and surpassed its stated guidance for the year on growth, asset quality and profitability. As we progress, we will continue to focus on profitable growth while sustaining the Asset Quality. PNB Housing Finance is promoted by Punjab National Bank and is a registered Housing Finance Company with National Housing Bank (NHB). The company's asset base comprises primarily of retail loans and corporate loans. The retail business focusses on organized mass housing segment financing for acquisition or construction of houses. In addition, it also provides loan against properties and loans for purchase & construction of non-residential premises. PNB Housing Finance is a deposit taking Housing Finance Company. The company has 356 branches/outreach locations as on 31st March 2025. Powered by Capital Market - Live

2 months agoCapital Market - Live
Earnings
PNB Housing Finance consolidated net profit rises 25.30% in the March 2025 quarter

Net profit of PNB Housing Finance rose 25.30% to Rs 550.38 crore in the quarter ended March 2025 as against Rs 439.25 crore during the previous quarter ended March 2024. Sales rose 11.71% to Rs 2021.85 crore in the quarter ended March 2025 as against Rs 1809.95 crore during the previous quarter ended March 2024. For the full year,net profit rose 28.39% to Rs 1936.14 crore in the year ended March 2025 as against Rs 1508.01 crore during the previous year ended March 2024. Sales rose 8.73% to Rs 7665.35 crore in the year ended March 2025 as against Rs 7050.08 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Sales2021.851809.95 12 7665.357050.08 9 OPM %93.4190.59 -92.1988.78 - PBDT725.52573.99 26 2541.662005.09 27 PBT711.21559.81 27 2485.771953.90 27 NP550.38439.25 25 1936.141508.01 28 Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Board of PNB Housing Finance recommends Final Dividend

PNB Housing Finance announced that the Board of Directors of the Company at its meeting held on 28 April 2025, has recommended a Final dividend of Rs.5 per share (i.e.50%), subject to the approval of the shareholders.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
PNB Housing Finance to discuss results

PNB Housing Finance will hold a meeting of the Board of Directors of the Company on 28 April 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of PNB Housing Finance Ltd (PNBHOUSING) today?

    The share price of PNBHOUSING as on 7th July 2025 is ₹1088.20. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on PNB Housing Finance Ltd (PNBHOUSING) share?

    The past returns of PNB Housing Finance Ltd (PNBHOUSING) share are
    • Past 1 week: -2.38%
    • Past 1 month: -3.46%
    • Past 3 months: 17.82%
    • Past 6 months: 22.88%
    • Past 1 year: 37.21%
    • Past 3 years: 293.96%
    • Past 5 years: 513.67%

  3. What are the peers or stocks similar to PNB Housing Finance Ltd (PNBHOUSING)?
  4. What is the dividend yield % of PNB Housing Finance Ltd (PNBHOUSING) share?

    The current dividend yield of PNB Housing Finance Ltd (PNBHOUSING) is 0.46.

  5. What is the market cap of PNB Housing Finance Ltd (PNBHOUSING) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of PNB Housing Finance Ltd (PNBHOUSING) is ₹28307.77 Cr as of 7th July 2025.

  6. What is the 52 week high and low of PNB Housing Finance Ltd (PNBHOUSING) share?

    The 52-week high of PNB Housing Finance Ltd (PNBHOUSING) is ₹1202.20 and the 52-week low is ₹741.25.

  7. What is the PE and PB ratio of PNB Housing Finance Ltd (PNBHOUSING) stock?

    The P/E (price-to-earnings) ratio of PNB Housing Finance Ltd (PNBHOUSING) is 14.62. The P/B (price-to-book) ratio is 1.89.

  8. Which sector does PNB Housing Finance Ltd (PNBHOUSING) belong to?

    PNB Housing Finance Ltd (PNBHOUSING) belongs to the Financials sector & Home Financing sub-sector.

  9. How to buy PNB Housing Finance Ltd (PNBHOUSING) shares?

    You can directly buy PNB Housing Finance Ltd (PNBHOUSING) shares on Tickertape. Simply sign up, connect your demat account and place your order.