PNB Housing Finance Limited
₹1,059.20-₹48.80 (-4.4%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹25,224 Cr
- P/E
- 11.5x
- Revenue
- ₹7,651 Cr
- ROCE
- 12.6%
Price chart
Technical chartScreen technicals →+13.3% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -5.7%
- 3M
- +2.6%
- 6M
- +1.3%
- 1Y
- +13.3%
- 5Y
- +110.7%
52-week range
Day change -₹48.80 (-4.4%) from ₹1,108 to ₹1,059 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in PNBHOUSING, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 17.5%
Concerns1
- Negative free cash flow (₹7363 Cr)
Rule-based from financial data. Not advice.
About the company
PNB Housing Finance Limited operates as a housing finance company in India. It provides loans to individuals and corporate bodies for purchase, construction, repair, and up-gradation of houses/flats/commercial properties, etc.; residential plot loans and loans for NRIs; loan against property, lease rental discounting, and loans for real estate developers; and home loans and fixed deposit products. The company was incorporated in 1988 and is based in Gurugram, India.
- Sector
- Financial Services
- Shares outstanding
- 26.0 Cr shares
- ISIN
- INE572E01012
- BSE code
- 540173
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹25,224 Cr
- P/E
- 11.5x
- P/B
- 1.4x
- Earnings yield
- 8.7%
- 52-week high
- ₹1,222.00
- 52-week low
- ₹750.40
Profitability
- ROE
- 11.6%
- ROCE
- 12.6%
- Dividend payout
- 0.0%
- Tax rate
- 23.0%
- Other income, % of PBT
- 0.4%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹7,651 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 9.1%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -3.7%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹7.00 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 250.0%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 27.6%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 17.5%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹4,644 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 162.1%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹41.0 Cr
Solvency and efficiency
- CFO / Net profit
- -3.04
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹25 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹4,553 Cr |
| Revenue | Expenses | ₹556 Cr |
| Revenue | Financing profit | ₹2,542 Cr |
| Financing profit | Depreciation | ₹56 Cr |
| Financing profit | Profit before tax | ₹2,486 Cr |
| Other income | Profit before tax | ₹10 Cr |
| Profit before tax | Tax and other | ₹547 Cr |
| Profit before tax | Net profit | ₹1,949 Cr |
Revenue and net profit
Revenue grew 9.1% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹7,565 Cr | ₹925 Cr |
| FY2022 | ₹6,141 Cr | ₹822 Cr |
| FY2023 | ₹6,491 Cr | ₹1,056 Cr |
| FY2024 | ₹7,016 Cr | ₹1,527 Cr |
| FY2025 | ₹7,651 Cr | ₹1,949 Cr |
Cash flows
FY2025: -₹8,120 Cr from operations, -₹7,363 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹6,731 Cr | ₹6,725 Cr |
| FY2022 | ₹6,218 Cr | ₹4,742 Cr |
| FY2023 | -₹1,772 Cr | -₹1,598 Cr |
| FY2024 | -₹4,644 Cr | -₹5,837 Cr |
| FY2025 | -₹8,120 Cr | -₹7,363 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹7,651 Cr+9.1%1Y
- Net profit
- ₹1,949 Cr+27.6%1Y
- Cash from operations
- -₹8,120 Cr
- Free cash flow
- -₹7,363 Cr
- Revenue CAGR, 5Y
- -3.7%
- EBITDA CAGR, 5Y
- 0.0%
- Net profit CAGR, 5Y
- 17.5%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹7,651 Cr | ₹2,542 Cr | — | ₹1,949 Cr | -₹8,120 Cr | -₹7,363 Cr | — | +9.1% | +27.6% |
Monthly returns
Month-by-month returns of PNBHOUSING across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹82,497 Cr |
| Equity capital | ₹260 Cr |
| Reserves | ₹16,574 Cr |
| Borrowings | ₹62,310 Cr |
| Other liabilities | ₹3,353 Cr |
| Assets | ₹82,497 Cr |
| Fixed assets | ₹239 Cr |
| Capital work in progress | ₹16 Cr |
| Investments | ₹3,381 Cr |
| Other assets | ₹78,861 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
PNBHOUSING trades at 11.5x earnings against a peer median of 26.9x (a 57% discount).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| PNB Housing Finance LimitedPNBHOUSINGthis companyP/E ↓ discount | ₹25,224 Cr | 11.5x | 1.4x | 11.6% | — |
| IIFL FINANCE LIMITEDIIFL | ₹27,083 Cr | 68.1x | 3.9x | -6.3% | — |
| Star Health and Allied Insurance Company LimitedSTARHEALTH | ₹26,410 Cr | 49.5x | 3.5x | 9.2% | 22.3x |
| Anand Rathi Wealth LimitedANANDRATHI | ₹26,202 Cr | 72.4x | 31.5x | 42.0% | 81.7x |
| Manappuram Finance LimitedMANAPPURAM | ₹26,070 Cr | 15.9x | 2.1x | 15.1% | — |
| Nuvama Wealth Management LimitedNUVAMA | ₹25,811 Cr | 51.4x | 12.9x | 30.9% | 103.2x |
| The New India Assurance Company LimitedNIACL | ₹24,649 Cr | 21.4x | 0.9x | 3.5% | 13.1x |
| Aditya Birla Sun Life AMC LimitedABSLAMC | ₹23,756 Cr | 24.5x | 6.7x | 25.0% | 22.9x |
| Bandhan Bank LimitedBANDHANBNK | ₹23,103 Cr | 18.8x | 0.9x | 11.2% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
PNBHOUSING since 1 January, against earlier years.
Historical volatility
PNBHOUSING's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 16.0% |
| FY2022 | 18.0% |
| FY2023 | 22.0% |
| FY2024 | 29.0% |
| FY2025 | 33.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹7,651 Cr |
| Costs | |
| Interest | ₹4,553 Cr |
| Expenses | ₹557 Cr |
| Financing profitFinancing Profit | ₹2,542 Cr |
| Financing marginFinancing Margin % | 33.0% |
| Other income and charges | |
| Profit before tax | ₹2,496 Cr |
| Tax | |
| Net profitNet Profit | ₹1,949 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹82,497 Cr |
| Equity capitalEquity Capital | ₹260 Cr |
| Reserves | ₹16,574 Cr |
| BorrowingsBorrowing | ₹62,310 Cr |
| Other liabilitiesOther Liabilities | ₹3,353 Cr |
| AssetsTotal Assets | ₹82,497 Cr |
| Fixed assetsFixed Assets | ₹239 Cr |
| Capital work in progressCWIP | ₹16 Cr |
| Investments | ₹3,381 Cr |
| Other assetsOther Assets | ₹78,861 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹8,120 Cr |
| Investing cash flowCash from Investing Activity | ₹757 Cr |
| Financing cash flowCash from Financing Activity | ₹7,404 Cr |
| Change in cashNet Cash Flow | ₹41 Cr |
Learn while you research
Academy chapters picked for PNB Housing Finance Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Value InvestingA P/E of 11.5 could be a value opportunity, or a value trap. Know the difference.7 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read