PNB Housing Finance Limited
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.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 17.5%
Concerns0
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ7.65 K Cr | β | βΉ1.95 K Cr | β | β | β | 9.1% | 27.6% |
| Mar 2024 | βΉ7.02 K Cr | β | βΉ1.53 K Cr | β | β | β | 8.1% | 44.6% |
| Mar 2023 | βΉ6.49 K Cr | β | βΉ1.06 K Cr | β | β | β | 5.7% | 28.5% |
| Mar 2022 | βΉ6.14 K Cr | β | βΉ822.00 Cr | β | β | β | -18.8% | -11.1% |
| Mar 2021 | βΉ7.57 K Cr | β | βΉ925.00 Cr | β | β | β | -10.8% | 35.6% |
| Mar 2020 | βΉ8.48 K Cr | β | βΉ682.00 Cr | β | β | β | 13.3% | -36.9% |
| Mar 2019 | βΉ7.48 K Cr | β | βΉ1.08 K Cr | β | β | β | 36.3% | 28.4% |
| Mar 2018 | βΉ5.49 K Cr | β | βΉ842.00 Cr | β | β | β | 40.4% | 60.7% |
| Mar 2017 | βΉ3.91 K Cr | β | βΉ524.00 Cr | β | β | β | 44.8% | 60.7% |
| Mar 2016 | βΉ2.70 K Cr | β | βΉ326.00 Cr | β | β | β | 51.6% | 68.0% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 8,184 |
| Finance Costs | 4,839 |
| Total Expenses | 494 |
| Financing Profit | 2,852 |
| Financing Margin % | 35% |
| Other Income | 28 |
| Depreciation & Amortisation | 60 |
| Profit Before Tax | 2,820 |
| Tax % | - |
| Net Profit / PAT | 2,197 |
| EPS (βΉ) | 84.45 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| PNB Housing Finance Limitedthis co. | βΉ25.22 K Cr | βΉ7.65 K Cr | 11.50 | 1.41 | 0.00 | 9.1% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |