PNB Housing FIN Ltd.
NSE: PNBHOUSING · Housing Finance Company · sector
₹1,086.00NSE close 2026-10-26
Key numbers
Market cap₹28,300 cr
Price₹1,086.00
52w high / low₹1,225 / ₹730
P/E12.0xSector median 12.6x
P/B1.5xSector median 1.2x
Book value₹737.8
Dividend yield0.46%Sector median 1.29%
ROE13.0%Sector median 12.9%
ROA2.51%Sector median 2.52%
Gross NPA–
Net NPA–
CET1–
Sales growth 3y+9.5%Sector median +10.7%
Profit growth 3y+30.1%Sector median +17.7%
PEG0.96x
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 19 companies in Housing Finance Company (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- Dividend paid in 1 of the last 5 financial years.
- Price ₹1,086.00 on 2026-10-26: -11.3% from the 52-week high, +48.8% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹1,185.00 · low ₹750.75
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 1,868 | 1,923 | 2,030 | 2,064 | 2,168 | 2,110 | 2,170 | 2,252 |
| Net interest income | 1,868 | 1,923 | 2,030 | 2,064 | 2,168 | 2,110 | 2,170 | 2,252 |
| Other income | 2 | 2 | 15 | 7 | 4 | 2 | -9 | 3 |
| Net profit | 472 | 471 | 567 | 532 | 626 | 521 | 649 | 554 |
| EPS (₹) | 18.16 | 18.14 | 21.82 | 20.45 | 24.06 | 20.00 | 24.90 | 21.28 |
| Revenue YoY | +16.1% | +9.7% | +6.9% | +9.1% | ||||
| Profit YoY | +32.8% | +10.5% | +14.4% | +4.3% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 6,141 | 6,491 | 7,014 | 7,633 | 8,511 | 8,700 |
| Net profit | 822 | 1,056 | 1,527 | 1,949 | 2,328 | 2,351 |
| EPS (₹) | 48.78 | 62.62 | 59.12 | 75.02 | 89.41 | 90.24 |
| Revenue growth | +5.7% | +8.1% | +8.8% | +11.5% | +10.3% | |
| Profit growth | +28.5% | +44.6% | +27.6% | +19.4% | +15.1% | |
| Dividend / share (₹) | – | – | – | – | 5.00 |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | +9.5% | +2.4% | +10.3% |
| Net profit | +30.1% | +20.3% | +15.1% |
| EPS | +12.6% | +10.2% | – |
| Share price | – | +11.9% (2y) | +30.9% |
Balance sheet
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Shareholders' equity | – | 10,953 | 14,932 | 16,834 | 19,226 |
| Borrowings | – | 31,175 | 28,667 | 35,555 | 43,543 |
| Cash & equivalents | – | 3,693 | 2,499 | 3,465 | 3,239 |
| Total assets | – | 66,805 | 72,371 | 82,497 | 93,533 |
| Fixed assets | – | 132 | 66 | 82 | 241 |
| Capital work in progress | – | 0 | 5 | 5 | 1 |
| Inventory | – | 0 | 0 | 0 | 0 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Cash from operations | 6,218 | -1,772 | -4,644 | -8,120 | -8,873 |
| Cash from investing | -1,476 | 174 | -1,193 | 757 | 636 |
| Cash from financing | -6,684 | 301 | 4,179 | 7,404 | 8,720 |
| Capex | 15 | 13 | 39 | 49 | 33 |
| Free cash flow | 6,203 | -1,785 | -4,683 | -8,168 | -8,906 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| ROE % | – | 9.6% | 10.2% | 11.6% | 12.1% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 28.01% |
| FIIs | 14.19% |
| DIIs | 49.29% |
| of which Mutual funds | 36.46% |
| of which Insurance | 7.87% |
| Government | 0.00% |
| Public (non-institutions) | 8.51% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 28.11% | 28.10% | 28.08% | 28.04% | 28.04% | 28.04% | 28.03% | 28.01% |
| Promoter group | % |
|---|---|
| Punjab National Bank | 28.01% |
| Assam Gramin Bank | 0.00% |
| Bihar Gramin Bank | 0.00% |
| Himachal Pradesh Gramin Bank | 0.00% |
| Manipur Rural bank | 0.00% |
| Punjab Gramin Bank | 0.00% |
| Haryana Gramin Bank | 0.00% |
| Tripura Gramin Bank | 0.00% |
| West Bengal Gramin Bank | 0.00% |
| PNB Metlife India Insurance Company Limited | 0.00% |
| PNB Gilts Limited | 0.00% |
| PNB Investment Services Limited | 0.00% |
| PNB Insurance Broking Private Limited | 0.00% |
| PNB (International) Limited | 0.00% |
| PNB Cards and Services Limited | 0.00% |
| Public holders above 1% | % |
|---|---|
| Aditya Birla Sun Life Mutual Fund - Aditya Birla Sun Life Large Cap Fund | 4.13% |
| Hsbc Mutual Fund - Hsbc Value Fund | 3.42% |
| Icici Prudential Focus Equity Fund | 3.19% |
| Nippon Life India Trustee Ltd-A/C Nippon India Small Cap Fund | 2.88% |
| Sbi Life Insurance Co. Ltd | 2.69% |
| Pi Opportunities Aif V Llp | 2.41% |
| Hdfc Mutual Fund - Hdfc Multi Cap Fund | 2.32% |
| Axis Mutual Fund Trustee Limited A/C Axis Mutual Fund A/C Axis Small Cap Fund | 2.29% |
| Canara Robeco Mutual Fund A/C Canara Robeco Small Cap Fund | 2.29% |
| Dsp Small Cap Fund | 2.03% |
| Bandhan Small Cap Fund | 1.74% |
| Sbi Psu Fund | 1.48% |
| Franklin India Small Cap Fund | 1.37% |
| Tata Aia Life Insurance Co Ltd-Whole Life Mid Cap Equity Fund-Ulif 009 04/01/07 Wle 110 | 1.33% |
| Edelweiss Trusteeship Co Ltd Ac- Edelweiss Mf Ac-Edelweiss Small Cap Fund | 1.31% |
1,63,963 shareholders. Pledged: – of promoter shares.
Peers in Housing Finance Company
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | ₹65,449 cr | 23.3x | 2.7x | 12.4% | 1.96% | – | – | – |
| PNBHOUSING | ₹28,300 cr | 12.0x | 1.5x | 13.0% | 2.51% | – | +9.5% | 0.46% |
| LICHSGFIN | ₹27,377 cr | 4.8x | 0.7x | 14.8% | 1.76% | – | +8.3% | 2.01% |
| AADHARHFC | ₹19,295 cr | 16.8x | 2.6x | 16.4% | 4.16% | – | – | – |
| HOMEFIRST | ₹10,578 cr | 18.1x | 2.4x | 16.9% | 3.83% | – | +34.3% | 0.36% |
| APTUS | ₹9,912 cr | 13.6x | 2.3x | 18.1% | 7.65% | – | +16.9% | 2.27% |
| CANFINHOME | ₹9,666 cr | 8.4x | 1.5x | 19.4% | 2.52% | – | +15.4% | 1.79% |
| SAMMAANCAP | ₹9,363 cr | – | 0.5x | -35.9% | -10.78% | – | +0.7% | 0.00% |
| AAVAS | ₹8,929 cr | 13.0x | 1.8x | 14.6% | 3.24% | – | +18.6% | – |
| INDIASHLTR | ₹6,777 cr | 12.8x | 2.1x | 17.9% | 5.50% | – | – | 0.79% |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2026-07-31 | Dividend | Dividend - Rs 8 Per Share |
| 2025-08-01 | Dividend | Dividend - Rs 5 Per Share |
| 2023-04-05 | Rights | Rights 29:54@ Premium Rs 265/- |
| 2021-08-26 | Other | Annual General Meeting |
| 2020-07-28 | Other | Annual General Meeting |
| 2019-07-19 | Dividend | Annual General Meeting/Dividend - Rs 9 Per Share |
| 2018-07-19 | Dividend | Dividend Rs 9/- Per Share |
| 2017-07-25 | Dividend | Annual General Meeting/ Dividend - Rs 6/- Per Share |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Annual report FY23
- Annual report FY22
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Financial and Insurance Service:
| Sector | Financial Services |
| Industry | Housing Finance Company |
| Sub-industry | Housing Finance Company |
| Symbol | PNBHOUSING |
| BSE code | 540173 |
| ISIN | INE572E01012 |
| Face value | ₹10.0 |
| Incorporated | 1988-11-11 |
| Website | www.pnbhousing.com |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.