PNB Housing Finance Ltd

PNB Housing Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

PNB Housing Finance Ltd

₹ 1,010 -1.96%
30 Apr - close price
pnbhousing.com BSE: 540173 NSE: PNBHOUSING
About

PNB Housing Finance offers retail customers housing and non-housing loans, including individual home loans, loan against property, non-resident property loan, among others. It is promoted by Punjab National Bank. [1]

Key Points

Service Offerings
The company provides loans to purchase, construct, repair, and upgrade houses. It also provides loans for commercial space, loans against property, and loans for purchasing residential plots. [1]

Website BSE NSE
  • Market Cap ₹ 26,251 Cr.
  • Current Price ₹ 1,010
  • High / Low ₹ 1,202 / 616
  • Stock P/E 13.5
  • Book Value ₹ 648
  • Dividend Yield 0.00 %
  • ROCE 9.45 %
  • ROE 12.3 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 23.3% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -2.08% over past five years.
  • Company has a low return on equity of 11.6% over last 3 years.
  • Promoter holding has decreased over last 3 years: -4.47%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

Part of Nifty 500 BSE SmallCap BSE Allcap Nifty Smallcap 100 BSE 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
1,414 1,404 1,672 1,787 1,627 1,699 1,766 1,748 1,801 1,813 1,868 1,923 2,030
Interest 931 930 964 997 1,008 1,048 1,058 1,087 1,070 1,097 1,119 1,158 1,178
247 149 356 409 261 187 190 206 156 153 130 149 125
Financing Profit 237 325 352 381 358 464 519 455 575 563 619 615 726
Financing Margin % 17% 23% 21% 21% 22% 27% 29% 26% 32% 31% 33% 32% 36%
0 1 -1 0 1 0 2 3 5 9 2 2 15
Depreciation 14 13 13 13 13 13 11 13 14 13 14 14 14
Profit before tax 223 313 338 369 346 451 509 445 566 559 607 603 727
Tax % 24% 24% 22% 26% 18% 22% 24% 22% 22% 21% 22% 22% 22%
170 238 263 272 283 353 384 347 444 439 472 471 567
EPS in Rs 6.56 9.19 10.14 10.50 10.90 13.59 14.81 13.34 17.09 16.89 18.15 18.14 21.82
Gross NPA % 7.61% 6.35% 6.05% 4.86% 3.83% 3.76% 1.78% 1.73% 1.50% 1.35% 1.24% 1.19%
Net NPA % 4.49% 4.26% 3.59% 3.22% 2.76% 2.58% 1.19% 1.14% 0.95% 0.92% 0.84% 0.80%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
1,120 1,780 2,698 3,908 5,488 7,481 8,478 7,565 6,141 6,491 7,014 7,633
Interest 802 1,265 1,860 2,644 3,537 5,167 5,876 5,101 4,066 3,901 4,264 4,553
136 213 320 442 693 708 1,719 1,234 964 1,173 737 557
Financing Profit 183 303 518 822 1,258 1,606 884 1,230 1,111 1,416 2,013 2,523
Financing Margin % 16% 17% 19% 21% 23% 21% 10% 16% 18% 22% 29% 33%
-0 -0 1 0 0 4 7 15 5 2 10 28
Depreciation 3 8 15 19 24 31 66 59 53 51 51 56
Profit before tax 179 294 503 804 1,235 1,578 825 1,187 1,063 1,367 1,972 2,496
Tax % 28% 34% 35% 35% 32% 31% 17% 22% 23% 23% 23% 22%
130 194 326 524 842 1,081 682 925 822 1,056 1,527 1,949
EPS in Rs 9.45 9.95 16.73 20.57 32.90 42.01 26.39 35.78 31.72 40.70 58.81 74.98
Dividend Payout % 15% 16% 13% 19% 18% 14% 0% 0% 0% 0% 0% 7%
Compounded Sales Growth
10 Years: 16%
5 Years: -2%
3 Years: 8%
TTM: 9%
Compounded Profit Growth
10 Years: 26%
5 Years: 23%
3 Years: 33%
TTM: 28%
Stock Price CAGR
10 Years: %
5 Years: 44%
3 Years: 48%
1 Year: 27%
Return on Equity
10 Years: 12%
5 Years: 11%
3 Years: 12%
Last Year: 12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 66 104 127 166 167 167 168 168 169 169 260 260
Reserves 868 1,475 2,019 5,412 6,402 7,268 7,779 8,699 9,632 10,784 14,673 16,574
Borrowing 10,108 16,481 26,014 35,497 53,777 71,859 67,736 59,394 52,961 53,621 55,017 62,360
498 976 1,511 1,885 2,673 4,456 3,191 3,072 2,888 2,231 2,422 3,303
Total Liabilities 11,540 19,035 29,671 42,960 63,018 83,750 78,874 71,333 65,649 66,805 72,371 82,497
26 40 58 58 255 102 250 181 150 146 206 250
CWIP 3 18 4 2 10 5 4 2 4 3 15 5
Investments 645 1,586 1,622 3,280 2,413 4,457 2,048 2,033 3,472 3,188 4,345 3,381
10,865 17,392 27,987 39,620 60,340 79,185 76,572 69,117 62,024 63,468 67,804 78,861
Total Assets 11,540 19,035 29,671 42,960 63,018 83,750 78,874 71,333 65,649 66,805 72,371 82,497

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-3,627 -6,791 -9,664 -12,406 -15,664 -16,626 8,911 6,566 6,216 -1,772 -4,644 -8,120
-15 -37 -20 -17 -50 -53 -62 5 -1,476 174 -1,193 757
3,604 6,850 9,804 12,322 18,464 17,888 -4,362 -8,177 -6,732 301 4,179 7,404
Net Cash Flow -38 22 120 -101 2,751 1,209 4,486 -1,606 -1,992 -1,297 -1,659 41

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 17% 15% 18% 14% 14% 15% 9% 11% 9% 10% 12% 12%

Shareholding Pattern

Numbers in percentages

1 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
32.57% 32.57% 32.53% 32.52% 28.15% 28.14% 28.13% 28.13% 28.13% 28.11% 28.11% 28.10%
23.96% 23.24% 23.64% 24.29% 24.77% 24.81% 24.70% 25.00% 17.89% 20.42% 24.34% 21.45%
2.38% 3.28% 2.98% 3.65% 7.60% 7.72% 7.86% 6.88% 10.95% 22.17% 26.85% 29.88%
41.09% 40.90% 40.85% 39.53% 39.48% 39.32% 39.32% 39.98% 43.04% 29.29% 20.69% 20.57%
No. of Shareholders 1,20,5921,19,9971,18,1471,08,2691,20,1931,19,6311,24,6561,33,1771,62,9381,58,7991,83,4821,82,070

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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