PNB Housing Finance Ltd

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

PNB Housing Finance Ltd

₹ 1,052 0.73%
29 Jun 10:11 a.m.
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 ₹ 27,411 Cr.
  • Current Price ₹ 1,052
  • High / Low ₹ 1,129 / 730
  • Stock P/E 11.8
  • Book Value ₹ 738
  • Dividend Yield 0.48 %
  • ROCE 10.6 %
  • ROE 12.9 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 20.2% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 2.38% over past five years.
  • Company has a low return on equity of 12.4% over last 3 years.
  • Promoter holding has decreased over last 3 years: -4.48%
  • Working capital days have increased from 155 days to 679 days

* 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

Financial Services Financial Services Finance Housing Finance Company

Part of BSE 500 Nifty 500 Nifty Smallcap 100 BSE Financial Services BSE SmallCap Select Index

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
1,627 1,699 1,766 1,748 1,801 1,813 1,868 1,923 2,030 2,064 2,168 2,110 2,170
Interest 1,008 1,048 1,058 1,087 1,070 1,097 1,119 1,158 1,178 1,235 1,267 1,253 1,246
261 187 190 206 156 153 130 149 125 136 84 174 49
Financing Profit 358 464 519 455 575 563 619 615 726 693 816 683 874
Financing Margin % 22% 27% 29% 26% 32% 31% 33% 32% 36% 34% 38% 32% 40%
1 0 2 3 5 9 2 2 15 7 4 2 -9
Depreciation 13 13 11 13 14 13 14 14 14 15 16 16 19
Profit before tax 346 451 509 445 566 559 607 603 727 686 804 669 846
Tax % 18% 22% 24% 22% 22% 21% 22% 22% 22% 22% 22% 22% 23%
283 353 384 347 444 439 472 471 567 532 626 521 649
EPS in Rs 10.90 13.59 14.81 13.34 17.09 16.89 18.15 18.14 21.82 20.44 24.05 20.00 24.90
Gross NPA % 3.83% 3.76% 1.78% 1.73% 1.50% 1.35% 1.24% 1.19% 1.08% 1.06% 1.04% 1.04% 0.93%
Net NPA % 2.76% 2.58% 1.19% 1.14% 0.95% 0.92% 0.84% 0.80% 0.69% 0.69% 0.69% 0.68% 0.57%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
1,780 2,698 3,908 5,488 7,481 8,478 7,565 6,141 6,491 7,016 7,651 8,511
Interest 1,265 1,860 2,644 3,537 5,167 5,876 5,100 4,066 3,901 4,264 4,553 5,002
213 320 442 693 708 1,719 1,235 964 1,173 737 557 443
Financing Profit 303 518 822 1,258 1,606 884 1,230 1,111 1,416 2,015 2,542 3,067
Financing Margin % 17% 19% 21% 23% 21% 10% 16% 18% 22% 29% 33% 36%
-0 1 0 0 4 7 15 5 2 7 10 3
Depreciation 8 15 19 24 31 66 59 53 51 51 56 66
Profit before tax 294 503 804 1,235 1,578 825 1,187 1,063 1,367 1,972 2,496 3,004
Tax % 34% 35% 35% 32% 31% 17% 22% 23% 23% 23% 22% 22%
194 326 524 842 1,081 682 925 822 1,056 1,527 1,949 2,328
EPS in Rs 9.95 16.73 20.57 32.90 42.01 26.39 35.78 31.72 40.70 58.81 74.98 89.34
Dividend Payout % 16% 13% 19% 18% 14% 0% 0% 0% 0% 0% 7% 9%
Compounded Sales Growth
10 Years: 12%
5 Years: 2%
3 Years: 9%
TTM: 11%
Compounded Profit Growth
10 Years: 22%
5 Years: 20%
3 Years: 30%
TTM: 19%
Stock Price CAGR
10 Years: %
5 Years: 13%
3 Years: 23%
1 Year: -6%
Return on Equity
10 Years: 12%
5 Years: 12%
3 Years: 12%
Last Year: 13%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 104 127 166 167 167 168 168 169 169 260 260 261
Reserves 1,475 2,019 5,412 6,402 7,268 7,779 8,699 9,632 10,784 14,673 16,574 18,965
Borrowing 16,481 26,014 35,497 53,777 71,859 67,736 59,394 53,005 53,621 55,017 62,310 53,143
976 1,511 1,885 2,673 4,456 3,191 3,072 2,844 2,231 2,422 3,353 21,164
Total Liabilities 19,035 29,671 42,960 63,018 83,750 78,874 71,333 65,649 66,805 72,371 82,497 93,533
40 58 58 255 102 250 181 150 146 206 239 278
CWIP 18 4 2 10 5 4 2 4 3 15 16 1
Investments 1,586 1,622 3,280 2,413 4,457 2,048 2,033 3,472 3,188 4,345 3,381 2,777
17,392 27,987 39,620 60,340 79,185 76,572 69,117 62,024 63,468 67,804 78,861 90,477
Total Assets 19,035 29,671 42,960 63,018 83,750 78,874 71,333 65,649 66,805 72,371 82,497 93,533

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-6,791 -9,664 -12,406 -15,664 -16,626 8,911 6,731 6,218 -1,772 -4,644 -8,120 -8,973
-37 -20 -17 -50 -53 -62 -6 -1,476 174 -1,193 757 736
6,850 9,804 12,322 18,464 17,888 -4,362 -8,331 -6,684 301 4,179 7,404 8,720
Net Cash Flow 22 120 -101 2,751 1,209 4,486 -1,606 -1,942 -1,297 -1,659 41 483
Free Cash Flow -6,828 -9,684 -12,423 -15,713 -16,679 8,849 6,725 6,203 -1,786 -4,683 -8,168 -9,005
CFO/OP -427% -399% -350% -317% -238% 137% 111% 127% -28% -68% -109% -48%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 15% 18% 14% 14% 15% 9% 11% 9% 10% 12% 12% 13%

Insights

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Affordable Segment Branches
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Affordable Segment Loan Asset
INR Crore
Average Yield
%
Cost of Borrowing
%
Gross Non-Performing Assets (GNPA)
%
Retail Loan Asset
INR Crore
Total Branches
Number
Average Ticket Size - Individual Housing Loan
INR Lac
Live Loan Accounts
Number

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Shareholding Pattern

Numbers in percentages

2 Recently
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
28.15% 28.14% 28.13% 28.13% 28.13% 28.11% 28.11% 28.10% 28.08% 28.04% 28.04% 28.04%
24.77% 24.81% 24.70% 25.00% 17.89% 20.42% 24.34% 21.45% 24.18% 18.61% 17.22% 16.60%
7.60% 7.72% 7.86% 6.88% 10.95% 22.17% 26.85% 29.88% 37.99% 40.68% 43.02% 44.07%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.02% 0.02%
39.48% 39.32% 39.32% 39.98% 43.04% 29.29% 20.69% 20.57% 9.74% 12.65% 11.69% 11.28%
No. of Shareholders 1,20,1931,19,6311,24,6561,33,1771,62,9381,58,7991,83,4821,82,0701,87,5262,24,1831,99,9301,92,512

* 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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