PNB Housing Finance Ltd

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

PNB Housing Finance Ltd

₹ 904 2.45%
05 Dec - 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 ₹ 23,546 Cr.
  • Current Price ₹ 904
  • High / Low ₹ 1,142 / 746
  • Stock P/E 11.0
  • Book Value ₹ 690
  • Dividend Yield 0.55 %
  • ROCE 9.44 %
  • ROE 12.2 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 24.5% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -1.95% over past five years.
  • Company has a low return on equity of 11.4% over last 3 years.
  • Company might be capitalizing the interest cost
  • Promoter holding has decreased over last 3 years: -4.53%

* 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 BSE SmallCap Nifty Smallcap 100 BSE Allcap

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
1,684 1,797 1,636 1,708 1,778 1,755 1,810 1,823 1,879 1,942 2,022 2,076 2,128
Interest 964 996 1,008 1,048 1,057 1,087 1,070 1,097 1,118 1,158 1,178 1,234 1,267
366 421 275 201 204 216 170 168 143 155 133 145 88
Financing Profit 355 379 353 459 517 452 570 559 618 629 711 697 773
Financing Margin % 21% 21% 22% 27% 29% 26% 31% 31% 33% 32% 35% 34% 36%
-1 0 2 0 2 1 4 9 1 1 15 6 3
Depreciation 13 13 13 13 11 13 14 13 14 14 14 15 16
Profit before tax 340 367 342 447 507 440 560 554 605 616 711 688 760
Tax % 23% 27% 18% 22% 24% 23% 22% 22% 22% 22% 23% 22% 23%
263 269 279 347 383 338 439 433 470 483 550 534 582
EPS in Rs 10.13 10.38 10.76 13.38 14.75 13.03 16.91 16.66 18.08 18.60 21.17 20.51 22.33
Gross NPA % 1.24% 1.06% 1.04%
Net NPA % 0.84% 0.69% 0.69%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
5,489 7,679 8,482 7,604 6,196 6,527 7,053 7,685 8,168
Interest 3,537 5,167 5,875 5,101 4,065 3,900 4,263 4,552 4,837
693 750 1,737 1,253 998 1,217 789 598 521
Financing Profit 1,258 1,762 870 1,250 1,133 1,410 2,001 2,535 2,809
Financing Margin % 23% 23% 10% 16% 18% 22% 28% 33% 34%
0 4 7 16 5 2 4 6 25
Depreciation 24 31 66 59 53 51 51 56 60
Profit before tax 1,235 1,734 811 1,207 1,084 1,361 1,954 2,486 2,774
Tax % 32% 31% 20% 23% 23% 23% 23% 22%
841 1,192 646 930 836 1,046 1,508 1,936 2,149
EPS in Rs 32.86 46.29 25.00 35.96 32.28 40.31 58.06 74.49 82.61
Dividend Payout % 18% 13% 0% 0% 0% 0% 0% 7%
Compounded Sales Growth
10 Years: %
5 Years: -2%
3 Years: 7%
TTM: 12%
Compounded Profit Growth
10 Years: %
5 Years: 25%
3 Years: 32%
TTM: 28%
Stock Price CAGR
10 Years: %
5 Years: 24%
3 Years: 36%
1 Year: -6%
Return on Equity
10 Years: %
5 Years: 11%
3 Years: 11%
Last Year: 12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 167 167 168 168 169 169 260 260 261
Reserves 6,401 7,376 7,830 8,755 9,703 10,845 14,715 16,603 17,710
Borrowing 53,777 71,859 67,735 59,392 52,961 53,621 55,017 62,310 65,168
2,670 4,466 3,197 3,077 2,897 2,238 2,414 3,348 2,618
Total Liabilities 63,014 83,869 78,930 71,392 65,730 66,874 72,405 82,520 85,756
76 103 251 181 150 146 207 239 259
CWIP 10 5 4 2 4 3 15 16 3
Investments 2,413 4,561 2,076 2,045 3,483 3,196 4,346 3,381 3,116
60,516 79,200 76,599 69,164 62,093 63,528 67,837 78,884 82,378
Total Assets 63,014 83,869 78,930 71,392 65,730 66,874 72,405 82,520 85,756

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-15,664 -16,617 8,928 6,611 6,254 -1,865 -4,662 -8,057
-50 -54 -63 21 -1,475 176 -1,186 757
18,464 17,888 -4,386 -8,178 -6,732 301 4,179 7,404
Net Cash Flow 2,751 1,217 4,480 -1,546 -1,953 -1,388 -1,669 104

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 17% 8% 11% 9% 10% 12% 12%

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
32.53% 32.52% 28.15% 28.14% 28.13% 28.13% 28.13% 28.11% 28.11% 28.10% 28.08% 28.04%
23.64% 24.29% 24.77% 24.81% 24.70% 25.00% 17.89% 20.42% 24.34% 21.45% 24.18% 18.61%
2.98% 3.65% 7.60% 7.72% 7.86% 6.88% 10.95% 22.17% 26.85% 29.88% 37.99% 40.68%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.01%
40.85% 39.53% 39.48% 39.32% 39.32% 39.98% 43.04% 29.29% 20.69% 20.57% 9.74% 12.65%
No. of Shareholders 1,18,1471,08,2691,20,1931,19,6311,24,6561,33,1771,62,9381,58,7991,83,4821,82,0701,87,5262,24,183

* 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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