PNB Housing Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: August 15, 2025, 8:50 pm

Market Cap	19,977 Cr.
Current Price	767
High / Low	1,202/746
Stock P/E	9.78
Book Value	648
Dividend Yield	0.65 %
ROCE	9.46 %
ROE	12.3 %
Face Value	10.0
PEG Ratio	0.49

Quick Insight

PNB Housing Finance Ltd's current share price of 771 reflects a P/E ratio of 9.86, indicating potential undervaluation compared to industry peers. The company's ROE of 12.3% and ROCE of 9.46% signify decent profitability and capital efficiency. With promoters holding 28.11% and FIIs and DIIs also showing significant interest, investor confidence is evident. The healthy reserves of 16,574 Cr provide a cushion for growth and stability. However, the P/BV ratio of 1.36x suggests the stock may not be deeply undervalued. Overall, PNB Housing Finance presents a mixed investment proposition, with potential for growth but requiring further scrutiny given its valuation metrics.

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for PNB Housing Finance Ltd

Competitors of PNB Housing Finance Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Ind Bank Housing Ltd	40.7 Cr.	40.7	57.0/33.0		121	0.00 %	3.74 %	%	10.0
Home First Finance Company India Ltd	12,928 Cr.	1,252	1,519/839	31.3	280	0.30 %	11.4 %	16.5 %	2.00
Aptus Value Housing Finance India Ltd	17,798 Cr.	356	402/268	22.3	86.4	1.26 %	15.0 %	18.6 %	2.00
Repco Home Finance Ltd	2,308 Cr.	369	595/308	5.22	530	1.08 %	11.1 %	14.2 %	10.0
PNB Housing Finance Ltd	19,977 Cr.	767	1,202/746	9.78	648	0.65 %	9.46 %	12.3 %	10.0
Industry Average	10,404.00 Cr	409.21		12.34	308.75	0.99%	48.21%	13.33%	5.64

All Competitor Stocks of PNB Housing Finance Ltd

Quarterly Result

Metric	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025
Revenue	1,404	1,672	1,787	1,627	1,699	1,766	1,748	1,801	1,813	1,868	1,923	2,030	2,064
Interest	930	964	997	1,008	1,048	1,058	1,087	1,070	1,097	1,119	1,158	1,178	1,235
Expenses	149	356	409	261	187	190	206	156	153	130	149	125	136
Financing Profit	325	352	381	358	464	519	455	575	563	619	615	726	693
Financing Margin %	23%	21%	21%	22%	27%	29%	26%	32%	31%	33%	32%	36%	34%
Other Income	1	-1	0	1	0	2	3	5	9	2	2	15	7
Depreciation	13	13	13	13	13	11	13	14	13	14	14	14	15
Profit before tax	313	338	369	346	451	509	445	566	559	607	603	727	686
Tax %	24%	22%	26%	18%	22%	24%	22%	22%	21%	22%	22%	22%	22%
Net Profit	238	263	272	283	353	384	347	444	439	472	471	567	532
EPS in Rs	9.19	10.14	10.50	10.90	13.59	14.81	13.34	17.09	16.89	18.15	18.14	21.82	20.44
Gross NPA %	6.35%	6.05%	4.86%	3.83%	3.76%	1.78%	1.73%	1.50%	1.35%	1.24%	1.19%	1.08%	1.06%
Net NPA %	4.26%	3.59%	3.22%	2.76%	2.58%	1.19%	1.14%	0.95%	0.92%	0.84%	0.80%	0.69%	0.69%

Last Updated: August 1, 2025, 3:11 pm

Below is a detailed analysis of the quarterly data for PNB Housing Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:

For Interest, as of Jun 2025, the value is 1,235.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,178.00 Cr. (Mar 2025) to 1,235.00 Cr., marking an increase of 57.00 Cr..
For Expenses, as of Jun 2025, the value is 136.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 125.00 Cr. (Mar 2025) to 136.00 Cr., marking an increase of 11.00 Cr..
For Other Income, as of Jun 2025, the value is 7.00 Cr.. The value appears to be declining and may need further review. It has decreased from 15.00 Cr. (Mar 2025) to 7.00 Cr., marking a decrease of 8.00 Cr..
For Depreciation, as of Jun 2025, the value is 15.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 14.00 Cr. (Mar 2025) to 15.00 Cr., marking an increase of 1.00 Cr..
For Profit before tax, as of Jun 2025, the value is 686.00 Cr.. The value appears to be declining and may need further review. It has decreased from 727.00 Cr. (Mar 2025) to 686.00 Cr., marking a decrease of 41.00 Cr..
For Tax %, as of Jun 2025, the value is 22.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 22.00%.
For Net Profit, as of Jun 2025, the value is 532.00 Cr.. The value appears to be declining and may need further review. It has decreased from 567.00 Cr. (Mar 2025) to 532.00 Cr., marking a decrease of 35.00 Cr..
For EPS in Rs, as of Jun 2025, the value is 20.44. The value appears to be declining and may need further review. It has decreased from 21.82 (Mar 2025) to 20.44, marking a decrease of 1.38.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: July 22, 2025, 3:13 pm

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1,120	1,780	2,698	3,908	5,488	7,481	8,478	7,565	6,141	6,491	7,014	7,633	7,884
Interest	802	1,265	1,860	2,644	3,537	5,167	5,876	5,101	4,066	3,901	4,264	4,553	4,690
Expenses	136	213	320	442	693	708	1,719	1,234	964	1,173	737	557	540
Financing Profit	183	303	518	822	1,258	1,606	884	1,230	1,111	1,416	2,013	2,523	2,654
Financing Margin %	16%	17%	19%	21%	23%	21%	10%	16%	18%	22%	29%	33%	34%
Other Income	-0	-0	1	0	0	4	7	15	5	2	10	28	26
Depreciation	3	8	15	19	24	31	66	59	53	51	51	56	57
Profit before tax	179	294	503	804	1,235	1,578	825	1,187	1,063	1,367	1,972	2,496	2,623
Tax %	28%	34%	35%	35%	32%	31%	17%	22%	23%	23%	23%	22%
Net Profit	130	194	326	524	842	1,081	682	925	822	1,056	1,527	1,949	2,042
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	78.55
Dividend Payout %	15%	16%	13%	19%	18%	14%	0%	0%	0%	0%	0%	7%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	49.23%	68.04%	60.74%	60.69%	28.38%	-36.91%	35.63%	-11.14%	28.47%	44.60%	27.64%
Change in YoY Net Profit Growth (%)	0.00%	18.81%	-7.31%	-0.05%	-32.30%	-65.30%	72.54%	-46.77%	39.60%	16.14%	-16.97%

PNB Housing Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	16%
5 Years:	-2%
3 Years:	8%
TTM:	11%

Compounded Profit Growth
10 Years:	26%
5 Years:	23%
3 Years:	33%
TTM:	27%

Stock Price CAGR
10 Years:	%
5 Years:	31%
3 Years:	36%
1 Year:	-7%

Return on Equity
10 Years:	12%
5 Years:	11%
3 Years:	12%
Last Year:	12%

Last Updated: Unknown

Balance Sheet

Last Updated: August 11, 2025, 2:32 pm

Month	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	62,310
Other Liabilities	498	976	1,511	1,885	2,673	4,456	3,191	3,072	2,888	2,231	2,422	3,353
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
Fixed Assets	26	40	58	58	255	102	250	181	150	146	206	239
CWIP	3	18	4	2	10	5	4	2	4	3	15	16
Investments	645	1,586	1,622	3,280	2,413	4,457	2,048	2,033	3,472	3,188	4,345	3,381
Other Assets	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

Below is a detailed analysis of the balance sheet data for PNB Housing Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

For Equity Capital, as of Mar 2025, the value is 260.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 260.00 Cr..
For Reserves, as of Mar 2025, the value is 16,574.00 Cr.. The value appears strong and on an upward trend. It has increased from 14,673.00 Cr. (Mar 2024) to 16,574.00 Cr., marking an increase of 1,901.00 Cr..
For Other Liabilities, as of Mar 2025, the value is 3,353.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,422.00 Cr. (Mar 2024) to 3,353.00 Cr., marking an increase of 931.00 Cr..
For Total Liabilities, as of Mar 2025, the value is 82,497.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 72,371.00 Cr. (Mar 2024) to 82,497.00 Cr., marking an increase of 10,126.00 Cr..
For Fixed Assets, as of Mar 2025, the value is 239.00 Cr.. The value appears strong and on an upward trend. It has increased from 206.00 Cr. (Mar 2024) to 239.00 Cr., marking an increase of 33.00 Cr..
For CWIP, as of Mar 2025, the value is 16.00 Cr.. The value appears strong and on an upward trend. It has increased from 15.00 Cr. (Mar 2024) to 16.00 Cr., marking an increase of 1.00 Cr..
For Investments, as of Mar 2025, the value is 3,381.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4,345.00 Cr. (Mar 2024) to 3,381.00 Cr., marking a decrease of 964.00 Cr..
For Other Assets, as of Mar 2025, the value is 78,861.00 Cr.. The value appears strong and on an upward trend. It has increased from 67,804.00 Cr. (Mar 2024) to 78,861.00 Cr., marking an increase of 11,057.00 Cr..
For Total Assets, as of Mar 2025, the value is 82,497.00 Cr.. The value appears strong and on an upward trend. It has increased from 72,371.00 Cr. (Mar 2024) to 82,497.00 Cr., marking an increase of 10,126.00 Cr..

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	-3,627	-6,791	-9,664	-12,406	-15,664	-16,626	8,911	6,566	6,216	-1,772	-4,644	-8,120
Cash from Investing Activity +	-15	-37	-20	-17	-50	-53	-62	5	-1,476	174	-1,193	757
Cash from Financing Activity +	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

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	126.00	197.00	294.00	407.00	640.00	637.00	-66.00	-58.00	912.00	-52.00	682.00	495.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	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%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	32.57%	32.57%	32.57%	32.53%	32.52%	28.15%	28.14%	28.13%	28.13%	28.13%	28.11%	28.11%
FIIs	23.96%	23.96%	23.24%	23.64%	24.29%	24.77%	24.81%	24.70%	25.00%	17.89%	20.42%	24.34%
DIIs	2.33%	2.38%	3.28%	2.98%	3.65%	7.60%	7.72%	7.86%	6.88%	10.95%	22.17%	26.85%
Public	41.14%	41.09%	40.90%	40.85%	39.53%	39.48%	39.32%	39.32%	39.98%	43.04%	29.29%	20.69%
No. of Shareholders	1,19,187	1,20,592	1,19,997	1,18,147	1,08,269	1,20,193	1,19,631	1,24,656	1,33,177	1,62,938	1,58,799	1,83,482

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Tata Equity P/E Fund - Regular Plan	2,631,166	3.14	203.55	2,631,166	2025-04-22 17:25:23	0%
Tata Equity P/E Fund - Regular Plan - Trigger Option A 5%	2,631,166	3.14	203.55	2,631,166	2025-04-22 11:25:17	0%
Nippon India Small Cap Fund	2,232,891	0.42	172.74	2,232,891	2025-04-22 17:25:23	0%
Tata Banking and Financial Services Fund	815,709	3.53	63.1	815,709	2025-04-22 17:25:23	0%
Tata Flexi Cap Fund	753,121	2.32	58.26	753,121	2025-04-22 17:25:23	0%
Tata Multicap Fund	682,444	2.01	52.79	682,444	2025-04-22 17:25:23	0%
Baroda BNP Paribas Balanced Advantage Fund	475,250	1.05	36.77	475,250	2025-04-22 17:25:23	0%
Mahindra Manulife Small Cap Fund	464,743	1.41	35.95	464,743	2025-04-22 17:25:23	0%
Mahindra Manulife Multi Cap Fund	440,000	1.38	34.04	440,000	2025-04-22 17:25:23	0%
Bandhan Small Cap Fund	346,461	0.83	26.8	346,461	2025-04-22 17:25:23	0%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	74.52	58.37	62.01	49.64	55.29
Diluted EPS (Rs.)	74.25	58.20	61.95	49.53	55.26
Cash EPS (Rs.)	76.64	60.03	64.99	52.78	58.77
Book Value[Excl.RevalReserv]/Share (Rs.)	648.76	576.56	652.24	585.51	530.28
Book Value[Incl.RevalReserv]/Share (Rs.)	648.76	576.56	652.24	585.51	530.28
Revenue From Operations / Share (Rs.)	294.90	271.45	386.55	367.49	451.89
PBDIT / Share (Rs.)	272.88	241.27	314.51	308.53	378.31
PBIT / Share (Rs.)	270.73	239.30	311.47	305.36	374.80
PBT / Share (Rs.)	95.63	75.23	80.59	64.29	71.73
Net Profit / Share (Rs.)	74.49	58.06	61.94	49.61	55.26
NP After MI And SOA / Share (Rs.)	74.49	58.06	61.94	49.61	55.26
PBDIT Margin (%)	92.53	88.88	81.36	83.95	83.71
PBIT Margin (%)	91.80	88.15	80.57	83.09	82.94
PBT Margin (%)	32.42	27.71	20.84	17.49	15.87
Net Profit Margin (%)	25.25	21.38	16.02	13.50	12.22
NP After MI And SOA Margin (%)	25.25	21.38	16.02	13.50	12.22
Return on Networth / Equity (%)	11.48	10.07	9.49	8.47	10.42
Return on Capital Employeed (%)	41.10	40.91	15.60	14.51	15.83
Return On Assets (%)	2.34	2.08	1.56	1.27	1.30
Long Term Debt / Equity (X)	0.00	0.00	2.04	2.56	3.32
Total Debt / Equity (X)	3.69	3.67	4.87	5.37	6.66
Asset Turnover Ratio (%)	0.09	0.10	0.09	0.08	0.10
Current Ratio (X)	1.25	1.26	2.00	2.15	2.24
Quick Ratio (X)	1.25	1.26	2.00	2.15	2.24
Interest Coverage Ratio (X)	1.56	1.47	1.36	1.28	1.25
Interest Coverage Ratio (Post Tax) (X)	1.43	1.35	1.27	1.21	1.18
Enterprise Value (Cr.)	81628.81	68753.84	58494.45	54140.89	58725.52
EV / Net Operating Revenue (X)	10.65	9.75	8.96	8.74	7.72
EV / EBITDA (X)	11.51	10.97	11.01	10.41	9.23
MarketCap / Net Operating Revenue (X)	2.99	2.32	1.33	1.03	0.82
Price / BV (X)	1.36	1.09	0.78	0.64	0.70
Price / Net Operating Revenue (X)	2.99	2.32	1.33	1.03	0.82
EarningsYield	0.08	0.09	0.12	0.13	0.14

After reviewing the key financial ratios for PNB Housing Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 25, the value is 74.52. This value is within the healthy range. It has increased from 58.37 (Mar 24) to 74.52, marking an increase of 16.15.
For Diluted EPS (Rs.), as of Mar 25, the value is 74.25. This value is within the healthy range. It has increased from 58.20 (Mar 24) to 74.25, marking an increase of 16.05.
For Cash EPS (Rs.), as of Mar 25, the value is 76.64. This value is within the healthy range. It has increased from 60.03 (Mar 24) to 76.64, marking an increase of 16.61.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 648.76. It has increased from 576.56 (Mar 24) to 648.76, marking an increase of 72.20.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 648.76. It has increased from 576.56 (Mar 24) to 648.76, marking an increase of 72.20.
For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 294.90. It has increased from 271.45 (Mar 24) to 294.90, marking an increase of 23.45.
For PBDIT / Share (Rs.), as of Mar 25, the value is 272.88. This value is within the healthy range. It has increased from 241.27 (Mar 24) to 272.88, marking an increase of 31.61.
For PBIT / Share (Rs.), as of Mar 25, the value is 270.73. This value is within the healthy range. It has increased from 239.30 (Mar 24) to 270.73, marking an increase of 31.43.
For PBT / Share (Rs.), as of Mar 25, the value is 95.63. This value is within the healthy range. It has increased from 75.23 (Mar 24) to 95.63, marking an increase of 20.40.
For Net Profit / Share (Rs.), as of Mar 25, the value is 74.49. This value is within the healthy range. It has increased from 58.06 (Mar 24) to 74.49, marking an increase of 16.43.
For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 74.49. This value is within the healthy range. It has increased from 58.06 (Mar 24) to 74.49, marking an increase of 16.43.
For PBDIT Margin (%), as of Mar 25, the value is 92.53. This value is within the healthy range. It has increased from 88.88 (Mar 24) to 92.53, marking an increase of 3.65.
For PBIT Margin (%), as of Mar 25, the value is 91.80. This value exceeds the healthy maximum of 20. It has increased from 88.15 (Mar 24) to 91.80, marking an increase of 3.65.
For PBT Margin (%), as of Mar 25, the value is 32.42. This value is within the healthy range. It has increased from 27.71 (Mar 24) to 32.42, marking an increase of 4.71.
For Net Profit Margin (%), as of Mar 25, the value is 25.25. This value exceeds the healthy maximum of 10. It has increased from 21.38 (Mar 24) to 25.25, marking an increase of 3.87.
For NP After MI And SOA Margin (%), as of Mar 25, the value is 25.25. This value exceeds the healthy maximum of 20. It has increased from 21.38 (Mar 24) to 25.25, marking an increase of 3.87.
For Return on Networth / Equity (%), as of Mar 25, the value is 11.48. This value is below the healthy minimum of 15. It has increased from 10.07 (Mar 24) to 11.48, marking an increase of 1.41.
For Return on Capital Employeed (%), as of Mar 25, the value is 41.10. This value is within the healthy range. It has increased from 40.91 (Mar 24) to 41.10, marking an increase of 0.19.
For Return On Assets (%), as of Mar 25, the value is 2.34. This value is below the healthy minimum of 5. It has increased from 2.08 (Mar 24) to 2.34, marking an increase of 0.26.
For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
For Total Debt / Equity (X), as of Mar 25, the value is 3.69. This value exceeds the healthy maximum of 1. It has increased from 3.67 (Mar 24) to 3.69, marking an increase of 0.02.
For Asset Turnover Ratio (%), as of Mar 25, the value is 0.09. It has decreased from 0.10 (Mar 24) to 0.09, marking a decrease of 0.01.
For Current Ratio (X), as of Mar 25, the value is 1.25. This value is below the healthy minimum of 1.5. It has decreased from 1.26 (Mar 24) to 1.25, marking a decrease of 0.01.
For Quick Ratio (X), as of Mar 25, the value is 1.25. This value is within the healthy range. It has decreased from 1.26 (Mar 24) to 1.25, marking a decrease of 0.01.
For Interest Coverage Ratio (X), as of Mar 25, the value is 1.56. This value is below the healthy minimum of 3. It has increased from 1.47 (Mar 24) to 1.56, marking an increase of 0.09.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.43. This value is below the healthy minimum of 3. It has increased from 1.35 (Mar 24) to 1.43, marking an increase of 0.08.
For Enterprise Value (Cr.), as of Mar 25, the value is 81,628.81. It has increased from 68,753.84 (Mar 24) to 81,628.81, marking an increase of 12,874.97.
For EV / Net Operating Revenue (X), as of Mar 25, the value is 10.65. This value exceeds the healthy maximum of 3. It has increased from 9.75 (Mar 24) to 10.65, marking an increase of 0.90.
For EV / EBITDA (X), as of Mar 25, the value is 11.51. This value is within the healthy range. It has increased from 10.97 (Mar 24) to 11.51, marking an increase of 0.54.
For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 2.99. This value is within the healthy range. It has increased from 2.32 (Mar 24) to 2.99, marking an increase of 0.67.
For Price / BV (X), as of Mar 25, the value is 1.36. This value is within the healthy range. It has increased from 1.09 (Mar 24) to 1.36, marking an increase of 0.27.
For Price / Net Operating Revenue (X), as of Mar 25, the value is 2.99. This value is within the healthy range. It has increased from 2.32 (Mar 24) to 2.99, marking an increase of 0.67.
For EarningsYield, as of Mar 25, the value is 0.08. This value is below the healthy minimum of 5. It has decreased from 0.09 (Mar 24) to 0.08, marking a decrease of 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of PNB Housing Finance Ltd as of August 16, 2025 is: 627.66

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of August 16, 2025, PNB Housing Finance Ltd is Overvalued by 18.17% compared to the current share price 767.00

Intrinsic Value of PNB Housing Finance Ltd as of August 16, 2025 is: 752.47

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of August 16, 2025, PNB Housing Finance Ltd is Overvalued by 1.89% compared to the current share price 767.00

Last 5 Year EPS CAGR: 19.88%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in PNB Housing Finance Ltd:
1. Net Profit Margin: 25.25%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 41.1% (Industry Average ROCE: 48.21%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 11.48% (Industry Average ROE: 10.91%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.43
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 1.25
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 9.78 (Industry average Stock P/E: 10.1)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 3.69
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

PNB Housing Finance Ltd. is a Public Limited Listed company incorporated on 11/11/1988 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65922DL1988PLC033856 and registration number is 033856. Currently Company is involved in the business activities of Activities of specialized institutions granting credit for house purchases that also take deposits. Company's Total Operating Revenue is Rs. 7632.76 Cr. and Equity Capital is Rs. 259.93 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Finance - Housing	9th Floor, Antriksh Bhawan, 22 Kasturba Gandhi Marg, New Delhi Delhi 110001	investor.services@pnbhousing.com http://www.pnbhousing.com

Management
Name	Position Held
Mr. Girish Kousgi	Managing Director & CEO
Mr. Sudarshan Sen	Independent Director
Mr. R Chandrasekaran	Independent Director
Mr. Nilesh S Vikamsey	Independent Director
Mr. Pavan Kaushal	Independent Director
Mr. Neeraj Vyas	Independent Director
Ms. Gita Nayyar	Independent Director
Dr. T M Bhasin	Independent Director
Mr. Dilip Kumar Jain	Non Exe. & Nominee Director

FAQ

What is the intrinsic value of PNB Housing Finance Ltd?

PNB Housing Finance Ltd's intrinsic value (as of 16 August 2025) is ₹627.66 which is 18.17% lower the current market price of ₹767.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹19,977 Cr. market cap, FY2025-2026 high/low of ₹1,202/746, reserves of ₹16,574 Cr, and liabilities of ₹82,497 Cr.

What is the Market Cap of PNB Housing Finance Ltd?

The Market Cap of PNB Housing Finance Ltd is 19,977 Cr..

What is the current Stock Price of PNB Housing Finance Ltd as on 16 August 2025?

The current stock price of PNB Housing Finance Ltd as on 16 August 2025 is 767.

What is the High / Low of PNB Housing Finance Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of PNB Housing Finance Ltd stocks is 1,202/746.

What is the Stock P/E of PNB Housing Finance Ltd?

The Stock P/E of PNB Housing Finance Ltd is 9.78.

What is the Book Value of PNB Housing Finance Ltd?

The Book Value of PNB Housing Finance Ltd is 648.

What is the Dividend Yield of PNB Housing Finance Ltd?

The Dividend Yield of PNB Housing Finance Ltd is 0.65 %.

What is the ROCE of PNB Housing Finance Ltd?

The ROCE of PNB Housing Finance Ltd is 9.46 %.

What is the ROE of PNB Housing Finance Ltd?

The ROE of PNB Housing Finance Ltd is 12.3 %.

What is the Face Value of PNB Housing Finance Ltd?

The Face Value of PNB Housing Finance Ltd is 10.0.