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Last Updated: March 3, 2026, 1:10 pm
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 540173 | NSE: PNBHOUSING

PNB Housing Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: March 3, 2026, 1:10 pm

Market Cap 21,187 Cr.
Current Price 813
Intrinsic Value₹786.94
High / Low 1,142/748
Stock P/E9.43
Book Value 690
Dividend Yield0.61 %
ROCE9.46 %
ROE12.3 %
Face Value 10.0
PEG Ratio0.43

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

View Share Price Target for PNB Housing Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
PNB Housing Finance Ltd 21,187 Cr. 813 1,142/7489.43 6900.61 %9.46 %12.3 % 10.0
LIC Housing Finance Ltd 29,041 Cr. 528 647/4865.29 7001.89 %8.93 %16.0 % 2.00
Aptus Value Housing Finance India Ltd 11,932 Cr. 238 365/23313.4 93.01.89 %15.0 %18.6 % 2.00
Home First Finance Company India Ltd 11,434 Cr. 1,097 1,519/83923.1 3860.34 %11.4 %16.5 % 2.00
Can Fin Homes Ltd 10,937 Cr. 821 972/56911.2 4101.46 %9.34 %18.2 % 2.00
Industry Average10,675.33 Cr387.389.93331.841.12%48.21%13.33%5.64

All Competitor Stocks of PNB Housing Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue1,7871,6271,6991,7661,7481,8011,8131,8681,9232,0302,0642,1682,110
Interest 9971,0081,0481,0581,0871,0701,0971,1191,1581,1781,2351,2671,253
Expenses 40926118719020615615313014912513684174
Financing Profit381358464519455575563619615726693816683
Financing Margin %21%22%27%29%26%32%31%33%32%36%34%38%32%
Other Income 01023592215742
Depreciation 13131311131413141414151616
Profit before tax 369346451509445566559607603727686804669
Tax % 26%18%22%24%22%22%21%22%22%22%22%22%22%
Net Profit 272283353384347444439472471567532626521
EPS in Rs 10.5010.9013.5914.8113.3417.0916.8918.1518.1421.8220.4424.0520.00
Gross NPA %4.86%3.83%3.76%1.78%1.73%1.50%1.35%1.24%1.19%1.08%1.06%1.04%1.04%
Net NPA %3.22%2.76%2.58%1.19%1.14%0.95%0.92%0.84%0.80%0.69%0.69%0.69%0.68%

Last Updated: February 4, 2026, 3:46 pm

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

  • For Interest, as of Dec 2025, the value is 1,253.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,267.00 Cr. (Sep 2025) to 1,253.00 Cr., marking a decrease of 14.00 Cr..
  • For Expenses, as of Dec 2025, the value is 174.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 84.00 Cr. (Sep 2025) to 174.00 Cr., marking an increase of 90.00 Cr..
  • For Other Income, as of Dec 2025, the value is 2.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4.00 Cr. (Sep 2025) to 2.00 Cr., marking a decrease of 2.00 Cr..
  • For Depreciation, as of Dec 2025, the value is 16.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 16.00 Cr..
  • For Profit before tax, as of Dec 2025, the value is 669.00 Cr.. The value appears to be declining and may need further review. It has decreased from 804.00 Cr. (Sep 2025) to 669.00 Cr., marking a decrease of 135.00 Cr..
  • For Tax %, as of Dec 2025, the value is 22.00%. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 22.00%.
  • For Net Profit, as of Dec 2025, the value is 521.00 Cr.. The value appears to be declining and may need further review. It has decreased from 626.00 Cr. (Sep 2025) to 521.00 Cr., marking a decrease of 105.00 Cr..
  • For EPS in Rs, as of Dec 2025, the value is 20.00. The value appears to be declining and may need further review. It has decreased from 24.05 (Sep 2025) to 20.00, marking a decrease of 4.05.

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: February 25, 2026, 9:46 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue1,1201,7802,6983,9085,4887,4818,4787,5656,1416,4917,0167,6518,371
Interest 8021,2651,8602,6443,5375,1675,8765,1004,0663,9014,2644,5534,933
Expenses 1362133204426937081,7191,2359641,173737557519
Financing Profit1833035188221,2581,6068841,2301,1111,4162,0152,5422,919
Financing Margin %16%17%19%21%23%21%10%16%18%22%29%33%35%
Other Income -0-010047155271028
Depreciation 381519243166595351515661
Profit before tax 1792945038041,2351,5788251,1871,0631,3671,9722,4962,886
Tax % 28%34%35%35%32%31%17%22%23%23%23%22%
Net Profit 1301943265248421,0816829258221,0561,5271,9492,246
EPS in Rs 9.459.9516.7320.5732.9042.0126.3935.7831.7240.7058.8174.9886.31
Dividend Payout % 15%16%13%19%18%14%0%0%0%0%0%7%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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:27%
3 Years:37%
1 Year:-25%
Return on Equity
10 Years:12%
5 Years:11%
3 Years:12%
Last Year:12%

Last Updated: September 5, 2025, 12:20 pm

Balance Sheet

Last Updated: December 4, 2025, 1:48 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 66104127166167167168168169169260260261
Reserves 8681,4752,0195,4126,4027,2687,7798,6999,63210,78414,67316,57417,724
Borrowing10,10816,48126,01435,49753,77771,85967,73659,39453,00553,62155,01762,31065,168
Other Liabilities 4989761,5111,8852,6734,4563,1913,0722,8442,2312,4223,3532,631
Total Liabilities 11,54019,03529,67142,96063,01883,75078,87471,33365,64966,80572,37182,49785,784
Fixed Assets 26405858255102250181150146206239258
CWIP 31842105424315163
Investments 6451,5861,6223,2802,4134,4572,0482,0333,4723,1884,3453,3813,114
Other Assets 10,86517,39227,98739,62060,34079,18576,57269,11762,02463,46867,80478,86182,408
Total Assets 11,54019,03529,67142,96063,01883,75078,87471,33365,64966,80572,37182,49785,784

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

  • For Equity Capital, as of Sep 2025, the value is 261.00 Cr.. The value appears strong and on an upward trend. It has increased from 260.00 Cr. (Mar 2025) to 261.00 Cr., marking an increase of 1.00 Cr..
  • For Reserves, as of Sep 2025, the value is 17,724.00 Cr.. The value appears strong and on an upward trend. It has increased from 16,574.00 Cr. (Mar 2025) to 17,724.00 Cr., marking an increase of 1,150.00 Cr..
  • For Other Liabilities, as of Sep 2025, the value is 2,631.00 Cr.. The value appears to be improving (decreasing). It has decreased from 3,353.00 Cr. (Mar 2025) to 2,631.00 Cr., marking a decrease of 722.00 Cr..
  • For Total Liabilities, as of Sep 2025, the value is 85,784.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 82,497.00 Cr. (Mar 2025) to 85,784.00 Cr., marking an increase of 3,287.00 Cr..
  • For Fixed Assets, as of Sep 2025, the value is 258.00 Cr.. The value appears strong and on an upward trend. It has increased from 239.00 Cr. (Mar 2025) to 258.00 Cr., marking an increase of 19.00 Cr..
  • For CWIP, as of Sep 2025, the value is 3.00 Cr.. The value appears to be declining and may need further review. It has decreased from 16.00 Cr. (Mar 2025) to 3.00 Cr., marking a decrease of 13.00 Cr..
  • For Investments, as of Sep 2025, the value is 3,114.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,381.00 Cr. (Mar 2025) to 3,114.00 Cr., marking a decrease of 267.00 Cr..
  • For Other Assets, as of Sep 2025, the value is 82,408.00 Cr.. The value appears strong and on an upward trend. It has increased from 78,861.00 Cr. (Mar 2025) to 82,408.00 Cr., marking an increase of 3,547.00 Cr..
  • For Total Assets, as of Sep 2025, the value is 85,784.00 Cr.. The value appears strong and on an upward trend. It has increased from 82,497.00 Cr. (Mar 2025) to 85,784.00 Cr., marking an increase of 3,287.00 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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -3,627-6,791-9,664-12,406-15,664-16,6268,9116,7316,218-1,772-4,644-8,120
Cash from Investing Activity + -15-37-20-17-50-53-62-6-1,476174-1,193757
Cash from Financing Activity + 3,6046,8509,80412,32218,46417,888-4,362-8,331-6,6843014,1797,404
Net Cash Flow -3822120-1012,7511,2094,486-1,606-1,942-1,297-1,65941

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow126.00197.00294.00407.00640.00637.00-66.00-58.00911.00-52.00682.00495.00

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

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

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 32.52%28.15%28.14%28.13%28.13%28.13%28.11%28.11%28.10%28.08%28.04%28.04%
FIIs 24.29%24.77%24.81%24.70%25.00%17.89%20.42%24.34%21.45%24.18%18.61%17.22%
DIIs 3.65%7.60%7.72%7.86%6.88%10.95%22.17%26.85%29.88%37.99%40.68%43.02%
Government 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%0.01%0.02%
Public 39.53%39.48%39.32%39.32%39.98%43.04%29.29%20.69%20.57%9.74%12.65%11.69%
No. of Shareholders 1,08,2691,20,1931,19,6311,24,6561,33,1771,62,9381,58,7991,83,4821,82,0701,87,5262,24,1831,99,930

Shareholding Pattern Chart

No. of Shareholders

PNB Housing Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Nippon India Small Cap Fund 4,340,372 0.54 356.954,338,2372026-01-25 02:17:230.05%
HSBC Value Fund 3,557,400 2.01 292.563,092,2002026-02-23 08:54:3715.04%
HSBC Small Cap Fund 3,412,100 1.87 280.613,243,1002026-02-23 05:27:575.21%
Bandhan Small Cap Fund 3,208,271 1.37 263.852,992,2712026-02-23 03:11:267.22%
Aditya Birla Sun Life Large Cap Fund 3,017,240 0.82 248.142,575,8902026-01-26 05:24:4017.13%
Kotak Multicap Fund 2,668,646 0.97 219.47N/AN/AN/A
Canara Robeco Small Cap Fund 2,359,713 1.53 194.06N/AN/AN/A
Tata Value Fund 2,263,801 2.11 186.182,238,1662026-02-23 08:54:371.15%
Franklin India Small Cap Fund 2,256,472 1.45 185.57N/AN/AN/A
DSP Small Cap Fund 2,248,623 1.15 184.93N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 74.5258.3762.0149.6455.29
Diluted EPS (Rs.) 74.2558.2061.9549.5355.26
Cash EPS (Rs.) 76.6460.0364.9952.7858.77
Book Value[Excl.RevalReserv]/Share (Rs.) 648.76576.56652.24585.51530.28
Book Value[Incl.RevalReserv]/Share (Rs.) 648.76576.56652.24585.51530.28
Revenue From Operations / Share (Rs.) 294.90271.45386.55367.49451.89
PBDIT / Share (Rs.) 272.88241.27314.51308.53378.31
PBIT / Share (Rs.) 270.73239.30311.47305.36374.80
PBT / Share (Rs.) 95.6375.2380.5964.2971.73
Net Profit / Share (Rs.) 74.4958.0661.9449.6155.26
NP After MI And SOA / Share (Rs.) 74.4958.0661.9449.6155.26
PBDIT Margin (%) 92.5388.8881.3683.9583.71
PBIT Margin (%) 91.8088.1580.5783.0982.94
PBT Margin (%) 32.4227.7120.8417.4915.87
Net Profit Margin (%) 25.2521.3816.0213.5012.22
NP After MI And SOA Margin (%) 25.2521.3816.0213.5012.22
Return on Networth / Equity (%) 11.4810.079.498.4710.42
Return on Capital Employeed (%) 41.1040.9115.6014.5115.83
Return On Assets (%) 2.342.081.561.271.30
Long Term Debt / Equity (X) 0.000.002.042.563.32
Total Debt / Equity (X) 3.693.674.875.376.66
Asset Turnover Ratio (%) 0.090.100.090.080.10
Current Ratio (X) 1.251.262.002.152.24
Quick Ratio (X) 1.251.262.002.152.24
Interest Coverage Ratio (X) 1.561.471.361.281.25
Interest Coverage Ratio (Post Tax) (X) 1.431.351.271.211.18
Enterprise Value (Cr.) 81628.8168753.8458494.4554140.8958725.52
EV / Net Operating Revenue (X) 10.659.758.968.747.72
EV / EBITDA (X) 11.5110.9711.0110.419.23
MarketCap / Net Operating Revenue (X) 2.992.321.331.030.82
Price / BV (X) 1.361.090.780.640.70
Price / Net Operating Revenue (X) 2.992.321.331.030.82
EarningsYield 0.080.090.120.130.14

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 March 4, 2026 is: ₹644.16

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 March 4, 2026, PNB Housing Finance Ltd is Overvalued by 20.77% compared to the current share price ₹813.00

Intrinsic Value of PNB Housing Finance Ltd as of March 4, 2026 is: ₹786.94

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 March 4, 2026, PNB Housing Finance Ltd is Overvalued by 3.21% compared to the current share price ₹813.00

Last 5 Year EPS CAGR: 22.16%

*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: 13.33%)
      • 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: 9.43 (Industry average Stock P/E: 9.93)
      • 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.
INDUSTRYADDRESSCONTACT
Finance - Housing9th Floor, Antriksh Bhawan, 22 Kasturba Gandhi Marg, New Delhi Delhi 110001Contact not found
Management
NamePosition Held
Mr. Ajai Kumar ShuklaManaging Director
Mr. Kousgi Sreenivasa Murthy GirishExecutive Director & CEO
Mr. Chandrasekaran RamakrishnanInd. Non-Executive Director
Mr. Nilesh Shivji VikamseyInd. Non-Executive Director
Mr. Tejendra Mohan BhasinInd. Non-Executive Director
Mr. Neeraj Madan VyasInd. Non-Executive Director
Ms. Gita NayyarInd. Non-Executive Director
Mr. Pavan Pal KaushalInd. Non-Executive Director
Mr. Dilip Kumar JainNon Exe. & Nominee Director
Mr. Devendran SurendranNon Exe. & Nominee Director

FAQ

What is the intrinsic value of PNB Housing Finance Ltd?

PNB Housing Finance Ltd's intrinsic value (as of 04 March 2026) is ₹786.94 which is 3.21% lower the current market price of ₹813.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹21,187 Cr. market cap, FY2025-2026 high/low of ₹1,142/748, reserves of ₹17,724 Cr, and liabilities of ₹85,784 Cr.

What is the Market Cap of PNB Housing Finance Ltd?

The Market Cap of PNB Housing Finance Ltd is 21,187 Cr..

What is the current Stock Price of PNB Housing Finance Ltd as on 04 March 2026?

The current stock price of PNB Housing Finance Ltd as on 04 March 2026 is ₹813.

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 ₹1,142/748.

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

The Stock P/E of PNB Housing Finance Ltd is 9.43.

What is the Book Value of PNB Housing Finance Ltd?

The Book Value of PNB Housing Finance Ltd is 690.

What is the Dividend Yield of PNB Housing Finance Ltd?

The Dividend Yield of PNB Housing Finance Ltd is 0.61 %.

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.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in PNB Housing Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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