Share Price and Basic Stock Data
Last Updated: October 22, 2025, 4:41 am
| PEG Ratio | 0.56 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
PNB Housing Finance Ltd operates in the finance sector, focusing on housing finance solutions. As of the latest report, the company’s stock price stood at ₹853 with a market capitalization of ₹22,220 Cr. The revenue trend shows a steady increase, with the most recent quarterly revenue reported at ₹1,801 Cr for March 2024, up from ₹1,787 Cr in December 2022. The overall annual revenue increased from ₹6,141 Cr in March 2022 to ₹7,016 Cr in March 2024, demonstrating a growth trajectory. The financing profit also showed a robust increase, reaching ₹2,542 Cr in March 2025, highlighting the company’s ability to capitalize on its lending operations. The financing margin has improved significantly, reported at 33% for March 2025, compared to 22% in March 2023, indicating enhanced operational efficiency. This growth in revenue and profitability underscores PNB Housing Finance’s strong position in the housing finance market.
Profitability and Efficiency Metrics
PNB Housing Finance has recorded impressive profitability metrics, with a net profit of ₹1,949 Cr for March 2025, a substantial increase from ₹1,056 Cr in March 2023. The earnings per share (EPS) also reflected this growth, rising to ₹74.98 in March 2025 from ₹40.70 in March 2023. The company reported a return on equity (ROE) of 12.3% and a return on capital employed (ROCE) of 9.46%, indicating effective use of equity and capital in generating profits. Additionally, the interest coverage ratio (ICR) stood at 1.56, suggesting that the company comfortably meets its interest obligations. However, the gross non-performing assets (NPA) ratio, while improving, remained at 1.08% in March 2025, indicating some credit risk. Overall, the profitability and efficiency metrics depict a healthy financial performance, although monitoring asset quality remains crucial for sustained growth.
Balance Sheet Strength and Financial Ratios
The balance sheet of PNB Housing Finance reflects a solid financial standing, with total reserves reported at ₹16,574 Cr as of March 2025, an increase from ₹10,784 Cr in March 2023. The company reported a total borrowing of ₹62,310 Cr, which, when compared to its reserves, indicates a relatively high debt-to-equity ratio of 3.69. This denotes increased leverage, which could pose potential risks if not managed effectively. The current ratio stood at 1.25, indicating adequate liquidity to cover short-term obligations. Furthermore, the price-to-book value (P/BV) ratio was reported at 1.36x, suggesting that the stock is trading at a premium relative to its book value. Overall, while the balance sheet exhibits strength through substantial reserves, the high leverage ratio raises concerns about financial risk management and sustainability in adverse market conditions.
Shareholding Pattern and Investor Confidence
The shareholding pattern of PNB Housing Finance indicates a diverse ownership structure, with promoters holding 28.08%, foreign institutional investors (FIIs) at 24.18%, domestic institutional investors (DIIs) at 37.99%, and the public holding 9.74%. The increase in DII ownership from 3.28% in September 2022 to 37.99% in March 2025 reflects a growing confidence among institutional investors in the company’s prospects. The total number of shareholders also grew to 1,87,526 by June 2025, showcasing increased retail investor interest. However, the decline in promoter holdings from 32.57% in September 2022 to the current level may raise questions about management’s confidence in the company’s future. Overall, the diverse shareholding structure, coupled with increased institutional interest, paints a positive picture regarding investor confidence in PNB Housing Finance.
Outlook, Risks, and Final Insight
If margins sustain their upward trajectory, PNB Housing Finance could continue to enhance profitability and shareholder value. However, the company faces risks associated with its elevated debt levels, which could strain financial flexibility if market conditions worsen. Additionally, maintaining asset quality and managing NPA levels will be critical to ensure long-term viability. The competitive landscape in the housing finance sector may also pressure profit margins, necessitating continuous innovation and customer engagement strategies. On the positive side, the growing interest from institutional investors and the company’s solid revenue growth position it well for future expansion. If the management effectively addresses these risks while leveraging its strengths, PNB Housing Finance could solidify its standing in the housing finance market and achieve sustained growth.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 39.0 Cr. | 39.0 | 56.5/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 12,976 Cr. | 1,253 | 1,519/839 | 31.4 | 280 | 0.30 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 15,778 Cr. | 315 | 368/268 | 19.8 | 86.4 | 1.43 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,549 Cr. | 407 | 524/308 | 5.77 | 530 | 0.98 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 22,810 Cr. | 876 | 1,142/746 | 11.2 | 648 | 0.57 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,647.30 Cr | 426.83 | 12.38 | 311.39 | 0.97% | 48.21% | 13.33% | 5.64 |
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.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:40 am
| 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 | 7,651 | 7,884 |
| Interest | 802 | 1,265 | 1,860 | 2,644 | 3,537 | 5,167 | 5,876 | 5,100 | 4,066 | 3,901 | 4,264 | 4,553 | 4,690 |
| Expenses | 136 | 213 | 320 | 442 | 693 | 708 | 1,719 | 1,235 | 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 | 2,542 | 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 | 10 | 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% |
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: | 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: 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.
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
| 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.
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% |
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% |
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.
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:
- 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.
- 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.
- 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.
- 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.
- 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.
- Stock P/E: 11.2 (Industry average Stock P/E: 12.38)
- 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.
- 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.
Stock Rating: - Net Profit Margin: 25.25%
About the Company - Qualitative Analysis
| 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 25 October 2025) is 718.22 which is 18.01% lower the current market price of 876.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 22,810 Cr. market cap, FY2025-2026 high/low of 1,142/746, 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 22,810 Cr..
What is the current Stock Price of PNB Housing Finance Ltd as on 25 October 2025?
The current stock price of PNB Housing Finance Ltd as on 25 October 2025 is 876.
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 1,142/746.
What is the Stock P/E of PNB Housing Finance Ltd?
The Stock P/E of PNB Housing Finance Ltd is 11.2.
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 0.57 %.
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.