Share Price and Basic Stock Data
Last Updated: January 3, 2026, 12:08 pm
| PEG Ratio | 0.55 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
PNB Housing Finance Ltd operates within the housing finance sector, focusing on providing loans for residential properties. As of December 2023, the company’s revenue stood at ₹1,748 Cr, showing a consistent growth trajectory from ₹1,672 Cr in September 2022. The revenue increase reflects a robust demand for housing finance, with the latest quarterly figures indicating a growth to ₹1,801 Cr by March 2024. This upward trend in revenue is underpinned by a financing profit margin improvement, which rose from 21% in September 2022 to 29% in September 2023, demonstrating an effective management of interest rates and an increasing volume of loans disbursed. The company’s total revenue for FY 2025 is reported at ₹7,651 Cr, up from ₹7,016 Cr in FY 2024, reinforcing its position as a significant player in the market.
Profitability and Efficiency Metrics
PNB Housing Finance’s profitability metrics reveal a strong operational performance. The net profit for FY 2025 recorded at ₹1,949 Cr reflects a substantial increase from ₹1,527 Cr in FY 2024. The earnings per share (EPS) also showcased significant growth, standing at ₹74.98 in FY 2025 compared to ₹58.81 in FY 2024. The company’s return on equity (ROE) is reported at 12%, illustrating effective utilization of shareholders’ equity, while the return on capital employed (ROCE) maintains a solid position at 41.1%. The interest coverage ratio (ICR) of 1.56 indicates that the company is comfortably positioned to cover its interest obligations, which is favorable compared to typical sector norms. The reported gross non-performing asset (NPA) ratio has significantly declined to 1.08% by March 2025, indicating improved asset quality and risk management.
Balance Sheet Strength and Financial Ratios
PNB Housing Finance’s balance sheet exhibits solid strength, characterized by a market capitalization of ₹25,999 Cr and total assets amounting to ₹82,497 Cr as of March 2025. The company’s reserves have grown to ₹16,574 Cr, up from ₹14,673 Cr in FY 2024, reflecting a healthy accumulation of retained earnings. The total debt-to-equity ratio stands at 3.69, indicating a leveraged position which is typical in the housing finance sector but requires monitoring in terms of financial stability. The book value per share is reported at ₹648.76, suggesting that the stock is trading at a price-to-book ratio of 1.36x, indicating a reasonable valuation compared to historical averages. The current ratio of 1.25 suggests adequate liquidity to meet short-term obligations, reinforcing the company’s financial resilience.
Shareholding Pattern and Investor Confidence
The shareholding pattern of PNB Housing Finance reflects a diverse ownership structure, with institutional investors holding a significant stake. As of September 2025, domestic institutional investors (DIIs) own 40.68%, while foreign institutional investors (FIIs) hold 18.61%. The promoters’ stake has seen a gradual decline to 28.04%, suggesting a dilution of control but also an increase in public and institutional confidence. The number of shareholders has risen to 224,183, indicating growing retail investor interest. The high institutional ownership, particularly by DIIs, can be seen as a positive signal regarding the company’s governance and long-term prospects. However, the fluctuating promoter stake may raise questions about their commitment to the company’s future direction.
Outlook, Risks, and Final Insight
Looking ahead, PNB Housing Finance is positioned to capitalize on the growing housing market, bolstered by its strong revenue and profit growth. However, risks remain, including potential fluctuations in interest rates that could impact borrowing costs and profitability. Additionally, the company’s high debt-to-equity ratio necessitates careful management to avoid over-leverage. The declining promoter stake might also reflect strategic shifts that require close monitoring. Overall, while the company has demonstrated strong operational metrics and financial health, it must navigate these risks effectively to sustain its growth trajectory. The outlook remains cautiously optimistic, hinging on continued demand in the housing sector and effective risk management strategies.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 40.4 Cr. | 40.4 | 55.0/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 11,485 Cr. | 1,105 | 1,519/839 | 25.4 | 388 | 0.33 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 14,211 Cr. | 284 | 365/268 | 16.8 | 93.0 | 1.59 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,712 Cr. | 434 | 464/308 | 6.21 | 557 | 0.92 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 25,999 Cr. | 998 | 1,142/746 | 11.8 | 690 | 0.50 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,649.00 Cr | 430.72 | 11.67 | 332.03 | 0.97% | 48.21% | 13.33% | 5.64 |
Quarterly Result
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,672 | 1,787 | 1,627 | 1,699 | 1,766 | 1,748 | 1,801 | 1,813 | 1,868 | 1,923 | 2,030 | 2,064 | 2,168 |
| Interest | 964 | 997 | 1,008 | 1,048 | 1,058 | 1,087 | 1,070 | 1,097 | 1,119 | 1,158 | 1,178 | 1,235 | 1,267 |
| Expenses | 356 | 409 | 261 | 187 | 190 | 206 | 156 | 153 | 130 | 149 | 125 | 136 | 84 |
| Financing Profit | 352 | 381 | 358 | 464 | 519 | 455 | 575 | 563 | 619 | 615 | 726 | 693 | 816 |
| Financing Margin % | 21% | 21% | 22% | 27% | 29% | 26% | 32% | 31% | 33% | 32% | 36% | 34% | 38% |
| Other Income | -1 | 0 | 1 | 0 | 2 | 3 | 5 | 9 | 2 | 2 | 15 | 7 | 4 |
| Depreciation | 13 | 13 | 13 | 13 | 11 | 13 | 14 | 13 | 14 | 14 | 14 | 15 | 16 |
| Profit before tax | 338 | 369 | 346 | 451 | 509 | 445 | 566 | 559 | 607 | 603 | 727 | 686 | 804 |
| Tax % | 22% | 26% | 18% | 22% | 24% | 22% | 22% | 21% | 22% | 22% | 22% | 22% | 22% |
| Net Profit | 263 | 272 | 283 | 353 | 384 | 347 | 444 | 439 | 472 | 471 | 567 | 532 | 626 |
| EPS in Rs | 10.14 | 10.50 | 10.90 | 13.59 | 14.81 | 13.34 | 17.09 | 16.89 | 18.15 | 18.14 | 21.82 | 20.44 | 24.05 |
| Gross NPA % | 6.05% | 4.86% | 3.83% | 3.76% | 1.78% | 1.73% | 1.50% | 1.35% | 1.24% | 1.19% | 1.08% | 1.06% | 1.04% |
| Net NPA % | 3.59% | 3.22% | 2.76% | 2.58% | 1.19% | 1.14% | 0.95% | 0.92% | 0.84% | 0.80% | 0.69% | 0.69% | 0.69% |
Last Updated: December 29, 2025, 3:09 pm
Below is a detailed analysis of the quarterly data for PNB Housing Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 1,267.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,235.00 Cr. (Jun 2025) to 1,267.00 Cr., marking an increase of 32.00 Cr..
- For Expenses, as of Sep 2025, the value is 84.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 136.00 Cr. (Jun 2025) to 84.00 Cr., marking a decrease of 52.00 Cr..
- For Other Income, as of Sep 2025, the value is 4.00 Cr.. The value appears to be declining and may need further review. It has decreased from 7.00 Cr. (Jun 2025) to 4.00 Cr., marking a decrease of 3.00 Cr..
- For Depreciation, as of Sep 2025, the value is 16.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 15.00 Cr. (Jun 2025) to 16.00 Cr., marking an increase of 1.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 804.00 Cr.. The value appears strong and on an upward trend. It has increased from 686.00 Cr. (Jun 2025) to 804.00 Cr., marking an increase of 118.00 Cr..
- For Tax %, as of Sep 2025, the value is 22.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 22.00%.
- For Net Profit, as of Sep 2025, the value is 626.00 Cr.. The value appears strong and on an upward trend. It has increased from 532.00 Cr. (Jun 2025) to 626.00 Cr., marking an increase of 94.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 24.05. The value appears strong and on an upward trend. It has increased from 20.44 (Jun 2025) to 24.05, marking an increase of 3.61.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:49 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 | 7,016 | 7,651 | 8,184 |
| Interest | 802 | 1,265 | 1,860 | 2,644 | 3,537 | 5,167 | 5,876 | 5,100 | 4,066 | 3,901 | 4,264 | 4,553 | 4,839 |
| Expenses | 136 | 213 | 320 | 442 | 693 | 708 | 1,719 | 1,235 | 964 | 1,173 | 737 | 557 | 494 |
| Financing Profit | 183 | 303 | 518 | 822 | 1,258 | 1,606 | 884 | 1,230 | 1,111 | 1,416 | 2,015 | 2,542 | 2,852 |
| Financing Margin % | 16% | 17% | 19% | 21% | 23% | 21% | 10% | 16% | 18% | 22% | 29% | 33% | 35% |
| Other Income | -0 | -0 | 1 | 0 | 0 | 4 | 7 | 15 | 5 | 2 | 7 | 10 | 28 |
| Depreciation | 3 | 8 | 15 | 19 | 24 | 31 | 66 | 59 | 53 | 51 | 51 | 56 | 60 |
| Profit before tax | 179 | 294 | 503 | 804 | 1,235 | 1,578 | 825 | 1,187 | 1,063 | 1,367 | 1,972 | 2,496 | 2,820 |
| 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 | 2,197 |
| 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 | 84.45 |
| 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: December 4, 2025, 1:48 am
| 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 66 | 104 | 127 | 166 | 167 | 167 | 168 | 168 | 169 | 169 | 260 | 260 | 261 |
| Reserves | 868 | 1,475 | 2,019 | 5,412 | 6,402 | 7,268 | 7,779 | 8,699 | 9,632 | 10,784 | 14,673 | 16,574 | 17,724 |
| Borrowing | 10,108 | 16,481 | 26,014 | 35,497 | 53,777 | 71,859 | 67,736 | 59,394 | 53,005 | 53,621 | 55,017 | 62,310 | 65,168 |
| Other Liabilities | 498 | 976 | 1,511 | 1,885 | 2,673 | 4,456 | 3,191 | 3,072 | 2,844 | 2,231 | 2,422 | 3,353 | 2,631 |
| 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 | 85,784 |
| Fixed Assets | 26 | 40 | 58 | 58 | 255 | 102 | 250 | 181 | 150 | 146 | 206 | 239 | 258 |
| CWIP | 3 | 18 | 4 | 2 | 10 | 5 | 4 | 2 | 4 | 3 | 15 | 16 | 3 |
| Investments | 645 | 1,586 | 1,622 | 3,280 | 2,413 | 4,457 | 2,048 | 2,033 | 3,472 | 3,188 | 4,345 | 3,381 | 3,114 |
| 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 | 82,408 |
| 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 | 85,784 |
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.
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 | 911.00 | -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 |
|---|---|---|---|---|---|---|
| Nippon India Small Cap Fund | 4,338,237 | 0.57 | 392.74 | 2,232,891 | 2025-12-08 05:00:48 | 94.29% |
| Bandhan Small Cap Fund | 2,950,271 | 1.47 | 267.09 | 2,768,271 | 2025-12-15 06:52:35 | 6.57% |
| Kotak Multicap Fund | 2,668,646 | 1.08 | 241.59 | N/A | N/A | N/A |
| Aditya Birla Sun Life Large Cap Fund | 2,575,890 | 0.74 | 233.2 | N/A | N/A | N/A |
| HSBC Small Cap Fund | 2,566,200 | 1.43 | 232.32 | N/A | N/A | N/A |
| HSBC Value Fund | 2,462,500 | 1.53 | 222.93 | N/A | N/A | N/A |
| Canara Robeco Small Cap Fund | 2,359,713 | 1.64 | 213.62 | N/A | N/A | N/A |
| Franklin India Small Cap Fund | 2,256,472 | 1.51 | 204.28 | N/A | N/A | N/A |
| Tata Value Fund | 2,238,166 | 2.24 | 202.62 | N/A | N/A | N/A |
| Aditya Birla Sun Life PSU Equity Fund | 1,957,141 | 3.15 | 177.18 | N/A | N/A | N/A |
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
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: 11.8 (Industry average Stock P/E: 11.67)
- 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 | Contact not found |
| 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 04 January 2026) is ₹805.18 which is 19.32% lower the current market price of ₹998.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹25,999 Cr. market cap, FY2025-2026 high/low of ₹1,142/746, 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 25,999 Cr..
What is the current Stock Price of PNB Housing Finance Ltd as on 04 January 2026?
The current stock price of PNB Housing Finance Ltd as on 04 January 2026 is ₹998.
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 11.8.
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 0.50 %.
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.