Share Price and Basic Stock Data
Last Updated: February 10, 2026, 9:18 pm
| PEG Ratio | 0.46 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
PNB Housing Finance Ltd operates in the housing finance sector and reported a stock price of ₹855 with a market capitalization of ₹22,264 Cr. The company has demonstrated a consistent upward trend in revenue, which stood at ₹6,491 Cr for the year ending March 2023, and is projected to rise to ₹7,651 Cr by March 2025. The quarterly revenue figures also reflect this growth trajectory, with revenues reported at ₹1,787 Cr in December 2022 and climbing to ₹1,801 Cr by March 2024. The financing profit margin exhibited a notable increase, rising from 21% in December 2022 to 36% by March 2025, indicating improved operational efficiency. However, the company faced fluctuations in quarterly revenue, with a low of ₹1,627 Cr in March 2023, underscoring a need to stabilize revenue streams amidst market volatility. Overall, PNB Housing Finance’s revenue performance positions it favorably within the housing finance sector, yet the company must navigate potential market headwinds to sustain this growth.
Profitability and Efficiency Metrics
PNB Housing Finance reported a net profit of ₹1,056 Cr for the year ending March 2023, which is expected to increase to ₹1,949 Cr by March 2025. The net profit margin improved significantly, rising from 16.02% in March 2023 to 25.25% in March 2025, showcasing enhanced profitability. The return on equity (ROE) stood at 10% for March 2023 and is projected to stabilize at 12% in subsequent years, reflecting consistent shareholder returns. Moreover, the interest coverage ratio (ICR) improved from 1.36x in March 2023 to 1.56x in March 2025, indicating better ability to meet interest obligations. The gross non-performing assets (NPA) ratio demonstrated a commendable decline from 4.86% in December 2022 to 1.04% by September 2025, illustrating effective risk management and asset quality improvements. While these metrics highlight a strong profitability profile, fluctuations in quarterly expenses, which reached ₹409 Cr in December 2022 but reduced to ₹84 Cr by September 2025, warrant ongoing scrutiny to maintain this upward trajectory.
Balance Sheet Strength and Financial Ratios
As of March 2025, PNB Housing Finance reported total assets of ₹82,497 Cr, with a significant increase from ₹66,805 Cr in March 2023. Reserves also grew from ₹10,784 Cr in March 2023 to ₹16,574 Cr by March 2025, indicating a strengthening capital base. The company’s total debt to equity ratio was reported at 3.69x as of March 2025, which remains high compared to typical sector norms, suggesting a reliance on debt financing. However, the recent trend in the long-term debt to equity ratio has improved significantly, standing at 0.00x, indicating a shift towards a more balanced capital structure. Additionally, the price-to-book value ratio stood at 1.36x, showing a premium valuation relative to its book value, which was ₹648.76 per share as of March 2025. The improvement in key financial ratios, such as return on capital employed (ROCE) at 41.10% and interest coverage ratio at 1.56x, further underscores the company’s operational efficiency and financial health, although high leverage remains a concern.
Shareholding Pattern and Investor Confidence
PNB Housing Finance’s shareholding structure indicates a diversified investor base, with promoters holding 28.04% of shares and foreign institutional investors (FIIs) accounting for 18.61%. Domestic institutional investors (DIIs) have notably increased their stake to 40.68%, reflecting growing institutional confidence. The company has also seen an increase in the number of shareholders, which reached 2,24,183 by September 2025, up from 1,18,147 in December 2022. This growth in the shareholder base is a positive sign of investor interest and confidence in the company’s future prospects. However, the declining promoter stake from 32.53% in December 2022 to 28.04% raises questions about long-term commitment and may influence market sentiment. Additionally, the public stake sharply decreased from 40.85% in December 2022 to 12.65% by September 2025, indicating a shift in ownership dynamics that could impact liquidity and public perception. Overall, while the changing shareholding pattern reflects evolving investor sentiment, it also poses risks that need to be monitored closely.
Outlook, Risks, and Final Insight
PNB Housing Finance is on a growth trajectory with promising revenue and profitability metrics. However, the high total debt to equity ratio of 3.69x and the declining promoter stake pose significant risks. The company must focus on enhancing operational efficiencies while managing its leverage carefully to mitigate financial risks. The continuous improvement in asset quality, as evidenced by declining NPA ratios, indicates effective risk management strategies in place. Looking ahead, the company has opportunities to strengthen its market position through strategic partnerships and expanding its product offerings. Yet, it must remain vigilant against potential market fluctuations and changes in regulatory environments that could impact its operations. If PNB Housing Finance successfully navigates these challenges, it stands to benefit from the growing housing finance market in India, leveraging its established brand and improving financial metrics to drive future growth.
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 | 42.9 Cr. | 42.9 | 49.7/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 12,260 Cr. | 1,177 | 1,519/839 | 24.7 | 386 | 0.31 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 12,929 Cr. | 258 | 365/256 | 14.5 | 93.0 | 1.74 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,604 Cr. | 416 | 464/308 | 5.94 | 557 | 1.08 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 22,264 Cr. | 855 | 1,142/746 | 9.91 | 690 | 0.58 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,037.90 Cr | 413.07 | 10.72 | 331.84 | 1.05% | 48.21% | 13.33% | 5.64 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,787 | 1,627 | 1,699 | 1,766 | 1,748 | 1,801 | 1,813 | 1,868 | 1,923 | 2,030 | 2,064 | 2,168 | 2,110 |
| Interest | 997 | 1,008 | 1,048 | 1,058 | 1,087 | 1,070 | 1,097 | 1,119 | 1,158 | 1,178 | 1,235 | 1,267 | 1,253 |
| Expenses | 409 | 261 | 187 | 190 | 206 | 156 | 153 | 130 | 149 | 125 | 136 | 84 | 174 |
| Financing Profit | 381 | 358 | 464 | 519 | 455 | 575 | 563 | 619 | 615 | 726 | 693 | 816 | 683 |
| Financing Margin % | 21% | 22% | 27% | 29% | 26% | 32% | 31% | 33% | 32% | 36% | 34% | 38% | 32% |
| Other Income | 0 | 1 | 0 | 2 | 3 | 5 | 9 | 2 | 2 | 15 | 7 | 4 | 2 |
| Depreciation | 13 | 13 | 13 | 11 | 13 | 14 | 13 | 14 | 14 | 14 | 15 | 16 | 16 |
| Profit before tax | 369 | 346 | 451 | 509 | 445 | 566 | 559 | 607 | 603 | 727 | 686 | 804 | 669 |
| Tax % | 26% | 18% | 22% | 24% | 22% | 22% | 21% | 22% | 22% | 22% | 22% | 22% | 22% |
| Net Profit | 272 | 283 | 353 | 384 | 347 | 444 | 439 | 472 | 471 | 567 | 532 | 626 | 521 |
| EPS in Rs | 10.50 | 10.90 | 13.59 | 14.81 | 13.34 | 17.09 | 16.89 | 18.15 | 18.14 | 21.82 | 20.44 | 24.05 | 20.00 |
| 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.
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 | 4,340,372 | 0.6 | 412.99 | 4,338,237 | 2026-01-25 02:17:23 | 0.05% |
| HSBC Small Cap Fund | 3,243,100 | 1.93 | 308.58 | 2,566,200 | 2026-01-26 03:05:13 | 26.38% |
| HSBC Value Fund | 3,092,200 | 1.99 | 294.22 | 2,462,500 | 2026-01-24 00:18:36 | 25.57% |
| Aditya Birla Sun Life Large Cap Fund | 3,017,240 | 0.91 | 287.09 | 2,575,890 | 2026-01-26 05:24:40 | 17.13% |
| Bandhan Small Cap Fund | 2,992,271 | 1.5 | 284.71 | 2,950,271 | 2026-01-26 08:21:04 | 1.42% |
| Kotak Multicap Fund | 2,668,646 | 1.1 | 253.92 | N/A | N/A | N/A |
| Canara Robeco Small Cap Fund | 2,359,713 | 1.71 | 224.53 | N/A | N/A | N/A |
| Franklin India Small Cap Fund | 2,256,472 | 1.62 | 214.7 | N/A | N/A | N/A |
| Tata Value Fund | 2,238,166 | 2.35 | 212.96 | N/A | N/A | N/A |
| Aditya Birla Sun Life PSU Equity Fund | 1,957,141 | 3.3 | 186.22 | 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: 9.91 (Industry average Stock P/E: 10.72)
- 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 12 February 2026) is ₹823.15 which is 3.73% lower the current market price of ₹855.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹22,264 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 22,264 Cr..
What is the current Stock Price of PNB Housing Finance Ltd as on 12 February 2026?
The current stock price of PNB Housing Finance Ltd as on 12 February 2026 is ₹855.
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 9.91.
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 0.58 %.
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.