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PNB Housing Finance Ltd Financial Statements & Historical Data

Updated NSE: PNBHOUSINGBSE: 540173
Report details
Last Updated:
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COMPANY FINANCIAL DATA

Reported figures at a glance

Stored figures, not live quotes. Price record: 9 October 2026, 9:17 pm +05:30. Financial reporting periods are shown in the tables below.

Stored share price1,158₹ per share
Reported P/E12.8Times
Book value per share738₹ per share
Reported ROCE9.44 %%
Data sources and reporting basis

Sources: Company data source. Check the company filings linked by the source for the reporting basis and exceptional items.

Different tables can have different reporting dates and accounting bases. Verify the company filings before comparing figures. Missing data is not treated as zero.

How Getaka handles sources, dates and corrections. Page revision dates describe the page, not the age of every financial figure.

Stored market and accounting figures

Price record: 9 October 2026, 9:17 pm +05:30. Not a live quote.

MeasureStored figure
Market Cap30,201 Cr.
Current Price1,158
High / Low1,212/730
Stock P/E12.8
Book Value738
Dividend Yield0.69 %
ROCE9.44 %
ROE12.9 %
Face Value10.0

Market cap is in ₹ crore; prices and per-share values are in ₹. P/E is a multiple; yield, ROCE and ROE are percentages. Book value is an accounting figure, not an estimate of the share's investment value.

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
PNB Housing Finance Ltd 30,201 Cr. 1,158 1,212/73012.8 7380.69 %9.44 %12.9 % 10.0
LIC Housing Finance Ltd 30,344 Cr. 552 598/4595.29 7531.81 %8.59 %14.4 % 2.00
Home First Finance Company India Ltd 11,211 Cr. 1,072 1,318/89419.3 4180.49 %11.1 %15.7 % 2.00
Aptus Value Housing Finance India Ltd 10,860 Cr. 217 323/19311.0 1012.07 %15.4 %20.1 % 2.00
Can Fin Homes Ltd 9,580 Cr. 718 972/7008.48 4492.09 %9.14 %19.7 % 2.00
Industry Average9,408.65 Cr402.759.48355.591.30%47.53%12.89%5.64

All Competitor Stocks of PNB Housing Finance Ltd

FINANCIALS

Quarterly performance

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Sales, expenses & profits

₹ crore

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Quarterly Chart Table

MetricJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue1,6991,7661,7481,8011,8131,8681,9232,0302,0642,1682,1102,1702,252
Interest 1,0481,0581,0871,0701,0971,1191,1581,1781,2351,2671,2531,2461,339
Expenses 1871902061561531301491251368417449185
Financing Profit464519455575563619615726693816683874728
Financing Margin %27%29%26%32%31%33%32%36%34%38%32%40%32%
Other Income 023592215742-93
Depreciation 13111314131414141516161916
Profit before tax 451509445566559607603727686804669846715
Tax % 22%24%22%22%21%22%22%22%22%22%22%23%22%
Net Profit 353384347444439472471567532626521649554
EPS in Rs 13.5914.8113.3417.0916.8918.1518.1421.8220.4424.0520.0024.9021.28
Gross NPA %3.76%1.78%1.73%1.50%1.35%1.24%1.19%1.08%1.06%1.04%1.04%0.93%0.95%
Net NPA %2.58%1.19%1.14%0.95%0.92%0.84%0.80%0.69%0.69%0.69%0.68%0.57%0.58%

Last Updated: September 29, 2026, 6:25 pm

FINANCIALS

Annual performance

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Sales, expenses & profits

₹ crore

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All reported periods

Earnings per share

₹ per share

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Supporting financial tableAll reported figures · use a chart icon for peer comparison

Profit & Loss Chart Table

Last Updated: October 4, 2026, 9:27 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue1,1201,7802,6983,9085,4887,4818,4787,5656,1416,4917,0167,6518,5008,700
Interest 8021,2651,8602,6443,5375,1675,8765,1004,0663,9014,2644,5535,0025,106
Expenses 1362133204426937081,7191,2359641,173737557442493
Financing Profit1833035188221,2581,6068841,2301,1111,4162,0152,5423,0573,101
Financing Margin %16%17%19%21%23%21%10%16%18%22%29%33%36%36%
Other Income -0-010047155271013-1
Depreciation 38151924316659535151566668
Profit before tax 1792945038041,2351,5788251,1871,0631,3671,9722,4963,0043,033
Tax % 28%34%35%35%32%31%17%22%23%23%23%22%22%
Net Profit 1301943265248421,0816829258221,0561,5271,9492,3282,351
EPS in Rs 9.459.9516.7320.5732.9042.0126.3935.7831.7240.7058.8174.9889.3490.23
Dividend Payout % 15%16%13%19%18%14%0%0%0%0%0%7%9%

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-20252025-2026
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%19.45%
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%-8.19%

PNB Housing Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 12 years from 2014-2015 to 2025-2026.

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:Not available
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

FINANCIALS

Balance sheet

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Reserves & borrowings

₹ crore

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Supporting financial tableAll reported figures · use a chart icon for peer comparison

Balance Sheet Data Table

Last Updated: September 26, 2026, 9:03 pm

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 104127166167167168168169169260260261
Reserves 1,4752,0195,4126,4027,2687,7798,6999,63210,78414,67316,57418,965
Borrowing16,48126,01435,49753,77771,85967,73659,39453,00553,62155,01762,31071,199
Other Liabilities 9761,5111,8852,6734,4563,1913,0722,8442,2312,4223,3533,109
Total Liabilities 19,03529,67142,96063,01883,75078,87471,33365,64966,80572,37182,49793,533
Fixed Assets 405858255102250181150146206239273
CWIP 1842105424315166
Investments 1,5861,6223,2802,4134,4572,0482,0333,4723,1884,3453,3812,777
Other Assets 17,39227,98739,62060,34079,18576,57269,11762,02463,46867,80478,86190,477
Total Assets 19,03529,67142,96063,01883,75078,87471,33365,64966,80572,37182,49793,533
FINANCIALS

Cash generation

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Operating & free cash flow

₹ crore

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Cash Flows

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -6,791-9,664-12,406-15,664-16,6268,9116,7316,218-1,772-4,644-8,120-8,973
Cash from Investing Activity + -37-20-17-50-53-62-6-1,476174-1,193757736
Cash from Financing Activity + 6,8509,80412,32218,46417,888-4,362-8,331-6,6843014,1797,4048,720
Net Cash Flow 22120-1012,7511,2094,486-1,606-1,942-1,297-1,65941483
Free Cash Flow -6,828-9,684-12,423-15,713-16,6798,8496,7256,203-1,786-4,683-8,168-9,005
CFO/OP -427%-399%-350%-317%-238%137%111%127%-28%-68%-109%-104%
Free cash flowAll reported figures · use a chart icon for peer comparison

Free Cash Flow Table

Free cash flow reported in the stored cash-flow statement (₹ Cr)
PeriodMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Free Cash Flow-6,828.00-9,684.00-12,423.00-15,713.00-16,679.008,849.006,725.006,203.00-1,786.00-4,683.00-8,168.00-9,005.00

This table and the chart use the Free Cash Flow row from the same stored cash-flow statement. Free cash flow generally measures operating cash flow after capital expenditure; check the source definition and reporting basis. It is not operating profit minus borrowings.

Financial efficiency feed. Source: www.screener.in. Check the source for the accounting basis. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

FINANCIALS

Financial & business efficiency

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Returns on capital & equity

%

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Supporting financial tableAll reported figures · use a chart icon for peer comparison

Financial Efficiency Data Table

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

Ownership trends

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Shareholding comparison

%

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Shareholder count

Shareholders

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Shareholding Pattern

MonthSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters 28.14%28.13%28.13%28.13%28.11%28.11%28.10%28.08%28.04%28.04%28.04%28.03%
FIIs 24.81%24.70%25.00%17.89%20.42%24.34%21.45%24.18%18.61%17.22%16.60%16.81%
DIIs 7.72%7.86%6.88%10.95%22.17%26.85%29.88%37.99%40.68%43.02%44.07%45.71%
Government 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%0.01%0.02%0.02%0.02%
Public 39.32%39.32%39.98%43.04%29.29%20.69%20.57%9.74%12.65%11.69%11.28%9.42%
No. of Shareholders 1,19,6311,24,6561,33,1771,62,9381,58,7991,83,4821,82,0701,87,5262,24,1831,99,9301,92,5121,71,742
Mutual fund holdingsReported fund ownership · Expand table

Mutual Fund Holdings Data Table

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

Alternate ratio feed. Source: www.way2wealth.com. The accounting basis and ratio definitions require verification against the source. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

FINANCIALS

Ratios from the alternate data feed

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Profitability ratios

%

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Liquidity ratios

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Interest coverage

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Valuation multiples

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Key Financial Ratios

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