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PNB Housing Finance Ltd

PNB Housing Finance

Large Cap•2,003 Employees•IPO 2016
Current Price
₹790.65
7.5 (0.96%)Updated
NSE :PNBHOUSING
BSE :540173
Sector :Financial Services
Valuation vs Sector
P/E Ratio
9.30vs 19.86
P/B Ratio
1.13vs 2.24
Div Yield
0.00%vs 0.55%
Today's Range
₹772.35
₹790.65
union icon
₹795.85
52 Week Range
52W Low₹750.30
52W High₹1141.90
₹790.65
union icon
Downside5.38%
Upside44.43%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

Loading chart...

Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹22,501.43 Cr
Market Cap
Total market value of company
P/E Ratio
10.29
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
1.25
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹83.78
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
6.50%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
9.44%
ROCE
Return on Capital Employed. >15% is good
Net Margin
26.19%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
14.06%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
-2.00%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
13.30%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
23.80%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
3.70
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹648.77
Book Value
Net asset value per share
Dividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
28.00%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

5 points
  • •Healthy ROE (12.20%) and impressive OPM (93.60%) indicate efficient operations.
  • •Robust quarterly profit (23.80%) and sales (13.30%) growth.

Weaknesses

5 points
  • •Substantial debt-to-equity ratio of 3.63 indicates high financial leverage.
  • •Declining promoter holding (32.57% to 28.04%) raises governance concerns.

Opportunities

5 points
  • •Expanding housing demand driven by urbanization and government initiatives.
  • •Significant increase in DII stake to 40.68% shows growing confidence.

Threats

5 points
  • •Intense competition from established players could pressure margins and growth.
  • •Rising interest rates could increase borrowing costs, impacting profitability.

Segment-wise Financial Analysis

Financial Results

Balance Sheet

Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format

No Balance Sheet Data Available

Standalone annual data is not available for this symbol.
Try switching to Consolidated view.

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹847.22+₹56.57+7.15%
R3₹823.72+₹33.07+4.18%
R2₹809.78+₹19.13+2.42%
R1₹800.22+₹9.57+1.21%
PIVOT₹786.28-4.37-0.55%
CURRENT₹790.65--
S1₹729.72-₹60.93-7.71%
S2₹753.22-₹37.43-4.73%
S3₹762.78-₹27.87-3.52%
S4₹776.72-₹13.93-1.76%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
8.61L
(05 Mar 2026)
+4.1% vs avg
Delivery %
50.6%
(05 Mar 2026)
-2.2% vs avg
Avg Volume (20D)
8.27L
(05 Feb - 05 Mar)
20-day average
Avg Delivery %
52.9%
(05 Feb - 05 Mar)
Trend ↓
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Bajaj Housing Finance Ltd
73,949.47 ₹ Cr
Best Profit Growth
India Shelter Finance Corporation Ltd
43.00 %
Highest Dividend Yield
GIC Housing Finance Ltd
2.81 %

Peer Comparison

Company Name
AADHARHFC
Aadhar Housing Finance Ltd
AAVAS
AAVAS Financiers Ltd
APTUS
Aptus Value Housing Finance India Ltd
BAJAJHFL
Bajaj Housing Finance Ltd
CANFINHOME
Can Fin Homes Ltd
GICHSGFIN
GIC Housing Finance Ltd
HOMEFIRST
Home First Finance Company India Ltd
IIFL
IIFL Finance Ltd
INDIASHLTR
India Shelter Finance Corporation Ltd
LICHSGFIN
LIC Housing Finance Ltd
SAMMAANCAP
Sammaan Capital Ltd

About

PNBHOUSING

PNB Housing Finance Ltd

PNB Housing Finance Limited is a prominent housing finance company operating within India. Its core business revolves around providing a diverse range of financing solutions to both individual and corporate clients. This encompasses various aspects of the real estate sector, making it a significant player in the Indian housing market.

For individual borrowers, PNB Housing Finance offers a comprehensive suite of loan products. These include home loans for the purchase, construction, renovation, or improvement of residential properties (houses, flats, etc.). The company also extends its services to Non-Resident Indians (NRIs) with specific loan products tailored to their needs, and provides loans for purchasing residential plots. Furthermore, individuals can access loans secured against existing properties (loan against property).

The company’s services are not limited to individual customers; it also caters to the corporate sector. This includes providing financing to real estate developers for various projects, facilitating their construction and development endeavors. Another significant aspect of their corporate business is lease rental discounting, a financial tool that helps companies manage their lease obligations more effectively.

Beyond its loan offerings, PNB Housing Finance also provides fixed deposit products, offering an alternative investment avenue for customers seeking relatively stable returns. This diversification allows the company to cater to a wider range of financial needs within the market, strengthening its position and client base.

In summary, PNB Housing Finance Limited’s business model is built on a foundation of providing a comprehensive portfolio of financial products related to the real estate sector. It serves both individual and corporate customers, offering a range of loans for residential and commercial properties, alongside investment options like fixed deposits. Established in 1988 and based in New Delhi, the company has a long-standing presence in the Indian housing finance market.

COMPANY FACTS - PNBHOUSING

Registered Address

9th Floor, Antriksh Bhavan,, 22 Kasturba Gandhi Marg, Near Connaught Place,

New Delhi

DELHI

IN

Tel: 911800120880

Website:https://www.pnbhousing.com

Investor Relations:http://www.pnbhousing.com/investor-relations/financials/
Company Details

Group: Financial Services

Sector: Financials

Industry: Financial Services

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 2,003

IPO Date: 07/11/2016

MANAGEMENT - PNBHOUSING

Mr. Girish Kousgi

Chief Executive Officer, Managing Director, Executive Director

Mr. Vinay Gupta

Chief Financial Officer

Mr. Anubhav Rajput

Chief Information Officer

Mr. Bhavya Taneja

Chief Marketing Officer

Ms. Veena Kamath

Compliance Officer, Company Secretary

Mr. Neeraj Manchanda

Chief Risk Officer

Mr. Jatul Anand

Chief Credit and Collections Officer

Mr. Anshul Dalela

Head - Customer Service and Operations

Mr. Dilip Jain

Non-Executive Nominee Director

Mr. D. Surendran

Additional Non-Executive Nominee Director

Dr. Tejendra Bhasin

Non-Executive Independent Director

Mr. Ramakrishnan Chandrasekaran

Non-Executive Independent Director

Investor Questions Answered

PNB Housing Finance Ltd (PNBHOUSING) Stock FAQs

Get answers to the most common questions about PNB Housing Finance Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of PNB Housing Finance Ltd (PNBHOUSING) is ₹790.65. Today, the stock has gained by ₹7.50 (0.96%), trading in a range of ₹772.35 to ₹795.85. The stock opened at ₹785.45 with a trading volume of 8,60,503 shares.
PNB Housing Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹22,501.43 crores, P/E ratio of 10.29, ROE of 6.50%, and ROCE of 9.44%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of PNB Housing Finance Ltd (PNBHOUSING) is ₹1,141.9, while the 52-week low is ₹750.3. Currently trading at ₹790.65, the stock is 10.3% away from its 52-week low and 30.8% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy PNB Housing Finance Ltd stock at ₹790.65 depends on multiple factors. The stock is currently trading with a P/E ratio of 10.29 and P/B ratio of N/A. Today's performance shows a gain of 0.96%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
PNB Housing Finance Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹790.65, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
PNB Housing Finance Ltd's key financial metrics include: P/E Ratio: 10.29, P/B Ratio: N/A, ROE: 6.50%, ROCE: 9.44%, Dividend Yield: 0.00%, EPS: ₹83.78, Book Value: ₹648.77, Debt-to-Equity: 3.70, and Current Ratio: N/A. The company's market cap stands at ₹22,501.43 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
PNB Housing Finance Ltd stock opened at ₹785.45 and is currently trading at ₹790.65, showing a gain of ₹7.50 (0.96%). The intraday high is ₹795.85 and low is ₹772.35. The trading volume stands at 8,60,503 shares, indicating moderate market participation today.
PNB Housing Finance Ltd has a Price-to-Earnings (P/E) ratio of 10.29, which means investors are willing to pay ₹10.29 for every ₹1 of earnings. With an EPS of ₹83.78, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
PNB Housing Finance Ltd has a market capitalization of ₹22,501.43 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹790.65) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
PNB Housing Finance Ltd has a book value of ₹648.77 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹790.65, which is 21.9% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
PNB Housing Finance Ltd has a Return on Equity (ROE) of 6.50% and Return on Capital Employed (ROCE) of 9.44%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
PNB Housing Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
PNB Housing Finance Ltd has a debt-to-equity ratio of 3.70, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
PNB Housing Finance Ltd has an Earnings Per Share (EPS) of ₹83.78, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹790.65 and P/E ratio of 10.29, investors are paying 10.29 times the annual earnings per share. This strong EPS indicates robust profitability. Track EPS growth over quarters to assess earnings momentum.
PNB Housing Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
PNB Housing Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze PNB Housing Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (10.29), ROE (6.50%), debt-to-equity (3.70), and growth rates. 2) Technical Analysis - Check 52-week range (₹750.30 - ₹1141.90), moving averages, and chart patterns. 3) Valuation - Compare current price (₹790.65) with book value (₹648.77) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of PNB Housing Finance Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹790.65 is 7807x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in PNB Housing Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹750.30 - ₹1141.90). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 3.70 indicates leverage. 4) Liquidity Risk - Based on trading volume of 8,60,503 shares. 5) Valuation Risk - P/E of 10.29 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
PNB Housing Finance Ltd operates in the industry with key metrics: P/E ratio of 10.29, ROE of 6.50%, market cap of ₹22,501.43 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 3.70), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for PNB Housing Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹790.65, with a 52-week range of ₹750.30 to ₹1141.90. Based on fundamentals like P/E (10.29), ROE (6.50%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling PNB Housing Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹790.65. 2) Fundamental Deterioration - Declining ROE (currently 6.50%), increasing debt (D/E: 3.70), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for PNB Housing Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.