PNBHOUSING
PNB Housing Finance Limited (PNBHOUSING) Stock Analysis
PNB Housing Finance Limited provides home loans and housing finance to retail and developer customers in India. It originates mortgages through branches and digital channels. The company is a housing finance company linked to PNB. It is listed on Indian stock exchanges.
Financial Services › Mortgage Finance
₹1,138.60
-3.42% 1W | +31.90% 52W
Market Cap
29.7k CR
P/E Ratio
12.8
52W High
₹1211.5
52W Low
₹729.6
Div. Yield
0.71%
Beta
0.3
50 DMA
₹1131
200 DMA
₹981.7
Profit Margin
61.4%
Inst. Own.
59.8%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,708 | 1,778 | 1,755 | 1,810 | 1,823 | 1,879 | 1,942 | 2,022 | 2,076 | 2,128 | 2,119 | 2,182 | 2,263 |
| Interest | 1,048 | 1,057 | 1,087 | 1,070 | 1,097 | 1,118 | 1,158 | 1,178 | 1,234 | 1,267 | 1,253 | 1,246 | 1,339 |
| Expenses | 201 | 204 | 216 | 170 | 168 | 143 | 155 | 133 | 145 | 88 | 183 | 52 | 192 |
| Financing Profit | 459 | 517 | 452 | 570 | 559 | 618 | 629 | 711 | 697 | 773 | 683 | 883 | 733 |
| Financing Margin % | 27% | 29% | 26% | 31% | 31% | 33% | 32% | 35% | 34% | 36% | 32% | 40% | 32% |
| Other Income | 0 | 2 | 1 | 4 | 9 | 1 | 1 | 15 | 6 | 3 | 2 | -10 | 2 |
| Depreciation | 13 | 11 | 13 | 14 | 13 | 14 | 14 | 14 | 15 | 16 | 16 | 19 | 16 |
| Profit before tax | 447 | 507 | 440 | 560 | 554 | 605 | 616 | 711 | 688 | 760 | 668 | 855 | 718 |
| Tax % | 22% | 24% | 23% | 22% | 22% | 22% | 22% | 23% | 22% | 23% | 22% | 23% | 22% |
| Net Profit | 347 | 383 | 338 | 439 | 433 | 470 | 483 | 550 | 534 | 582 | 520 | 656 | 557 |
| EPS in Rs | 13.38 | 14.75 | 13.03 | 16.91 | 16.66 | 18.08 | 18.60 | 21.17 | 20.51 | 22.33 | 19.97 | 25.17 | 21.39 |
| Gross NPA % | 1.24% | 1.19% | 1.06% | 1.04% | 1.04% | 0.93% | 0.95% | ||||||
| Net NPA % | 0.84% | 0.80% | 0.69% | 0.69% | 0.68% | 0.57% | 0.58% |
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,489 | 7,679 | 8,482 | 7,604 | 6,196 | 6,527 | 7,053 | 7,685 | 8,494 | 8,692 |
| Interest | 3,537 | 5,167 | 5,875 | 5,100 | 4,065 | 3,900 | 4,263 | 4,552 | 5,001 | 5,104 |
| Expenses | 693 | 750 | 1,737 | 1,254 | 998 | 1,217 | 789 | 598 | 467 | 515 |
| Financing Profit | 1,258 | 1,762 | 870 | 1,250 | 1,133 | 1,410 | 2,001 | 2,535 | 3,027 | 3,073 |
| Financing Margin % | 23% | 23% | 10% | 16% | 18% | 22% | 28% | 33% | 36% | 35% |
| Other Income | 0 | 4 | 7 | 16 | 5 | 2 | 4 | 6 | 10 | -3 |
| Depreciation | 24 | 31 | 66 | 59 | 53 | 51 | 51 | 56 | 66 | 68 |
| Profit before tax | 1,235 | 1,734 | 811 | 1,207 | 1,084 | 1,361 | 1,954 | 2,486 | 2,971 | 3,001 |
| Tax % | 32% | 31% | 20% | 23% | 23% | 23% | 23% | 22% | 23% | |
| Net Profit | 841 | 1,192 | 646 | 930 | 836 | 1,046 | 1,508 | 1,936 | 2,291 | 2,315 |
| EPS in Rs | 32.86 | 46.29 | 25.00 | 35.96 | 32.28 | 40.31 | 58.06 | 74.49 | 87.94 | 88.86 |
| Dividend Payout % | 18% | 13% | 0% | 0% | 0% | 0% | 0% | 7% | 9% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 9.0% | 2.0% | – |
| Profit CAGR | 30.0% | 20.0% | – |
Shareholding Pattern
Promoters28.08%
FIIs24.18%
DIIs37.99%
Public9.74%
Promoters28.04%
FIIs18.61%
DIIs40.68%
Public12.65%
Promoters28.04%
FIIs17.22%
DIIs43.02%
Public11.69%
Promoters28.04%
FIIs16.60%
DIIs44.07%
Public11.28%
Promoters28.03%
FIIs16.81%
DIIs45.71%
Public9.42%
Promoters32.52%
FIIs24.29%
DIIs3.65%
Public39.53%
Promoters28.13%
FIIs25.00%
DIIs6.88%
Public39.98%
Promoters28.10%
FIIs21.45%
DIIs29.88%
Public20.57%
Promoters28.04%
FIIs16.60%
DIIs44.07%
Public11.28%
Promoters28.03%
FIIs16.81%
DIIs45.71%
Public9.42%
PNBHOUSING
Holdings Analysis
Key strengths & risk signals
75
Overall
71
Fundamental
80
Technical
Risks (2)
VERY HIGH DEBT! D/E of 2.66 - significant risk.
WEAK MOMENTUM! Limited price growth - -3.4% (1 week), -1.1% (1 month), 11.4% (3 months).
Strengths (4)
EXCELLENT EFFICIENCY! 61.4% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (1131.0) is above 200-day average (981.7) - positive signal.
GOOD YEAR! Stock gained 31.9% in the last year.
STRONG! Trading at 84.9% of 52W range - near yearly highs.
Fundamental & Technical Analysis
75Overall
71Fundamental
80Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 12.5% (GOOD, 11/15). Profit CAGR: 29.9% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 61.4% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.43 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.71% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 2.66 - significant risk.
Public Holding
10/20
SIGNIFICANT PUBLIC HOLDING! 39.48% public ownership - moderate retail influence.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (1131.0) is above 200-day average (981.7) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (1138.6) is above both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
10/10
GOOD YEAR! Stock gained 31.9% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 1,282,346 vs down days: 906,285. Ratio: 1.41x
RSI
3/5
NEUTRAL! RSI at 49.6 - balanced momentum.
52W Range
5/5
STRONG! Trading at 84.9% of 52W range - near yearly highs.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - -3.4% (1 week), -1.1% (1 month), 11.4% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
PNBHOUSING
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-07 | Concall PDF | |
| Q4FY262026-04-25 | Concall PDF | |
| Q2FY262026-01-27 | Concall PDF | |
| Q1FY262025-10-30 | Concall PDF |
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PNBHOUSING | ₹1,138.60 | 12.8 | 61.4% | 12.5% | 29.9% | +31.9% | 75 | BREAKDOWN | +4.5% | -15.0% | +9.4% | +0.2% |
| LICHSGFIN | ₹569.50 | 5.5 | 65.2% | 10.3% | 24.7% | -6.7% | 75 | HIT RESISTANCE | +9.9% | +0.4% | -2.4% | -12.6% |
| AADHARHFC | ₹465.70 | 18.1 | 48.2% | 21.7% | 26.2% | -12.5% | 72 | HIT RESISTANCE | +19.0% | -9.2% | +15.6% | +2.9% |
| BAJAJHFL | ₹83.90 | 26 | 63.2% | 25.5% | 26.7% | -24.4% | 73 | BREAKOUT | +22.6% | +6.9% | +17.9% | +5.1% |
| SAMMAANCAP | ₹142.80 | – | – | 21.0% | – | +2.0% | 50 | APPROACHING SUPPORT | -27.2% | -103.0% | -30.1% | +0.1% |
| HOMEFIRST | ₹1,260.00 | 22.8 | 51.4% | 33.7% | 33.3% | -1.9% | 78 | BREAKOUT | +34.5% | +7.0% | +17.4% | +7.0% |
| APTUS | ₹237.00 | 12.1 | 61.8% | 23.0% | 23.3% | -26.4% | 72 | BREAKOUT | +19.0% | 0.0% | +19.3% | +1.9% |
| AAVAS | ₹1,321.70 | 15.3 | 42.5% | 18.8% | 15.1% | -23.5% | 71 | APPROACHING RESISTANCE | +23.1% | -5.7% | +12.2% | +2.4% |
Data from TradeAlone · Updated daily
