PNBHOUSING

PNB Housing Finance Limited

Housing finance — retail home loans and mortgage products, promoted by PNB

Financial Services›Financial Services›Finance›Housing Finance Company

Ask AI

Key metrics

Price as of 2026-10-16

Stock price
₹1167.70
Market cap
30,426 Cr
Stock P/E
13.1
P/B
1.58
Dividend yield
0.4%
ROE (FY26)
11.9%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

Loading price history…

Compare with peers

Loading peers…

What you need to know

PNB Housing Finance is a housing finance company that makes housing and non-housing loans to individuals, mainly through a retail branch network across India.

Company snapshot

2ndBy market cap

Ranked among 14 companies in Housing Finance Company.

What we see

Positives
  • ✓Net margin of 26.9% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
1 more signal from the filings.Sign in free to see them all

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income646 Cr593 Cr623 Cr642 Cr662 Cr691 Cr728 Cr746 Cr750 Cr767 Cr808 Cr800 Cr
Other income2 Cr1 Cr4 Cr9 Cr0.98 Cr1 Cr15 Cr6 Cr3 Cr2 Cr-10 Cr2 Cr
Net operating income647 Cr594 Cr627 Cr651 Cr663 Cr692 Cr743 Cr752 Cr753 Cr768 Cr798 Cr802 Cr
Employee cost85 Cr81 Cr91 Cr109 Cr109 Cr98 Cr105 Cr118 Cr109 Cr134 Cr126 Cr135 Cr
Other expenses71 Cr72 Cr71 Cr67 Cr76 Cr90 Cr88 Cr80 Cr91 Cr87 Cr99 Cr83 Cr
Provisions & contingencies————————————
Depreciation11 Cr13 Cr14 Cr13 Cr14 Cr14 Cr14 Cr15 Cr16 Cr16 Cr19 Cr16 Cr
Profit before tax507 Cr440 Cr560 Cr554 Cr605 Cr616 Cr711 Cr688 Cr760 Cr668 Cr855 Cr718 Cr
Tax %24.5%23.1%21.5%21.9%22.3%21.5%22.6%22.4%23.4%22.2%23.3%22.4%
Net profit383 Cr338 Cr439 Cr433 Cr470 Cr483 Cr550 Cr534 Cr582 Cr520 Cr656 Cr557 Cr
EPS (₹)₹14.76₹13.04₹16.91₹16.66₹18.08₹18.60₹21.18₹20.52₹22.34₹19.97₹25.17₹21.39

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income—1,626 Cr1,813 Cr2,090 Cr1,758 Cr2,301 Cr2,481 Cr2,722 Cr3,071 CrSign in free for the trailing twelve months
Other income0.56 Cr4 Cr8 Cr20 Cr5 Cr2 Cr7 Cr26 Cr0.52 CrSign in free for the trailing twelve months
Net operating income0.56 Cr1,630 Cr1,821 Cr2,110 Cr1,762 Cr2,303 Cr2,488 Cr2,749 Cr3,071 CrSign in free for the trailing twelve months
Employee cost137 Cr304 Cr233 Cr211 Cr217 Cr266 Cr337 Cr421 Cr487 CrSign in free for the trailing twelve months
Other expenses246 Cr204 Cr244 Cr173 Cr195 Cr250 Cr270 Cr322 Cr356 CrSign in free for the trailing twelve months
Provisions & contingencies—————————Sign in free for the trailing twelve months
Depreciation24 Cr31 Cr66 Cr59 Cr53 Cr51 Cr51 Cr56 Cr66 CrSign in free for the trailing twelve months
Profit before tax1,279 Cr1,734 Cr811 Cr1,207 Cr1,084 Cr1,361 Cr1,954 Cr2,486 Cr2,971 CrSign in free for the trailing twelve months
Tax %35.1%31.3%20.3%23.0%22.8%23.1%22.8%22.1%22.9%Sign in free for the trailing twelve months
Net profit829 Cr1,192 Cr646 Cr930 Cr836 Cr1,046 Cr1,508 Cr1,936 Cr2,291 CrSign in free for the trailing twelve months
EPS (₹)₹49.82₹71.19₹38.45₹55.29₹49.64₹62.01₹58.37₹74.52₹88.01Sign in free for the trailing twelve months
Dividend payout %———0.0%0.0%0.0%0.0%0.0%5.7%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital167 Cr167 Cr168 Cr168 Cr169 Cr169 Cr260 Cr260 Cr261 Cr
Reserves6,139 Cr7,376 Cr7,830 Cr8,755 Cr9,703 Cr10,845 Cr14,715 Cr16,603 Cr18,959 Cr
Borrowings50,631 Cr71,859 Cr67,735 Cr59,392 Cr53,005 Cr53,621 Cr55,017 Cr62,310 Cr71,199 Cr
Other liabilities6,863 Cr4,466 Cr3,197 Cr3,077 Cr2,853 Cr2,238 Cr2,414 Cr3,348 Cr3,094 Cr
Total liabilities63,799 Cr83,869 Cr78,930 Cr71,392 Cr65,730 Cr66,874 Cr72,405 Cr82,520 Cr93,512 Cr
Fixed assets (net)59 Cr78 Cr105 Cr82 Cr71 Cr132 Cr67 Cr82 Cr241 Cr
CWIP10 Cr4 Cr1 Cr0.01 Cr0 Cr0.08 Cr5 Cr5 Cr1 Cr
Investments2,380 Cr4,561 Cr2,076 Cr2,045 Cr3,483 Cr3,197 Cr4,347 Cr3,381 Cr2,779 Cr
Loans & advances—74,288 Cr66,628 Cr60,645 Cr55,336 Cr57,840 Cr64,108 Cr74,645 Cr86,433 Cr
Trade receivables—39 Cr45 Cr45 Cr43 Cr13 Cr51 Cr50 Cr47 Cr
Cash & bank2,817 Cr4,034 Cr8,514 Cr6,969 Cr5,066 Cr3,678 Cr2,142 Cr2,160 Cr2,483 Cr
Other assets58,533 Cr865 Cr1,560 Cr1,607 Cr1,731 Cr2,015 Cr1,684 Cr2,197 Cr1,527 Cr
Total assets63,799 Cr83,869 Cr78,930 Cr71,392 Cr65,730 Cr66,874 Cr72,405 Cr82,520 Cr93,512 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-15,673 Cr-16,617 Cr8,929 Cr7,261 Cr6,256 Cr-1,865 Cr-4,662 Cr-8,057 Cr-8,984 Cr
Cash from investing-50 Cr-54 Cr-63 Cr10 Cr-1,475 Cr176 Cr-1,186 Cr757 Cr684 Cr
Cash from financing18,474 Cr17,888 Cr-4,386 Cr53,283 Cr-6,684 Cr301 Cr4,179 Cr7,404 Cr8,720 Cr
Net cash flow2,751 Cr1,217 Cr4,480 Cr60,553 Cr-1,903 Cr-1,388 Cr-1,669 Cr104 Cr421 Cr
Free cash flow (OCF − Capex)-15,723 Cr-16,671 Cr8,866 Cr7,261 Cr6,241 Cr-1,878 Cr-4,701 Cr-8,106 Cr-9,017 Cr

Ratios

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %13.2%15.8%8.1%10.4%8.5%9.5%10.1%11.5%11.9%
Debt / equity8.039.538.476.665.374.873.673.703.70