PNB Housing Finance Limited
PNB Housing Finance Limited (PNBHOUSING) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Finance›Housing Finance Company
Key metrics
Price as of 2026-09-03
Stock price
₹1145.50
Market cap
29,847 Cr
Stock P/E
13.2
P/B
1.55
Dividend yield
0.4%
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 646 Cr | 593 Cr | 623 Cr | 642 Cr | 662 Cr | 691 Cr | 728 Cr | 746 Cr | 750 Cr | 767 Cr | 808 Cr | 800 Cr |
| Other income | 2 Cr | 1 Cr | 4 Cr | 9 Cr | 0.98 Cr | 1 Cr | 15 Cr | 6 Cr | 3 Cr | 2 Cr | -10 Cr | 2 Cr |
| Net operating income | 647 Cr | 594 Cr | 627 Cr | 651 Cr | 663 Cr | 692 Cr | 743 Cr | 752 Cr | 753 Cr | 768 Cr | 798 Cr | 802 Cr |
| Employee cost | 85 Cr | 81 Cr | 91 Cr | 109 Cr | 109 Cr | 98 Cr | 105 Cr | 118 Cr | 109 Cr | 134 Cr | 126 Cr | 135 Cr |
| Other expenses | 71 Cr | 72 Cr | 71 Cr | 67 Cr | 76 Cr | 90 Cr | 88 Cr | 80 Cr | 91 Cr | 87 Cr | 99 Cr | 83 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 11 Cr | 13 Cr | 14 Cr | 13 Cr | 14 Cr | 14 Cr | 14 Cr | 15 Cr | 16 Cr | 16 Cr | 19 Cr | 16 Cr |
| Profit before tax | 507 Cr | 440 Cr | 560 Cr | 554 Cr | 605 Cr | 616 Cr | 711 Cr | 688 Cr | 760 Cr | 668 Cr | 855 Cr | 718 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 profit | 383 Cr | 338 Cr | 439 Cr | 433 Cr | 470 Cr | 483 Cr | 550 Cr | 534 Cr | 582 Cr | 520 Cr | 656 Cr | 557 Cr |
| EPS (₹) | ₹0.00 | ₹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
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 1,626 Cr | 1,813 Cr | 2,090 Cr | 1,758 Cr | 2,301 Cr | 2,481 Cr | 2,722 Cr | 3,071 Cr | Sign in for TTM |
| Other income | 4 Cr | 8 Cr | 20 Cr | 5 Cr | 2 Cr | 7 Cr | 26 Cr | 0.52 Cr | Sign in for TTM |
| Net operating income | 1,630 Cr | 1,821 Cr | 2,110 Cr | 1,762 Cr | 2,303 Cr | 2,488 Cr | 2,749 Cr | 3,071 Cr | Sign in for TTM |
| Employee cost | 304 Cr | 233 Cr | 211 Cr | 217 Cr | 266 Cr | 337 Cr | 421 Cr | 487 Cr | Sign in for TTM |
| Other expenses | 204 Cr | 244 Cr | 173 Cr | 195 Cr | 250 Cr | 270 Cr | 322 Cr | 356 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 31 Cr | 66 Cr | 59 Cr | 53 Cr | 51 Cr | 51 Cr | 56 Cr | 66 Cr | Sign in for TTM |
| Profit before tax | 1,734 Cr | 811 Cr | 1,207 Cr | 1,084 Cr | 1,361 Cr | 1,954 Cr | 2,486 Cr | 2,971 Cr | Sign in for TTM |
| Tax % | 31.3% | 20.3% | 23.0% | 22.8% | 23.1% | 22.8% | 22.1% | 22.9% | Sign in for TTM |
| Net profit | 1,192 Cr | 646 Cr | 930 Cr | 836 Cr | 1,046 Cr | 1,508 Cr | 1,936 Cr | 2,291 Cr | Sign in for TTM |
| EPS (₹) | ₹71.19 | ₹38.45 | ₹55.29 | ₹49.64 | ₹62.01 | ₹58.37 | ₹74.52 | ₹88.01 | Sign in for TTM |
| Dividend payout % | — | — | — | 0.0% | 0.0% | 0.0% | 0.0% | 5.7% | Sign in for TTM |
Sign in for TTM
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 167 Cr | 168 Cr | 168 Cr | 169 Cr | 169 Cr | 260 Cr | 260 Cr | 261 Cr |
| Reserves | 7,376 Cr | 7,830 Cr | 8,755 Cr | 9,703 Cr | 10,845 Cr | 14,715 Cr | 16,603 Cr | 18,959 Cr |
| Borrowings | 71,859 Cr | 67,735 Cr | 59,392 Cr | 53,005 Cr | 53,621 Cr | 55,017 Cr | 62,310 Cr | 71,199 Cr |
| Other liabilities | 4,466 Cr | 3,197 Cr | 3,077 Cr | 2,853 Cr | 2,238 Cr | 2,414 Cr | 3,348 Cr | 3,094 Cr |
| Total liabilities | 83,869 Cr | 78,930 Cr | 71,392 Cr | 65,730 Cr | 66,874 Cr | 72,405 Cr | 82,520 Cr | 93,512 Cr |
| Fixed assets (net) | 78 Cr | 105 Cr | 82 Cr | 71 Cr | 132 Cr | 67 Cr | 82 Cr | 241 Cr |
| CWIP | 4 Cr | 1 Cr | 0.01 Cr | 0 Cr | 0.08 Cr | 5 Cr | 5 Cr | 1 Cr |
| Investments | 4,561 Cr | 2,076 Cr | 2,045 Cr | 3,483 Cr | 3,197 Cr | 4,347 Cr | 3,381 Cr | 2,779 Cr |
| Loans & advances | 74,288 Cr | 66,628 Cr | 60,645 Cr | 55,336 Cr | 57,840 Cr | 64,108 Cr | 74,645 Cr | 86,433 Cr |
| Trade receivables | 39 Cr | 45 Cr | 45 Cr | 43 Cr | 13 Cr | 51 Cr | 50 Cr | 47 Cr |
| Cash & bank | 4,034 Cr | 8,514 Cr | 6,969 Cr | 5,066 Cr | 3,678 Cr | 2,142 Cr | 2,160 Cr | 2,483 Cr |
| Other assets | 865 Cr | 1,560 Cr | 1,607 Cr | 1,731 Cr | 2,015 Cr | 1,684 Cr | 2,197 Cr | 1,527 Cr |
| Total assets | 83,869 Cr | 78,930 Cr | 71,392 Cr | 65,730 Cr | 66,874 Cr | 72,405 Cr | 82,520 Cr | 93,512 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | — | — | 6,256 Cr | -1,865 Cr | -4,662 Cr | -8,057 Cr | -8,984 Cr |
| Cash from investing | — | — | — | -1,475 Cr | 176 Cr | -1,186 Cr | 757 Cr | 684 Cr |
| Cash from financing | — | — | — | -6,684 Cr | 301 Cr | 4,179 Cr | 7,404 Cr | 8,720 Cr |
| Net cash flow | — | — | — | -1,903 Cr | -1,388 Cr | -1,669 Cr | 104 Cr | 421 Cr |
| Free cash flow (OCF − Capex) | — | — | — | 6,241 Cr | -1,878 Cr | -4,701 Cr | -8,106 Cr | -9,017 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| ROCE % | 8.7% | 8.8% | 70.7% | 8.2% | 8.1% | 8.9% | 8.9% | 8.8% |
| ROE % | 15.8% | 8.0% | 0.0% | 8.9% | 9.5% | 10.1% | 11.5% | 11.9% |
| Debtor days | 2 | 2 | 2 | 3 | 1 | 3 | 2 | 2 |
| Inventory days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — | — |
| Cash conversion cycle | 2 | 2 | 2 | 3 | 1 | 3 | 2 | 2 |
| Debt / equity | 9.53 | 8.47 | 0.00 | 5.37 | 4.87 | 3.67 | 3.70 | 3.70 |
| Current ratio | — | — | — | — | — | — | — | — |
| Net debt / EBITDA | 9.79 | 0.00 | 0.00 | 0.00 | 9.41 | 8.45 | 8.51 | 8.55 |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Gross NPA | — | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — | — |
| Net NPA | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — | — |
| CET1 % | — | — | — | — | — | — | — | — |
| Additional Tier 1 % | — | — | — | — | — | — | — | — |
| Capital adequacy % | — | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — | — |
| ROA % | — | — | — | — | — | — | — | — |
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