1. India Stocks

  2. •

    Financial Services

  3. •

    Financial - Mortgages
PNB Housing Finance Limited

PNB Housing Finance Limited

PNBHOUSING.BO
PNB Housing Finance LimitedIN flagBombay Stock Exchange
1,122.30
INR
+11.85
- -
292.50BMarket Cap
PNB Housing Finance Limited
PNBHOUSING.BO
(Bombay Stock Exchange)

Recent

price

1,122.30

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
9.61
13.53
21.17
34.59
56.17
75.24
93
121.84
128.41
123.69
104.46
129.26
107.74
120.33
- -
101.02
Revenue per Share
5.05
6.06
8.46
12.66
21.3
30.41
41.85
58.96
31.85
45.79
41.11
53.21
58.37
74.52
- -
65.66
Basic EPS, GAAP
-47.71
-190.18
-237.64
-445.57
-631.91
-721.4
-781.73
-825.17
436.87
325.18
306.67
-95.63
-181.94
-312.01
- -
- -
Free Cash Flow per Basic Share
0.5
0.5
0.78
1.15
1.89
2.82
5.98
8.99
8.99
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
2.46
3.88
5
13.9
26.24
87.41
102.53
141.26
154.72
191.11
224.69
275.67
259.8
318.14
- -
10.01
Book Value per Share
26.09
40.32
60.89
102.93
139.37
336.15
325.79
372.03
392.75
438.26
484.15
559.4
578.56
647.67
- -
736.74
Tangible Book Value per Share
153
153
153
153
153
172
201
202
203
203
203
197
258
260
- -
260
Basic Weighted Avg Shares
1,473
2,074
3,245
5,301
8,608
12,958
18,693
24,622
26,057
25,117
21,252
25,411
27,836
31,264
34,935
26,303
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
10
33
83
150
186
241
314
658
590
534
514
512
559
665
501
Depreciation Expense
774
928
1,297
1,941
3,265
5,237
8,412
11,915
6,462
9,299
8,365
10,460
15,080
19,361
22,912
17,096
Net Income, GAAP
26.67
27.9
27.54
34.09
35.11
34.86
31.87
31.3
20.32
22.96
22.83
23.14
22.82
22.11
22.87
22.67
Effective Tax Rate (%)
52.58
44.75
39.97
36.61
37.93
40.42
45
48.39
24.8
37.02
39.36
41.16
54.17
61.93
65.59
65
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
35,264
57,086
85,282
118,541
190,377
255,326
424,370
579,793
517,300
427,329
354,262
364,819
373,913
448,138
531,432
531,432
LT Debt
3,999
6,180
9,341
15,787
21,459
57,996
65,673
75,439
79,978
89,230
98,716
110,139
149,744
168,631
192,191
192,191
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
191.22
190.53
134
106.15
54.91
47.17
48.48
21.56
26.49
19.79
20.94
24.86
25.85
53.75
40.1
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
- -
261
Market Capitalization
224,571
247,443
197,034

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
30,023
- -
33,392
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
30.07%
16.95%
13.97%
Free Cash Flow
-1.97%
19.62%
11.23%
Net Income, GAAP
26.67%
21.18%
18.34%
Sales/Revenue/Turnover
16.65%
7.56%
11.74%
Total Cash Common Dividend
- -
- -
-28.59%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6,568
7,196
6,650
7,423
27,836
2025
7,322
7,579
7,821
8,542
31,264
2026
8,441
- -
8,645
9,217
34,935

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
13.64
14.76
13.04
- -
58.37
2025
16.66
18.08
18.6
21.18
74.52
2026
20.52
- -
19.97
25.17
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Similar Companies
Heartland Group Holdings Limited (HGH.NZ)
Blackwell Global Holdings Limited (BGI.NZ)
MFS, Inc. (196A.T)
Atrium Mortgage Investment Corporation (AMIVF)
Australian Finance Group Limited (AFG.AX)
MCAN Mortgage Corporation (MAMTF)
Business
PNB Housing Finance Limited is a leading housing finance company in India, primarily engaged in providing retail housing loans and commercial real estate finance. Its core products and services include home loans for purchase and construction of residential properties; loan against property; home improvement loans; and loans for purchase of commercial properties. The company also offers non-housing loans, such as loans against shares and securities. It operates across India with a widespread network of branches and service points to cater to individual homebuyers, real estate developers, and institutions. Founded in 1988 and headquartered in New Delhi, PNB Housing Finance Limited is a subsidiary of Punjab National Bank, one of India's largest public sector banks. The company targets middle-income and affluent individuals as well as corporate clients in the real estate and housing sectors. It positions itself as a comprehensive provider of housing finance with a focus on affordable and middle-income housing, contributing significantly to the Indian housing finance market. In the last 1-2 years, PNB Housing Finance has undergone strategic initiatives including partnerships and business expansions to enhance its digital lending capabilities and customer reach. It has focused on strengthening its technology infrastructure for faster loan disbursal and improved customer experience. The company has also explored new product offerings tailored to the evolving needs of homebuyers and real estate developers amid changing market dynamics, supporting sustainable growth and operational efficiency. PNB Housing Finance operates primarily within India and serves customers through an extensive distribution network, including direct branches, digital platforms, and collaboration with channel partners like brokers and agents. Its business segments include retail housing loans, non-housing loans, and commercial real estate finance. The company emphasizes risk management and compliance while aligning its operations with regulatory standards imposed by Indian financial authorities. Overall, PNB Housing Finance Limited is a prominent player in India's housing finance industry, providing a wide array of loan products and related services geared towards enabling home ownership and real estate development, supported by continuous business enhancements and technological advancements within the company’s operational framework.