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    Financial - Mortgages
PNB Housing Finance Limited

PNB Housing Finance Limited

PNBHOUSING.NS
PNB Housing Finance LimitedIN flagNational Stock Exchange of India
1,122.30
INR
+11.70
- -
292.46BMarket Cap
PNB Housing Finance Limited
PNBHOUSING.NS
(National Stock Exchange of India)

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
134.19
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
88.01
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
-346.34
- -
Free Cash Flow per Basic Share
0.5
0.5
0.78
1.15
1.89
2.82
5.98
8.99
8.99
- -
- -
- -
- -
- -
5
- -
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
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
736.82
736.74
Tangible Book Value per Share
153
153
153
153
153
172
201
202
203
203
203
197
258
260
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
224,441
247,521
196,591

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
88.01

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
5
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Business
PNB Housing Finance Limited (PNBHOUSING.NS), a leading housing finance company in India, provides a comprehensive range of retail mortgage products including home loans for purchase, construction, extension, and renovation; affordable housing loans; loans against property for purposes such as business expansion, education, and medical expenses; non-home loans; and fixed deposits, with funding up to 90% of property value for home loans and up to 60% for loans against property. Incorporated in 1988 as a subsidiary of Punjab National Bank and headquartered in New Delhi, the company operates a pan-India branch network serving individuals, NRIs, and corporates through flexible repayment options, doorstep services, minimal documentation, and digital platforms like the ACE platform for instant approvals. It targets first-time buyers, second-home investors, and balance transfer customers across residential and commercial segments with features such as PMAY subsidies up to INR 1.80 lakhs, tenures up to 30 years, and property insurance requirements. In recent developments, PNB Housing Finance secured INR 2,301 crore in investments from global players including Morgan Stanley, Societe Generale, and Ghisallo Master Fund LP in late 2024, strengthening its capital base and investor profile; plans to raise up to INR 5,000 crore via non-convertible debentures announced in 2025 to support lending expansion; reported a 28% net profit increase to INR 1,936 crore for fiscal year 2025; and completed a rights issue of approximately INR 2,500 crore in May 2023 with strong subscription, alongside milestones like deposits crossing INR 15,000 crore and inclusion in MSCI ESG Indices.