PNB Housing Finance
PNB Housing Finance Share Price Chart
PNB Housing Finance last traded at ₹1,197.00 (2026-10-13). Over the past month the stock moved +1.3%, three months the stock moved +9.6%, year the stock moved +37.7%. Its closing range over 52 weeks is ₹763.90 – ₹1,198.80, with the latest close 0.2% below the high.
Closing prices up to 2026-10-13.
About PNB Housing Finance
PNB Housing Finance offers retail customers housing and non-housing loans, including individual home loans, loan against property, non-resident property loan, among others. It is promoted by Punjab National Bank. [1]
Service Offerings The company provides loans to purchase, construct, repair, and upgrade houses. It also provides loans for commercial space, loans against property, and loans for purchasing residential plots. [1]
Fundamentals
Quarterly Results
In the latest quarter (Jun 2026), PNB Housing Finance reported sales of ₹2,252.00 crore (+9.1%) and net profit of ₹554.00 crore (+4.1%), compared with the same quarter last year.
| Period | Sales | Operating profit | OPM % | Net profit | EPS (₹) |
|---|---|---|---|---|---|
| Jun 2026 | 2,252 | 728.00 | 32.00 | 554.00 | 21.28 |
| Mar 2026 | 2,170 | 874.00 | 40.00 | 649.00 | 24.90 |
| Dec 2025 | 2,110 | 683.00 | 32.00 | 521.00 | 20.00 |
| Sep 2025 | 2,168 | 816.00 | 38.00 | 626.00 | 24.05 |
| Jun 2025 | 2,064 | 693.00 | 34.00 | 532.00 | 20.44 |
| Mar 2025 | 2,030 | 726.00 | 36.00 | 567.00 | 21.82 |
| Dec 2024 | 1,923 | 615.00 | 32.00 | 471.00 | 18.14 |
| Sep 2024 | 1,868 | 619.00 | 33.00 | 472.00 | 18.15 |
| Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| Sales growth | +5.8% | +10.0% | +12.7% | +13.8% | +16.1% | +9.7% | +6.9% | +9.1% |
| Operating profit growth | +19.3% | +35.2% | +26.3% | +23.1% | +31.8% | +11.1% | +20.4% | +5.1% |
| Net profit growth | +22.9% | +35.7% | +27.7% | +21.2% | +32.6% | +10.6% | +14.5% | +4.1% |
| EPS growth | +22.6% | +36.0% | +27.7% | +21.0% | +32.5% | +10.3% | +14.1% | +4.1% |
| OPM % | 33.0% | 32.0% | 36.0% | 34.0% | 38.0% | 32.0% | 40.0% | 32.0% |
Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.
Annual Financials
In the latest year (Mar 2026), PNB Housing Finance reported sales of ₹8,500.00 crore (+11.4%) and net profit of ₹2,328.00 crore (+19.4%), compared with the previous year.
| Period | Sales | Operating profit | OPM % | Net profit | EPS (₹) |
|---|---|---|---|---|---|
| Mar 2026 | 8,500 | 3,057 | 36.00 | 2,328 | 89.34 |
| Mar 2025 | 7,633 | 2,523 | 33.00 | 1,949 | 74.98 |
| Mar 2024 | 7,014 | 2,013 | 29.00 | 1,527 | 58.81 |
| Mar 2023 | 6,491 | 1,416 | 22.00 | 1,056 | 40.70 |
| Mar 2022 | 6,141 | 1,111 | 18.00 | 822.00 | 31.72 |
| Mar 2021 | 7,565 | 1,230 | 16.00 | 925.00 | 35.78 |
| Mar 2020 | 8,478 | 884.00 | 10.00 | 682.00 | 26.39 |
| Mar 2019 | 7,481 | 1,606 | 21.00 | 1,081 | 42.01 |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Sales growth | +36.3% | +13.3% | -10.8% | -18.8% | +5.7% | +8.1% | +8.8% | +11.4% |
| Operating profit growth | +27.7% | -45.0% | +39.1% | -9.7% | +27.5% | +42.2% | +25.3% | +21.2% |
| Net profit growth | +28.4% | -36.9% | +35.6% | -11.1% | +28.5% | +44.6% | +27.6% | +19.4% |
| EPS growth | +27.7% | -37.2% | +35.6% | -11.3% | +28.3% | +44.5% | +27.5% | +19.2% |
| OPM % | 21.0% | 10.0% | 16.0% | 18.0% | 22.0% | 29.0% | 33.0% | 36.0% |
Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.
Shareholding
AI Analysis
PNB Housing Finance is trading at ₹904.25, down 2.18% today but up 14.19% over 1 month and 23.87% over 1 year, with strong fundamentals (P/E 11.02 vs industry 15.16, TTM OPM 36%, ROE 12.9%) offset by deteriorating cash flow quality and high leverage (D/E 3.62). Recent quarters show robust profitability with NPM 24.7-29.9% and EPS growth, but negative operating cash flow (-₹8,120 Cr in Mar 2025) and rising borrowings signal capital deployment concerns typical of housing finance, warranting caution despite valuation attractiveness.
- Valuation attractive at P/E 11.02 vs industry median 15.16, suggesting 27% undervaluation relative to sector peers
- Strong and consistent profitability with TTM OPM 36%, latest quarter NPM 29.9%, and EPS growth trajectory (₹58.81 → ₹89.39 YTD)
- Top quartile sector performer (86.8 percentile rank) with 23.87% 1-year return and 14.19% 1-month momentum despite broader index volatility
- Severe cash flow deterioration with negative OCF of -₹8,120 Cr (Mar 2025) vs -₹4,644 Cr (Mar 2024), signaling accrual-heavy earnings and potential working capital stress in lending operations
- Elevated leverage with D/E ratio 3.62 and rising borrowings (₹65,168 Cr Sep 2025 vs ₹55,017 Cr Mar 2024), typical for NBFC but reduces financial flexibility amid rising rate environment
AI-generated analysis for informational purposes only — not SEBI-registered investment advice.
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PNB Housing Finance raises Rs 305 crore through NCDs
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Sona BLW, PNB Housing Finance among stocks with biggest drop in FPI holdings
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PNB Housing Finance shortlists four for MD & CEO position
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PNB Housing Finance shares in focus as Q2 PAT shoots up 24% YoY. Should you buy, sell or hold?
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PNB Housing Finance Q2 Results: Profit rises 24% to Rs 582 crore
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PNB Housing Finance Q2 profit rises 24% to ₹582 crore
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PNB Housing Finance board okays ₹5,000-crore NCD issuance
Frequently Asked Questions
What is the share price of PNB Housing Finance today?
PNB Housing Finance shares were last quoted at ₹1,197.00 (+3.4% on the day). Use the Refresh price button on this page for the latest available price. Prices are for information only.
What is the P/E ratio of PNB Housing Finance?
PNB Housing Finance has a price-to-earnings (P/E) ratio of 12.19 and a price-to-book (P/B) ratio of 1.43. The industry P/E is 12.91.
What is the 52-week high and low of PNB Housing Finance?
The 52-week high of PNB Housing Finance is ₹1,210.80 and the 52-week low is ₹730.00.
What is the market cap of PNB Housing Finance?
The market capitalisation of PNB Housing Finance is about ₹28,211.16 crore.
How did PNB Housing Finance perform in its latest quarterly results?
In the latest quarter (Jun 2026), PNB Housing Finance reported sales of ₹2,252.00 crore (+9.1%) and net profit of ₹554.00 crore (+4.1%), compared with the same quarter last year.
Is PNB Housing Finance a good stock to buy?
This page is for information and is not investment advice. As per the data shown here, PNB Housing Finance has a 3-year ROE of 12.00%, 3-year profit growth of 30.00%. Review the fundamentals, quarterly results and AI analysis on StockSpin, and consult a SEBI-registered adviser before investing.
What is the promoter holding in PNB Housing Finance?
Promoters hold about 28.03% of PNB Housing Finance.
Which sector does PNB Housing Finance belong to?
PNB Housing Finance belongs to the Finance - Housing sector.