NSE PNBHOUSING · BSE 540173 · Consumer Financial Services · NIFTY 500

PNB Housing Finance Share Price

Market closed · NSE price as of Mon 28 Sep
₹1,085.00 ▼ −₹9.85 · 0.90%
Day range · 25 Sep
₹1,077.15Low₹1,102.75High
52-week range
₹730.00Low · 9 Mar 2026₹1,210.80High · 26 Aug 2026

PNB Housing Finance Overview

Where the price stands, how it has moved and how it sits against its averages.

PNB Housing Finance shares last traded at ₹1,085.00 on the NSE, down 0.90% on the day. That is 10.4% below the 52-week high of ₹1,210.80 and 48.6% above the 52-week low of ₹730.00. The stock trades at 12.22× earnings, below the sector average of 25.66. Its market value is ₹28,297 Cr.

NSE closing prices — daily for the last year, weekly before that — ending at the latest price (Mon 28 Sep). Hover, tap or use the arrow keys to read a day.

Price returns

1 Day▼ −0.90%
1 Week▼ −4.92%
This month▼ −5.55%
3 Months▲ +3.85%
6 Months▲ +36.54%
This year▲ +14.03%
1 Year▲ +25.56%

Share price growth a year (CAGR): 3 years ▲ +16.4% · 5 years ▲ +14.8%

Against the market: 1 Month ▼ −2.85% · 3 Months ▲ +9.77% · 6 Months ▲ +39.46% · This year ▲ +33.23% · 1 Year ▲ +36.59%

Shading grows with the size of the move. We ask our data provider for a newer price every 15 minutes while the market is open (9:15 AM–3:30 PM IST); next check from Mon 26 Oct, 9:15 AM. Its quotes are not real-time — the time at the top shows how current the price is.

Moving averages — price is above 1 of 6

  1. 20-day average₹1,152.80 ▼ price 5.9% below
  2. 10-day average₹1,142.07 ▼ price 5.0% below
  3. 50-day average₹1,131.22 ▼ price 4.1% below
  4. 5-day average₹1,128.36 ▼ price 3.8% below
  5. 100-day average₹1,087.17 ▼ price 0.2% below
  6. Today's price₹1,085.00
  7. 300-day average₹982.31 ▲ price 10.5% above

Each average is the mean closing price over that many trading days; averages above the current price sit higher on the ladder.

PNB Housing Finance Financial Results

Revenue and net profit in ₹ crore, with the full statements underneath.

Revenue₹ crore
8,505
Net profit₹ crore · losses below zero
2,291

Year by year

Fiscal yearRevenueGrowthNet profitNet marginEPSDividend
FY 2026 ₹8,505 Cr ▲ +10.9% ₹2,291 Cr 26.9% ₹87.80 ₹8.00
FY 2025 ₹7,665 Cr ▲ +8.7% ₹1,936 Cr 25.3% ₹74.25 ₹5.00
FY 2024 ₹7,050 Cr ▲ +8.0% ₹1,508 Cr 21.4% ₹58.20 —
FY 2023 ₹6,527 Cr ▲ +5.3% ₹1,046 Cr 16.0% ₹51.31 —
FY 2022 ₹6,196 Cr ▼ −18.5% ₹836 Cr 13.5% ₹41.02 —
FY 2021 ₹7,604 Cr ▼ −10.4% ₹930 Cr 12.2% ₹45.77 —
FY 2020 ₹8,482 Cr — ₹646 Cr 7.6% ₹31.81 ₹0.00

Balance sheet — FY26

Owes (liabilities)Shareholders' equity
79%
21%
  • Total assets₹93,512 Cr
  • Total liabilities₹74,293 Cr
  • Shareholders' equity₹19,219 Cr
  • Total debt₹71,369 Cr
  • Cash & investments₹2,483 Cr
  • Revenue growth, 5 yr2.26% a year
  • EPS growth, 5 yr13.91% a year
  • Operating margin (TTM)93.29%
  • Net margin (TTM)26.64%

Cash flow — FY26

Operating activities
▼ −₹8,984 Cr
Investing activities
▲ ₹684 Cr
Financing activities
▲ ₹8,720 Cr
Free cash flow
▼ −₹9,017 Cr
Net change in cash
▲ ₹421 Cr

Right of the line = cash coming in, left = cash going out. Free cash flow = cash from operations minus capital spending.

Full financial statements, FY20–FY26
₹ croreFY20FY21FY22FY23FY24FY25FY26
Total revenue8,481.847,603.926,195.936,527.337,050.087,665.358,504.52
Cost of revenue8.9211.6111.1211.5212.3413.8211.26
Gross profit8,472.927,592.316,184.816,515.817,037.747,651.538,493.26
Operating expenses1,802.981,313.561,052.121,270.04841.82490.11656.87
Operating income6,678.866,290.365,143.815,257.296,208.267,175.247,847.65
Depreciation65.8459.0053.3851.4351.1855.8966.48
Profit before tax811.011,207.031,083.961,360.911,953.902,485.772,970.61
Tax164.77277.13247.48314.91445.89549.63679.37
Net profit646.24929.90836.481,046.001,508.011,936.142,291.24
EPS (₹)31.8145.7741.0251.3158.2074.2587.80
Dividend per share (₹)0.00————5.008.00

PNB Housing Finance vs Peers

Side by side with other consumer financial services companies. The small bars compare each column.

CompanyPriceChangeMarket capP/EP/BROE (5 yr)Net marginDiv. yield
PNB Housing Finance This stock ₹1,085.00 ▼ −0.90% ₹28,297 Cr 12.22 1.47 11.41% 26.64% 0.74%
Bajaj Finance ₹995.00 ▲ +1.21% ₹6,19,483 Cr 25.01 5.76 19.79% 23.72% 0.51%
Shriram Finance ₹999.00 ▲ +0.76% ₹2,35,063 Cr 13.87 2.95 16.15% 20.94% 1.04%
Jio Financial Services ₹227.00 ▼ −0.87% ₹1,49,891 Cr 95.47 1.15 1.11% 49.84% 0.21%
Tata Capital ₹338.90 ▲ +0.74% ₹1,43,880 Cr 20.47 3.26 14.39% 15.95% 0.16%
Power Finance Corporation ₹338.70 ▼ −0.24% ₹1,11,774 Cr 5.42 1.01 20.90% 29.13% 4.58%

Peer prices and ratios as last reported by the data provider. Company names link to their own pages.

Shareholding Pattern

Who owns PNB Housing Finance shares, quarter by quarter (latest on top).

PromoterFIIMFOther
Jun '26
28.0%
16.8%
33.6%
21.5%
Mar '26
Dec '25
Sep '25
HolderSep '25Dec '25Mar '26Jun '26Change
Promoter28.04%28.04%28.04%28.03% ▼ −0.01 pts
FII18.61%17.22%16.60%16.81% ▲ +0.21 pts
MF28.89%30.01%31.11%33.62% ▲ +2.51 pts
Other24.46%24.73%24.25%21.54% ▼ −2.71 pts

PNB Housing Finance Key Metrics

Each ratio placed against a benchmark — the sector average, the company's own 5-year average, or a common rule of thumb.

PNB Housing FinanceBenchmarkRule-of-thumb bands

Valuation The price against earnings, book value and sales

P/E (TTM)Price ÷ yearly earnings per share
12.22
▼ 52% below the sector average of 25.66
P/E, 12-month rangeLow 6.74 · high 15.24
64%
Today's P/E sits 64% of the way from its low to its high
P/BPrice ÷ book value per share
1.47
P/SMarket cap ÷ last 12 months' revenue
3.26
P/CFPrice ÷ cash flow per share
11.98
PEGP/E ÷ earnings growth rate
0.63

Profitability Of every ₹100 of sales, how much is kept?

Gross marginKept after the cost of goods
99.87%
▲ above its 5-yr average of 99.83%
Operating marginKept after running costs
93.29%
▲ above its 5-yr average of 88.01%
Pre-tax marginKept before tax
34.53%
▲ above its 5-yr average of 27.42%
Net marginKept as profit
26.64%
▲ above its 5-yr average of 21.19%

Returns & efficiency How well does it use its money?

Return on equityProfit on shareholders' money
12.70%
▲ above its 5-yr average of 11.41%
Return on assetsProfit on everything it owns
2.60%
▲ above its 5-yr average of 2.06%
Return on investmentProfit on long-term capital
4.32%
▲ above its 5-yr average of 3.82%
Return on capital employedProfit before interest and tax on equity + debt
3.51%

Growth Is the business getting bigger?

Revenue — last 12 months
+9.8%
▲ growing
Revenue — 3 yr, a year
+9.2%
▲ growing
Revenue — 5 yr, a year
+2.3%
▲ growing
Net profit — 3 yr, a year
+29.9%
▲ growing (off the scale)
Net profit — 5 yr, a year
+19.8%
▲ growing
EPS — last 12 months
+13.5%
▲ growing
EPS — 3 yr, a year
+19.6%
▲ growing
EPS — 5 yr, a year
+13.9%
▲ growing
Book value — 5 yr, a year
+10.9%
▲ growing

Financial strength Can it pay its bills and debts?

Debt to equityBorrowings for every ₹1 of shareholders' money — a lender's loans are funded this way
3.71×
• Normal for a lender
Interest coverProfit before interest and tax ÷ interest on its borrowings
264.82×
✓ Strong
Payout ratioShare of profit paid as dividend
9.11%
• Keeps most

Per share What each share stands for

EPS (TTM)
₹88.66
Book value
₹737.78
Cash flow
₹91.27
Dividend
₹8.00
Revenue
₹332.89

The share price is 1.47× the book value behind each share.

Benchmarks: sector averages and 5-year averages come from the data provider; the debt and liquidity bands are common rules of thumb, not investment advice.

All 104 metrics from the data provider

Valuation

P/E excluding extraordinary items, most recent fiscal year12.47
Current Dividend Yield - Common Stock Primary Issue, LTM0.73
Price to Book - most recent fiscal year1.48
P/E Basic excluding extraordinary items - TTM11.68
P/E including extraordinary items - TTM12.34
P/E excluding extraordinary items low, trailing 12 months6.74
Price to Tangible Book - most fiscal year1.49
Price to sales - most recent fiscal year3.36
Dividend Yield - indicated annual dividend divided by closing price0.73
Price to Cash Flow per share - trailing 12 month11.98
Peg Ratio0.63
P/E Normalized, most recent fiscal year13.66
P/E excluding extraordinary items high, trailing 12 months15.24
P/E excluding extraordinary items, most recent fiscal year quarter12.34
Price to sales - trailing 12 month3.28
Net Debt, LFY6,88,859.80

Per share

Cash Flow per share - trailing 12 month91.27
Cash Flow per share - most recent fiscal year90.34
EPS including extraordinary items - trailing 12 month88.66
EPS including extraordinary items - most recent fiscal year87.80
EBITD per share - trailing 12 month299.42
Revenue/share - trailing 12 month332.89
EPS excluding extraordinary items - trailing 12 month88.66
EPS Basic excluding extraordinary items - most recent fiscal year88.01
EPS Basic excluding extraordinary items - trailing 12 month88.87
Book value per share - most recent fiscal year737.64
Dividend per share - most recent fiscal year8.00
Revenue/share - most recent fiscal year325.88
EPS Normalized - most recent fiscal year80.12
Book value (tangible) per share - most recent fiscal year736.22
Dividends per share - trailing 12 month8.00
EPS excluding extraordinary items - most recent fiscal year87.80
Cash per share - most recent fiscal year95.30

Margins

Operating margin - trailing 12 month93.29
Gross Margin - 5 year average99.83
Operating margin - 1st historical fiscal year92.28
Operating Margin - 5 year average88.01
Net Profit Margin % - 1st historical fiscal year26.94
Gross Margin - 1st historical fiscal year99.87
Net Profit Margin % - trailing 12 month26.64
Net Profit Margin - 5 year average21.19
Pretax Margin - 5 year average27.42
Pretax margin - 1st historical fiscal year34.93
Pretax margin - trailing 12 month34.53
Free Operating Cash Flow/Revenue, 5 Year Average−48.95
Gross Margin - trailing 12 month99.87

Growth

EPS Change %, TTM over TTM13.51
Revenue growth rate, 5 year2.26
EPS growth rate, 5 year13.91
Revenue Change % - most recent quarter 1 year ago9.02
Growth rate% - EPS, 3 year19.61
Revenue/share (5 yr growth)−2.73
Tangible Book Value, Total Equity, 5 Year CAGR16.60
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year Interim CAGR2.10
Capital Spending growth rate, 5 year33.76
Revenue Change %, TTM over TTM9.77
Growth rate% - Revenue, 3 year9.22
Book value per share growth rate, 5 year10.93
EPS Change % - most recent quarter 1 year ago4.30
Net Profit Margin growth rate, 5 year17.11
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR1.12
Total Debt, 5 Year CAGR3.74

Financial strength

Net Interest coverage - most recent fiscal year1.56
Free Cash Flow - most recent fiscal year−91,468.40
LT debt/equity - most recent fiscal year1.91
Payout ratio - trailing 12 month9.00
Current EV/Free Cash Flow, LFY44.40
Total debt/total equity - most recent fiscal year3.71
Net Interest coverage - trailing 12 month1.52
Payout ratio - most recent fiscal year9.10

Returns & efficiency

Return on average equity - 5 year average11.41
Net Income/employee - trailing 12 month98,30,488.00
Revenue/employee - most recent fiscal year3,77,64,300.00
Return on investment - most recent fiscal year4.32
Return on average assets - most recent fiscal year2.60
Receivables turnover - most recent fiscal year176.30
Revenue/employee - trailing 12 month3,69,08,070.00
Return on average assets - 5 year average2.06
Net Income/employee - most recent fiscal year1,01,74,250.00
Asset turnover - most recent fiscal year0.10
Return on average equity - most recent fiscal year12.70
Return on investment - 5 year average3.82

Price & volume

Market Cap28,495.44
52 week Low Date9 Mar 2026
Price - 1 Day % Change−3.86
Relative (S&P500) price percent change - 13 week9.77
Avg trading volume last 10 days1.17
Price - 13 week price percent change4.76
Price - 52 week price percent change22.99
Avg Trading Volume Last 3 months20.77
Price - 5 Day % Change−0.82
Price % Change Month To Date−4.72
Relative (S&P500) price percent change - 04 week−2.85
52 week High Date26 Aug 2026
Price - 26 week price percent change36.33
PDATE24 Sep 2026
Price - YTD price percent change15.03
Relative (S&P500) price percent change - 52 week36.59
NPRICE1,094.50
Relative (S&P500) price percent change - 26 week39.46
52 week Low729.60
52 week High1,211.50
Beta1.09
Relative (S&P500) price percent change - Year to Date33.23

Dividends & Corporate Events

Payouts to shareholders, splits and bonus issues, and company meetings — newest first.

Dividend per share₹ per share, by fiscal year
₹8.00
  • Dividend yield0.74%
  • Payout ratio9.11%
  • Latest dividend₹8.00 per share · 31 Jul 2026

Corporate calendar

  • BoardFund raising by issuance of NCD
  • MeetingAnnual General Meeting
  • BoardQuarterly Results
  • Dividend₹8.00 per share · 80% · Final dividend
  • BoardOthers
  • BoardAudited Results & Dividend
  • MeetingPostal Ballot
  • BoardQuarterly Results
Show 9 older events
  • MeetingPostal Ballot
  • BoardQuarterly Results
  • BoardOthers
  • MeetingAnnual General Meeting
  • Dividend₹5.00 per share · 50% · Final dividend
  • BoardQuarterly Results & Others
  • MeetingPostal Ballot
  • MeetingAnnual General Meeting
  • RightsRights issue of equity share

About PNB Housing Finance

Consumer Financial Services

PNB Housing Finance Limited is an India-based Non-Banking Financial Company - Housing Finance Company (NBFC-HFC). The Company provides loans to individuals and corporate bodies for the purchase, construction, repair, and upgradation of houses. It also provides loans for commercial spaces, loans against property, and loans for purchasing residential plots. The Company's product portfolio consists of housing loans, other home loans, and non-home loans. Its housing loans include home loan, plot loan, and home construction loan. Its other home loans include home extension loan, home improvement loan, and non-resident Indians (NRIs) home loan. Its non-home loans cover commercial property loan, loan against property, lease rental discounting, and loan for real estate-developers. It has established an affordable home loan scheme called Roshni. Its subsidiaries include PHFL Home Loans and Services Limited and PEHEL Foundation.

Key people

  • Ajai Kumar ShuklaChief Executive Officer, Managing Director
  • Vinay GuptaChief Financial Officer
  • Anubhav RajputChief Information Officer
  • Bhavya TanejaChief Marketing Officer
  • Veena G. KamathCompliance Officer, Company Secretary
  • Neeraj ManchandaChief Risk Officer

Company facts

  • NSE symbolPNBHOUSING
  • BSE code540173
  • ISININE572E01012
  • IndustryConsumer Financial Services
  • IndexNIFTY 500
  • Market cap₹28,297 Cr
  • Revenue (FY26)₹8,505 Cr
  • Net profit (FY26)₹2,291 Cr

In the News

Recent headlines about PNB Housing Finance — they open on Mint in a new tab.

Stock data comes from the exchange feed via our data provider. It is not real-time and can be delayed, so check the price with your broker before you trade. This page is for information and education only. It is not investment advice, research or a recommendation to buy, sell or hold any security. Investments in the securities market are subject to market risks; read all related documents carefully before investing. See all stocks →

Frequently Asked Questions

PNB Housing Finance (NSE: PNBHOUSING) last traded at ₹1,085.00 on the NSE, down 0.90% (₹9.85) on the day, as of 28 Sep 2026. The day's range on 25 Sep was ₹1,077.15 – ₹1,102.75.

PNB Housing Finance's 52-week high is ₹1,210.80 (26 Aug 2026) and its 52-week low is ₹730.00 (9 Mar 2026). At ₹1,085.00 the share is 10.4% below its high and 48.6% above its low.

PNB Housing Finance's market capitalisation is ₹28,297 Cr (₹28,297 Cr). It is part of the NIFTY 500 index.

PNB Housing Finance's P/E ratio (trailing 12 months) is 12.22. The sector average is 25.66, so investors pay 52% less for each rupee of its earnings than for the average company in its sector. Its earnings per share (TTM) are ₹88.66.

PNB Housing Finance shares are up 25.56% over the last year, up 14.03% so far this year, up 36.54% over 6 months, up 3.85% over 3 months. Over the last year the stock did 36.59% better than the market.

In FY26 (year to Mar 2026), PNB Housing Finance reported revenue of ₹8,505 Cr (up 10.95% on the year before) and a net profit of ₹2,291 Cr. Earnings per share were ₹87.80.

Yes. PNB Housing Finance's latest dividend is ₹8.00 per share (80%, final dividend), with an ex-date of 31 Jul 2026. The dividend yield is 0.74%. It has paid 2 dividends in the records shown on this page.

As of Jun 2026: Promoter 28.03%, FII 16.81%, MF 33.62%, Other 21.54%. Promoter holding fell by 0.01 percentage points from Mar 2026.

PNB Housing Finance's listed peers in Consumer Financial Services include Bajaj Finance, Shriram Finance, Jio Financial Services, Tata Capital, Power Finance Corporation. By market capitalisation it ranks #6 of 6 in this group.

No. PNB Housing Finance has debt — its debt-to-equity ratio is 3.71 and total debt was ₹71,369 Cr in FY26. As a lender it borrows to fund its loans, so debt is part of its business; its profit before interest and tax covers the interest on those borrowings 264.82 times.