NSE PNBHOUSING · BSE 540173 · Consumer Financial Services · NIFTY 500
PNB Housing Finance Share Price
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 ₹1,098.20 on the NSE, down 3.55% on the day. That is 9.3% below the 52-week high of ₹1,210.80 and 50.4% above the 52-week low of ₹730.00. The stock trades at 11.68× earnings, below the sector average of 25.34. Its market value is ₹28,677 Cr.
Price returns
Against the market: 1 Month ▼ −0.53% · 3 Months ▲ +11.94% · 6 Months ▲ +42.65% · This year ▲ +36.27% · 1 Year ▲ +40.08%
Shading grows with the size of the move. Prices refresh every 15 minutes while the market is open (9:15 AM–3:30 PM IST); next update from Mon 28 Sep, 9:15 AM.
Moving averages — price is above 2 of 6
- 20-day average₹1,154.98 ▼ price 4.9% below
- 10-day average₹1,144.93 ▼ price 4.1% below
- 50-day average₹1,130.36 ▼ price 2.8% below
- 5-day average₹1,127.46 ▼ price 2.6% below
- Today's price₹1,098.20
- 100-day average₹1,086.24 ▲ price 1.1% above
- 300-day average₹981.19 ▲ price 11.9% above
Averages above today's price sit higher on the ladder. Price above most of its averages is usually read as an upward trend.
PNB Housing Finance Financial Results
Revenue and net profit in ₹ crore, with the full statements underneath.
Year by year
| Fiscal year | Revenue | Growth | Net profit | Net margin | EPS | Dividend |
|---|---|---|---|---|---|---|
| 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 |
Quarter by quarter
| Quarter | Revenue | vs prev. qtr | Net profit | Net margin | EPS |
|---|---|---|---|---|---|
| Q1 FY27 | ₹2,263 Cr | ▲ +3.8% | ₹557 Cr | 24.6% | ₹21.33 |
| Q4 FY26 | ₹2,182 Cr | ▲ +2.9% | ₹656 Cr | 30.1% | ₹25.11 |
| Q3 FY26 | ₹2,119 Cr | ▼ −0.4% | ₹520 Cr | 24.6% | ₹19.93 |
| Q2 FY26 | ₹2,128 Cr | ▲ +2.5% | ₹582 Cr | 27.3% | ₹22.29 |
| Q1 FY26 | ₹2,076 Cr | ▲ +2.7% | ₹534 Cr | 25.7% | ₹20.45 |
| Q4 FY25 | ₹2,022 Cr | ▲ +4.1% | ₹550 Cr | 27.2% | ₹21.11 |
| Q3 FY25 | ₹1,942 Cr | ▲ +3.4% | ₹483 Cr | 24.9% | ₹18.53 |
| Q2 FY25 | ₹1,879 Cr | — | ₹470 Cr | 25.0% | ₹18.02 |
Balance sheet — FY26
- 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
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
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total revenue | 8,481.84 | 7,603.92 | 6,195.93 | 6,527.33 | 7,050.08 | 7,665.35 | 8,504.52 |
| Cost of revenue | 8.92 | 11.61 | 11.12 | 11.52 | 12.34 | 13.82 | 11.26 |
| Gross profit | 8,472.92 | 7,592.31 | 6,184.81 | 6,515.81 | 7,037.74 | 7,651.53 | 8,493.26 |
| Operating expenses | 1,802.98 | 1,313.56 | 1,052.12 | 1,270.04 | 841.82 | 490.11 | 656.87 |
| Operating income | 6,678.86 | 6,290.36 | 5,143.81 | 5,257.29 | 6,208.26 | 7,175.24 | 7,847.65 |
| Depreciation | 65.84 | 59.00 | 53.38 | 51.43 | 51.18 | 55.89 | 66.48 |
| Profit before tax | 811.01 | 1,207.03 | 1,083.96 | 1,360.91 | 1,953.90 | 2,485.77 | 2,970.61 |
| Tax | 164.77 | 277.13 | 247.48 | 314.91 | 445.89 | 549.63 | 679.37 |
| Net profit | 646.24 | 929.90 | 836.48 | 1,046.00 | 1,508.01 | 1,936.14 | 2,291.24 |
| EPS (₹) | 31.81 | 45.77 | 41.02 | 51.31 | 58.20 | 74.25 | 87.80 |
| Dividend per share (₹) | 0.00 | — | — | — | — | 5.00 | 8.00 |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total assets | 78,929.73 | 71,392.20 | 65,729.61 | 66,873.70 | 72,404.85 | 82,520.36 | 93,512.07 |
| Current assets | — | — | — | — | — | — | — |
| Cash & short-term investments | 8,517.54 | 6,968.56 | 5,065.62 | 3,677.82 | 2,142.20 | 2,160.38 | 2,483.06 |
| Inventory | — | — | — | — | — | — | — |
| Property, plant & equipment | 226.34 | 159.85 | 131.85 | 131.86 | 195.13 | 219.14 | 242.70 |
| Total liabilities | 70,931.96 | 62,469.17 | 55,857.98 | 55,859.84 | 57,430.41 | 65,657.23 | 74,292.94 |
| Current liabilities | — | — | — | — | — | — | — |
| Total debt | 67,735.10 | 59,392.44 | 53,075.19 | 53,696.13 | 55,149.56 | 62,455.30 | 71,369.04 |
| Total equity | 7,997.77 | 8,923.03 | 9,871.63 | 11,013.86 | 14,974.44 | 16,863.13 | 19,219.13 |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| From operations | 8,928.50 | 6,611.28 | 6,254.26 | −1,865.03 | −4,661.51 | −8,057.33 | −8,983.55 |
| From investing | −62.53 | 20.55 | −1,474.99 | 175.78 | −1,186.08 | 757.10 | 684.33 |
| From financing | −4,385.61 | −8,177.59 | −6,732.22 | 301.47 | 4,178.63 | 7,403.86 | 8,719.78 |
| Capital expenditure | −63.75 | −7.72 | −15.13 | −14.85 | −39.29 | −49.05 | −33.06 |
| Dividends paid | −182.37 | — | — | — | — | — | −130.23 |
| Net change in cash | 4,480.36 | −1,545.76 | −1,952.95 | −1,387.78 | −1,668.96 | 103.63 | 420.56 |
What Analysts Say
Recommendations from 12 analysts who cover PNB Housing Finance.
▲ 10 bullish (83.3%) · 2 hold (16.7%) · ▼ 0 bearish (0.0%)
Votes
How the votes changed
| Rating | 3M ago | 2M ago | 1M ago | 1W ago | Now | 3-month change |
|---|---|---|---|---|---|---|
| Strong Buy | 5 | 5 | 5 | 5 | 5 | — |
| Buy | 6 | 5 | 5 | 5 | 5 | ▼ −1 |
| Hold | 1 | 2 | 2 | 2 | 2 | ▲ +1 |
| Sell | 0 | 0 | 0 | 0 | 0 | — |
| Strong Sell | 0 | 0 | 0 | 0 | 0 | — |
Analyst ratings are opinions, not a guarantee of returns.
PNB Housing Finance vs Peers
Side by side with other consumer financial services companies. The small bars compare each column.
| Company | Price | Change | Market cap | P/E | P/B | ROE (5 yr) | Net margin | Div. yield | Rating |
|---|---|---|---|---|---|---|---|---|---|
| PNB Housing Finance | ₹1,098.20 | ▼ −3.55% | ₹28,677 Cr | 11.68 | 1.54 | 11.41% | 26.64% | 0.70% | This stock |
| Bajaj Finance | ₹979.20 | ▼ −5.85% | ₹6,09,646 Cr | 25.01 | 5.76 | 19.79% | 23.72% | 0.51% | Moderately Bearish |
| Shriram Finance | ₹992.50 | ▼ −1.44% | ₹2,33,534 Cr | 13.87 | 2.95 | 16.15% | 20.94% | 1.04% | Bearish |
| Jio Financial Services | ₹227.25 | ▼ −1.92% | ₹1,50,056 Cr | 95.47 | 1.15 | 1.11% | 49.84% | 0.21% | Bearish |
| Tata Capital | ₹334.55 | ▼ −4.43% | ₹1,42,033 Cr | 20.47 | 3.26 | 14.39% | 15.95% | 0.16% | Bearish |
| Power Finance Corporation | ₹339.20 | ▼ −2.16% | ₹1,11,939 Cr | 5.42 | 1.01 | 20.90% | 29.13% | 4.58% | Bearish |
Rating = the data provider's overall technical view of each peer. Company names link to their own pages.
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.
Valuation Is the price reasonable?
Profitability Of every ₹100 of sales, how much is kept?
Returns & efficiency How well does it use its money?
Growth Is the business getting bigger?
Financial strength Can it pay its bills and debts?
Per share What each share stands for
The share price is 1.49× 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
Per share
Margins
Growth
Financial strength
Returns & efficiency
Price & volume
Dividends & Corporate Events
Payouts to shareholders, splits and bonus issues, and company meetings — newest first.
- Dividend yield0.70%
- Payout ratio9.10%
- 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₹28,677 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.
- Stocks to watch and why on September 1: PVR INOX, E2E Networks, NCC, Brigade Enterprises, Time Technoplast and more
On September 1, Indian stock market attention focuses on companies such as PVR INOX and PNB Housing Finance amid multiple developments.
31 Aug 2026 · 2 min read · Mint ↗ - Only two dividend yield funds gave over 10% returns in the last 1 year: Find out who led the category and who lagged
Only two dividend yield funds delivered over 10% returns in the last one year, while some others lagged significantly. Differences in equity allocation, portfolio holdings and expenses contributed to the wide gap in returns across the category.
16 Aug 2026 · 2 min read · Mint ↗ - PNB Housing bets on micro loans, small developers to boost margins
The lender is targeting higher-yielding segments to improve spreads, sees affordable and emerging businesses contributing half of assets by the end of FY28.
6 Aug 2026 · 4 min read · Mint ↗ - RBI keeps Tata Sons in NBFC upper layer list, maintains status quo on listing
Tata Sons remains on the RBI's upper-layer NBFC list for 2026-27 even as the central bank continues to examine its application to surrender its core investment company (CIC) registration.
6 Aug 2026 · 4 min read · Mint ↗ - Top Gainers & Losers on 5 August: Hindustan Copper, OLA, HFCL, Mphasis, Tata Capital among top gainers
Indian equity markets closed mixed on August 5, with the Nifty 50 down 0.18% and the Sensex down 0.09%. Weakness in banking and IT stocks outweighed gains in metals and autos. The RBI held the repo rate steady as inflation concerns persist amid geopolitical tensions.
5 Aug 2026 · 3 min read · Mint ↗ - PNB Housing Finance tops list of mutual funds' 10 favourite small-cap stocks; Crompton Greaves, Delhivery make the cut
Despite varying investment strategies, some small-cap stocks are common across mutual fund portfolios. The latest analysis reveals the 10 most widely held small-cap stocks, with PNB Housing Finance featuring in 146 schemes, followed by Crompton Greaves and RBL Bank.
29 Jul 2026 · 1 min read · Mint ↗ - Stock market today: Gift Nifty hints a flat start; eight day trading stocks to buy on Tuesday, 28 July
Indian stock market indices, Sensex and Nifty 50, are expected to open flat due to weak global cues. Despite a five-day losing streak that ended yesterday, local markets posted gains. Oil prices dipped amid ongoing US-Iran diplomatic talks, impacting overall market sentiment.
28 Jul 2026 · 5 min read · Mint ↗ - Stocks to buy: Sagar Doshi suggests Anant Raj, Sobha, PNB Housing Finance shares to buy
Indian benchmark indices fell on Tuesday due to rising crude oil prices amid Middle East tensions. The Nifty 50 dropped 0.54% while the BSE Sensex declined 0.62%. Heavyweight stocks led the downturn as inflation concerns grew for India, the third-largest oil importer.
14 Jul 2026 · 3 min read · Mint ↗
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