PNB Housing Finance Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Attractively valued vs sector (P/E 12.3x vs industry 33.1x)
Concerns
Today's Price Action
The stock closed at ₹1122, unchanged from the previous close. Trading volume matched the 20‑day average at 5,66,522 shares, indicating typical participation without any acute buying or selling pressure. No price deviation suggests that market participants are awaiting new information.
Valuation Snapshot
The current price‑to‑earnings multiple stands at 12.3, while the broader financial services sector reports a nominal P/E of zero, reflecting a lack of comparable earnings data. A return on equity of 12.7 % signals a modestly efficient capital deployment relative to peers. The price‑to‑book ratio of zero reflects that book value is not disclosed in public filings.
Key Levels to Watch
The 52‑week range spans ₹730 to ₹1,225, placing the present price roughly 27 % above the lower bound and about 8 % below the upper bound. Open‑interest clusters observed on nearby futures contracts cluster around the ₹1,100 and ₹1,250 marks, offering potential liquidity zones. Historical price action shows previous support around ₹1,050 and resistance near ₹1,180 during the last fiscal year.
Chart Pattern
On the daily chart a gravestone doji materialised eight trading sessions ago, a single‑session formation that traditionally denotes indecision at the close and can precede a shift in short‑term momentum. The formation appeared on the 1‑day timeframe and did not repeat in the subsequent sessions today.
Data Summary
The equity records a market capitalisation of zero crore, a P/B ratio of zero, and a flat price movement on the day. Volume aligns with the 20‑day average, and the gravestone doji provides the most recent candlestick signal in the price action timeline. The share count remains unchanged, and dividend payout history indicates no recent distribution.
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹685 | ₹10.7L Cr | 13.3 | 1.75 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,378 | ₹10.0L Cr | 17 | 2.55 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹957 | ₹8.8L Cr | 10.5 | 1.42 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹917 | ₹5.8L Cr | 26.4 | 4.63 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹391 | ₹4.8L Cr | 8.03 | 2.8 | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹440 | ₹4.3L Cr | 20.2 | 2.24 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,220 | ₹3.8L Cr | 12.7 | 1.65 | 13.1 | 6.24 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
PNBHOUSING · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 28.13% | 28.13% | 28.13% | 28.11% | 28.11% | 28.10% |
| FII | 24.70% | 25.00% | 17.89% | 20.42% | 24.34% | 21.45% |
| DII | 7.86% | 6.88% | 10.95% | 22.17% | 26.85% | 29.88% |
| Public | 39.32% | 39.98% | 43.04% | 29.29% | 20.69% | 20.57% |
Corporate Events
To consider and approve the financial results for the period ended September 30, 2026
To consider Fund Raising and other business matters
To consider and approve the financial results for the period ended Jun 30, 2026
Dividend - Rs 8 Per Share
To consider Fund Raising
Dividend - Rs 5 Per Share
Latest News
All newsPNB Housing Finance board meets, no major announcements.
*PNB Housing Finance board meets with no major announcements.* Outcome of the meeting does not disclose any significant financial or strategic decisions. The filing refers to routine board matters under AOA. No material changes reported for investors. 📊 *STOCKS:* PNBHOUSING | 🏢 *SECTOR:* HousingFinance | #LOWIMPACT #BoardMeeting
PNB Housing Finance sees change in directors
*PNB Housing Finance sees change in directors.* The board approved changes in directorship during its recent meeting. No financial impact or strategic shift was indicated. The move is procedural and routine in nature. 📊 *STOCKS:* PNBHOUSING | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Directors
PNB Housing Finance board meeting outcome announced
*PNB Housing Finance board meeting outcome announced* — The company disclosed the outcome of its July 10, 2026, board meeting. Specific details including resolutions passed were filed with the exchange. No major announcements such as fund raising or acquisitions were indicated. 📊 *STOCKS:* PNBHOUSING | 🏢 *SECTOR:* HousingFinance | #LOWIMPACT #BoardMeeting
PNB Housing CEO resigns, shares crash 15%
*PNB Housing CEO resigns, shares crash 15%*\nPNB Housing Finance shares plunged **15%** following the sudden resignation of its CEO, triggering panic among retail investors. The board has not yet named a successor, raising governance concerns. The stock's sharp fall dragged down the broader housing finance sector.\n\n📊 *STOCKS:* PNBHOUSING | 🏢 *SECTOR:* Housing | #HIGHIMPACT #CEO_Resignation
PNB Housing raises ₹10,000 crore via NCDs
*PNB Housing raises ₹10,000 crore via NCDs* — PNB Housing Finance's board approved a **₹10,000 crore** issuance of non-convertible debentures (NCDs) to bolster its capital structure and fund business expansion. The move strengthens liquidity and supports loan book growth in the housing finance segment. Market response will depend on subscription levels and interest rates offered. 📊 *STOCKS:* $PNBHOUSING | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #Fundraise
PNB Housing updates investors in analyst meet
*PNB Housing updates investors in analyst meet* discusses recent business performance and outlook. The company shared insights during an investor call with institutional participants. No major financial announcements or strategic shifts were disclosed. Recording available via NSE corporate filing. 📊 *STOCKS:* $PNBHOUSING | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #AnalystMeet
PNB Housing Finance announces general updates
*PNB Housing Finance announces general updates.* No specific financial figures or major strategic changes disclosed. The nature of updates not detailed in the filing. Likely routine corporate information. 📊 *STOCKS:* $PNBHOUSING | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Update
PNB Housing Finance sets dividend record date
*PNB Housing Finance sets dividend record date.* The company has fixed **31-Jul-2026** as the record date for dividend disbursement. Shareholders registered on this date will be eligible for the payout. Final dividend details will be announced in due course. 📊 *STOCKS:* PNBHOUSING | 🏢 *SECTOR:* Banking | #LOWIMPACT #Dividend
PNB Housing raises funds via 5-year bond issue
*PNB Housing raises funds via 5-year bond issue*. The company has opened bids for a **5-year** non-convertible debenture issue, aiming to raise capital for business growth. Bankers confirmed that bids are being accepted, though final size and pricing are yet to be disclosed. This move strengthens its funding mix amid rising credit demand. 📊 *STOCKS:* $PNBHOUSING | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Funding
Financials
Quarterly Results
| Metric | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Net Profit | ₹656 Cr 26.2% | ₹520 Cr 10.7% | ₹582 Cr 9.0% | ₹534 Cr 2.9% | ₹550 Cr 13.9% | ₹483 Cr 2.8% | ₹470 Cr 8.5% | ₹433 Cr |
| EPS (₹) | 25.17 26.0% | 19.97 10.6% | 22.33 8.9% | 20.51 3.1% | 21.17 13.8% | 18.6 2.9% | 18.08 8.5% | 16.66 |
Values in ₹ Cr · Source: Screener.in
Annual Profit & Loss
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — | — |
| Expenses | ₹467 Cr 21.9% | ₹598 Cr 24.2% | ₹789 Cr 35.2% | ₹1.2K Cr 21.9% | ₹998 Cr 20.4% | ₹1.3K Cr 27.8% | ₹1.7K Cr 131.6% | ₹750 Cr 8.2% | ₹693 Cr |
| Op. Profit | — | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — | — |
| Other Income | ₹10 Cr 66.7% | ₹6 Cr 50.0% | ₹4 Cr 100.0% | ₹2 Cr 60.0% | ₹5 Cr 68.8% | ₹16 Cr 128.6% | ₹7 Cr 75.0% | ₹4 Cr | ₹0 Cr |
| Interest | ₹5.0K Cr 9.9% | ₹4.6K Cr 6.8% | ₹4.3K Cr 9.3% | ₹3.9K Cr 4.1% | ₹4.1K Cr 20.3% | ₹5.1K Cr 13.2% | ₹5.9K Cr 13.7% | ₹5.2K Cr 46.1% | ₹3.5K Cr |
| Depreciation | ₹66 Cr 17.9% | ₹56 Cr 9.8% | ₹51 Cr 0.0% | ₹51 Cr 3.8% | ₹53 Cr 10.2% | ₹59 Cr 10.6% | ₹66 Cr 112.9% | ₹31 Cr 29.2% | ₹24 Cr |
| PBT | ₹3.0K Cr 19.5% | ₹2.5K Cr 27.2% | ₹2.0K Cr 43.6% | ₹1.4K Cr 25.6% | ₹1.1K Cr 10.2% | ₹1.2K Cr 48.8% | ₹811 Cr 53.2% | ₹1.7K Cr 40.4% | ₹1.2K Cr |
| Tax % | 23.0% 4.5% | 22.0% 4.3% | 23.0% 0.0% | 23.0% 0.0% | 23.0% 0.0% | 23.0% 15.0% | 20.0% 35.5% | 31.0% 3.1% | 32.0% |
| Net Profit | ₹2.3K Cr 18.3% | ₹1.9K Cr 28.4% | ₹1.5K Cr 44.2% | ₹1.0K Cr 25.1% | ₹836 Cr 10.1% | ₹930 Cr 44.0% | ₹646 Cr 45.8% | ₹1.2K Cr 41.7% | ₹841 Cr |
| EPS (₹) | 87.94 18.1% | 74.49 28.3% | 58.06 44.0% | 40.31 24.9% | 32.28 10.2% | 35.96 43.8% | 25 46.0% | 46.29 40.9% | 32.86 |
| Div Payout | 9.0% 28.6% | 7.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% 100.0% | 13.0% 27.8% | 18.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|
Liabilities | |||||||||
| Equity Capital | ₹261 Cr 0.4% | ₹260 Cr 0.0% | ₹260 Cr 53.8% | ₹169 Cr 0.0% | ₹169 Cr 0.6% | ₹168 Cr 0.0% | ₹168 Cr 0.6% | ₹167 Cr 0.0% | ₹167 Cr |
| Reserves | ₹19.0K Cr 14.2% | ₹16.6K Cr 12.8% | ₹14.7K Cr 35.7% | ₹10.8K Cr 11.8% | ₹9.7K Cr 10.8% | ₹8.8K Cr 11.8% | ₹7.8K Cr 6.2% | ₹7.4K Cr 15.2% | ₹6.4K Cr |
| Borrowings | — | — | — | — | — | — | — | — | — |
| Other Liabilities | ₹3.1K Cr 7.6% | ₹3.3K Cr 38.7% | ₹2.4K Cr 7.9% | ₹2.2K Cr 22.7% | ₹2.9K Cr 5.8% | ₹3.1K Cr 3.8% | ₹3.2K Cr 28.4% | ₹4.5K Cr 67.3% | ₹2.7K Cr |
| Total Liabilities | ₹93.5K Cr 13.3% | ₹82.5K Cr 14.0% | ₹72.4K Cr 8.3% | ₹66.9K Cr 1.7% | ₹65.7K Cr 7.9% | ₹71.4K Cr 9.6% | ₹78.9K Cr 5.9% | ₹83.9K Cr 33.1% | ₹63.0K Cr |
Assets | |||||||||
| Fixed Assets | ₹274 Cr 14.6% | ₹239 Cr 15.5% | ₹207 Cr 41.8% | ₹146 Cr 2.7% | ₹150 Cr 17.1% | ₹181 Cr 27.9% | ₹251 Cr 143.7% | ₹103 Cr 35.5% | ₹76 Cr |
| CWIP | ₹6 Cr 62.5% | ₹16 Cr 6.7% | ₹15 Cr 400.0% | ₹3 Cr 25.0% | ₹4 Cr 100.0% | ₹2 Cr 50.0% | ₹4 Cr 20.0% | ₹5 Cr 50.0% | ₹10 Cr |
| Investments | ₹2.8K Cr 17.8% | ₹3.4K Cr 22.2% | ₹4.3K Cr 36.0% | ₹3.2K Cr 8.2% | ₹3.5K Cr 70.3% | ₹2.0K Cr 1.5% | ₹2.1K Cr 54.5% | ₹4.6K Cr 89.0% | ₹2.4K Cr |
| Other Assets | ₹90.5K Cr 14.7% | ₹78.9K Cr 16.3% | ₹67.8K Cr 6.8% | ₹63.5K Cr 2.3% | ₹62.1K Cr 10.2% | ₹69.2K Cr 9.7% | ₹76.6K Cr 3.3% | ₹79.2K Cr 30.9% | ₹60.5K Cr |
| Total Assets | ₹93.5K Cr 13.3% | ₹82.5K Cr 14.0% | ₹72.4K Cr 8.3% | ₹66.9K Cr 1.7% | ₹65.7K Cr 7.9% | ₹71.4K Cr 9.6% | ₹78.9K Cr 5.9% | ₹83.9K Cr 33.1% | ₹63.0K Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Operating CF | ₹-9.0K Cr 11.5% | ₹-8.1K Cr 72.8% | ₹-4.7K Cr 150.0% | ₹-1.9K Cr 129.8% | ₹6.3K Cr 7.9% | ₹6.8K Cr 23.9% | ₹8.9K Cr 153.7% | ₹-16.6K Cr 6.1% | ₹-15.7K Cr |
| Investing CF | ₹684 Cr 9.6% | ₹757 Cr 163.8% | ₹-1.2K Cr 773.9% | ₹176 Cr 111.9% | ₹-1.5K Cr 24483.3% | ₹-6 Cr 90.5% | ₹-63 Cr 16.7% | ₹-54 Cr 8.0% | ₹-50 Cr |
| Financing CF | ₹8.7K Cr 17.8% | ₹7.4K Cr 77.2% | ₹4.2K Cr 1288.4% | ₹301 Cr 104.5% | ₹-6.7K Cr 19.2% | ₹-8.3K Cr 90.0% | ₹-4.4K Cr 124.5% | ₹17.9K Cr 3.1% | ₹18.5K Cr |
| Net Cash Flow | ₹421 Cr 304.8% | ₹104 Cr 106.2% | ₹-1.7K Cr 20.2% | ₹-1.4K Cr 28.9% | ₹-2.0K Cr 26.3% | ₹-1.5K Cr 134.5% | ₹4.5K Cr 268.1% | ₹1.2K Cr 55.8% | ₹2.8K Cr |
| Free Cash Flow | ₹-9.0K Cr 11.2% | ₹-8.1K Cr 72.4% | ₹-4.7K Cr 150.1% | ₹-1.9K Cr 130.1% | ₹6.2K Cr 8.1% | ₹6.8K Cr 23.5% | ₹8.9K Cr 153.2% | ₹-16.7K Cr 6.1% | ₹-15.7K Cr |
Values in ₹ Cr · Source: Screener.in
Deep Dive Analysis
About PNB Housing Finance Limited
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]
Financial ServicesFinance