PNBHOUSING
PNB Housing Finance Limited (PNBHOUSING) Stock Analysis
PNB Housing Finance Limited provides home loans and housing finance to retail and developer customers in India. It originates mortgages through branches and digital channels. The company is a housing finance company linked to PNB. It is listed on Indian stock exchanges.
Financial Services › Mortgage Finance
₹1,167.70
+0.84% 1W | +43.10% 52W
Market Cap
30.5k CR
P/E Ratio
13.2
52W High
₹1224.8
52W Low
₹729.6
Div. Yield
0.68%
Beta
0.3
50 DMA
₹1148.1
200 DMA
₹997.5
Profit Margin
61.4%
Inst. Own.
55.2%
⚡ APPROACHING SUPPORT
🔥 APPROACHING RESISTANCE
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,708 | 1,778 | 1,755 | 1,810 | 1,823 | 1,879 | 1,942 | 2,022 | 2,076 | 2,128 | 2,119 | 2,182 | 2,263 |
| Interest | 1,048 | 1,057 | 1,087 | 1,070 | 1,097 | 1,118 | 1,158 | 1,178 | 1,234 | 1,267 | 1,253 | 1,246 | 1,339 |
| Expenses | 201 | 204 | 216 | 170 | 168 | 143 | 155 | 133 | 145 | 88 | 183 | 52 | 192 |
| Financing Profit | 459 | 517 | 452 | 570 | 559 | 618 | 629 | 711 | 697 | 773 | 683 | 883 | 733 |
| Financing Margin % | 27% | 29% | 26% | 31% | 31% | 33% | 32% | 35% | 34% | 36% | 32% | 40% | 32% |
| Other Income | 0 | 2 | 1 | 4 | 9 | 1 | 1 | 15 | 6 | 3 | 2 | -10 | 2 |
| Depreciation | 13 | 11 | 13 | 14 | 13 | 14 | 14 | 14 | 15 | 16 | 16 | 19 | 16 |
| Profit before tax | 447 | 507 | 440 | 560 | 554 | 605 | 616 | 711 | 688 | 760 | 668 | 855 | 718 |
| Tax % | 22% | 24% | 23% | 22% | 22% | 22% | 22% | 23% | 22% | 23% | 22% | 23% | 22% |
| Net Profit | 347 | 383 | 338 | 439 | 433 | 470 | 483 | 550 | 534 | 582 | 520 | 656 | 557 |
| EPS in Rs | 13.38 | 14.75 | 13.03 | 16.91 | 16.66 | 18.08 | 18.60 | 21.17 | 20.51 | 22.33 | 19.97 | 25.17 | 21.39 |
| Gross NPA % | 1.24% | 1.19% | 1.06% | 1.04% | 1.04% | 0.93% | 0.95% | ||||||
| Net NPA % | 0.84% | 0.80% | 0.69% | 0.69% | 0.68% | 0.57% | 0.58% |
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,489 | 7,679 | 8,482 | 7,604 | 6,196 | 6,527 | 7,053 | 7,685 | 8,494 | 8,692 |
| Interest | 3,537 | 5,167 | 5,875 | 5,100 | 4,065 | 3,900 | 4,263 | 4,552 | 5,001 | 5,104 |
| Expenses | 693 | 750 | 1,737 | 1,254 | 998 | 1,217 | 789 | 598 | 467 | 515 |
| Financing Profit | 1,258 | 1,762 | 870 | 1,250 | 1,133 | 1,410 | 2,001 | 2,535 | 3,027 | 3,073 |
| Financing Margin % | 23% | 23% | 10% | 16% | 18% | 22% | 28% | 33% | 36% | 35% |
| Other Income | 0 | 4 | 7 | 16 | 5 | 2 | 4 | 6 | 10 | -3 |
| Depreciation | 24 | 31 | 66 | 59 | 53 | 51 | 51 | 56 | 66 | 68 |
| Profit before tax | 1,235 | 1,734 | 811 | 1,207 | 1,084 | 1,361 | 1,954 | 2,486 | 2,971 | 3,001 |
| Tax % | 32% | 31% | 20% | 23% | 23% | 23% | 23% | 22% | 23% | |
| Net Profit | 841 | 1,192 | 646 | 930 | 836 | 1,046 | 1,508 | 1,936 | 2,291 | 2,315 |
| EPS in Rs | 32.86 | 46.29 | 25.00 | 35.96 | 32.28 | 40.31 | 58.06 | 74.49 | 87.94 | 88.86 |
| Dividend Payout % | 18% | 13% | 0% | 0% | 0% | 0% | 0% | 7% | 9% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 9.0% | 2.0% | – |
| Profit CAGR | 30.0% | 20.0% | – |
Shareholding Pattern
Promoters28.08%
FIIs24.18%
DIIs37.99%
Public9.74%
Promoters28.04%
FIIs18.61%
DIIs40.68%
Public12.65%
Promoters28.04%
FIIs17.22%
DIIs43.02%
Public11.69%
Promoters28.04%
FIIs16.60%
DIIs44.07%
Public11.28%
Promoters28.03%
FIIs16.81%
DIIs45.71%
Public9.42%
Promoters32.52%
FIIs24.29%
DIIs3.65%
Public39.53%
Promoters28.13%
FIIs25.00%
DIIs6.88%
Public39.98%
Promoters28.10%
FIIs21.45%
DIIs29.88%
Public20.57%
Promoters28.04%
FIIs16.60%
DIIs44.07%
Public11.28%
Promoters28.03%
FIIs16.81%
DIIs45.71%
Public9.42%
PNBHOUSING
Holdings Analysis
Key strengths & risk signals
74
Overall
71
Fundamental
78
Technical
Risks (1)
VERY HIGH DEBT! D/E of 2.66 - significant risk.
Strengths (4)
EXCELLENT EFFICIENCY! 61.4% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (1148.1) is above 200-day average (997.5) - positive signal.
GOOD YEAR! Stock gained 43.1% in the last year.
STRONG! Trading at 88.5% of 52W range - near yearly highs.
Fundamental & Technical Analysis
74Overall
71Fundamental
78Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 12.5% (GOOD, 11/15). Profit CAGR: 29.9% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 61.4% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.44 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.68% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 2.66 - significant risk.
Public Holding
10/20
SIGNIFICANT PUBLIC HOLDING! 39.48% public ownership - moderate retail influence.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (1148.1) is above 200-day average (997.5) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (1167.7) is above both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
10/10
GOOD YEAR! Stock gained 43.1% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 1,020,975 vs down days: 883,543. Ratio: 1.16x
RSI
3/5
NEUTRAL! RSI at 54.1 - balanced momentum.
52W Range
5/5
STRONG! Trading at 88.5% of 52W range - near yearly highs.
Momentum
5/5
STRONG MOMENTUM! Price has grown across all timeframes - up 0.8% (1 week), 3.0% (1 month), 6.2% (3 months). Momentum is accelerating.
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
PNBHOUSING
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-07 | Concall PDF | |
| Q4FY262026-04-25 | Concall PDF | |
| Q2FY262026-01-27 | Concall PDF | |
| Q1FY262025-10-30 | Concall PDF |
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PNBHOUSING | ₹1,167.70 | 13.2 | 61.4% | 12.5% | 29.9% | +43.1% | 74 | APPROACHING SUPPORT | +4.5% | -15.0% | +9.4% | +0.2% |
| LICHSGFIN | ₹521.00 | 5 | 65.2% | 10.3% | 24.7% | -5.9% | 70 | BREAKDOWN | +9.9% | +0.4% | -2.4% | -12.6% |
| BAJAJHFL | ₹83.40 | 25.8 | 63.2% | 25.5% | 26.7% | -23.4% | 69 | APPROACHING RESISTANCE | +22.6% | +6.9% | +17.9% | +5.1% |
| AADHARHFC | ₹447.00 | 17.4 | 48.2% | 21.7% | 26.2% | -12.3% | 70 | BREAKOUT | +19.0% | -9.2% | +15.6% | +2.9% |
| SAMMAANCAP | ₹133.90 | – | – | 21.0% | – | -17.9% | 45 | APPROACHING RESISTANCE | -27.2% | -103.0% | -30.1% | +0.1% |
| HOMEFIRST | ₹1,099.80 | 19.9 | 51.4% | 33.7% | 33.3% | -9.0% | 64 | BREAKDOWN | +34.5% | +7.0% | +17.4% | +7.0% |
| APTUS | ₹222.50 | 11.3 | 61.8% | 23.0% | 23.3% | -28.6% | 64 | CONSOLIDATING DOWN | +19.0% | 0.0% | +19.3% | +1.9% |
| CANFINHOME | ₹732.10 | 8.5 | 67.1% | 16.0% | 19.0% | -8.3% | 63 | CONSOLIDATING DOWN | – | +2.7% | +16.7% | -0.9% |
Data from TradeAlone · Updated daily
PNBHOUSING News
Pnb Housing Finance Limited Q2 & H1 FY27: Loan Assets Up 19%, Disbursements Hit INR 9,609 Cr2026-10-28Pnb Housing Finance Limited (pnbhousing) Achieves AAA Credit Rating Upgrade from Crisil2026-10-07PNB Housing Finance Limited (PNBHOUSING) gains 6% intraday, breaks out2026-08-05Pnb Housing Finance Limited (pnbhousing) Q1 FY27: Steady Growth Amidst Macroeconomic Challenges2026-08-04
