PNB Housing Finance Limited

BSE: PNBHOUSING540173ISIN INE572E01012

Financial Services
Housing Finance Company
BSE 500

BSE listing

Share price

₹1,128.00+20.10 (+1.81%)

as of 18 Sep 2026

52W high: ₹1,210.80
52W low: ₹730.00
Off 52W high: -6.84%
1M return: -4.04%
3M return: +12.49%
6M return: +42.44%
1Y return: +31.09%
20D avg volume: 46,894
50 DMA: ₹1,128.03
200 DMA: ₹980.19

Key ratios Consolidated

Market cap: ₹29,419 Cr
Current price: ₹1,128.00
52W high / low: ₹1,210.80 / ₹730.00
Face value: ₹10.00
P/E: 12.70
P/B: —
EPS (TTM): ₹88.84
Book value / share: —
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 2.27
Net debt: ₹41,060 Cr
Interest cover: 1.59
Dividend yield: 0.71%
Dividend / share (TTM): ₹8.00
Payout: 9.01%
Cash conversion cycle: —

Financials

Metric	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q4 FY24	Q3 FY19	Q2 FY19	Q1 FY19	Q4 FY18
Income statement
	2,263	2,182	2,119	2,128	2,076	2,022	—	2,078	1,808	1,648	1,570
	1.92	-9.62	1.64	2.74	5.76	14.93	—	0.72	0.00	0.20	0.23
	1,547	1,317	1,452	1,371	1,394	1,326	—	1,637	1,436	1,273	1,228
	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—
	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—
	134.67	125.60	133.87	109.22	118.01	105.11	—	81.10	80.89	50.58	40.22
	1,339	1,246	1,253	1,267	1,234	1,178	—	1,410	1,229	1,100	1,017
	16.36	19.18	16.20	16.40	14.70	14.31	—	7.59	7.91	—	7.03
	83.11	98.56	86.50	91.19	79.65	88.42	—	67.79	37.81	72.00	119.44
	718.44	854.61	668.44	759.64	687.92	711.21	—	441.59	372.48	375.25	342.31
	0.00	0.00	0.00	0.00	0.00	0.00	—	0.00	0.00	0.00	0.00
	718.44	854.61	668.44	759.64	687.92	711.21	—	441.59	372.48	375.25	342.31
	161.10	198.81	148.09	178.05	154.42	160.83	—	138.62	119.49	119.46	123.10
	557.34	655.80	520.35	581.59	533.50	550.38	—	302.97	252.99	255.79	219.21
	21.39	25.17	19.97	22.34	20.52	21.18	—	18.09	—	—	—
Key metrics
	—	—	—	—	—	—	—	1,859	1,609	1,475	1,366
	—	—	—	—	—	—	—	89.50%	89.00%	89.50%	87.00%
	24.60%	30.10%	24.60%	27.30%	25.70%	27.20%	—	14.60%	14.00%	15.50%	14.00%
	9.00%	7.90%	—	—	—	—	—	—	—	—	—
	4.50%	19.20%	—	—	—	—	—	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY18
Income statement
	8,692	8,505	7,665	—	5,516
	-3.32	0.52	26.28	—	0.56
	5,687	5,534	5,206	—	4,238
	0.00	0.00	0.00	—	—
	0.00	0.00	0.00	—	—
	503.36	486.70	421.47	—	137.08
	5,104	5,000	4,551	—	3,531
	68.14	66.48	55.89	—	24.13
	359.36	355.90	321.81	—	347.43
	3,001	2,971	2,486	—	1,279
	0.00	0.00	0.00	—	0.00
	3,001	2,971	2,486	—	1,279
	686.05	679.37	549.63	—	449.28
	2,315	2,291	1,936	—	829.41
	88.87	88.01	74.52	—	—
Key metrics
	—	—	—	—	4,834
	—	—	—	—	87.60%
	26.64%	26.90%	25.30%	—	15.00%
	—	10.90%	—	—	—
	—	18.30%	—	—	—
	—	-9,017	-8,106	—	—
	—	-3.92	-4.16	—	—
	—	2.27	2.11	—	—
	—	41,060	33,395	—	—
Balance sheet
	—	93,512	82,520	—	—
	—	2,483	2,160	—	—
	—	46.92	49.56	—	—
	—	0.00	0.00	—	—
	—	241.32	81.84	—	—
	—	43,543	35,555	—	—
	—	19,219	16,863	—	—
Cash flow
	—	-8,984	-8,057	—	—
	—	684.33	757.10	—	—
	—	8,720	7,404	—	—
	—	33.06	49.05	—	—

Metric	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q4 FY24	Q3 FY19	Q2 FY19	Q1 FY19	Q4 FY18	Q3 FY18
Income statement
	2,252	2,170	2,110	2,168	2,064	2,030	—	2,000	1,730	1,616	1,570	1,438
	2.87	-9.45	2.18	3.61	6.73	15.32	—	0.72	—	0.20	0.23	0.14
	1,541	1,315	1,443	1,368	1,385	1,318	—	1,620	1,425	1,270	1,228	1,105
	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—	—
	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—	—
	107.87	102.59	106.01	84.68	93.54	83.76	—	50.87	51.61	—	39.62	34.86
	1,339	1,246	1,253	1,267	1,235	1,178	—	1,410	1,229	1,100	1,017	925.03
	16.27	19.10	16.11	16.31	14.65	14.28	—	—	—	—	7.01	6.77
	103.50	118.89	104.97	109.56	95.41	103.26	—	81.01	46.81	75.08	119.66	82.06
	714.59	845.72	668.75	803.80	685.53	727.44	—	380.35	305.03	345.62	342.70	333.85
	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—	—
	714.59	845.72	668.75	803.80	685.53	727.44	—	380.35	305.03	345.62	342.70	333.85
	160.09	197.02	147.79	177.31	153.80	160.33	—	113.40	96.77	110.57	122.25	116.39
	554.50	648.70	520.96	626.49	531.73	567.11	—	266.95	208.26	235.05	220.45	217.46
	21.28	24.90	20.00	24.06	20.45	21.82	—	—	—	—	—	—
Key metrics
	—	—	—	—	—	—	—	1,791	1,534	1,445	1,366	1,266
	—	—	—	—	—	—	—	89.60%	88.60%	89.50%	87.00%	88.00%
	24.60%	29.90%	24.70%	28.90%	25.80%	27.90%	—	13.40%	12.00%	14.50%	14.00%	15.10%
	9.10%	6.90%	—	—	—	—	—	39.00%	—	—	—	—
	4.30%	14.40%	—	—	—	—	—	22.80%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY18
Income statement
	8,700	8,511	7,633	—	5,516
	-0.79	3.07	28.46	—	0.56
	5,666	5,510	5,165	—	4,238
	0.00	0.00	0.00	—	—
	0.00	0.00	0.00	—	—
	401.15	386.82	329.38	—	136.48
	5,106	5,002	4,553	—	3,531
	67.79	66.17	55.75	—	24.11
	436.92	428.83	372.56	—	347.65
	3,033	3,004	2,496	—	1,279
	0.00	0.00	0.00	—	—
	3,033	3,004	2,496	—	1,279
	682.21	675.92	546.92	—	448.43
	2,351	2,328	1,949	—	830.65
	90.24	89.41	75.02	—	—
Key metrics
	—	—	—	—	4,834
	—	—	—	—	87.60%
	27.02%	27.40%	25.50%	—	15.10%
	—	11.50%	—	—	—
	—	19.40%	—	—	—
	—	-8,906	-8,168	—	—
	—	-3.81	-4.17	—	—
	—	2.26	2.11	—	—
	—	41,060	33,458	—	—
Balance sheet
	—	93,533	82,497	—	—
	—	2,483	2,097	—	—
	—	47.15	49.85	—	—
	—	0.00	0.00	—	—
	—	240.74	81.79	—	—
	—	43,543	35,555	—	—
	—	19,226	16,834	—	—
Cash flow
	—	-8,873	-8,120	—	—
	—	635.99	756.64	—	—
	—	8,720	7,404	—	—
	—	33.00	48.92	—	—

Compounded growth

Standalone

Sales CAGR 3Y: —
Sales CAGR 5Y: —
Sales CAGR 10Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Profit CAGR 10Y: —
Sales YoY (TTM): —
Profit YoY (TTM): —

Consolidated

Sales CAGR 3Y: —
Sales CAGR 5Y: —
Sales CAGR 10Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Profit CAGR 10Y: —
Sales YoY (TTM): —
Profit YoY (TTM): —

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Jun 2026

Promoter holding: 28.03%

Quarter	June 2026	March 2026	December 2025
Promoter %	28.03%	28.04%	28.04%

Holder	Type	Holding	Previous	Change
Punjab National Bank	Promoter	28.03%	28.04%	-0.01%
Aditya Birla Sun Life Trustee Private Limited A/C - Aditya Birla Sun Life Large Cap Fund	Public	3.47%	3.68%	-0.21%
Hsbc Mutual Fund - Hsbc Value Fund	Public	3.35%	3.59%	-0.24%
Icici Prudential Focus Equity Fund	Public	2.85%	—	—
Sbi Life Insurance Co. Ltd	Public	2.52%	2.70%	-0.18%
Pi Opportunities Aif V Llp	Public	2.41%	2.36%	+0.05%
Hdfc Mutual Fund - Hdfc Multi Cap Fund	Public	2.38%	2.37%	+0.01%
Nippon Life India Trustee Ltd-A/C Nippon India Small Cap Fund	Public	2.38%	2.42%	-0.04%
Franklin India Small Cap Fund	Public	2.33%	2.15%	+0.18%
Canara Robeco Mutual Fund A/C Canara Robeco Small Cap Fund	Public	2.25%	2.02%	+0.23%
Axis Mutual Fund Trustee Limited A/C Axis Mutual Fund A/C Axis Small Cap Fund	Public	2.15%	1.40%	+0.75%
Dsp Small Cap Fund	Public	2.08%	2.31%	-0.23%
Bandhan Small Cap Fund	Public	1.73%	1.89%	-0.16%
Sundaram Mutual Fund A/C Sundaram Services Fund	Public	1.06%	1.10%	-0.04%
Stichting Depositary Apg Emerging Markets Equity Pool	Public	1.04%	1.31%	-0.27%

Public shareholders are disclosed individually only above 1%.

Filings & corporate actions

Recent announcements

Schedule of analysts or institutional investors meet - Prior Intimation17 Sep 2026 · Company Update / Analyst / Investor Meet
The Company has informed the Exchange regarding allotment of 50000NCDs17 Sep 2026 · Company Update / Allotment of Equity Shares
Schedule of analysts or institutional investors meet - Prior Intimation15 Sep 2026 · Company Update / Analyst / Investor Meet
Revised Outcome of Board Meeting held on September 7, 2026. For details, refer enclosed file.7 Sep 2026 · Company Update / General
Outcome of Meeting of Board of Directors of the Company held on September 07, 2026. For details, refer attached intimation.7 Sep 2026 · Board Meeting / Outcome of Board Meeting
Analysts or Institutional investors meet - Outcome4 Sep 2026 · Company Update / Analyst / Investor Meet
Analysts or Institutional investors meet - Outcome3 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of ESG Rating3 Sep 2026 · Company Update / General
PNB Housing Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 07/09/2026 ,inter alia, to consider and approve fund raising by issuance ....31 Aug 2026 · Board Meeting / Board Meeting
Schedule of analysts or institutional investors meet - Prior Intimation31 Aug 2026 · Company Update / Analyst / Investor Meet
The Company has informed the exchange regarding changes in the Senior Management Personnel.29 Aug 2026 · Company Update / Change in Management
Schedule of analysts or institutional investors meet - Prior Intimation27 Aug 2026 · Company Update / Analyst / Investor Meet
Intimation of credit Rating Upgradation to ICRA AAA/ Stable from ICRA AA+/Stable by ICRA Limited25 Aug 2026 · Company Update / Credit Rating
Analysts or Institutional Investors Meet- Update24 Aug 2026 · Company Update / General
Analysts or Institutional investors meet - Outcome21 Aug 2026 · Company Update / Analyst / Investor Meet
This is to inform that the Company has allotted 2,13,990 equity shares pursuant to exercise of ESOPs and RSUs20 Aug 2026 · Company Update / Allotment of ESOP / ESPS
PNB Housing Finance Limited has informed Exchange regarding Credit Rating.20 Aug 2026 · Company Update / Credit Rating
Schedule of analysts or institutional investors meet - Prior Intimation19 Aug 2026 · Company Update / Analyst / Investor Meet
Analysts or Institutional investors meet - Outcome18 Aug 2026 · Company Update / Analyst / Investor Meet
Outcome of the 38th Annual General Meeting held on August 17, 2026. For details, please refer enclosed intimation.18 Aug 2026 · AGM/EGM / AGM
Combined voting results of the 38th Annual General Meeting (AGM) of the Company held on August 17, 2026 at 03:00 P.M. For details, please refer enclosed Intimation.18 Aug 2026 · AGM/EGM / AGM
We wish to inform that the 38th Annual General Meeting (AGM) was held today. The proceedings of the AGM are attached.17 Aug 2026 · AGM/EGM / AGM
Schedule of analysts or institutional investors meet - Prior Intimation13 Aug 2026 · Company Update / Analyst / Investor Meet
Schedule of analysts or institutional investors meet - Prior Intimation12 Aug 2026 · Company Update / Analyst / Investor Meet
Transcript of Earnings Call Q1 FY27 held on August 05, 2026.7 Aug 2026 · Company Update / Earnings Call Transcript
Newspaper Publication regarding Un-Audited Financial Results for Quarter ended June 30, 2026.5 Aug 2026 · Company Update / Newspaper Publication
Company has enclosed the Link for Audio Recordings of the Investor Call held for Q1FY27 Financial Results.5 Aug 2026 · Company Update / Analyst / Investor Meet
The Company has submitted the Investor Presentation for Q1FY27.4 Aug 2026 · Company Update / Investor Presentation
The Company has submitted the Press Release on the Financial Performance of the Company for the quarter ended June 30, 20264 Aug 2026 · Company Update / Press Release / Media Release
The Board of Directors of PNB Housing Finance Limited (''the Company'') at its meeting held today i.e., August 04, 2026 (Tuesday), has, inter-alia: approved the Un-Audited Financial Results ....4 Aug 2026 · Result / Financial Results
The Board of Directors of PNB Housing Finance Limited ('the Company') at its meeting held today i.e., August 04, 2026 (Tuesday), has, inter-alia: approved the Un-Audited Financial Results ....4 Aug 2026 · Board Meeting / Outcome of Board Meeting
The Company has informed the Exchange regarding Resignation of Senior Management Person.3 Aug 2026 · Company Update / Change in Management
Communication to Shareholders with respect to TDS on dividend is attached.30 Jul 2026 · Company Update / General
Earnings call Invite for the Q-1 FY 2026-27. For details refer enclosed intimation.27 Jul 2026 · Company Update / Analyst / Investor Meet
PNB Housing Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 04/08/2026 ,inter alia, to consider and approve the un-audited financial ....27 Jul 2026 · Board Meeting / Board Meeting
Newspaper Publication - 38th Annual General Meeting24 Jul 2026 · Company Update / Newspaper Publication
The Company has submitted Business Responsibility and Sustainability Report for the Financial Year 2025-26.23 Jul 2026 · Others / Business Responsibility and Sustainability Reporting (BRSR)
The Company has submitted Notice of 38th Annual General meeting and Annual report of the Company for the financial year 2025-2623 Jul 2026 · AGM/EGM / AGM
The Company has submitted the Annual report for the financial Year 2025-2623 Jul 2026 · Others / Reg. 34 (1) Annual Report
The Company has submitted information in compliance with Regulation 30 and 51 of SEBI (LODR) Regulations. Kindly refer attached letter.20 Jul 2026 · Company Update / General

Corporate actions

Purpose	Ex date	Record date	Payment date
Final Dividend - Rs. - 8.0000	31 Jul 2026	31 Jul 2026	—
Final Dividend - Rs. - 5.0000	1 Aug 2025	1 Aug 2025	—

Board meetings

4 Aug 2026 Board Meeting - Financial Results