PNB Housing Finance Limited

BSE: PNBHOUSING540173ISIN INE572E01012

Financial Services
Housing Finance Company
BSE 500

Share price

₹1,081.00+21.15 (+2.00%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹1,224.25
52W low: ₹730.00
Off 52W high: -11.70%
1M return: -2.61%
3M return: -3.62%
6M return: +1.45%
1Y return: +16.06%
20D avg volume: 87,878
50 DMA: ₹1,135.72
200 DMA: ₹1,009.84

Key ratios Consolidated

Market cap: ₹28,193 Cr
Current price: ₹1,081.00
52W high / low: ₹1,224.25 / ₹730.00
Face value: ₹10.00
P/E: 12.00
P/B: 1.39
EPS (TTM): ₹90.11
Book value / share: ₹776.43
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 2.27
Net debt: ₹41,060 Cr
Interest cover: 1.59
Dividend yield: 0.74%
Dividend / share (TTM): ₹8.00
Payout: 8.88%
Cash conversion cycle: —

Financials

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	2,423	2,263	2,182	2,119	2,128	2,076	2,022	1,942	1,879	1,823	1,810	1,755
	0.80	1.92	-9.62	1.64	2.74	5.76	14.93	1.35	0.98	9.02	4.02	1.25
	2,424	2,265	2,172	2,121	2,131	2,082	2,037	1,943	1,880	1,832	1,814	1,756
	1,627	1,547	1,317	1,452	1,371	1,394	1,326	1,327	1,275	1,278	1,254	1,316
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	138.96	134.67	125.60	133.87	109.22	118.01	105.11	98.29	108.84	109.23	90.62	80.58
	1,415	1,339	1,246	1,253	1,267	1,234	1,178	1,158	1,118	1,097	1,070	1,087
	16.78	16.36	19.18	16.20	16.40	14.70	14.31	14.38	13.85	13.35	14.18	13.05
	100.11	83.11	98.56	86.50	91.19	79.65	88.42	89.91	76.13	67.35	71.06	71.95
	796.61	718.44	854.61	668.44	759.64	687.92	711.21	615.65	604.73	554.18	559.81	440.30
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	796.61	718.44	854.61	668.44	759.64	687.92	711.21	615.65	604.73	554.18	559.81	440.30
	180.06	161.10	198.81	148.09	178.05	154.42	160.83	—	—	—	—	—
	616.55	557.34	655.80	520.35	581.59	533.50	550.38	483.27	469.68	432.81	439.25	338.44
	23.65	21.39	25.17	19.97	22.34	20.52	21.18	18.60	18.08	16.66	16.91	13.04
Key metrics
	—	—	—	—	—	—	—	1,788	1,737	1,664	1,644	1,540
	—	—	—	—	—	—	—	92.10%	92.50%	91.30%	90.80%	87.80%
	25.40%	24.60%	30.10%	24.60%	27.30%	25.70%	27.20%	24.90%	25.00%	23.70%	24.30%	19.30%
	13.90%	9.00%	7.90%	9.10%	13.30%	13.90%	11.70%	10.70%	—	—	—	—
	6.00%	4.50%	19.20%	7.70%	23.80%	23.30%	25.30%	42.80%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22	FY18
Income statement
	8,987	8,505	7,665	7,050	6,527	6,196	5,516
	-5.26	0.52	26.28	7.01	2.33	4.80	0.56
	8,982	8,505	7,692	7,057	6,530	6,201	5,517
	5,944	5,534	5,206	5,103	5,169	5,117	4,238
	0.00	0.00	0.00	0.00	0.00	0.00	—
	0.00	0.00	0.00	0.00	0.00	0.00	—
	533.10	486.70	421.47	337.34	265.96	216.61	137.08
	5,252	5,000	4,551	4,261	3,899	4,064	3,531
	68.52	66.48	55.89	51.19	51.44	53.39	24.13
	368.28	355.90	321.81	270.08	202.38	194.83	347.43
	3,038	2,971	2,486	1,954	1,361	1,084	1,279
	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	3,038	2,971	2,486	1,954	1,361	1,084	1,279
	688.06	679.37	549.63	—	—	—	449.28
	2,350	2,291	1,936	1,508	1,046	836.48	829.41
	90.18	88.01	74.52	58.37	62.01	49.64	—
Key metrics
	—	—	—	6,266	5,311	5,202	4,834
	—	—	—	88.90%	81.40%	84.00%	87.60%
	26.15%	26.90%	25.30%	21.40%	16.00%	13.50%	15.00%
	10.03%	10.90%	8.70%	8.00%	5.30%	12.30%	—
	9.37%	18.30%	28.40%	44.20%	25.00%	0.90%	—
	—	-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	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	2,460	2,252	2,170	2,110	2,168	2,064	2,030	1,923	1,868	1,813	1,801	1,748
	1.25	2.87	9.45	2.18	3.61	6.73	15.32	2.13	1.53	9.48	5.02	3.42
	2,461	2,255	2,160	2,112	2,172	2,071	2,045	1,925	1,869	1,822	1,806	1,751
	1,620	1,541	1,315	1,443	1,368	1,385	1,318	1,322	1,262	1,263	1,240	1,306
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	109.96	107.87	102.59	106.01	84.68	93.54	83.76	80.07	81.68	83.87	69.54	63.10
	1,415	1,339	1,246	1,253	1,267	1,235	1,178	1,158	1,119	1,097	1,070	1,087
	16.70	16.27	19.10	16.11	16.31	14.65	14.28	14.34	13.82	13.31	14.13	13.02
	121.28	103.50	118.89	104.97	109.56	95.41	103.26	102.47	90.42	76.41	77.48	80.94
	840.71	714.59	845.72	668.75	803.80	685.53	727.44	603.11	606.59	558.73	566.03	445.25
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	840.71	714.59	845.72	668.75	803.80	685.53	727.44	603.11	606.59	558.73	566.03	445.25
	179.27	160.09	197.02	147.79	177.31	153.80	160.33	—	—	—	—	—
	661.44	554.50	648.70	520.96	626.49	531.73	567.11	471.43	471.70	438.71	443.80	346.54
	25.37	21.28	24.90	20.00	24.06	20.45	21.82	18.14	18.16	16.89	17.09	13.35
Key metrics
	—	—	—	—	—	—	—	1,776	1,739	1,669	1,650	1,545
	—	—	—	—	—	—	—	92.40%	93.10%	92.10%	91.60%	88.40%
	26.90%	24.60%	29.90%	24.70%	28.90%	25.80%	27.90%	24.50%	25.30%	24.20%	24.60%	19.80%
	13.50%	9.10%	6.90%	9.70%	16.10%	13.90%	12.70%	10.00%	—	—	—	—
	5.60%	4.30%	14.40%	10.50%	32.80%	21.20%	27.80%	36.00%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22	FY18
Income statement
	8,992	8,511	7,633	7,014	6,491	6,141	5,516
	15.75	3.07	28.46	10.24	1.84	4.83	0.56
	8,988	8,514	7,661	7,024	6,492	6,146	5,517
	5,919	5,510	5,165	5,052	5,126	5,083	4,238
	0.00	0.00	0.00	0.00	0.00	0.00	—
	0.00	0.00	0.00	0.00	0.00	0.00	—
	426.43	386.82	329.38	264.13	214.34	180.05	136.48
	5,254	5,002	4,553	4,262	3,900	4,066	3,531
	68.18	66.17	55.75	50.98	51.23	53.18	24.11
	448.64	428.83	372.56	293.17	212.63	198.91	347.65
	3,070	3,004	2,496	1,972	1,367	1,063	1,279
	0.00	0.00	0.00	0.00	0.00	0.00	—
	3,070	3,004	2,496	1,972	1,367	1,063	1,279
	684.17	675.92	546.92	—	—	—	448.43
	2,386	2,328	1,949	1,527	1,056	821.92	830.65
	91.55	89.41	75.02	59.12	62.62	48.78	—
Key metrics
	—	—	—	6,285	5,318	5,182	4,834
	—	—	—	89.60%	81.90%	84.40%	87.60%
	26.53%	27.40%	25.50%	21.80%	16.30%	13.40%	15.10%
	9.86%	11.50%	8.80%	8.10%	5.70%	11.30%	—
	8.60%	19.40%	27.60%	44.60%	28.50%	-1.10%	—
	—	-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: +9.46%
Sales CAGR 5Y: —
Profit CAGR 3Y: +30.14%
Profit CAGR 5Y: —
Sales YoY (TTM): +9.86%
Profit YoY (TTM): +8.60%

Consolidated

Sales CAGR 3Y: +9.22%
Sales CAGR 5Y: —
Profit CAGR 3Y: +29.87%
Profit CAGR 5Y: —
Sales YoY (TTM): +10.03%
Profit YoY (TTM): +9.37%

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 Sep 2026

Promoter holding: 28.01%

Quarter	September 2026	June 2026	March 2026	December 2025
Promoter %	28.01%	28.03%	28.04%	28.04%

Holder	Type	Holding	Previous	Change
Punjab National Bank	Promoter	28.01%	28.03%	-0.02%
Aditya Birla Sun Life Mutual Fund - Aditya Birla Sun Life Large Cap Fund	Public	4.13%	—	—
Hsbc Mutual Fund - Hsbc Value Fund	Public	3.42%	3.35%	+0.07%
Icici Prudential Focus Equity Fund	Public	3.19%	2.85%	+0.34%
Nippon Life India Trustee Ltd-A/C Nippon India Small Cap Fund	Public	2.88%	2.38%	+0.50%
Sbi Life Insurance Co. Ltd	Public	2.69%	2.52%	+0.17%
Pi Opportunities Aif V Llp	Public	2.41%	2.41%	0.00%
Hdfc Mutual Fund - Hdfc Multi Cap Fund	Public	2.32%	2.38%	-0.06%
Canara Robeco Mutual Fund A/C Canara Robeco Small Cap Fund	Public	2.29%	2.25%	+0.04%
Axis Mutual Fund Trustee Limited A/C Axis Mutual Fund A/C Axis Small Cap Fund	Public	2.29%	2.15%	+0.14%
Dsp Small Cap Fund	Public	2.03%	2.08%	-0.05%
Bandhan Small Cap Fund	Public	1.74%	1.73%	+0.01%
Sbi Psu Fund	Public	1.48%	—	—
Franklin India Small Cap Fund	Public	1.37%	2.33%	-0.96%
Tata Aia Life Insurance Co Ltd-Whole Life Mid Cap Equity Fund-Ulif 009 04/01/07 Wle 110	Public	1.33%	—	—

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
Bajaj Housing Finance Limited S	67,800	81.37	24.16	—	+17.18% TTM	+18.86% TTM	-25.76%
Lic Housing Finance Ltd.	28,603	520.00	4.85	—	-0.37% TTM	+6.78% TTM	-9.38%
PNB Housing Finance Limited	28,193	1,081.00	12.00	—	+10.03% TTM	+9.37% TTM	+16.06%
Aadhar Housing Finance Limited	18,882	430.70	16.55	—	+17.72% TTM	+20.23% TTM	-15.47%
Sammaan Capital Limited	14,641	126.05	-2.03	—	-17.09% TTM	-301.99% TTM	-32.27%
Home First Finance Company India Limited S	11,304	1,081.00	18.24	—	+19.25% TTM	+36.85% TTM	-9.60%
Aptus Value Housing Finance India Limited	10,335	206.35	10.50	—	+19.37% TTM	+21.60% TTM	-30.02%
Can Fin Homes Ltd. S	9,651	724.80	8.37	—	+7.87% TTM	+25.13% TTM	-15.86%
AAVAS Financiers Limited	8,924	1,125.40	18.19	—	+25.43% TTM	+14.21% TTM	-31.41%
India Shelter Finance Corporation Limited	7,018	642.50	13.94	—	+31.12% TTM	+33.15% TTM	-27.57%
Repco Home Finance Limited	2,053	328.10	4.26	—	+6.22% TTM	+3.84% TTM	-27.01%
GIC Housing Finance Ltd.	676	125.60	4.29	—	+1.24% TTM	+22.22% TTM	-27.25%
SRG Housing Finance Limited S	159	100.95	4.64	—	+31.34% TTM	+35.05% TTM	-65.50%
Reliance Home Finance Limited S	67	1.38	2.89	-84.90%	-64.52% TTM	+778.93% TTM	-59.05%
Ind Bank Housing Ltd S	49	48.55	12.40	—	+1,267.86% TTM	+1,729.17% TTM	+27.60%
India Home Loan Limited S	42	29.49	282.66	—	-11.09% TTM	-12.50% TTM	-19.09%
STAR HOUSING FINANCE LIMITED S	32	4.06	4.82	—	+23.80% TTM	-38.86% TTM	-75.36%
Sahara HousingFina Corporation Ltd. S	26	36.61	86.20	—	-12.62% TTM	-51.61% TTM	-31.35%
Manraj Housing Finance Ltd. S	17	34.00	-94.44	-2.50%	—	+63.04% TTM	—
Hindustan Housing Co. Ltd. S	0	—	0.04	4.40%	+12.13% TTM	-7.76% TTM	—

Filings & corporate actions

Recent announcements

Company has enclosed Transcript of Earnings Conference Call for the quarter and half year ended September 30, 20262 Nov 2026 · Company Update / Earnings Call Transcript
Newspaper Publication regarding Un-Audited Financial Results for quarter and Half year ended September 30, 202629 Oct 2026 · Company Update / Newspaper Publication
Company has enclosed the Link for Audio Recording of the Earnings Call for the quarter and half year ended September 30, 2026.28 Oct 2026 · Company Update / Analyst / Investor Meet
The Company has submitted the Investor Presentation for the quarter and half year ended September 30, 2026 which will be referred during earnings call with investors at 07:30 p.m. (IST) ....28 Oct 2026 · Company Update / Investor Presentation
The Company has submitted the Press Release on the Financial Performance of the Company for the quarter and half year ended September 30, 202628 Oct 2026 · Company Update / Press Release / Media Release
Submission of un-audited financial Results (Consolidated and Standalone) for the quarter and half year ended September 30, 202628 Oct 2026 · Result / Financial Results
The Board of Directors of PNB Housing Finance Limited ('the Company') at its meeting held today i.e., October 28, 2026 (Wednesday), has, inter-alia approved the un-audited Financial Results ....28 Oct 2026 · Board Meeting / Outcome of Board Meeting
PNB Housing Finance Limited has informed the Exchange regarding Allotment of 25365 NCDs.23 Oct 2026 · Company Update / Allotment of Equity Shares
Earnings call Invite for the 2nd quarter and half year ended September 30, 202616 Oct 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 28/10/2026 ,inter alia, to consider and approve to consider and approve ....16 Oct 2026 · Board Meeting / Board Meeting
Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the quarter ended September 30, 2026 is enclosed.12 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Press Release on Credit Rating Upgrade to "AAA" from Crisil.7 Oct 2026 · Company Update / Press Release / Media Release
Intimation of credit Rating upgradation to ''Crisil AAA/ Stable'' by Crisil Ratings.6 Oct 2026 · Company Update / Credit Rating
PNB Housing Finance has informed the Exchange regarding Trading Window Closure26 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
Details of the ratings assigned by re-affirmed by ICRA limited vide its rating rationale letter dated September 25, 2026 are enclosed.25 Sep 2026 · Company Update / Credit Rating
Analysts or Institutional investors meet - Outcome23 Sep 2026 · Company Update / Analyst / Investor Meet
This is to inform that Mr Anubhav Rajput, Function Head (IT Department) has been relieved from services of the Company on close of business hours today i.e. September 23, 2026.23 Sep 2026 · Company Update / Change in Management
Analysts or Institutional investors meet - Outcome21 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation for Change in Role - Senior Management Personnel21 Sep 2026 · Company Update / General
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

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

28 Oct 2026 Board Meeting - Financial Results
4 Aug 2026 Board Meeting - Financial Results