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]
Service OfferingsThe company provides loans to purchase, construct, repair, and upgrade houses. It also provides loans for commercial space, loans against property, and loans for purchasing residential plots.[1]
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Bajaj Housing | 95.89 | 33.83 | 79874.04 | 0.00 | 642.96 | 17.84 | 2754.85 | 14.30 | 9.55 | 10327.38 | 90.96 | 2360.96 | 642.96 | 3.77 | 2.35 | 4.44 |
| 2. | Piramal Finance. | 1850.20 | 67.56 | 41934.12 | 0.00 | 326.99 | 150.22 | 2871.55 | 21.42 | 7.73 | 10150.20 | 58.14 | 620.66 | 407.79 | 1.53 | 0.60 | 2.61 |
| 3. | LIC Housing Fin. | 538.20 | 5.36 | 29609.87 | 1.86 | 1349.37 | 1.62 | 7179.25 | 3.48 | 8.93 | 28804.92 | 93.85 | 5521.36 | 1349.25 | 0.77 | 1.80 | 7.08 |
| 4. | PNB Housing | 1004.40 | 11.92 | 26190.17 | 0.50 | 626.49 | 32.82 | 2167.91 | 16.08 | 9.46 | 8184.49 | 93.96 | 2196.76 | 626.49 | 1.45 | 2.52 | 3.62 |
| 5. | Aadhar Hsg. Fin. | 496.20 | 21.80 | 21535.75 | 0.00 | 266.47 | 17.12 | 897.13 | 17.38 | 11.42 | 3375.53 | 76.35 | 987.93 | 266.47 | 3.12 | 4.31 | 2.55 |
| 6. | Aptus Value Hou. | 289.10 | 17.15 | 14460.78 | 1.56 | 226.55 | 24.50 | 544.04 | 29.11 | 15.05 | 1998.39 | 84.25 | 843.33 | 226.55 | 3.11 | 7.42 | 1.57 |
| 7. | Sammaan Capital | 149.95 | 9.79 | 12425.81 | 0.00 | 308.47 | 111.17 | 2250.60 | -7.10 | 3.65 | 8774.88 | 74.43 | 1269.25 | 308.47 | 0.56 | -2.52 | 2.04 |
| â | Median: 16 Co. | 460.25 | 17.15 | 11975.73 | 0.42 | 195.24 | 24.75 | 605.53 | 14.98 | 9.82 | 2262.96 | 77.97 | 611.96 | 195.24 | 1.57 | 2.44 | 2.67 |
Standalone figures in âš crores
| Dec 2022 | Dec 2023 | Dec 2024 | Jun 2023 | Jun 2024 | Jun 2025 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | â | â | â | â | â | â | â | â | â | â | â | â | â |
Expenses | 409 | 206 | 149 | 187 | 153 | 136 | 261 | 156 | 125 | 356 | 190 | 130 | 84 |
Operating Profit | â | â | â | â | â | â | â | â | â | â | â | â | â |
Other Income | 0 | 3 | 2 | 0 | 9 | 7 | 1 | 5 | 15 | -1 | 2 | 2 | 4 |
Profit before tax | 369 | 445 | 603 | 451 | 559 | 686 | 346 | 566 | 727 | 338 | 509 | 607 | 804 |
Tax % | 26% | 22% | 22% | 22% | 21% | 22% | 18% | 22% | 22% | 22% | 24% | 22% | 22% |
Net Profit | 272 | 347 | 471 | 353 | 439 | 532 | 283 | 444 | 567 | 263 | 384 | 472 | 626 |
EPS in Rs | 10.50 | 13.34 | 18.14 | 13.59 | 16.89 | 20.44 | 10.90 | 17.09 | 21.82 | 10.14 | 14.81 | 18.15 | 24.05 |
Standalone Figures in âš Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | â | â | â | â | â | â | â | â | â | â | â | â | â |
Expenses | 136 | 213 | 320 | 442 | 693 | 708 | 1,719 | 1,235 | 964 | 1,173 | 737 | 557 | 494 |
Operating Profit | â | â | â | â | â | â | â | â | â | â | â | â | â |
Other Income | -0 | -0 | 1 | 0 | 0 | 4 | 7 | 15 | 5 | 2 | 7 | 10 | 28 |
Interest | 802 | 1,265 | 1,860 | 2,644 | 3,537 | 5,167 | 5,876 | 5,100 | 4,066 | 3,901 | 4,264 | 4,553 | 4,839 |
Depreciation | 3 | 8 | 15 | 19 | 24 | 31 | 66 | 59 | 53 | 51 | 51 | 56 | 60 |
Profit before tax | 179 | 294 | 503 | 804 | 1,235 | 1,578 | 825 | 1,187 | 1,063 | 1,367 | 1,972 | 2,496 | 2,820 |
Net Profit | 130 | 194 | 326 | 524 | 842 | 1,081 | 682 | 925 | 822 | 1,056 | 1,527 | 1,949 | 2,197 |
EPS in Rs | 9.45 | 9.95 | 16.73 | 20.57 | 32.90 | 42.01 | 26.39 | 35.78 | 31.72 | 40.70 | 58.81 | 74.98 | 84.45 |
Dividend Payout % | 15% | 16% | 13% | 19% | 18% | 14% | 0% | 0% | 0% | 0% | 0% | 7% | â |
Standalone figures in âš crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 66 | 104 | 127 | 166 | 167 | 167 | 168 | 168 | 169 | 169 | 260 | 260 | 261 |
Reserves | 868 | 1,475 | 2,019 | 5,412 | 6,402 | 7,268 | 7,779 | 8,699 | 9,632 | 10,784 | 14,673 | 16,574 | 17,724 |
Borrowings | â | â | â | â | â | â | â | â | â | â | â | â | â |
Other Liabilities | 498 | 976 | 1,511 | 1,885 | 2,673 | 4,456 | 3,191 | 3,072 | 2,844 | 2,231 | 2,422 | 3,353 | 2,631 |
Total Liabilities | 11,540 | 19,035 | 29,671 | 42,960 | 63,018 | 83,750 | 78,874 | 71,333 | 65,649 | 66,805 | 72,371 | 82,497 | 85,784 |
Fixed Assets | 26 | 40 | 58 | 58 | 255 | 102 | 250 | 181 | 150 | 146 | 206 | 239 | 258 |
Gross Block | 30.79 | 52.20 | 85.55 | 104.30 | 278.23 | 155.48 | 364.74 | 340.76 | 362.25 | 400.19 | 439.48 | 488.96 | â |
Accumulated Depreciation | 4.97 | 12.62 | 27.44 | 45.90 | 23.57 | 53.17 | 114.49 | 160.11 | 212.26 | 254.34 | 233.04 | 250.11 | â |
CWIP | 3 | 18 | 4 | 2 | 10 | 5 | 4 | 2 | 4 | 3 | 15 | 16 | 3 |
Investments | 645 | 1,586 | 1,622 | 3,280 | 2,413 | 4,457 | 2,048 | 2,033 | 3,472 | 3,188 | 4,345 | 3,381 | 3,114 |
Other Assets | 10,865 | 17,392 | 27,987 | 39,620 | 60,340 | 79,185 | 76,572 | 69,117 | 62,024 | 63,468 | 67,804 | 78,861 | 82,408 |
Total Assets | 11,540 | 19,035 | 29,671 | 42,960 | 63,018 | 83,750 | 78,874 | 71,333 | 65,649 | 66,805 | 72,371 | 82,497 | 85,784 |
Standalone Figures in âš Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operating Activity | -3,627 | -6,791 | -9,664 | -12,406 | -15,664 | -16,626 | 8,911 | 6,731 | 6,218 | -1,772 | -4,644 | -8,120 |
Cash from Investing Activity | -15 | -37 | -20 | -17 | -50 | -53 | -62 | -6 | -1,476 | 174 | -1,193 | 757 |
Cash from Financing Activity | 3,604 | 6,850 | 9,804 | 12,322 | 18,464 | 17,888 | -4,362 | -8,331 | -6,684 | 301 | 4,179 | 7,404 |
Net Cash Flow | -38 | 22 | 120 | -101 | 2,751 | 1,209 | 4,486 | -1,606 | -1,942 | -1,297 | -1,659 | 41 |
Standalone Figures in âš Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | â | â | â | â | â | â | â | â | â | â | â | â |
Inventory Days | â | â | â | â | â | â | â | â | â | â | â | â |
Days Payable | â | â | â | â | â | â | â | â | â | â | â | â |
Cash Conversion Cycle | â | â | â | â | â | â | â | â | â | â | â | â |
Working Capital Days | â | â | â | â | â | â | â | â | â | â | â | â |
ROCE % | â | â | â | â | â | â | â | â | â | â | â | â |
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Stock Analysis
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.
The company focuses on retail loan growth, particularly in the high-yielding Affordable and Emerging Markets segments. Management is committed to accelerating retail growth and expanding its niche segments to drive sustainable value creation.
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