PNB Housing Finance Limited
Financial Services›Financial Services›Finance›Housing Finance Company
Key metrics
Price as of 2026-07-17
Stock price
₹1099.80
Market cap
28,655 Cr
Stock P/E
12.6
P/B
1.49
Dividend yield
0.5%
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | — | — | — | — | — | — | — | — | — | — | — |
| Other income | 0.09 Cr | 2 Cr | 3 Cr | 7 Cr | 9 Cr | 10 Cr | 1 Cr | 15 Cr | 6 Cr | 3 Cr | 2 Cr | -10 Cr |
| Net operating income | 0.09 Cr | 2 Cr | 3 Cr | 7 Cr | 9 Cr | 10 Cr | 1 Cr | 15 Cr | 6 Cr | 3 Cr | 2 Cr | -10 Cr |
| Employee cost | 81 Cr | 166 Cr | 247 Cr | 337 Cr | 109 Cr | 218 Cr | 98 Cr | 105 Cr | 118 Cr | 109 Cr | 134 Cr | 126 Cr |
| Other expenses | 56 Cr | 127 Cr | 199 Cr | 270 Cr | 67 Cr | 143 Cr | 90 Cr | 88 Cr | 80 Cr | 91 Cr | 87 Cr | 99 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 13 Cr | 24 Cr | 37 Cr | 51 Cr | 13 Cr | 27 Cr | 14 Cr | 14 Cr | 15 Cr | 16 Cr | 16 Cr | 19 Cr |
| Profit before tax | 447 Cr | 954 Cr | 1,394 Cr | 1,954 Cr | 554 Cr | 1,159 Cr | 616 Cr | 711 Cr | 688 Cr | 760 Cr | 668 Cr | 855 Cr |
| Tax % | 22.2% | 23.4% | 23.3% | 22.8% | 21.9% | 22.1% | 21.5% | 22.6% | 22.4% | 23.4% | 22.2% | 23.3% |
| Net profit | 347 Cr | 730 Cr | 1,069 Cr | 1,508 Cr | 433 Cr | 902 Cr | 483 Cr | 550 Cr | 534 Cr | 582 Cr | 520 Cr | 656 Cr |
| EPS (₹) | ₹13.64 | ₹0.00 | ₹41.44 | ₹58.37 | ₹16.66 | ₹34.75 | ₹18.60 | ₹21.18 | ₹20.52 | ₹22.34 | ₹19.97 | ₹25.17 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2019 | Mar 2020Standalone only | Mar 2021Standalone only | Mar 2022Standalone only | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 1,626 Cr | 1,814 Cr | 2,092 Cr | 1,727 Cr | 2,301 Cr | 2,481 Cr | — | — | Sign in for TTM |
| Other income | 4 Cr | 8 Cr | 20 Cr | 5 Cr | 2 Cr | 7 Cr | 26 Cr | 0.52 Cr | Sign in for TTM |
| Net operating income | 1,630 Cr | 1,822 Cr | 2,112 Cr | 1,732 Cr | 2,303 Cr | 2,488 Cr | 26 Cr | 0.52 Cr | Sign in for TTM |
| Employee cost | 304 Cr | 233 Cr | 211 Cr | 217 Cr | 266 Cr | 337 Cr | 421 Cr | 487 Cr | Sign in for TTM |
| Other expenses | 204 Cr | 244 Cr | 173 Cr | 195 Cr | 250 Cr | 270 Cr | 322 Cr | 356 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 31 Cr | 66 Cr | 59 Cr | 53 Cr | 51 Cr | 51 Cr | 56 Cr | 66 Cr | Sign in for TTM |
| Profit before tax | 1,734 Cr | 811 Cr | 1,207 Cr | 1,084 Cr | 1,361 Cr | 1,954 Cr | 2,486 Cr | 2,971 Cr | Sign in for TTM |
| Tax % | 31.3% | 20.3% | 23.0% | 22.8% | 23.1% | 22.8% | 22.1% | 22.9% | Sign in for TTM |
| Net profit | 1,192 Cr | 646 Cr | 930 Cr | 836 Cr | 1,046 Cr | 1,508 Cr | 1,936 Cr | 2,291 Cr | Sign in for TTM |
| EPS (₹) | ₹71.19 | ₹38.45 | ₹55.29 | ₹49.64 | ₹62.01 | ₹58.37 | ₹74.52 | ₹88.01 | Sign in for TTM |
| Dividend payout % | — | — | — | 0.0% | 0.0% | 0.0% | 0.0% | 5.7% | Sign in for TTM |
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Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2019 | Mar 2020Standalone only | Mar 2021Standalone only | Mar 2022Standalone only | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 167 Cr | 168 Cr | 168 Cr | 169 Cr | 169 Cr | 260 Cr | 260 Cr | 261 Cr |
| Reserves | 7,376 Cr | 7,779 Cr | 8,755 Cr | 9,632 Cr | 10,845 Cr | 14,715 Cr | 16,603 Cr | 18,959 Cr |
| Borrowings | 26,793 Cr | 32,328 Cr | 29,746 Cr | 27,716 Cr | 31,175 Cr | 28,667 Cr | 35,555 Cr | 43,543 Cr |
| Other liabilities | 49,532 Cr | 38,599 Cr | 32,719 Cr | 28,133 Cr | 24,685 Cr | 28,763 Cr | 30,102 Cr | 30,750 Cr |
| Total liabilities | 83,869 Cr | 78,874 Cr | 71,333 Cr | 65,649 Cr | 66,874 Cr | 72,405 Cr | 82,520 Cr | 93,512 Cr |
| Fixed assets (net) | 78 Cr | 105 Cr | 82 Cr | 71 Cr | 132 Cr | 67 Cr | 82 Cr | 241 Cr |
| CWIP | 4 Cr | 1 Cr | 0.01 Cr | 0.0000 Cr | 0.08 Cr | 5 Cr | 5 Cr | 1 Cr |
| Investments | 4,561 Cr | 2,048 Cr | 2,033 Cr | 3,472 Cr | 3,196 Cr | 4,346 Cr | 3,381 Cr | 2,779 Cr |
| Other assets | 4,073 Cr | 8,518 Cr | 6,921 Cr | 5,003 Cr | 3,691 Cr | 2,194 Cr | 2,210 Cr | 2,530 Cr |
| Total assets | 83,869 Cr | 78,874 Cr | 71,333 Cr | 65,649 Cr | 66,874 Cr | 72,405 Cr | 82,520 Cr | 93,512 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2019 | Mar 2020Standalone only | Mar 2021Standalone only | Mar 2022Standalone only | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | — | — | 6,256 Cr | -1,865 Cr | -4,662 Cr | -8,057 Cr | -8,984 Cr |
| Cash from investing | — | — | — | -1,475 Cr | 176 Cr | -1,186 Cr | 757 Cr | 684 Cr |
| Cash from financing | — | — | — | -6,684 Cr | 301 Cr | 4,179 Cr | 7,404 Cr | 8,720 Cr |
| Net cash flow | — | — | — | -1,903 Cr | -1,388 Cr | -1,669 Cr | 104 Cr | 421 Cr |
| Free cash flow (OCF − Capex) | — | — | — | 6,242 Cr | -1,878 Cr | -4,701 Cr | -8,106 Cr | -9,017 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2019 | Mar 2020Standalone only | Mar 2021Standalone only | Mar 2022Standalone only | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| ROCE % | 20.1% | 3975.2% | 70.7% | 3053.6% | 12.5% | 14.2% | 13.4% | 12.7% |
| ROE % | 15.8% | 0.0% | 0.0% | 0.0% | 9.5% | 10.1% | 11.5% | 11.9% |
| Debtor days | 2 | 0 | 1 | 2 | 1 | 3 | 2 | 2 |
| Inventory days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — | — |
| Cash conversion cycle | 2 | 0 | 1 | 2 | 1 | 3 | 2 | 2 |
| Debt / equity | 3.55 | 4.07 | 0.00 | 2.83 | 2.83 | 1.91 | 2.11 | 2.27 |
| Current ratio | — | — | — | — | — | — | — | — |
| Net debt / EBITDA | 3.28 | 0.00 | 0.00 | 0.00 | 5.18 | 4.24 | 4.71 | 5.11 |
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