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PNB Housing Finance Limited (PNBHOUSING.NS)

INR1,095.50 -26.80 (-2.39%)
IN NSE Financial Services Financial - Mortgages
Address Antriksh Bhawan 110001
New Delhi, IN
CEO Ajai Kumar Shukla
Website pnbhousing.com
IPO 2016-11-07
ISIN INE572E01012

Explore sections of this company profile

Also trades on Bombay Stock Exchange · PNBHOUSING.BO (INR) National Stock Exchange of India · PNBHOUSING.NS (INR)
Description

PNB Housing Finance Limited operates as an Indian financial institution dedicated to housing finance. The company extends a comprehensive suite of financial products, primarily loan facilities, to both individual clients and corporate entities. These offerings cater to diverse real estate requirements, such as the acquisition, development, renovation, or enhancement of residential units, apartments, and commercial properties. Its portfolio further encompasses financing for residential land parcels and specialized mortgage solutions for Non-Resident Indians (NRIs). Beyond core property loans, the company also provides credit against existing assets, lease rental discounting services, and funding for real estate developers. Additionally, it offers fixed deposit schemes. PNB Housing Finance is also notable for its specific "Unnati" home loans and its participation in the government's Credit Linked Subsidy Scheme, aimed at aiding economically weaker, lower, and middle-income segments in home ownership. As of March 31, 2022, the company operated through a network comprising 99 branches. Established in 1988, its operational base is in New Delhi, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR1,095.50 -26.80 (-2.39%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
0.29
Float Shares
175.58M
Free Float %
67.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+3.77% +1.22% -6.87% +29.59% +5.63% +4.04% -6.22% +71.98% +54.27% +34.17% +34.17%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1,095.50
DCF (Unlevered) 2,084.62 +90.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 92% Bullish
Rating 2026-06 Change
Strong Buy 3 0
Buy 8 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.44
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Financial - Mortgages: +18.2%
    +13.4% Q1'26: +22.6% (vs Q1'25)
  • ✓
    EPS growth Financial - Mortgages: +18.3%
    +18.3% Q1'26: +19.0% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Financial - Mortgages: +84.8%
    +25.9% Q1'26: -170.8% (vs Q1'25)
  • ✓
    EBIT margin Financial - Mortgages: +34.8%
    +34.9% ★ Q1'26: +37.6% (vs Q1'25)
  • ✗
    ROIC Financial - Mortgages: +4.9%
    +3.3% Q1'26: +3.8% (vs Q1'25)
  • ✗
    Share dilution Financial - Mortgages: 0.0%
    +0.1% Q1'26: +0.1% (vs Q1'25)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×
    17.50× Q1'26: 15.20× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.29) × ERP
WACC = 33% × Ke + 67% × Kd (4.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 2,032.25 Current price: 1,095.50
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2017
actual 		Mar 2018
actual 		Mar 2019
actual 		Mar 2020
actual 		Mar 2021
actual 		Mar 2022
actual 		Mar 2023
actual 		Mar 2024
actual 		Mar 2025
actual 		Mar 2026
10 Rev. Ana.
11 EPS Ana. 		Mar 2027
9 Rev. Ana.
11 EPS Ana. 		Mar 2028
10 Rev. Ana.
11 EPS Ana. 		Mar 2029
4 Rev. Ana.
2 EPS Ana. 		Mar 2030
3 Rev. Ana.
1 EPS Ana.
Revenue
38.07B
est: 12.38B (+207.4%)
54.06B
est: 19.47B (+177.7%)
76.29B
est: 24.72B (+208.6%)
84.81B
est: 26.39B (+221.4%)
75.96B
est: 23.77B (+219.6%)
61.81B
est: 21.25B (+190.9%)
64.29B
est: 26.40B (+143.6%)
70.34B
est: 31.37B (+124.2%)
75.02B
est: 31.32B (+139.5%)
35.07B
34.34B – 35.76B
+12.0% YoY
41.01B
39.66B – 42.53B
+16.9% YoY
49.08B
45.49B – 52.17B
+19.7% YoY
57.62B
56.83B – 58.40B
+17.4% YoY
62.52B
59.09B – 65.72B
+8.5% YoY
EBITDA
8.23B
est: 2.96B (+178.1%)
12.59B
est: -21.46B (+158.7%)
17.66B
est: -27.13B (+165.1%)
8.77B
est: -38.75B (+122.6%)
12.66B
est: -38.42B (+132.9%)
11.37B
est: -41.95B (+127.1%)
14.12B
est: -45.44B (+131.1%)
20.05B
est: 8.69B (+130.8%)
25.42B
est: -22.72B (+211.9%)
9.71B
9.51B – 9.90B
+142.7% YoY
11.36B
10.98B – 11.78B
+16.9% YoY
13.59B
12.60B – 14.45B
+19.7% YoY
15.96B
15.74B – 16.17B
+17.4% YoY
17.31B
16.36B – 18.20B
+8.5% YoY
EBIT
8.04B
est: 2.86B (+181.1%)
12.35B
est: 4.50B (+174.5%)
17.34B
est: 5.71B (+203.7%)
8.11B
est: 6.10B (+33.0%)
12.07B
est: 5.49B (+119.8%)
10.84B
est: 4.91B (+120.8%)
13.61B
est: 6.10B (+123.2%)
19.54B
est: 8.44B (+131.5%)
24.86B
est: 8.43B (+194.9%)
9.44B
9.24B – 9.62B
+12.0% YoY
11.03B
10.67B – 11.45B
+16.9% YoY
13.21B
12.24B – 14.04B
+19.7% YoY
15.50B
15.29B – 15.71B
+17.4% YoY
16.82B
15.90B – 17.68B
+8.5% YoY
Net Income
5.24B
est: 7.41B (-29.3%)
8.41B
est: 6.66B (+26.3%)
11.92B
est: 10.14B (+17.6%)
6.46B
est: 13.72B (-52.9%)
9.30B
est: 5.00B (+85.8%)
8.36B
est: 5.46B (+53.1%)
10.46B
est: 5.92B (+76.7%)
15.08B
est: 15.94B (-5.4%)
19.36B
est: 18.99B (+2.0%)
22.91B
21.79B – 23.22B
+20.7% YoY
24.50B
22.82B – 26.11B
+6.9% YoY
26.96B
24.44B – 28.91B
+10.0% YoY
31.45B
30.19B – 32.71B
+16.6% YoY
29.59B
27.49B – 31.56B
-5.9% YoY
SGA
1.20B
est: 145.18M (+726.7%)
1.02B
est: 3.19B (-68.2%)
954.20M
est: 4.14B (-76.9%)
1.05B
est: 6.15B (-82.9%)
429.50M
est: 3.87B (-88.9%)
7.98B
est: 4.22B (+89.1%)
20.26B
est: 4.57B (+343.1%)
7.20B
est: 3.64B (+97.5%)
2.56B
est: 3.66B (-30.2%)
4.07B
3.99B – 4.15B
+11.2% YoY
4.76B
4.61B – 4.94B
+16.9% YoY
5.70B
5.28B – 6.06B
+19.7% YoY
6.69B
6.60B – 6.78B
+17.4% YoY
7.26B
6.86B – 7.63B
+8.5% YoY
EPS
30.41
est: 28.41 (+7.0%)
41.32
est: 40.95 (+0.9%)
58.96
est: 56.88 (+3.7%)
31.84
est: 53.76 (-40.8%)
45.78
est: 41.19 (+11.1%)
41.10
est: 41.21 (-0.3%)
51.34
est: 57.63 (-10.9%)
58.37
est: 61.37 (-4.9%)
74.52
est: 72.92 (+2.2%)
84.91
83.48 – 88.98
+16.4% YoY
92.76
87.44 – 100.04
+9.2% YoY
104.46
93.67 – 110.79
+12.6% YoY
120.50
115.68 – 125.33
+15.4% YoY
113.40
105.33 – 120.95
-5.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-12 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-06-11 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-06-10 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-06-09 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-06-08 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-06-05 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-06-04 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-06-03 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-06-02 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-06-01 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-05-29 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-05-27 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-05-26 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-05-25 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-05-22 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-05-21 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-05-20 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-05-19 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-05-18 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-05-15 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-05-14 B+ 3/5 3/5 4/5 4/5 1/5 3/5 3/5
2026-05-13 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-05-12 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-05-11 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-05-08 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-05-07 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-05-06 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-05-05 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-05-04 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-04-30 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-04-29 A- 4/5 3/5 4/5 5/5 1/5 4/5 3/5
2026-04-28 A- 4/5 3/5 4/5 5/5 1/5 4/5 3/5
2026-04-27 A- 4/5 3/5 4/5 5/5 1/5 4/5 3/5
2026-04-24 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-04-23 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-04-22 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5
2026-04-21 A- 4/5 4/5 4/5 5/5 1/5 3/5 3/5
2026-04-20 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-17 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-16 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-15 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
173.45M
OE per share TTM
0.67
Owner's Yield
0.07%
Maintenance CapEx ratio
1.18%
Maint CapEx / Avg PPE
2.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
14.83M
Shares Outstanding
260.59M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Vinay Gupta Chief Financial Officer 16M male
Veena G. Kamath Company Secretary 7M female
Bhavya Taneja Chief Marketing Officer — male
Chaitanya Yadav National Head of Corporate Planning & Investor Relations — —
Jatul Anand Chief Credit & Collections Officer — male
Ajai Kumar Shukla CEO & MD — male
Satish Kumar Singh Chief People Officer — male
Valli Sekar Chief Sales & Collection Officer - Affordable — female
Neeraj Manchanda Chief Risk Officer — male
Anubhav Rajput Chief Information Officer — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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