PNB Housing Finance Ltd
PNB Housing Finance Ltd (PNBHOUSING) last reported results for the quarter ended Jun 2026, with sales of ₹2,263 crore and net profit of ₹557 crore. The stock last traded at ₹1,096, a market capitalisation of ₹28,584 crore, on a P/E of 12.4. Over the past 52 weeks the stock has ranged between ₹730 and ₹1,212. Figures are as of 6 Oct 2026 and are not real time.
PNB Housing Finance Ltd share price and key metrics
- Current price
- ₹1,096
- Market cap
- ₹28,584 cr
- Stock P/E
- 12.4
- Book value
- ₹738
- ROE
- 12.7%
- ROCE
- 9.40%
- Dividend yield
- 0.72%
- 52w high / low
- 1212/730
Metrics as of 6 Oct 2026. Not real time.
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PNB Housing Finance Ltd growth and returns
- 10 Years
- %
- 5 Years
- 2%
- 3 Years
- 9%
- TTM
- 10%
- 10 Years
- %
- 5 Years
- 20%
- 3 Years
- 30%
- TTM
- 14%
- 10 Years
- %
- 5 Years
- 16%
- 3 Years
- 15%
- 1 Year
- 24%
- 10 Years
- %
- 5 Years
- 11%
- 3 Years
- 12%
- Last Year
- 13%
PNB Housing Finance Ltd quarterly results
In the quarter ended Jun 2026, sales were ₹2,263 cr, up 9.0% from ₹2,076 cr a year earlier. Net profit was ₹557 cr, up 4.3% year on year.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 1,879 | 1,942 | 2,022 | 2,076 | 2,128 | 2,119 | 2,182 | 2,263 |
| Expenses | 143 | 155 | 133 | 145 | 88 | 183 | 52 | 192 |
| Operating profit | 618 | 629 | 711 | 697 | 773 | 683 | 883 | 733 |
| OPM % | 33% | 32% | 35% | 34% | 36% | 32% | 40% | 32% |
| Other income | 1 | 1 | 15 | 6 | 3 | 2 | -10 | 2 |
| Interest | 1,118 | 1,158 | 1,178 | 1,234 | 1,267 | 1,253 | 1,246 | 1,339 |
| Depreciation | 14 | 14 | 14 | 15 | 16 | 16 | 19 | 16 |
| Profit before tax | 605 | 616 | 711 | 688 | 760 | 668 | 855 | 718 |
| Tax % | 22% | 22% | 23% | 22% | 23% | 22% | 23% | 22% |
| Net profit | 470 | 483 | 550 | 534 | 582 | 520 | 656 | 557 |
| EPS (₹) | 18.08 | 18.60 | 21.17 | 20.51 | 22.33 | 19.97 | 25.17 | 21.39 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
PNB Housing Finance Ltd annual results
| ₹ crore | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 5,489 | 7,679 | 8,482 | 7,604 | 6,196 | 6,527 | 7,053 | 7,685 | 8,494 | 8,692 |
| Operating profit | 1,258 | 1,762 | 870 | 1,250 | 1,133 | 1,410 | 2,001 | 2,535 | 3,027 | 3,073 |
| OPM % | 23% | 23% | 10% | 16% | 18% | 22% | 28% | 33% | 36% | 35% |
| Net profit | 841 | 1,192 | 646 | 930 | 836 | 1,046 | 1,508 | 1,936 | 2,291 | 2,315 |
| EPS (₹) | 32.86 | 46.29 | 25.00 | 35.96 | 32.28 | 40.31 | 58.06 | 74.49 | 87.94 | 88.86 |
TTM is the trailing twelve months to the most recent quarter.
PNB Housing Finance Ltd balance sheet
| ₹ crore | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 167 | 167 | 168 | 168 | 169 | 169 | 260 | 260 | 261 |
| Reserves | 6,401 | 7,376 | 7,830 | 8,755 | 9,703 | 10,845 | 14,715 | 16,603 | 18,959 |
| Borrowings | 53,777 | 71,859 | 67,735 | 59,392 | 52,961 | 53,621 | 55,017 | 62,310 | 71,199 |
| Other liabilities | 2,670 | 4,466 | 3,197 | 3,077 | 2,897 | 2,238 | 2,414 | 3,348 | 3,094 |
| Total liabilities | 63,014 | 83,869 | 78,930 | 71,392 | 65,730 | 66,874 | 72,405 | 82,520 | 93,512 |
| Fixed assets | 76 | 103 | 251 | 181 | 150 | 146 | 207 | 239 | 274 |
| CWIP | 10 | 5 | 4 | 2 | 4 | 3 | 15 | 16 | 6 |
| Investments | 2,413 | 4,561 | 2,076 | 2,045 | 3,483 | 3,196 | 4,346 | 3,381 | 2,779 |
| Other assets | 60,516 | 79,200 | 76,599 | 69,164 | 62,093 | 63,528 | 67,837 | 78,884 | 90,453 |
| Total assets | 63,014 | 83,869 | 78,930 | 71,392 | 65,730 | 66,874 | 72,405 | 82,520 | 93,512 |
As reported by the company. Total assets equal total liabilities by construction.
PNB Housing Finance Ltd cash flow
| ₹ crore | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from operations | -15,664 | -16,617 | 8,928 | 6,792 | 6,254 | -1,865 | -4,662 | -8,057 | -8,984 |
| Cash from investing | -50 | -54 | -63 | -6 | -1,475 | 176 | -1,186 | 757 | 684 |
| Cash from financing | 18,464 | 17,888 | -4,386 | -8,332 | -6,732 | 301 | 4,179 | 7,404 | 8,720 |
| Net cash flow | 2,751 | 1,217 | 4,480 | -1,546 | -1,953 | -1,388 | -1,669 | 104 | 421 |
| Free cash flow | -15,713 | -16,671 | 8,866 | 6,786 | 6,239 | -1,880 | -4,701 | -8,106 | -9,016 |
| CFO / operating profit | -317% | -232% | 137% | 112% | 127% | -29% | -69% | -108% | -105% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
PNB Housing Finance Ltd operating ratios
| Per year | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 13% | 17% | 8% | 11% | 9% | 10% | 12% | 12% | 13% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
PNB Housing Finance Ltd shareholding pattern
Promoters held 28.03% at Jun 2026, broadly unchanged since Jun 2025. FIIs 16.81% and DIIs 45.71%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 28.11% | 28.11% | 28.10% | 28.08% | 28.04% | 28.04% | 28.04% | 28.03% |
| FIIs | 20.42% | 24.34% | 21.45% | 24.18% | 18.61% | 17.22% | 16.60% | 16.81% |
| DIIs | 22.17% | 26.85% | 29.88% | 37.99% | 40.68% | 43.02% | 44.07% | 45.71% |
| Government | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.02% | 0.02% | 0.02% |
| Public | 29.29% | 20.69% | 20.57% | 9.74% | 12.65% | 11.69% | 11.28% | 9.42% |
| No. of shareholders | 1,58,799 | 1,83,482 | 1,82,070 | 1,87,526 | 2,24,183 | 1,99,930 | 1,92,512 | 1,71,742 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
Cruxal coverage of PNB Housing Finance Ltd
PNB Housing Finance Ltd corporate filings
- PNB Housing Finance Receives Credit Rating Upgrade to ‘AAA’ from CRISIL and All Major Agencies, Signaling Stronger Financial ResilienceCompany Updatehigh impact
Cruxal's analysis: PNB Housing Finance has achieved a significant milestone with a credit rating upgrade to…
Read the full analysis - Crisil Upgrades PNB Housing's Long-term Credit Rating to 'AAA/Stable' Reflecting Strong Support and CapitalizationCompany Updatehigh impact
Cruxal's analysis: PNB Housing Finance Limited has received a significant credit rating upgrade from Crisil…
Read the full analysis - PNB Housing Finance has informed the Exchange regarding Trading Window ClosureInsider Trading / SASTlow impact
- PNB Housing Finance Limited Receives [ICRA]AAA (Stable) Rating for New 2,000 Crore NCD ProgrammeCompany Updatemedium impact
Cruxal's analysis: PNB Housing Finance Limited has been assigned a credit rating of [ICRA]AAA (Stable) for…
Read the full analysis - PNB Housing Finance Ltd: Outcome of Analyst/Institutional Investor MeetingCompany Updatelow impact
Cruxal's analysis: PNB Housing Finance Ltd has concluded its scheduled meeting with analysts and…
Read the full analysis - PNB Housing Finance Limited announces departure of IT Department HeadCompany Updatelow impact
Cruxal's analysis: PNB Housing Finance Limited has formally announced that Mr. Anubhav Rajput, the Function…
Read the full analysis - PNB Housing Finance Ltd reports outcome of analyst and institutional investor meetingCompany Updatelow impact
Cruxal's analysis: PNB Housing Finance Ltd has concluded a meeting with analysts and institutional investors…
Read the full analysis - PNB Housing Finance announces change in role for Senior Management PersonnelCompany Updatelow impact
Cruxal's analysis: PNB Housing Finance has issued an intimation regarding a change in the role of a Senior…
Read the full analysis - PNB Housing Finance schedules analyst and institutional investor meetingCompany Updatelow impact
Cruxal's analysis: PNB Housing Finance Ltd has issued a prior intimation regarding a scheduled meeting with…
Read the full analysis - PNB Housing Finance allots 50,000 Non-Convertible Debentures (NCDs)Company Updatelow impact
Cruxal's analysis: PNB Housing Finance has announced the allotment of 50,000 Non-Convertible Debentures…
Read the full analysis - PNB Housing Finance schedules analyst and institutional investor meetingCompany Updatelow impact
Cruxal's analysis: PNB Housing Finance Ltd has issued a prior intimation regarding a scheduled meeting with…
Read the full analysis - PNB Housing Finance Board Approves INR 6,000 Crore NCD Issuance for Resource MobilizationCompany Updatemedium impact
Cruxal's analysis: PNB Housing Finance Limited has received board approval to raise up to INR 6,000 crore…
Read the full analysis - PNB Housing Finance Board Approves INR 10,000 Crore NCD Issuance for Resource MobilizationBoard Meetinglow impact
Cruxal's analysis: PNB Housing Finance Limited has received board approval to raise up to INR 10,000 crore…
Read the full analysis - PNB Housing Finance Ltd reports outcome of analyst/institutional investor meetingCompany Updatelow impact
Cruxal's analysis: PNB Housing Finance Ltd has concluded its scheduled analyst and institutional investor…
Read the full analysis - PNB Housing Finance Ltd announces receipt of ESG ratingCompany Updatelow impact
Cruxal's analysis: PNB Housing Finance has provided an intimation regarding its ESG rating under Regulation…
Read the full analysis - PNB Housing Finance to consider fund raising via Non-Convertible Debentures on September 07, 2026Board Meetinglow impact
Cruxal's analysis: PNB Housing Finance Limited has announced a Board of Directors meeting scheduled for…
Read the full analysis - PNB Housing Finance schedules analyst and institutional investor meetingCompany Updatelow impact
Cruxal's analysis: PNB Housing Finance has issued a prior intimation regarding a scheduled meeting with…
Read the full analysis - PNB Housing Finance announces resignation of CIO Anubhav Rajput; appoints Santosh Kumar Singh as successorCompany Updatelow impact
Cruxal's analysis: PNB Housing Finance Limited has announced the resignation of its Chief Information…
Read the full analysis - PNB Housing Finance Ltd schedules analyst and institutional investor meetingCompany Updatelow impact
Cruxal's analysis: PNB Housing Finance has issued a formal intimation regarding a scheduled meeting with…
Read the full analysis - PNB Housing Finance receives credit rating upgrade to [ICRA]AAA (Stable) from [ICRA]AA+Company Updatehigh impact
Cruxal's analysis: PNB Housing Finance Limited has secured a credit rating upgrade to [ICRA]AAA (Stable) for…
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