PNB Housing Finance Limited

Financial Services IN PNBHOUSING

776.9INR
-14.4(1.82%)

Last update at 2026-03-11T09:37:00Z

Day Range

776.90806.40
LowHigh

52 Week Range

742.911136.11
LowHigh

Fundamentals

  • Previous Close 791.30
  • Market Cap255181.16M
  • Volume811209
  • P/E Ratio11.89
  • Dividend Yield0.50%
  • Revenue TTM36080.10M
  • Revenue Per Share TTM138.75
  • Gross Profit TTM 35714.30M
  • Diluted EPS TTM82.36

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Income before tax 24857.70M 19539.00M 13609.10M 10839.60M 12070.30M
Minority interest 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Net income 19361.40M 15080.10M 10460.00M 8364.80M 9299.00M
Selling general administrative 928.10M 646.40M 917.30M 905.10M 649.70M
Selling and marketing expenses 248.30M 242.30M 199.90M 184.40M 80.80M
Gross profit 29620.60M 27836.30M 26196.20M 21251.50M 25126.90M
Reconciled depreciation 558.90M 511.90M 514.40M 533.90M 590.10M
Ebit 24857.70M 19539.00M 13094.70M 10305.70M 11480.20M
Ebitda 25416.60M 20050.90M 13609.10M 10839.60M 12070.30M
Depreciation and amortization 558.90M 511.90M 514.40M 533.90M 590.10M
Non operating income net other - - - - -
Operating income 24857.70M 19539.00M 13094.70M 10305.70M 11480.20M
Other operating expenses 50164.80M 50803.30M -24070.80000M -10461.70000M -5546.50000M
Interest expense 45401.90M 42506.00M 38985.20M 40557.80M 50997.80M
Tax provision 5496.30M 4458.90M 3149.10M 2474.80M 2771.30M
Interest income 72737.30M 67422.10M 61990.70M 58220.00M 71898.30M
Net interest income 27223.30M 24810.90M 23005.50M 17575.40M 20900.50M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 5496.30M 4458.90M 3149.10M 2474.80M 2771.30M
Total revenue 75022.50M 70342.30M 26196.20M 21251.50M 25126.90M
Total operating expenses 4762.90M 8297.30M 5197.80M 4567.80M 4134.10M
Cost of revenue 45401.90M 42506.00M 115.20M 111.20M 116.10M
Total other income expense net -33390.50000M -29550.00000M 13609.10M 10839.60M 12070.30M
Discontinued operations - - - - -
Net income from continuing ops 19361.40M 15080.10M 10460.00M 8364.80M 9299.00M
Net income applicable to common shares 19361.40M 15080.10M 10460.00M 8364.80M 9299.00M
Preferred stock and other adjustments - - - - -
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Total assets 825203.60M 724048.50M 668737.00M 657296.10M 713922.00M
Intangible assets 356.70M 263.90M 170.90M 215.60M 232.60M
Earning assets - - - - -
Other current assets - 127.70M - 559184.50M 612201.60M
Total liab 656572.30M 574304.10M 558598.40M 558579.80M 624691.70M
Total stockholder equity 168631.30M 149744.40M 110138.60M 98716.30M 89230.30M
Deferred long term liab - - - - -
Other current liab 176415.50M -165377.10000M -302.50000M -543.60000M -3692.00000M
Common stock 2599.30M 2597.20M 1688.60M 1686.00M 1682.70M
Capital stock 2599.30M 2597.20M 1688.60M 1686.00M 1682.70M
Retained earnings 80058.30M 64527.80M 52504.10M 57054.90M 37125.50M
Other liab - - - 6003.50M 6679.30M
Good will - 3749.30M - - -
Other assets 827558.70M 667936.00M 630469.30M 605105.80M 642405.30M
Cash 36001.30M 21422.00M 37962.00M 52330.80M 69850.30M
Cash and equivalents 9650.00M 17801.50M 31176.10M 45523.10M 60339.20M
Total current liabilities 176590.90M 197.40M 302.50M 543.60M 3692.00M
Current deferred revenue - -372386.30000M - - -
Net debt 410679.30M 186489.20M 326109.40M 301931.30M 357478.70M
Short term debt 186154.30M 164932.50M 172642.30M 176489.80M 179507.60M
Short long term debt - - - - -
Short long term debt total 446680.60M 376870.90M 364071.40M 354262.10M 427329.00M
Other stockholder equity 64636.30M 64532.60M 55945.90M -58740.90000M 50422.10M
Property plant equipment 2191.40M 1951.30M 1318.60M 1318.50M 1598.50M
Total current assets 36501.00M 32182.30M 36778.20M 50656.20M 69685.60M
Long term investments 37274.70M 50508.20M 46109.70M 43988.60M 29514.00M
Net tangible assets - - - 98500.70M 88997.70M
Short term investments - 4640.50M -1183.80000M -1674.60000M -164.70000M
Net receivables 499.70M 5981.40M 128.70M 7177.30M 9590.80M
Long term debt 282019.90M 207911.20M 205989.40M 353559.90M 426464.00M
Inventory - - - - -
Accounts payable 175.40M 642.00M 302.50M 543.60M 3692.00M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 21337.40M 18086.80M - - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 37989.70M 687023.50M -1489.50000M -1534.10000M -1831.10000M
Deferred long term asset charges - - - - -
Non current assets total 788702.60M 691866.20M 1489.50M 1534.10M 1831.10M
Capital lease obligations - - - - -
Long term debt total 283211.00M 208980.90M 205989.40M 353559.90M 270548.30M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Investments 7571.00M -11860.80000M 1757.80M -14599.90000M -56.60000M
Change to liabilities - - - -15.30000M 249.60M
Total cashflows from investing activities 7571.00M -11860.80000M 1757.80M -14749.90000M -56.60000M
Net borrowings 75963.10M 11984.30M - -75965.70000M -89652.20000M
Total cash from financing activities 74038.60M 41786.30M 3014.70M -66840.30000M -83318.00000M
Change to operating activities - - - 46842.20M 51189.70M
Net income 19361.40M 15080.10M 13609.10M 10839.60M 12070.30M
Change in cash 1036.30M -16689.60000M -13877.80000M -19029.40000M -15457.60000M
Begin period cash flow 19588.70M 36278.30M 50156.10M 69685.60M 85143.20M
End period cash flow 20625.00M 19588.70M 36278.30M 50656.20M 69685.60M
Total cash from operating activities -80573.30000M -46615.10000M -18650.30000M 62560.80M 67917.00M
Issuance of capital stock 69.70M 24684.40M 72.10M 111.50M 27.40M
Depreciation 558.90M 511.80M 514.40M 533.90M 590.10M
Other cashflows from investing activities 8061.50M -11467.90000M 1906.30M -11.60000M 16.90M
Dividends paid - - - - 0.00000M
Change to inventory - - - - -
Change to account receivables 12.70M -387.50000M - - -
Sale purchase of stock 69.70M 24684.40M 72.10M 111.50M 0.80M
Other cashflows from financing activities -1994.20000M 5117.60M 175411.00M 210229.90M 224401.20M
Change to netincome - - - 6835.20M 6588.60M
Capital expenditures 490.50M 392.90M 148.50M 151.30M 77.20M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -106540.50000M 35.70M -35593.10000M 46826.90M 51439.30M
Stock based compensation 176.80M 144.60M 119.50M 36.70M 133.00M
Other non cash items 5870.10M -62387.30000M 38100.90M 43823.90M -2351.40000M
Free cash flow -81063.80000M -47008.00000M -18798.80000M 62409.50M 67839.80M

Peer Comparison

Sector: Financial Services Industry: Mortgage Finance

Company Change (INR) Price (INR) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
PNBHOUSING
PNB Housing Finance Limited
-14.4 1.82% 776.90 11.89 9.61 7.07 1.46 22.99
BAJAJHFL
Bajaj Housing Finance
-0.94 1.11% 83.66 33.88 - 21.82 3.77 17.45 54.76
LICHSGFIN
LIC Housing Finance Limited
-7.55 1.47% 504.95 5.24 5.42 3.42 0.77 34.37
AADHARHFC
Aadhar Housing Finance Ltd
2.00 0.42% 482.10 21.74 19.84 10.31 3.12 12.01 15.16
APTUS
Aptus Value Housing Finance India Limited
-3.26 1.41% 228.76 16.62 - 10.15 3.11 15.27

Reports Covered

Stock Research & News

Profile

PNB Housing Finance Limited operates as a housing finance company in India. It provides loans to individuals and corporate bodies for purchase, construction, repair, and up-gradation of houses/flats/commercial properties, etc.; residential plot loans and loans for NRIs; loan against property, lease rental discounting, and loans for real estate developers; and home loans and fixed deposit products. The company was incorporated in 1988 and is based in Gurugram, India.

PNB Housing Finance Limited

RMZ Infinity Park, Gurugram, India, 122008

Key Executives

Name Title Year Born
Mr. Sanjay Y. Jain Head of Compliance & Company Sec. 1965
Mr. Girish Kousgi MD, CEO & Director 1971
Mr. Vinay Gupta Chief Financial Officer 1980
Mr. Anubhav Rajput Chief Technology Officer NA
Ms. Deepika Gupta Padhi Head of Investor Relations NA
Devesh Shukla VP of Law NA
Mr. Amit Singh Chief People Officer NA
D.K. Sonakya Sr. VP of Information Technology NA
O. R. Madan Sr. VP of GAD NA
A. K. Gandhi Sr. VP of Insp NA

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