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LIC Housing Finance vs PNB Housing Finance: share price, P/E, ROE and financials compared

Prices as of 6 Nov 2026. Figures are from company filings and exchange data. This is an educational comparison, not investment advice.

LIC Housing Finance

NSE: LICHSGFIN · Financial Services

₹536.00plus 1.32%

PNB Housing Finance

NSE: PNBHOUSING · Financial Services

₹1,100.20plus 0.02%

LIC Housing Finance and PNB Housing Finance at a glance

LIC Housing Finance and PNB Housing Finance are both listed in Financial Services. LIC Housing Finance is the larger by market cap, at ₹29,483 Cr against ₹28,694 Cr for PNB Housing Finance. On valuation, LIC Housing Finance has the lower P/E (5.0× against 12.2×) and the lower price-to-book (0.67× against 1.42×). On returns and margins, LIC Housing Finance has the higher ROE (14.3% against 12.3%). Over three years, PNB Housing Finance has faster 3-year profit growth (+29.9% against +24.7% a year). Both are lenders or insurers, so ROCE, operating margin and debt-to-equity aren’t compared: those ratios don’t fit financial balance sheets.

See the full interactive comparison

Key metrics, side by side

Key metrics of LIC Housing Finance and PNB Housing Finance
MetricLIC Housing FinanceLICHSGFINPNB Housing FinancePNBHOUSING
Price (₹)536.001,100.20
Market cap (₹ Cr)29,48328,694
P/E5.0× (the lower figure, shaded)12.2×
P/B0.67× (the lower figure, shaded)1.42×
Dividend yield, trailing1.87% (the higher figure, shaded)0.73%
ROE14.3% (the higher figure, shaded)12.3%
ROCEn/mn/m
Operating margin (OPM)n/mn/m
Net margin (NPM)65.8% (the higher figure, shaded)61.0%
Sales CAGR 3Yn/mn/m
Profit CAGR 3Y+24.7%+29.9% (the higher figure, shaded)
Debt to equityn/mn/m
Interest covern/mn/m
Net profit TTM (₹ Cr)5,8962,350
1Y return−7.8%+18.1% (the higher figure, shaded)
Promoter holding45.24%28.01%

Shaded: the company with the more favourable reading (lower P/E, debt or P/B; higher ROE, ROCE, margins, growth or yield) when the gap is meaningful. n/m means not meaningful, for example ROCE for a bank. Loss-making companies’ multiples are shown but not ranked.

LIC Housing Finance vs PNB Housing Finance: common questions

Which is bigger, LIC Housing Finance or PNB Housing Finance?

By market cap, LIC Housing Finance is bigger at ₹29,483 Cr, against ₹28,694 Cr for PNB Housing Finance (prices as of 6 Nov 2026). Net profit over the last twelve months was ₹5,896 Cr for LIC Housing Finance and ₹2,350 Cr for PNB Housing Finance.

Which has a lower P/E ratio, LIC Housing Finance or PNB Housing Finance?

LIC Housing Finance trades at a P/E of 5.0× and PNB Housing Finance at 12.2×. LIC Housing Finance has the lower P/E. P/E is the share price divided by earnings per share; it varies a lot between industries and with growth, so it says little on its own.

Which has a higher ROE, LIC Housing Finance or PNB Housing Finance?

LIC Housing Finance reports a return on equity of 14.3% and PNB Housing Finance 12.3%. LIC Housing Finance has the higher ROE. ROE is net profit as a share of shareholders’ equity.

Which is growing faster, LIC Housing Finance or PNB Housing Finance?

Over the last three years: profit grew +24.7% a year at LIC Housing Finance and +29.9% at PNB Housing Finance, so PNB Housing Finance grew profit faster. Past growth doesn’t predict future growth.

Go to the stock pages for LIC Housing Finance and PNB Housing Finance, or add up to four more companies in the interactive comparison.