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On 6 Nov 2026, PNB Housing Finance was priced at ₹1,100.20, or 12.2× trailing earnings, and the shares are 10% below their 52-week high. Net profit grew 30% a year over 3 years; its ROE of 12% is the second-lowest among the 7 largest Mortgage Finance peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 1.42× book value and its dividend yield is 0.7%. It is a small-cap company with a market cap of ₹28,694 Cr, ranked 3rd of 21 Mortgage Finance companies by market cap; the shares rose 18% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹1,090.00
Day high
₹1,102.00
Day low
₹1,076.60
Prev. close
₹1,100.00
Volume
3.7 L

Health check

5 good · 1 fair
  • ReturnsAhead

    +18.1% over a year, better than 7 of 7 peers.

  • Price tagCheaper

    P/B 1.42 vs peer median 1.67.

  • GrowthStrong

    Profit +29.9% a year over 3 years.

  • ProfitabilityAverage

    ROE 12.3% vs peer median 14.3%.

  • Balance sheetSolid

    Return on assets 2.51%. Bad-loan data isn’t covered.

  • Red flagsNone found

    No warning signs in the headline numbers.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Mortgage Finance

20 listed peers. Screen the industry

Small cap

₹28,694 Cr, #3 of 21 in its industry by size.

Defensive

Beta 0.36 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹3,853 Cr · profit ₹2,350 Cr
Market cap
₹28,694 Cr
Small cap
P/E
12.2
Industry 12.2
Price to book
1.42
Peers 1.67
Dividend yield
0.73%
ROE
12.3%
Peers 14.3%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹89.96
Face value ₹10
OPM (TTM)
75.4%
Net margin 61.0%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+5.8%
Latest quarter vs a year ago
Price to sales
7.45

Strengths and risks

Strengths and risks

Nothing stands out either way in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About PNB Housing Finance

PNB Housing Finance Limited operates as a housing finance company in India. It offers loans to individuals and corporate bodies for purchase, construction, repair, and upgradation of houses; loans for commercial space, and loans against property, as well as for purchase of residential plots; and home loans, property-related services, and fixed deposits. The company was incorporated in 1988 and is based in Gurugram, India.

Headquarters
Gurugram
Employees
2,355
Sector
Financial Services
ISIN
INE572E01012
Website
pnbhousing.com

Price range

52 weeks

₹729.60₹1,224.80

Today

₹1,076.60₹1,102.00
Avg volume (3M)
9.2 L
1-year return
plus 18.1%
From 52-week high
minus 10.2%

Analyst consensus

13 analysts
Strong buyMean target ₹1,331.54 plus 21.0%

Target range, with today’s price

Low ₹960.00High ₹1,515.00

Consensus from Yahoo Finance. Not a recommendation.

Peers · Mortgage Finance

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJAJHFLBajaj Housing Finance80.00minus 3.80%66,63223.72.7712.4%2.2%26.7%0.00%minus 24.1%
LICHSGFINLIC Housing Finance536.00plus 1.32%29,4835.00.6714.3%1.8%24.7%1.89%minus 7.8%
PNBHOUSINGPNB Housing Finance1,100.20plus 0.02%28,69412.21.4212.3%2.5%29.9%0.73%plus 18.1%
AADHARHFCAadhar Housing Finance429.65minus 1.96%18,83616.12.4815.8%–26.2%0.00%minus 13.9%
SAMMAANCAPSammaan Capital132.27minus 1.12%16,343–0.57−35.0%––0.00%minus 28.2%
HOMEFIRSTHome First Finance Company India1,090.90minus 1.13%11,40818.52.4414.3%4.0%33.3%0.47%minus 7.7%
CANFINHOMECan Fin Homes748.95plus 0.72%9,9738.61.5519.4%2.6%20.5%2.15%minus 13.7%
AAVASAavas Financiers1,137.70plus 0.31%9,02112.91.6714.0%3.4%15.1%0.00%minus 30.9%
Median of 7 peers–−1.12%16,34314.51.6714.3%2.6%25.5%0.00%−13.9%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
8448649229231,005
1,2341,2531,2461,3391,415
14.716.219.216.416.8
688668855718797
22.4%22.2%23.3%22.4%22.6%
534520656557617
20.4519.9325.1121.3323.59

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+29.9%
EPS CAGR 3Y
+18.2%
ROE
12.3%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
2,5412,7842,9623,617
–+9.5%+6.4%+22.1%
3,8884,2514,5405,000
51.451.255.966.5
−47.8−0.3−0.3−0.6
1,3611,9542,4862,971
23.1%22.8%22.1%22.9%
1,0461,5081,9362,291
–+44.2%+28.4%+18.3%
53.1658.2074.2587.80

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
169260260261
10,84514,71516,60318,959
36,48237,39144,81453,314
19,37820,03920,84320,979
66,87472,40582,52093,512
132195219243
0.15.44.71.4
3,8544,4783,3783,047
3,7882,6073,6213,345
59,09965,11975,29786,875
66,87472,40582,52093,512

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−1,865−4,662−8,057−8,984
176−1,186757684
3014,1797,4048,720
−1,388−1,669104421
−14.9−39.3−49.1−33.1
−1,880−4,701−8,106−9,017
–––−130

Shareholding pattern

Source: NSE filings
28.0%
promoters
  • Promoters28.01%
  • Public71.99%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202628.01%71.99%minus 0.02
30 Jun 202628.03%71.97%minus 0.01
31 Mar 202628.04%71.96%0.00
31 Dec 202528.04%71.96%0.00
30 Sep 202528.04%71.96%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you