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PNB Housing Finance LtdHousing Finance CompanyINE572E01012Consolidated₹1133.10+29.60 (+2.68%)Jun-26

Valuation

Market Cap₹29.53K Cr

TTM PE12.75x

Forward PE12.77x

PEG12.88

Book Value₹737.52

P/B1.54x

TTM EPS₹88.87

Fwd EPS₹88.71

TTM Revenue₹8.69K Cr

TTM PAT₹2.32K Cr

Last Qtr PAT₹557.34 Cr

Profitability

ROE12.05%

ROCE11.25%

TTM NPM26.64%

Curr OPM24.60%

Last OPM30.19%

Curr NPM—

Last NPM—

Curr EPS₹21.39

Last EPS₹25.17

Balance sheet

Equity₹260.55 Cr

Reserve₹18.96K Cr

Total Debt₹52,813.55 Cr

D/E2.75x

Interest %240.18%

Curr Interest₹1,338.63 Cr

Price / range

Close₹1133.10

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D+2.68%

1W-3.88%

1M-1.11%

3M+12.87%

6M+40.56%

1Y+31.68%

2Y+5.31%

3Y+64.50%

5Y+71.51%

Diwali+14.77%

Sector peers — Housing Finance Company

Company	Close	Mkt Cap	TTM P/E	ROE
BAJAJHFL	85.58	₹71.31K Cr	35.22	11.95%
LICHSGFIN	548.15	₹30.15K Cr	5.25	13.85%
PNBHOUSING	1133.10	₹29.53K Cr	12.75	12.05%
AADHARHFC	461.65	₹20.19K Cr	17.57	15.13%
SAMMAANCAP	143.92	₹16.76K Cr	-1.61	-38.10%
HOMEFIRST	1241.30	₹12.97K Cr	22.19	13.34%
APTUS	237.68	₹11.90K Cr	12.07	19.46%
CANFINHOME	778.50	₹10.37K Cr	8.47	83.52%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	2,252.50+9.1%	2,169.86	2,109.57	2,167.91	2,063.88	8,511.22
Other Income	2.87	-9.45	2.18	3.61	6.73	3.07
Total Income	2,255.37+8.9%	2,160.41	2,111.75	2,171.52	2,070.61	8,514.29
Interest	1,339.03	1,246.37	1,253.13	1,267.34	1,234.69	5,001.53
Expenditure	-1,540.78-11.2%	-1,314.69	-1,443	-1,367.72	-1,385.08	-5,510.49
PBDT	0	0	0	0	0	0
Depreciation	-16.27	-19.10	-16.11	-16.31	-14.65	-66.17
PBT	714.59+4.2%	845.72	668.75	803.80	685.53	3,003.80
Tax	-160.09	-197.02	-147.79	-177.31	-153.80	-675.92
Equity	260.59	260.55	260.51	260.51	260.13	260.55
OPM	31.68	39.15	31.67	37.02	33.11	35.28
Net Profit	554.50+4.3%	648.70	520.96	626.49	531.73	2,327.88
NPM	24.59	30.03	24.67	28.85	25.68	27.34
EPS	21.28+4.1%	24.90	20	24.06	20.45	89.41

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 17-18	FY 16-17
Revenue	8,511.22+11.5%	7,632.76	5,516.39+41.2%	3,907.85
Other Income	3.07	28.46	0.56	0
Total Income	8,514.29+11.1%	7,661.22	5,516.95+41.2%	3,907.85
Expenditure	-5,510.49-6.7%	-5,165.35	-4,213.76-47.0%	-2,866.45
Interest	-5,001.53	-4,552.55	-3,530.80	0
PBDT	0	0	1,303.19	804.01
Depreciation	-66.17	-55.75	-24.11	0
PBT	3,003.80+20.4%	2,495.87	1,279.08+59.1%	804.01
Tax	-675.92	-546.92	-448.43	-280.28
Equity	260.55	259.93	166.59	165.64
OPM (%)	35.28	32.58	23.62	20.57
Net Profit	2,327.88+19.4%	1,948.95	830.65+58.6%	523.73
NPM (%)	27.34	25.44	15.06	13.40
EPS (Rs)	89.41+19.2%	75.02	49.32	0
CEPS	89.20	74.74	51.31	31.62

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	2,263.44+9.0%	2,181.53	2,119.02	2,127.86	2,076.11	8,504.52
Other Income	1.92	-9.62	1.64	2.74	5.76	0.52
Total Income	2,265.36+8.8%	2,171.91	2,120.66	2,130.60	2,081.87	8,505.04
Interest	1,338.63	1,246.08	1,252.82	1,266.97	1,234.37	5,000.24
Expenditure	-1,546.92-11.0%	-1,317.30	-1,452.22	-1,370.96	-1,393.95	-5,534.43
PBDT	0	0	0	0	0	0
Depreciation	-16.36	-19.18	-16.20	-16.40	-14.70	-66.48
PBT	718.44+4.4%	854.61	668.44	759.64	687.92	2,970.61
Tax	-161.10	-198.81	-148.09	-178.05	-154.42	-679.37
Equity	260.59	260.55	260.51	260.51	260.13	260.55
OPM	31.71	39.35	31.52	35.65	33.04	34.93
Net Profit	557.34+4.5%	655.80	520.35	581.59	533.50	2,291.24
NPM	24.60	30.19	24.54	27.30	25.63	26.94
EPS	21.39+4.2%	25.17	19.97	22.34	20.52	88.01

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25
Revenue	8,504.52+10.9%	7,665.35
Other Income	0.52	26.28
Total Income	8,505.04+10.6%	7,691.63
Expenditure	-5,534.43-6.3%	-5,205.86
Interest	-5,000.24	-4,551.40
PBDT	0	0
Depreciation	-66.48	-55.89
PBT	2,970.61+19.5%	2,485.77
Tax	-679.37	-549.63
Equity	260.55	259.93
OPM (%)	34.93	32.32
Net Profit	2,291.24+18.3%	1,936.14
NPM (%)	26.94	25.17
EPS (Rs)	88.01+18.1%	74.52
CEPS	87.80	74.25

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

Year	Type	Amount	Ex-Date
2026	Final Dividend	8	31 Jul 2026
2025	Final Dividend	5	01 Aug 2025
2019	Final Dividend	9	19 Jul 2019
2018	Final Dividend	9	19 Jul 2018
2017	Final Dividend	6	25 Jul 2017

Bonus

No bonus history.

Split

No split history.

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split