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PNB Housing Finance LtdHousing Finance CompanyINE572E01012Consolidated₹1082.00+19.00 (+1.79%)

Valuation

Market Cap₹28.19K Cr

TTM PE12.00x

Forward PE11.56x

PEG8.16

Book Value₹777.29

P/B1.39x

TTM EPS₹90.18

Fwd EPS₹93.61

TTM Revenue₹8.99K Cr

TTM PAT₹2.35K Cr

Last Qtr PAT₹616.55 Cr

Profitability

ROE11.61%

ROCE10.10%

TTM NPM26.15%

Curr OPM25.44%

Last OPM24.60%

Curr NPM—

Last NPM—

Curr EPS₹23.65

Last EPS₹21.39

Balance sheet

Equity₹260.80 Cr

Reserve₹19.99K Cr

Total Debt₹61,853.13 Cr

D/E3.05x

Interest %229.45%

Curr Interest₹1,414.66 Cr

Price / range

Close₹1082.00

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D+1.79%

1W-3.57%

1M-0.92%

3M+0.19%

6M+3.82%

1Y+16.16%

2Y+13.75%

3Y+48.17%

5Y+120.95%

Diwali+9.59%

Sector peers — Housing Finance Company

Company	Close	Mkt Cap	TTM P/E	ROE
BAJAJHFL	81.42	₹67.84K Cr	31.68	11.68%
LICHSGFIN	520.00	₹28.60K Cr	4.85	13.44%
PNBHOUSING	1082.00	₹28.19K Cr	12.00	11.61%
AADHARHFC	431.20	₹18.86K Cr	16.41	15.13%
SAMMAANCAP	125.98	₹14.67K Cr	-1.41	-38.10%
HOMEFIRST	1082.30	₹11.31K Cr	18.20	13.28%
APTUS	206.28	₹10.33K Cr	10.07	20.27%
CANFINHOME	725.60	₹9.66K Cr	7.83	19.23%

Financial Results

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

Metric	Sep-26	Jun-26	Mar-26	Dec-25	Sep-25	FY25-26
Revenue	2,459.69+13.5%	2,252.50	2,169.86	2,109.57	2,167.91	8,511.22
Other Income	1.25	2.87	-9.45	2.18	3.61	3.07
Total Income	2,460.94+13.3%	2,255.37	2,160.41	2,111.75	2,171.52	8,514.29
Interest	1,414.98	1,339.03	1,246.37	1,253.13	1,267.34	5,001.53
Expenditure	-1,620.23-18.5%	-1,540.78	-1,314.69	-1,443	-1,367.72	-5,510.49
PBDT	0	0	0	0	0	0
Depreciation	-16.70	-16.27	-19.10	-16.11	-16.31	-66.17
PBT	840.71+4.6%	714.59	845.72	668.75	803.80	3,003.80
Tax	-179.27	-160.09	-197.02	-147.79	-177.31	-675.92
Equity	260.80	260.59	260.55	260.51	260.51	260.55
OPM	34.16	31.68	39.15	31.67	37.02	35.28
Net Profit	661.44+5.6%	554.50	648.70	520.96	626.49	2,327.88
NPM	26.88	24.59	30.03	24.67	28.85	27.34
EPS	25.37+5.4%	21.28	24.90	20	24.06	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	Sep-26	Jun-26	Mar-26	Dec-25	Sep-25	FY25-26
Revenue	2,423.15+13.9%	2,263.44	2,181.53	2,119.02	2,127.86	8,504.52
Other Income	0.80	1.92	-9.62	1.64	2.74	0.52
Total Income	2,423.95+13.8%	2,265.36	2,171.91	2,120.66	2,130.60	8,505.04
Interest	1,414.66	1,338.63	1,246.08	1,252.82	1,266.97	5,000.24
Expenditure	-1,627.34-18.7%	-1,546.92	-1,317.30	-1,452.22	-1,370.96	-5,534.43
PBDT	0	0	0	0	0	0
Depreciation	-16.78	-16.36	-19.18	-16.20	-16.40	-66.48
PBT	796.61+4.9%	718.44	854.61	668.44	759.64	2,970.61
Tax	-180.06	-161.10	-198.81	-148.09	-178.05	-679.37
Equity	260.80	260.59	260.55	260.51	260.51	260.55
OPM	32.86	31.71	39.35	31.52	35.65	34.93
Net Profit	616.55+6.0%	557.34	655.80	520.35	581.59	2,291.24
NPM	25.44	24.60	30.19	24.54	27.30	26.94
EPS	23.65+5.9%	21.39	25.17	19.97	22.34	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