PNB Housing Finance Limited (IN:PNBHOUSING)
:PNBHOUSING
PNBHOUSING Stock Chart & Stats
₹869.95
-₹11.70(-1.32%)
At close: 4:00 PM EST
₹869.95
-₹11.70(-1.32%)
Day’s Range― - ―
52-Week Range₹730.00 - ₹1,141.85
Previous CloseN/A
Volume658.32K
Average Volume (3M)28.57K
Market Cap
₹225.27B
Enterprise Value₹664.42B
Total Cash (Recent Filing)₹30.02B
Total Debt (Recent Filing)₹469.13B
Price to Earnings (P/E)11.9
Beta1.38
Next Earnings
Apr 20, 2026EPS Estimate
21.27Next Dividend Ex-DateN/A
Dividend Yield0.53%
Share Statistics
EPS (TTM)19.97
Shares Outstanding260,549,600
10 Day Avg. Volume35,262
30 Day Avg. Volume28,566
Financial Highlights & Ratios
PEG Ratio0.42
Price to Book (P/B)1.34
Price to Sales (P/S)3.02
P/FCF Ratio-2.80
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)87.43
Revenue Forecast (FY)₹40.92B
Bulls Say, Bears Say
Bulls Say
Consistent Revenue GrowthPNB Housing has reported double-digit revenue growth, reflecting persistent expansion of its loan book and core interest income. Over 2-6 months this indicates durable demand for mortgages and scale benefits in origination and servicing that underpin future net interest income.
Healthy Operating MarginsReported healthy gross and EBIT margins point to operational efficiency in lending and cost control. Sustained margins provide a buffer against higher provisions or funding costs, supporting long-term profitability and the ability to reinvest in distribution and credit underwriting capabilities.
Secured, Mortgage-focused Business ModelA focus on secured home loans and loan-against-property gives collateral support and typically lower loss severity versus unsecured lending. Structural housing demand in India and collateralized lending improve recoverability and support stable credit spreads across economic cycles.
Bears Say
High Financial LeverageA relatively high debt-to-equity ratio signals heavy reliance on external funding. This increases sensitivity to rising interest rates and market liquidity stress, limits strategic flexibility, and raises refinancing risk that can pressure net interest margins and capital allocation over the medium term.
Negative Free Cash FlowPersistent negative free cash flow indicates the company is funding operations and growth with borrowings or other sources rather than internal cash. Over months this constrains deleveraging, increases reliance on external funding, and heightens vulnerability to funding-cost increases.
Weak Cash ConversionNegative operating cash flow relative to net income suggests earnings do not convert to cash efficiently, raising questions about earnings quality. This structural weakness reduces liquidity buffers, hampers ability to absorb higher credit costs, and pressures long-term balance sheet resilience.
PNB Housing Finance Limited News
PNBHOUSING FAQ
What was PNB Housing Finance Limited’s price range in the past 12 months?
PNB Housing Finance Limited lowest stock price was ₹730.00 and its highest was ₹1141.85 in the past 12 months.
What is PNB Housing Finance Limited’s market cap?
PNB Housing Finance Limited’s market cap is ₹225.27B.
When is PNB Housing Finance Limited’s upcoming earnings report date?
PNB Housing Finance Limited’s upcoming earnings report date is Apr 20, 2026 which is in 8 days.
How were PNB Housing Finance Limited’s earnings last quarter?
PNB Housing Finance Limited released its earnings results on Jan 21, 2026. The company reported ₹19.97 earnings per share for the quarter, missing the consensus estimate of ₹21.36 by -₹1.39.
Is PNB Housing Finance Limited overvalued?
According to Wall Street analysts PNB Housing Finance Limited’s price is currently Overvalued.
Does PNB Housing Finance Limited pay dividends?
PNB Housing Finance Limited pays a Annually dividend of ₹5 which represents an annual dividend yield of 0.53%. See more information on PNB Housing Finance Limited dividends here
What is PNB Housing Finance Limited’s EPS estimate?
PNB Housing Finance Limited’s EPS estimate is 21.27.
How many shares outstanding does PNB Housing Finance Limited have?
PNB Housing Finance Limited has 260,549,600 shares outstanding.
What happened to PNB Housing Finance Limited’s price movement after its last earnings report?
PNB Housing Finance Limited reported an EPS of ₹19.97 in its last earnings report, missing expectations of ₹21.36. Following the earnings report the stock price went down -1.963%.
Which hedge fund is a major shareholder of PNB Housing Finance Limited?
Currently, no hedge funds are holding shares in IN:PNBHOUSING
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
PNB Housing Finance Limited
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; residential plot loans and loans for NRIs; loan against property, lease rental discounting, and loans for real estate developers; and fixed deposit products. The company also provides Unnati home loans; and credit linked subsidy scheme for economical weaker section, and lower and middle income groups. As of March 31, 2022, it operated through a network of 99 branches. The company was incorporated in 1988 and is based in New Delhi, India.
Technical Analysis
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