Want to see IN:PNBHOUSING full AI Analyst Report?
PNBHOUSING Stock Chart & Stats
₹1057.95
₹20.50(1.94%)
At close: 4:00 PM EDT
₹1057.95
₹20.50(1.94%)
Day’s Range― - ―
52-Week Range₹730.00 - ₹1,132.00
Previous CloseN/A
Volume937.83K
Average Volume (3M)28.57K
Market Cap
₹274.52B
Enterprise Value₹703.08K
Total Cash (Recent Filing)₹33.39B
Total Debt (Recent Filing)₹531.43B
Price to Earnings (P/E)12.0
Beta1.22
Next Earnings
Oct 22, 2026EPS Estimate
21.47Next Dividend Ex-DateN/A
Dividend Yield0.76%
Share Statistics
EPS (TTM)88.00
Shares Outstanding260,589,940
10 Day Avg. Volume35,262
30 Day Avg. Volume28,566
Financial Highlights & Ratios
PEG Ratio0.47
Price to Book (P/B)1.02
Price to Sales (P/S)2.31
P/FCF Ratio9.88
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)90.58
Revenue Forecast (FY)₹40.21B
Bulls Say, Bears Say
Bulls Say
Margin And Profitability ExpansionSustained margin expansion and materially higher net profits signal structural improvement in pricing, underwriting and cost control. Stronger margins boost internal capital generation and resilience to funding shocks, supporting durable earnings and capacity to fund growth without reliance on volatile external equity.
Improving Leverage And ROE TrendA clear multi-year reduction in leverage and improving ROE reflect strengthening capital structure and more efficient use of equity. Lower leverage increases financial flexibility and reduces sensitivity to funding-cost shocks, improving the company's ability to access markets and sustain lending through cycles.
Durable Spread-based Lending With Fee DiversificationA core spread-based housing-lending model complemented by origination/servicing fees and securitisation provides multiple, recurring revenue streams. This structural mix supports NII stability, funding flexibility via loan sales, and diversified income that helps withstand cyclical pressure in any single channel.
Bears Say
High Absolute Leverage RemainsDespite improvement, the company's absolute leverage remains elevated for a mortgage lender, leaving limited loss-absorption capacity. High debt makes earnings and solvency sensitive to rising funding costs or loan stress, constraining strategic flexibility and increasing refinancing risk in adverse markets.
Volatile Cash-flow GenerationMulti-year swings in operating and free cash flow undermine predictability of internal funding for capex, debt service and dividends. Intermittent negative cash periods increase reliance on external funding and heighten refinancing risks, making liquidity planning and stress resilience weaker over economic cycles.
Slower Recent Revenue-growth TrajectoryA deceleration in top-line growth reduces the runway for margin-driven profit gains and may force greater reliance on higher-yielding, riskier loan segments to sustain returns. Slower growth can limit scale benefits and constrain long-term earnings momentum unless product mix or market share shifts materially.
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 ₹1132.00 in the past 12 months.
What is PNB Housing Finance Limited’s market cap?
PNB Housing Finance Limited’s market cap is ₹274.52B.
When is PNB Housing Finance Limited’s upcoming earnings report date?
PNB Housing Finance Limited’s upcoming earnings report date is Oct 22, 2026 which is in 78 days.
How were PNB Housing Finance Limited’s earnings last quarter?
PNB Housing Finance Limited released its earnings results on Aug 04, 2026. The company reported ₹21.09 earnings per share for the quarter, the consensus estimate of ₹21.09 by ₹0.
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 ₹8 which represents an annual dividend yield of 0.76%. 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 21.47.
How many shares outstanding does PNB Housing Finance Limited have?
PNB Housing Finance Limited has 260,589,940 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 ₹21.09 in its last earnings report, expectations of ₹21.09. Following the earnings report the stock price went down -3.248%.
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 an Indian financial institution dedicated to housing finance. The company extends a comprehensive suite of financial products, primarily loan facilities, to both individual clients and corporate entities. These offerings cater to diverse real estate requirements, such as the acquisition, development, renovation, or enhancement of residential units, apartments, and commercial properties. Its portfolio further encompasses financing for residential land parcels and specialized mortgage solutions for Non-Resident Indians (NRIs). Beyond core property loans, the company also provides credit against existing assets, lease rental discounting services, and funding for real estate developers. Additionally, it offers fixed deposit schemes. PNB Housing Finance is also notable for its specific "Unnati" home loans and its participation in the government's Credit Linked Subsidy Scheme, aimed at aiding economically weaker, lower, and middle-income segments in home ownership. As of March 31, 2022, the company operated through a network comprising 99 branches. Established in 1988, its operational base is in New Delhi, India.
Technical Analysis
Aadhar Housing Finance Ltd
―
Bajaj Housing Finance Ltd.
―
Can Fin Homes Ltd.
―
Home First Finance Company India Ltd.
―
LIC Housing Finance Ltd
―