PNB Housing Finance Limited (IN:PNBHOUSING)
:PNBHOUSING
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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 - ₹1,135.00
Previous CloseN/A
Volume658.32K
Average Volume (3M)28.57K
Market Cap
₹257.93B
Enterprise Value₹766.58B
Total Cash (Recent Filing)₹30.02B
Total Debt (Recent Filing)₹469.13B
Price to Earnings (P/E)11.3
Beta1.24
Next Earnings
Jul 23, 2026EPS Estimate
20.27Next Dividend Ex-DateN/A
Dividend Yield0.53%
Share Statistics
EPS (TTM)82.64
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)92.8
Revenue Forecast (FY)₹41.04B
Bulls Say, Bears Say
Bulls Say
Profitability ImprovementMaterial margin expansion and a roughly threefold rise in net profit indicate structurally stronger earnings power. Sustained higher margins increase internal capital generation, improve ability to absorb credit shocks, and support reinvestment or faster deleveraging over the next several quarters.
Improving LeverageA sizable reduction in debt-to-equity versus prior peaks meaningfully lowers balance-sheet stress. Improved leverage enhances funding flexibility, reduces refinancing vulnerability, and gives management more room to allocate capital to growth or buffer provisions across multiple economic cycles.
Recovered Cash GenerationReturn to positive operating and free cash flow with near one-to-one conversion to net income suggests cash fundamentals are recovering. Consistent cash conversion supports sustainable debt servicing, reduces reliance on volatile external funding, and enables steady capital allocation over the medium term.
Bears Say
High Absolute LeverageDespite improvement, the absolute debt load remains large for an HFC, leaving the company exposed to interest-rate rises and market funding shocks. High nominal leverage raises refinancing and liquidity risk and can constrain strategic flexibility if credit conditions tighten.
Multi-year Cash Flow VolatilityWide swings in operating and free cash flow over several years reduce predictability of internal funding for growth, dividends, or provisioning. This cyclicality increases reliance on external markets during downturns and makes capital planning and risk provisioning harder to rely on.
Slowing Revenue GrowthA decelerating top-line trend suggests limited runway for revenue-driven earnings expansion. If growth remains modest, the company must sustain margins or increase non-interest income to drive profits; otherwise, earnings may stagnate once margin tailwinds normalize.
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 ₹1135.00 in the past 12 months.
What is PNB Housing Finance Limited’s market cap?
PNB Housing Finance Limited’s market cap is ₹257.93B.
When is PNB Housing Finance Limited’s upcoming earnings report date?
PNB Housing Finance Limited’s upcoming earnings report date is Jul 23, 2026 which is in 39 days.
How were PNB Housing Finance Limited’s earnings last quarter?
PNB Housing Finance Limited released its earnings results on Apr 20, 2026. The company reported ₹25.11 earnings per share for the quarter, beating the consensus estimate of ₹21.27 by ₹3.84.
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 20.27.
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 ₹25.11 in its last earnings report, beating expectations of ₹21.27. Following the earnings report the stock price went down -2.012%.
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
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