PNB Housing Finance Limited (IN:PNBHOUSING)
:PNBHOUSING
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PNB Housing Finance Limited
(PNBHOUSING)
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Rating:69Neutral
Price Target:
₹859.00
▼(-1.26% Downside)
Action:ReiteratedDate:10/21/25
PNB Housing Finance Limited's overall stock score is driven by its strong financial performance, despite high leverage and negative cash flow trends. The technical indicators suggest neutral to positive momentum, while the valuation indicates potential undervaluation. The absence of earnings call and corporate events data means these factors do not influence the score.
Positive Factors
Consistent revenue growth
PNB 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.
Negative Factors
High financial leverage
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue growth
PNB 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.
Read all positive factors
PNB Housing Finance Limited (PNBHOUSING) vs. iShares MSCI India ETF (INDA)
Market Cap
₹225.27B
Dividend Yield0.53%
Average Volume (3M)28.57K
Price to Earnings (P/E)11.9
Beta (1Y)1.38
Revenue Growth12.51%
EPS Growth27.75%
CountryIN
Employees2,003
SectorReal Estate
Sector Strength53
IndustryFinancial - Mortgages
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
PNB Housing Finance Limited Business Overview & Revenue Model
Company Description
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 an...
How the Company Makes Money
PNB Housing Finance primarily makes money by earning interest and fees from lending activities, funded through a mix of borrowings and other funding sources typical for housing finance companies.
1) Net interest income (core earnings): The larges...
PNB Housing Finance Limited Financial Statement Overview
Summary
Income Statement
70
Positive
Balance Sheet
65
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 80.06B | 75.02B | 70.34B | 64.29B | 61.81B | 75.96B |
| Gross Profit | 31.63B | 29.62B | 27.84B | 25.41B | 21.25B | 25.12B |
| EBITDA | 27.21B | 25.42B | 20.05B | 14.12B | 11.37B | 12.66B |
| Net Income | 21.49B | 19.36B | 15.08B | 10.46B | 8.36B | 9.30B |
Balance Sheet | ||||||
| Total Assets | 857.56B | 825.20B | 724.05B | 668.74B | 657.30B | 713.92B |
| Cash, Cash Equivalents and Short-Term Investments | 30.02B | 36.00B | 26.07B | 37.88B | 52.33B | 69.69B |
| Total Debt | 469.13B | 446.68B | 376.87B | 368.08B | 354.26B | 432.72B |
| Total Liabilities | 677.86B | 656.57B | 574.30B | 558.60B | 558.58B | 624.69B |
| Stockholders Equity | 179.71B | 168.63B | 149.74B | 110.14B | 98.72B | 89.23B |
Cash Flow | ||||||
| Free Cash Flow | -38.87B | -81.06B | -47.01B | -18.80B | 62.41B | 67.84B |
| Operating Cash Flow | -38.71B | -80.57B | -46.62B | -18.65B | 62.56B | 67.92B |
| Investing Cash Flow | 2.71B | 7.57B | -11.86B | 1.76B | -14.75B | 205.50M |
| Financing Cash Flow | 28.68B | 74.04B | 41.79B | 3.01B | -66.84B | -81.78B |
PNB Housing Finance Limited Technical Analysis
Positive
869.95
Price Trends
817.86
Positive
872.10
Negative
891.83
Negative
Market Momentum
8.37
Negative
60.61
Neutral
86.88
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PNBHOUSING, the sentiment is Positive. The current price of 869.95 is above the 20-day moving average (MA) of 797.18, above the 50-day MA of 817.86, and below the 200-day MA of 891.83, indicating a neutral trend. The MACD of 8.37 indicates Negative momentum. The RSI at 60.61 is Neutral, neither overbought nor oversold. The STOCH value of 86.88 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:PNBHOUSING.
PNB Housing Finance Limited Peers Comparison
UnderperformOutperform
Sector (65)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₹225.27B | 11.91 | ― | 0.53% | 12.51% | 27.75% | |
66 Neutral | ₹110.53B | 20.38 | ― | 0.33% | 31.75% | 21.70% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
58 Neutral | ₹111.77B | 14.79 | ― | 1.60% | 28.47% | 24.63% | |
56 Neutral | ₹3.86B | 14.15 | ― | ― | 25.40% | -2.19% | |
53 Neutral | ₹98.62B | 17.04 | ― | ― | ― | ― | |
50 Neutral | ₹368.35B | 16.02 | ― | 2.92% | 30.25% | 13.67% |
* Real Estate Sector Average
IN:PNBHOUSING
PNB Housing Finance Limited
864.60
-110.68
-11.35%
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PNB Housing Finance Limited Corporate Events
PNB Housing Finance to Join Morgan Stanley Virtual Investor Meet on India Financials
Mar 9, 2026
PNB Housing Finance Limited has announced that its officials will participate in a virtual group investor meeting focused on India financials hosted by Morgan Stanley on March 16, 2026. The company will use previously disclosed investor presentati...
PNB Housing Finance Engages Investors at IIFL Global Conference, Reaffirms Transparent Disclosures
Feb 24, 2026
PNB Housing Finance Limited reported that its Managing Director and CEO, Ajai Kumar Shukla, and Chief Financial Officer, Vinay Gupta, took part in one-on-one and group meetings with analysts and institutional investors at IIFL’s 17th Enterpr...
PNB Housing Finance posts analyst call audio for Q3 and nine-month FY26 results
Jan 22, 2026
PNB Housing Finance Limited has notified the stock exchanges that the audio recording of its analyst conference call, held on 22 January 2026 to discuss the unaudited standalone and consolidated financial results for the quarter and nine months en...
PNB Housing Flags Rs 237 Crore Fraud in Already Written-Off Account
Jan 21, 2026
PNB Housing Finance Limited has reported that it has identified and declared a fraud related to the account of M/s Sarv Realtors Private Limited amounting to Rs 237.43 crore, in line with regulatory requirements under SEBI’s Listing Regulati...
PNB Housing Finance Schedules Q3 and Nine-Month FY26 Earnings Call for January 22
Jan 13, 2026
PNB Housing Finance Limited has announced that it will host an earnings conference call with investors on January 22, 2026, to discuss its unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.