PNB Housing Finance Limited (PNBHOUSING) AI Stock Analysis

• Market Cap: ₹223.75B
• Dividend Yield: 0.56%
• Average Volume (3M): 66.36K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 1.27
• Revenue Growth: 10.58%
• EPS Growth: 27.73%
• Country: IN
• Employees: 2,003
• Sector: Real Estate
• Sector Strength: 53
• Industry: Financial - Mortgages
• EPS (TTM): 20.50
• Shares Outstanding: 260,452,270
• 10 Day Avg. Volume: 71,103
• 30 Day Avg. Volume: 66,356
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹1,177.33
• Price Target Upside: 32.31% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4

• Rating: 60 Neutral
• Price Target: ₹846.00 ▼(-4.93% Downside)

PNB Housing Finance Limited's overall score is influenced primarily by its financial performance and valuation. While the company demonstrates strong revenue growth and effective equity use, its high debt levels and negative cash flow trends raise concerns. The technical analysis suggests bearish momentum, adding downside risk. Valuation metrics indicate potential undervaluation, but the modest dividend yield offers limited income potential.

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 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.

How the Company Makes Money

PNB Housing Finance Limited generates revenue primarily through the interest income it earns on the loans it provides to its customers. The core revenue streams include home loans, loans against property, and construction finance. These loans are typically secured by the property being financed, which reduces the risk for the company and allows it to offer competitive interest rates. Additionally, PNB Housing Finance earns income from processing fees and other charges related to the origination and management of these loans. The company may also engage in partnerships with real estate developers and other financial institutions to expand its reach and enhance its product offerings. Interest rate fluctuations, regulatory changes, and the overall economic environment are significant factors affecting the company's earnings.

PNB Housing Finance Limited Financial Statement Overview

Summary

PNB Housing Finance Limited shows strong revenue growth and profitability metrics, but its high leverage and negative cash flow trends warrant caution. The company's financial health is supported by effective equity utilization, yet the reliance on debt and challenges in cash flow management may impact future stability.

Income Statement

The company exhibits strong revenue growth with total revenue rising significantly year-over-year. The gross profit margin and EBIT margin are healthy, indicating efficient operations. However, the net profit margin shows some volatility, reflecting potential challenges in maintaining consistent profitability.

Balance Sheet

The company's debt-to-equity ratio is relatively high, suggesting a heavy reliance on debt financing, which could pose risks if interest rates rise. The return on equity is robust, indicating effective use of shareholder capital. However, the equity ratio is modest, pointing to a moderate level of financial stability.

Cash Flow

The cash flow situation is concerning, with negative free cash flow in recent years indicating that the company is spending more on operations and investments than it is generating. The operating cash flow to net income ratio is also negative, suggesting potential cash flow management issues.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	65.75B	76.78B	70.45B	65.30B	61.81B	75.96B
Gross Profit	32.60B	31.26B	27.84B	51.41B	21.25B	25.12B
EBITDA	17.89B	23.83B	49.60B	14.12B	11.37B	12.66B
Net Income	19.36B	19.36B	15.08B	10.46B	8.36B	9.30B
Balance Sheet
Total Assets	825.20B	825.20B	724.05B	668.74B	657.30B	713.92B
Cash, Cash Equivalents and Short-Term Investments	36.00B	36.00B	26.07B	37.88B	52.33B	69.69B
Total Debt	446.68B	446.68B	376.87B	368.08B	354.26B	432.72B
Total Liabilities	656.57B	656.57B	574.30B	558.60B	558.58B	624.69B
Stockholders Equity	168.63B	168.63B	149.74B	110.14B	98.72B	89.23B
Cash Flow
Free Cash Flow	0.00	-81.06B	-47.01B	-18.80B	62.41B	67.84B
Operating Cash Flow	0.00	-80.57B	-46.62B	-18.65B	62.56B	67.92B
Investing Cash Flow	0.00	7.57B	-11.86B	1.76B	-14.75B	205.50M
Financing Cash Flow	0.00	74.04B	41.79B	3.01B	-66.84B	-83.32B

PNB Housing Finance Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 889.85
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PNBHOUSING, the sentiment is Neutral. The current price of 889.85 is above the 20-day moving average (MA) of 805.16, above the 50-day MA of 877.68, and below the 200-day MA of 922.31, indicating a neutral trend. The MACD of -0.05 indicates Negative momentum. The RSI at 63.25 is Neutral, neither overbought nor oversold. The STOCH value of 92.16 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:PNBHOUSING.

PNB Housing Finance Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HOMEFIRST	66 Neutral	131.04B	28.38	15.15%	0.29%	33.53%	21.56%
HUDCO	60 Neutral	480.76B	17.28	15.08%	1.77%	32.45%	24.80%
PNBHOUSING	60 Neutral	₹223.75B	10.96	―	0.56%	10.58%	27.73%
AAVAS	54 Neutral	132.85B	22.31	13.17%	―	―	―
APTUS	54 Neutral	161.63B	20.20	17.40%	1.39%	28.39%	24.27%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%

PNB Housing Finance Limited Corporate Events

PNB Housing Finance to Host Q1 FY26 Earnings Call

PNB Housing Finance Limited has announced an upcoming earnings call scheduled for July 22, 2025, to discuss the un-audited financial results for the first quarter of the fiscal year 2025-26. This event is part of the company’s regulatory obligations and will involve key management personnel engaging with investors, reflecting the company’s commitment to transparency and stakeholder engagement.