PNB Housing Finance Limited share price
NSE: PNBHOUSING · ISIN INE572E01012
Key numbers
- Market cap
- ₹ 28,555 Cr
- Current price
- ₹ 1,094.90
- 52-week high / low
- ₹ 1,212 / 730
- Stock P/E
- 12.8
- Book value
- ₹ 737.6
- Dividend yield
- 0.73%
- ROCE
- 11.9%
- ROE
- 12.7%
- Debt to equity
- 2.77
- Sales growth (3 yrs)
- 12.5%
- Profit growth (3 yrs)
- 29.9%
- 1-year return
- 23.0%
About PNB Housing Finance Limited
PNB Housing Finance Limited operates as a housing finance company in India. It offers loans to individuals and corporate bodies for purchase, construction, repair, and upgradation of houses; loans for commercial space, and loans against property, as well as for purchase of residential plots; and home loans, property-related services, and fixed deposits. The company was incorporated in 1988 and is based in Gurugram, India.
Quarterly results
Consolidated figures in ₹ crores
| Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 854 | 844 | 864 | 922 | 923 |
| Operating profit | 1,904 | 1,937 | 1,937 | 2,120 | 2,073 |
| Net profit | 550 | 534 | 520 | 656 | 557 |
| EPS (₹) | 21.18 | 20.52 | 19.97 | 25.17 | 21.39 |
Concall summary (2026-08-07)
AI summary of the earnings call transcript · tone: Positive · source document
Guidance & outlook
- PNB Housing Finance Limited August 05, 2026 Internal Further, RBI revised its FY27 GDP growth forecast from 6.9% to 6.66% in its June 2026 policy review, reflecting concerns around higher energy costs, supply chain disruptions and weaker external demand.
- At segmental level, Prime and Emerging Market has seen a double-digit growth at year-on-year level and stood at INR 3,083 crores and INR 2,029 crores for Q1 FY27 with a disbursement of INR 555 crores in Affordable segment, which is currently less than the target level.
Growth & demand
- On a comparable cheque handover basis, disbursement delivered a strong 56% Y-o-Y growth, reflecting sustained business momentum.
- Post the one-time impact of this transition, disbursement for Q1 FY27 grew at 18% Y-o-Y at INR5,882 crores.
Margins & costs
- Recoveries remained healthy at INR67 crores from written-off pool, resulting in a negative credit cost of 12 basis points during the quarter.
- Marginal increase in cost of borrowing to 7.36% during Q1 financial year '27 compared with 7.35% in previous quarter.
Capex & expansion
- Also, as part of our growth strategy, we have commenced full buyout transactions and acquired loan assets aggregating to INR146 crores during the quarter.
Balance sheet & cash
- As far as margin is concerned, our spread remained stable sequentially at 2.12%, while NIM moderated by 19 bps Q-on-Q to 3.50%, out of which 12 bps is attributable to increase in leverage and 7 bps in true-up impact of Q4 FY26.
- Incremental cost of borrowing increased by 18 bps, primarily due to higher tighter liquidity condition and volatility in financial markets.
Peers in Mortgage Finance
- Bajaj Housing Finance Limited
- LIC Housing Finance Limited
- Aadhar Housing Finance Limited
- Sammaan Capital Limited
- Aptus Value Housing Finance India Limited
- Home First Finance Company India Limited
- Aavas Financiers Limited
- Can Fin Homes Limited
- India Shelter Finance Corporation Limited
- Repco Home Finance Limited
Data for information only, not investment advice. Prices end of day.