₹1,101
▲ +2.09 +0.19%
17 Jul 2026
NSE Listed · Finance
PNB Housing Fin Ltd. (PNBHOUSING)
Volume: 6,54,067Avg Vol 1W: 2,77,427Avg Vol 1M: 5,43,03452W Range:₹729.6₹1,132.7
Key Ratios
Checked 6h agoMarket Cap₹28,636 Cr
Current Price₹1,101
Previous Close₹1,098.91
High / Low (52w)₹1,132.7 / ₹729.6
Volume6,54,067
Avg Vol (1W)2,77,427
Avg Vol (1M)5,43,034
Stock P/E43.66
Book Value₹737.53
Dividend Yield73%
ROE11.92%
ROA245.02%
Revenue (TTM)—
Revenue Growth—
Profit Margin26.94%
Total Debt₹0 Cr
Shares Outstanding26 Cr
Face Value₹10
EPS (TTM)₹87.93
P/B1.49
Debt / Equity3.69
50 DMA₹1,050.02
200 DMA₹952.63
Day change+0.19%
Price Chart
₹1,101▲ 24.11% · 1Y
2025-11-212026-07-16
20-day avg volume: 5.6L shares
Pros
- Pays a dividend yield of 73.0%.
- Company is almost debt-free.
- Net profit is growing year over year.
Quarterly Results
| Metric | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — | — | — |
| Net Profit | ₹433 Cr | ₹470 Cr | ₹483 Cr | ₹550 Cr | ₹534 Cr | ₹582 Cr | ₹520 Cr | ₹656 Cr |
| EPS | — | — | — | — | — | — | — | — |
Profit & Loss (Annual)
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹5,489 Cr | ₹7,683 Cr | ₹8,490 Cr | ₹7,624 Cr | ₹6,201 Cr | ₹6,530 Cr | ₹7,057 Cr | ₹7,692 Cr |
| EBITDA | ₹1,235 Cr | ₹1,734 Cr | ₹811 Cr | ₹1,207 Cr | ₹1,084 Cr | ₹1,361 Cr | ₹1,954 Cr | ₹2,486 Cr |
| Net Profit | ₹841 Cr | ₹1,192 Cr | ₹646 Cr | ₹930 Cr | ₹836 Cr | ₹1,046 Cr | ₹1,508 Cr | ₹1,936 Cr |
| EPS | 49.94 | 70.76 | 38.41 | 55.26 | 49.53 | 53.16 | 58.2 | 74.25 |
Balance Sheet
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | ₹63,014 Cr | ₹83,869 Cr | ₹78,930 Cr | ₹71,392 Cr | ₹65,730 Cr | ₹66,874 Cr | ₹72,405 Cr | ₹82,520 Cr |
| Total Liabilities | ₹56,447 Cr | ₹76,325 Cr | ₹70,932 Cr | ₹62,469 Cr | ₹55,858 Cr | ₹55,860 Cr | ₹57,430 Cr | ₹65,657 Cr |
| Equity | ₹6,567 Cr | ₹7,544 Cr | ₹7,998 Cr | ₹8,923 Cr | ₹9,872 Cr | ₹11,014 Cr | ₹14,974 Cr | ₹16,863 Cr |
| Total Debt | — | — | — | — | — | — | — | — |
Cash Flow
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating | ₹-15,190 Cr | ₹-16,046 Cr | ₹9,273 Cr | ₹7,087 Cr | ₹11,018 Cr | ₹2,419 Cr | ₹-123 Cr | ₹-3,185 Cr |
| Investing | ₹-50 Cr | ₹-54 Cr | ₹-63 Cr | ₹-6 Cr | ₹-1,475 Cr | ₹176 Cr | ₹-1,186 Cr | ₹757 Cr |
| Financing | ₹18,464 Cr | ₹17,888 Cr | ₹-4,386 Cr | ₹-8,332 Cr | ₹-6,732 Cr | ₹301 Cr | ₹4,179 Cr | ₹7,404 Cr |
| Free Cash Flow | ₹-15,190 Cr | ₹-16,046 Cr | ₹9,273 Cr | ₹7,087 Cr | ₹11,018 Cr | ₹2,419 Cr | ₹-123 Cr | ₹-3,185 Cr |
Shareholding
Promoter 28.04% Institutions 60.67% Public 11.3%
Efficiency & Working Capital
ROCE8.8%
Interest Coverage0
Dividend Payout—
Debtor Days2 d
Inventory Days0 d
Payable Days1 d
Cash Conversion Cycle2 d
Working Capital Days2 d
Shareholding Details
As of 2026-03-31
Promoter28%
FII16.6%
DII44.1%
Institutions60.7%
Public11.3%
Promoter Pledge0%
No. of Shareholders1,92,512
Shareholding Pattern
Quarterly — figures in %. Latest 12 quarters.
| Period | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 28.1% | 28.1% | 28.1% | 28.1% | 28.1% | 28.1% | 28.1% | 28.1% | 28.1% | 28% | 28% | 28% |
| FIIs | 24.8% | 24.8% | 24.7% | 25% | 17.9% | 20.4% | 24.3% | 21.4% | 24.2% | 18.6% | 17.2% | 16.6% |
| DIIs | 7.6% | 7.7% | 5% | 6.9% | 10.9% | 22.2% | 26.9% | 29.9% | 38% | 40.7% | 43% | 44.1% |
| Public | 39.5% | 39.3% | 42.1% | 40% | 43% | 29.3% | 20.7% | 20.6% | 9.7% | 12.7% | 11.7% | 11.3% |
| Promoter Pledge | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| No. of Shareholders | 1,20,193 | 1,19,631 | 1,24,656 | 1,33,177 | 1,62,938 | 1,58,799 | 1,83,482 | 1,82,070 | 1,87,526 | 2,24,183 | 1,99,930 | 1,92,512 |
Returns History (ROE / ROCE / ROA)
| Period | ROE | ROCE | ROA | P/E |
|---|---|---|---|---|
| 202503 | — | — | — | — |
Major Shareholders (>1%)
| Name | Category | Stake | Shares |
|---|---|---|---|
| Punjab National Bank | Shareholding of Promoter and Promoter Group | 28% | 7.31 Cr |
| Aditya Birla Sun Life Trustee Private Limited A/c - Aditya Birla Sun Life Large Cap Fund | Public Shareholding | 3.7% | 95,99,354 |
| Hsbc Mutual Fund - Hsbc Value Fund | Public Shareholding | 3.6% | 93,52,549 |
| Sbi Life Insurance Co. Ltd | Public Shareholding | 2.7% | 70,23,794 |
| Nippon Life India Trustee Ltd-a/c Nippon India Small Cap Fund | Public Shareholding | 2.4% | 62,96,578 |
| Kotak Mahindra Trustee Co Ltd A/c Kotak Multicap Fund | Public Shareholding | 2.4% | 61,75,825 |
| Hdfc Mutual Fund - Hdfc Multi Cap Fund | Public Shareholding | 2.4% | 61,69,846 |
| Pi Opportunities Aif V Llp | Public Shareholding | 2.4% | 61,39,902 |
| Dsp Small Cap Fund | Public Shareholding | 2.3% | 60,11,196 |
| Franklin India Small Cap Fund | Public Shareholding | 2.2% | 56,03,961 |
| Canara Robeco Mutual Fund A/c Canara Robeco Small Cap Fund | Public Shareholding | 2% | 52,60,482 |
| Bandhan Small Cap Fund | Public Shareholding | 1.9% | 49,20,336 |
| Axis Mutual Fund Trustee Limited A/c Axis Mutual Fund A/c Axis Small Cap Fund | Public Shareholding | 1.4% | 36,42,193 |
| Icici Prudential Banking And Financial Services Fund | Public Shareholding | 1.3% | 34,80,271 |
| Stichting Depositary Apg Emerging Markets Equity Pool | Public Shareholding | 1.3% | 34,22,780 |
| Tata Banking & Financial Services Fund | Public Shareholding | 1.1% | 29,47,429 |
| Sundaram Mutual Fund A/c Sundaram Services Fund | Public Shareholding | 1.1% | 28,72,471 |
| Government Pension Fund Global | Public Shareholding | 1% | 26,45,937 |
| Vanguard Total International Stock Index Fund | Public Shareholding | 1% | 26,12,309 |
| Assam Gramin Vikas Bank | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Bihar Gramin Bank | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Himachal Pradesh Gramin Bank | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Manipur Rural Bank | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Punjab Gramin Bank | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Sarva Haryana Gramin Bank | Shareholding of Promoter and Promoter Group | 0% | 0 |
Promoter Pledges
| Holder | Pledged Shares | % of Holding | As of |
|---|---|---|---|
| Punjab National Bank | 0 | 0% | 2026-03-31 |
| Assam Gramin Vikas Bank | 0 | 0% | 2026-03-31 |
| Bihar Gramin Bank | 0 | 0% | 2026-03-31 |
| Himachal Pradesh Gramin Bank | 0 | 0% | 2026-03-31 |
| Manipur Rural Bank | 0 | 0% | 2026-03-31 |
| Punjab Gramin Bank | 0 | 0% | 2026-03-31 |
| Sarva Haryana Gramin Bank | 0 | 0% | 2026-03-31 |
| Tripura Gramin Bank | 0 | 0% | 2026-03-31 |
| West Bengal Gramin Bank | 0 | 0% | 2026-03-31 |
| Pnb Metlife India Insurance Company Limited | 0 | 0% | 2026-03-31 |
| Pnb Gilts Limited | 0 | 0% | 2026-03-31 |
| Pnb Investment Services Limited | 0 | 0% | 2026-03-31 |
Board of Directors
| Name | Designation | Year |
|---|---|---|
| Chandrasekaran Ramakrishnan | Independent Non Exe. Director | 2025 |
| Nilesh Vikamsey | Independent Non Exe. Director | 2025 |
| Neeraj Vyas | Non-Exec & Non-Independent Dir | 2025 |
| T M Bhasin | Independent Non Exe. Director | 2025 |
| Sudarshan Sen | Independent Non Exe. Director | 2025 |
| Gita Nayyar | Independent Non Exe. Director | 2025 |
| Girish Kousgi | Managing Director & CEO | 2025 |
| PAVAN PAL KAUSHAL | Independent Non Exe. Director | 2025 |
| Dilip Kumar Jain | Non Executive Director / Nominee | 2025 |
| VEENA G KAMAT | Company Sec. & Compli. Officer | 2025 |
| Devendran Surendran | Additional Director | 2025 |
| Ajai Kumar Shukla | Managing Director & Chief Executive Officer | 2025 |
| Shreekant | Additional Director | 2025 |
| Rajiv Kumar Singh | Additional Director | 2025 |
Segments — Product
| Segment | Revenue | Share |
|---|---|---|
| Loans for Construction, Houses,Flat | ₹0 Cr | — |
Capital Structure (₹ Cr)
| Year | Face Value | Authorised | Issued | Paid-up |
|---|---|---|---|---|
| 2025 | ₹10 | 500 | 260 | 260 |
Corporate Actions
| Type | Date | Value | Remark |
|---|---|---|---|
| forthcoming | 2026-07-31 | Dividend (8/- per share) | Final |
| forthcoming | 2026-07-10 | Board Meetings | — |
| dividend | 2025-08-01 | ₹5 (50%) | Final |
Related-Party Transactions (₹ Cr)
| Year | Subsidiaries | Associates | JV | KMP | Others | Total |
|---|---|---|---|---|---|---|
| 2025 | 248 | 0 | 0 | 11 | 2,227 | 10,242 |
| 2025 | 0 | 0 | 0 | 1 | 1,863 | 9,031 |
| 2025 | 3 | 0 | 0 | 0 | 2 | 36 |
Substantial Acquisitions (SAST)
17 disclosure(s)
Market04/08/2025 · 13,58,729
Market28/07/2025 · 2,32,216
Market02/05/2025 · 2,71,24,311
Market05/12/2024 · 3,69,684
Market13/11/2024 · 1,35,30,716
Market13/11/2024 · 2,45,00,000
Company Information
Incorporated1988
AuditorT R Chadha & Co LLP/C N K & Associates LLP
Investor Email[email protected]; [email protected]
📍 9th Floor Antrish Bhawan, 22 Kasthurba Gandhi Marg, New Delhi, New Delhi, 110001
Technical AnalysisPremium
Technical analysis (Premium)
Log in to see RSI, MACD, moving averages, oscillators and pivot levels for this stock.
More stocks
Prices are delayed/indicative; pros & cons are AI generated. Informational only — not investment advice. ← Back to search