PNB Housing

Why is PNB Housing Finance Ltd falling/rising?

As of 05-Aug, PNB Housing Finance Ltd's stock price is rising to Rs 1,121.60, up 6.82%, driven by strong investor interest and confidence, as evidenced by its new 52-week high and significant returns over various periods. Despite some risks, the stock's performance outpaces the sector and reflects robust demand and high institutional holdings.

As of 05-Aug, PNB Housing Finance Ltd's stock price is rising, currently at Rs 1,121.60, reflecting an increase of Rs 71.6 or 6.82%. This upward movement can be attributed to several positive factors. The stock recently hit a new 52-week high of Rs 1,154.35, indicating strong investor interest and confidence. Additionally, it has outperformed the sector by 5.08% today and opened with a gain of 2.85%, suggesting robust demand.<BR><BR>The stock's performance over various periods also highlights its strength; it has generated a return of 46.15% over the past year, significantly outperforming the Sensex, which has declined by 2.64% in the same timeframe. Furthermore, PNB Housing Finance has shown impressive returns of 82.02% over three years and 86.06% over five years, indicating a consistent upward trend.<BR><BR>Investor participation is rising, as evidenced by a 28.81% increase in delivery volume compared to the five-day average. The stock is also trading above its moving averages across multiple timeframes, which is typically a bullish signal. High institutional holdings at 62.55% further bolster confidence, as these investors often have the resources to analyze the company's fundamentals effectively.<BR><BR>Despite some risks, such as slow long-term growth in net sales and a high debt-equity ratio, the overall market-beating performance and positive investor sentiment contribute to the stock's rising price.

Which are the latest news on PNB Housing?

Are PNB Housing Finance Ltd latest results good or bad?

PNB Housing Finance Ltd's latest results show strong revenue growth of 9.02% year-on-year, but a significant 15.01% decline in net profit and margin compression raise concerns about profitability. Overall, the results are mixed, indicating good revenue performance but challenges in maintaining profit margins.

PNB Housing Finance Ltd's latest results present a mixed picture. On one hand, the company achieved a revenue of ₹2,263.44 crores in Q1 FY27, reflecting a 3.75% sequential increase and a 9.02% growth year-on-year. This indicates that the company is successfully expanding its loan book and capturing market share in the housing finance sector.<BR><BR>However, the net profit for the quarter declined significantly by 15.01% quarter-on-quarter to ₹557.34 crores, down from ₹655.80 crores in the previous quarter. While there was a modest year-on-year profit growth of 4.47%, this lagged behind the revenue growth, suggesting challenges in maintaining profitability amidst rising funding costs and margin pressures. The PAT margin also contracted sharply by 544 basis points to 24.62%, indicating significant margin compression.<BR><BR>Overall, while PNB Housing Finance is demonstrating strong revenue growth, the decline in profit and margin compression are concerning signs. The company faces challenges in managing profitability in a competitive lending environment, which could impact its future performance. Thus, the results can be seen as good in terms of revenue growth but bad regarding profitability and margin stability.

Should I buy, sell or hold PNB Housing Finance Ltd?

When is the next results date for PNB Housing Finance Ltd?

The next results date for PNB Housing Finance Ltd is August 4, 2026.

The next results date for PNB Housing Finance Ltd is scheduled for August 4, 2026.

What does PNB Housing do?

PNB Housing Finance Ltd is a small-cap housing finance company established in 1988, specializing in housing loans. As of March 2026, it reported net sales of ₹2,182 Cr and a net profit of ₹656 Cr, with a market cap of ₹25,514 Cr.

Overview:<BR>PNB Housing Finance Ltd is a registered housing finance company operating in the housing finance industry and classified as a small-cap entity.<BR><BR>History:<BR>Incorporated under the Companies Act, 1956, PNB Housing Finance Ltd commenced its operations on November 11, 1988. The latest quarterly results reported net sales and net profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 2,182 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 656 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 25,514 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 11.00 <BR>Industry P/E: 12 <BR>Dividend Yield: 0.51% <BR>Debt-Equity: 3.70 <BR>Return on Equity: 11.92% <BR>Price to Book: 1.34 <BR><BR>Contact Details:<BR>Address: 9th Floor Antrish Bhawan, 22 Kasthurba Gandhi Marg, New Delhi, 110001 <BR>Tel: 91-11-23445200 <BR>Email: investor.services@pnbhousing.com <BR>Website: http://www.pnbhfl.com

How big is PNB Housing?

As of 10th June, PNB Housing Finance Ltd has a market capitalization of 25,514.00 Cr, classifying it as a Small Cap company, with recent net sales of 8,504.52 Cr and net profit of 2,291.24 Cr over the last four quarters.

As of 10th June, <BR><BR>Market Cap: PNB Housing Finance Ltd has a market capitalization of 25,514.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 8,504.52 Cr, while the sum of Net Profit for the same period is 2,291.24 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the latest annual data is March 2025. Shareholder's Funds are valued at 16,863.13 Cr, and Total Assets amount to 82,349.20 Cr.

Who are in the management team of PNB Housing?

The management team of PNB Housing includes key members such as Girish Kousgi (Managing Director & CEO), along with several non-executive and independent directors, including Sunil Kaul, Chandrasekaran Ramakrishnan, and Gita Nayyar, among others. This diverse team provides strong governance and expertise to the company.

The management team of PNB Housing includes the following individuals:<BR><BR>1. **Sunil Kaul** - Non-Executive & Non-Independent Director<BR>2. **Chandrasekaran Ramakrishnan** - Non-Executive & Independent Director<BR>3. **Nilesh S Vikamsey** - Non-Executive & Independent Director<BR>4. **Sanjay Jain** - Company Secretary & Compliance Officer<BR>5. **Tejendra Mohan Bhasin** - Non-Executive & Independent Director<BR>6. **Sudarshan Sen** - Non-Executive & Independent Director<BR>7. **Neeraj Vyas** - Non-Executive & Non-Independent Director<BR>8. **Kapil Modi** - Non-Executive & Non-Independent Director<BR>9. **Gita Nayyar** - Independent Director<BR>10. **Atul Kumar Goel** - Director<BR>11. **Pavan Pal Kaushal** - Independent Director<BR>12. **Girish Kousgi** - Managing Director & CEO<BR>13. **Dilip Kumar Jain** - Nominee<BR><BR>This team brings a diverse range of expertise and governance to the company.

Who are the peers of the PNB Housing?

PNB Housing's peers include Bajaj Housing, LIC Housing Finance, Aadhar Housing Finance, Sammaan Capital, Aptus Value Housing, Can Fin Homes, Home First Finance, Aavas Financiers, India Shelter Finance, and Repco Home Finance. Management risk varies from excellent to below average among peers, with Sammaan Capital showing the highest 1-year return at 32.55% and Bajaj Housing the lowest at -33.83%.

Peers: The peers of PNB Housing are Bajaj Housing, LIC Housing Fin., Aadhar Hsg. Fin., Sammaan Capital, Aptus Value Hou., Can Fin Homes, Home First Finan, Aavas Financiers, INDIA SHELTE FIN, and Repco Home Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aptus Value Hou. and Can Fin Homes, while Good management risk is found at LIC Housing Fin., PNB Housing, Aadhar Hsg. Fin., Home First Finan, Aavas Financiers, and INDIA SHELTE FIN, and Average management risk is present at Sammaan Capital. Below Average management risk is noted at Bajaj Housing. Growth is rated as Excellent for Home First Finan and INDIA SHELTE FIN, Good for Bajaj Housing and Aptus Value Hou., Average for Aadhar Hsg. Fin. and Can Fin Homes, and Below Average for LIC Housing Fin. and PNB Housing, while Sammaan Capital shows Below Average growth. Capital Structure is Excellent for Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., Aptus Value Hou., Home First Finan, Aavas Financiers, and INDIA SHELTE FIN, while Average is noted for LIC Housing Fin. and Good for Can Fin Homes.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Sammaan Capital at 32.55%, while Bajaj Housing has the lowest at -33.83%. PNB Housing's 1-year return is -13.91%, which is better than Bajaj Housing but worse than Sammaan Capital. Additionally, peers with a negative six-month return include Bajaj Housing, Aadhar Hsg. Fin., Aptus Value Hou., Home First Finan, Aavas Financiers, INDIA SHELTE FIN, and Repco Home Fin.

Is PNB Housing technically bullish or bearish?

As of November 27, 2025, PNB Housing's technical trend is mildly bearish, influenced by daily moving averages and weekly Dow Theory signals, despite mixed indicators from MACD and KST across different timeframes, suggesting a cautious outlook.

As of 27 November 2025, the technical trend has changed from sideways to mildly bearish. The current stance is mildly bearish, primarily driven by the daily moving averages indicating a bearish trend and the Dow Theory showing a mildly bearish signal on the weekly timeframe. While the weekly MACD and KST are mildly bullish, the monthly MACD and KST are mildly bearish, suggesting mixed signals across different timeframes. The RSI shows no signal on both weekly and monthly charts, indicating a lack of momentum. Overall, the indicators suggest a cautious outlook for PNB Housing in the near term.

How has been the historical performance of PNB Housing?

PNB Housing has shown growth in net sales and profits from Mar'22 to Mar'25, with net sales rising to 7,665.35 Cr and profit after tax increasing to 1,936.14 Cr. However, it has faced challenges with negative cash flow from operating activities, particularly in Mar'25.

Answer:<BR>The historical performance of PNB Housing shows a mixed trend in financial metrics over the years.<BR><BR>Breakdown:<BR>PNB Housing's net sales have generally increased, rising from 6,195.93 Cr in Mar'22 to 7,665.35 Cr in Mar'25, with a notable dip in Mar'20 at 8,481.84 Cr. Total operating income followed a similar trajectory, reaching 7,665.35 Cr in Mar'25. Operating profit (PBDIT) also saw growth, climbing from 5,197.01 Cr in Mar'22 to 7,093.06 Cr in Mar'25, while the operating profit margin improved from 83.88% in Mar'22 to 92.19% in Mar'25. Profit before tax increased significantly from 1,083.96 Cr in Mar'22 to 2,485.77 Cr in Mar'25, leading to a profit after tax of 1,936.14 Cr in Mar'25, up from 836.48 Cr in Mar'22. The company's total assets grew from 65,330.71 Cr in Mar'22 to 82,349.20 Cr in Mar'25, with total liabilities also increasing from 65,330.71 Cr to 82,349.20 Cr during the same period. Cash flow from operating activities has been negative, particularly in Mar'25 at -8,057.00 Cr, contrasting with positive cash flows in earlier years. Overall, while PNB Housing has shown growth in sales and profits, it has faced challenges in cash flow management.

Is PNB Housing overvalued or undervalued?

As of November 21, 2025, PNB Housing is fairly valued with a PE Ratio of 10.74, indicating it may be undervalued compared to its growth potential, especially when compared to peers like HUDCO and Piramal Finance, despite a recent stock price decline relative to the Sensex.

As of 21 November 2025, PNB Housing's valuation grade has moved from very attractive to fair, indicating a shift in its perceived value. The company is currently fairly valued based on its financial metrics. Key ratios include a PE Ratio of 10.74, an EV to EBITDA of 11.15, and a PEG Ratio of 0.39, which suggests that the stock may be undervalued relative to its growth potential.<BR><BR>In comparison to its peers, PNB Housing's PE Ratio is significantly lower than that of HUDCO, which stands at 16.44, and Piramal Finance, which has a PE of 61.32, both categorized as very expensive. Conversely, LIC Housing Finance, considered attractive, has a PE of 5.45, indicating that PNB Housing is positioned in a competitive range within the industry. Despite a recent decline in stock price compared to the Sensex, which has outperformed it in the short term, PNB Housing's long-term returns over three and five years have been impressive, suggesting potential for future growth.

Who are the top shareholders of the PNB Housing?

The top shareholders of PNB Housing include Punjab National Bank with 28.1%, Quality Investment Holdings Pcc at 10.44%, mutual funds holding 20.09%, foreign institutional investors with 21.44%, and individual investors at 7.82%.

The top shareholders of PNB Housing include several key players. The largest shareholder is Punjab National Bank, which holds 28.1% of the company. Following that, Quality Investment Holdings Pcc is the highest public shareholder with a stake of 10.44%. Additionally, mutual funds collectively hold 20.09% through 29 schemes, while foreign institutional investors (FIIs) have a combined holding of 21.44% across 191 FIIs. Individual investors account for 7.82% of the total shareholding.

Has PNB Housing declared dividend?

Yes, PNB Housing Finance Ltd has declared a 90% dividend, amounting to ₹9 per share, with an ex-date of July 19, 2019. However, the dividend yield is 0%, as it has not contributed to returns, though the company has experienced significant price appreciation over the years.

PNB Housing Finance Ltd has declared a 90% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 90%<BR>- Amount per share: 9 per share<BR>- Ex-date: 19 Jul 19<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was 13.74%, the dividend return was 0%, resulting in a total return of 13.74%.<BR><BR>In the 1-year period, the price return was 49.02%, the dividend return was 0%, resulting in a total return of 49.02%.<BR><BR>In the 2-year period, the price return was 105.47%, the dividend return was 0%, resulting in a total return of 105.47%.<BR><BR>In the 3-year period, the price return was 302.93%, the dividend return was 0%, resulting in a total return of 302.93%.<BR><BR>In the 4-year period, the price return was 58.41%, the dividend return was 0%, resulting in a total return of 58.41%.<BR><BR>In the 5-year period, the price return was 554.51%, the dividend return was 0%, resulting in a total return of 554.51%.<BR><BR>Overall, while PNB Housing Finance Ltd did declare a dividend, the dividend yield remains at 0%, indicating that the dividend has not contributed to returns in recent periods. However, the company has shown significant price appreciation over the years, leading to substantial total returns.