PNB Housing

Which are the latest news on PNB Housing?

Why is PNB Housing Finance Ltd falling/rising?

As of 05-Sep, PNB Housing Finance Ltd's stock price is at Rs 1,165.50, up 1.97%, driven by strong recent performance and high institutional holdings. Despite some risks, the stock has shown significant gains year-to-date and is trading above its moving averages, indicating positive market sentiment.

As of 05-Sep, PNB Housing Finance Ltd's stock price is rising, currently at Rs 1,165.50, reflecting an increase of Rs 22.5 or 1.97%. This upward movement can be attributed to several factors. The stock has shown strong performance over the past month, gaining 11.00%, and has significantly outperformed the benchmark Sensex, which declined by 2.44% during the same period. Year-to-date, the stock has risen by 22.53%, while the Sensex has fallen by 10.21%. <BR><BR>Additionally, PNB Housing Finance has been on a positive trajectory recently, with the stock gaining for the last two consecutive days, resulting in a total return of 2.57% in that timeframe. It also reached an intraday high of Rs 1,195, which is 4.55% above its current price and only 3.82% away from its 52-week high of Rs 1,210.8. The stock is trading above all its moving averages, indicating strong momentum.<BR><BR>Moreover, the company benefits from high institutional holdings at 62.55%, which have increased by 1.86% over the previous quarter. This suggests confidence from institutional investors, who typically have more resources to analyze company fundamentals. The stock's long-term performance has been robust, generating a 48.97% return over the past year and outperforming the BSE500 over various time frames.<BR><BR>However, it is important to note that there are some risks, including poor long-term growth rates and a high debt-equity ratio. Despite these concerns, the current market sentiment appears to favor PNB Housing Finance Ltd, contributing to its rising stock price.

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

Who are in the management team of PNB Housing?

The management team of PNB Housing includes Girish Kousgi (Managing Director & CEO), Sunil Kaul, Chandrasekaran Ramakrishnan, Nilesh S Vikamsey, Sanjay Jain (Company Secretary), Tejendra Mohan Bhasin, Sudarshan Sen, Neeraj Vyas, Kapil Modi, Gita Nayyar, Atul Kumar Goel, Pavan Pal Kaushal, and Dilip Kumar Jain, bringing diverse expertise in various roles.

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

What does PNB Housing do?

PNB Housing Finance Ltd is a housing finance company that offers loans for purchasing, constructing, and upgrading homes, with Punjab National Bank as a major promoter. As of June 2026, it reported net sales of ₹2,263 Cr and a net profit of ₹557 Cr, with a market cap of ₹30,065 Cr.

Overview:<BR>PNB Housing Finance Ltd is a registered housing finance company that provides loans for the purchase, construction, repair, and up-gradation of houses, operating within the small-cap housing finance industry.<BR><BR>History:<BR>Incorporated on November 11, 1988, PNB Housing Finance Ltd is promoted by Punjab National Bank, which holds 28% of its equity share capital. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 2,263 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: 557 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 30,065 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 13.00 <BR>Industry P/E: 12 <BR>Dividend Yield: 0.68% <BR>Debt-Equity: 3.70 <BR>Return on Equity: 11.92% <BR>Price-to-Book: 1.58 <BR><BR>Contact Details:<BR>Address: 9th Floor Antrish Bhawan, 22 Kasthurba Gandhi Marg, New Delhi, 110001 <BR>Phone: 91-11-23445200 <BR>Email: investor.services@pnbhousing.com <BR>Website: http://www.pnbhfl.com

Who are the peers of the PNB Housing?

PNB Housing's peers include Bajaj Housing, LIC Housing Finance, Aadhar Housing Finance, and others, with varying management risks and growth rates. PNB Housing has the highest 1-year return at 51.07%, while Bajaj Housing has the lowest at -24.49%.

Peers: The peers of PNB Housing are Bajaj Housing, LIC Housing Fin., Aadhar Hsg. Fin., Sammaan Capital, Aptus Value Hou., Home First Finan, Can Fin Homes, 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 PNB Housing, LIC Housing Fin., Aadhar Hsg. Fin., Home First Finan, Aavas Financiers, and the rest. Average management risk is noted at Sammaan Capital, while Below Average management risk is present at Bajaj Housing. Growth is Excellent at Home First Finan and INDIA SHELTE FIN, Good at Bajaj Housing and Aptus Value Hou., Average at Aadhar Hsg. Fin. and Can Fin Homes, and Below Average at PNB Housing, LIC Housing Fin., Sammaan Capital, and the rest. Capital Structure is Excellent at Bajaj Housing, Aadhar Hsg. Fin., Aptus Value Hou., Home First Finan, Aavas Financiers, and the rest, Average at LIC Housing Fin., and Good at Can Fin Homes.<BR><BR>Return Snapshot: PNB Housing has the highest 1-year return at 51.07%, while Bajaj Housing has the lowest at -24.49%. Compared to its peers, PNB Housing's return is significantly higher. Additionally, the peers with negative six-month returns include Bajaj Housing, Aptus Value Hou., Home First Finan, Can Fin Homes, Aavas Financiers, INDIA SHELTE FIN, and Repco Home Fin.

How big is PNB Housing?

As of 31st August, PNB Housing Finance Ltd has a market capitalization of 30,065.00 Cr, with recent net sales of 8,691.85 Cr and a net profit of 2,315.08 Cr. Shareholder's funds are 19,219.13 Cr, and total assets amount to 93,488.08 Cr.

As of 31st August, PNB Housing Finance Ltd has a market capitalization of 30,065.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest 4 quarters, PNB Housing reported Net Sales of 8,691.85 Cr and a Net Profit of 2,315.08 Cr.<BR><BR>The latest annual period for the balance sheet is March 2026, with Shareholder's Funds amounting to 19,219.13 Cr and Total Assets of 93,488.08 Cr.

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.

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.

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.