PNB Housing

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.

how big is PNB Housing?

As of Jun 06, PNB Housing Finance Ltd has a market capitalization of 28,686.17 Cr and reported net sales of 7665.35 Cr and net profit of 1936.14 Cr for the latest four quarters. The company's shareholder's funds are 14,974.44 Cr, with total assets of 72,277.16 Cr as of the latest annual period ending Mar'24.

Market Cap: <BR>As of Jun 06, PNB Housing Finance Ltd has a market capitalization of 28,686.17 Cr, categorizing it as a Large Cap company.<BR><BR>Recent Quarterly Performance: <BR>For the latest four quarters, PNB Housing reported a sum of Net Sales amounting to 7665.35 Cr and a sum of Net Profit of 1936.14 Cr. This data is Consolidated.<BR><BR>Balance Sheet Snapshot: <BR>This is Consolidated data for the latest annual period ending Mar'24. The Shareholder's Funds are reported at 14,974.44 Cr, while the Total Assets amount to 72,277.16 Cr.

What does PNB Housing do?

PNB Housing Finance Ltd is a large-cap housing finance company in India, incorporated in 1988, with a recent net sales of ₹2,022 Cr and net profit of ₹550 Cr as of March 2025. It offers housing loans and related financial services.

Overview:<BR>PNB Housing Finance Ltd is a registered housing finance company operating in the housing finance industry and classified as a large-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 2025.<BR><BR>Financial Snapshot:<BR>- Net Sales: 2,022 Cr (Quarterly Results - Mar 2025)<BR>- Net Profit: 550 Cr (Quarterly Results - Mar 2025)<BR>- Market Cap: Rs 28,593 Cr (Large Cap)<BR><BR>Key Metrics:<BR>- P/E: 14.00<BR>- Industry P/E: 13<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 3.70<BR>- Return on Equity: 11.48%<BR>- Price to Book: 1.64<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

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.

Who are the peers of the PNB Housing?

PNB Housing's peers include Bajaj Housing, LIC Housing Finance, Aadhar Housing Finance, and others. PNB Housing has the highest 1-year return at 45.17%, while LIC Housing Finance has the lowest at -11.05%.

Peers: The peers of PNB Housing are Bajaj Housing, LIC Housing Fin., Aadhar Hsg. Fin., Aptus Value Hou., Aavas Financiers, Home First Finan, Can Fin Homes, Sammaan Capital, 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., Aavas Financiers, Home First Finan, and INDIA SHELTE FIN. Average management risk is present at Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., and Sammaan Capital. For Growth, Excellent growth is seen at Bajaj Housing, Home First Finan, and INDIA SHELTE FIN, while Good growth is noted at Aadhar Hsg. Fin., Aptus Value Hou., and Aavas Financiers. Below Average growth is found at LIC Housing Fin. and PNB Housing, and the rest have Average growth. In terms of Capital Structure, Excellent capital structure is noted at Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., Aptus Value Hou., Aavas Financiers, Home First Finan, and INDIA SHELTE FIN, while Average capital structure is found at LIC Housing Fin. and Good capital structure at Can Fin Homes.<BR><BR>Return Snapshot: The peer with the highest 1-year return is PNB Housing at 45.17%, while the peer with the lowest is LIC Housing Fin. at -11.05%. PNB Housing's 1-year return significantly outperforms LIC Housing Fin. Additionally, peers with negative six-month returns include Aptus Value Hou., Sammaan Capital, and Repco Home Fin.

Who are in the management team of PNB Housing?

As of March 2023, the management team of PNB Housing includes Girish Kousgi (Managing Director & CEO), along with various non-executive and independent directors such as Sunil Kaul, Chandrasekaran Ramakrishnan, and Gita Nayyar, among others. The team comprises a mix of executive and non-executive members.

As of March 2023, 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 diverse team includes both executive and non-executive members, with a mix of independent and non-independent directors.

Are PNB Housing latest results good or bad?

PNB Housing Finance's latest Q2 FY26 results show strong profitability with a 23.83% increase in net profit and improved interest margins, but concerns about negative cash flow and stagnant long-term sales growth suggest a cautious outlook for investors.

PNB Housing Finance's latest results for Q2 FY26 show a mixed picture. On one hand, the company reported a net profit of ₹581.59 crore, which is a significant increase of 23.83% year-on-year. Interest income also grew by 13.26% to ₹2,127.86 crore, and the net interest margin expanded impressively to 36.47%. These figures indicate strong profitability and operational efficiency.<BR><BR>However, there are underlying concerns that temper the positive results. The company's five-year sales growth stands at a negative 0.50%, indicating stagnation in revenue growth over the medium term. Additionally, the operating cash flow turned sharply negative at ₹8,057 crore for FY25, raising questions about the sustainability of its business model. The stock has also underperformed in the market, with a one-year return of -2.13%, lagging behind both the Sensex and the housing finance sector.<BR><BR>Overall, while the quarterly results reflect strong earnings and margin improvements, the structural challenges, particularly regarding cash flow and long-term growth, suggest a cautious outlook. Investors may want to hold their positions but should monitor the company's cash flow and growth trajectory closely in the coming quarters.

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.

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 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.

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

The next results date for PNB Housing Finance Ltd is January 21, 2026.

The next results date for PNB Housing Finance Ltd is scheduled for January 21, 2026.

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

Why is PNB Housing Finance Ltd falling/rising?

As of 31-Mar, PNB Housing Finance Ltd's stock price is at 757.95, down 4.59% and nearing its 52-week low. The stock has underperformed the market with a year-to-date decline of 20.32%, and despite a profit increase, weak growth indicators and reduced investor interest are contributing to its downward trend.

As of 31-Mar, PNB Housing Finance Ltd's stock price is falling, currently at 757.95, which reflects a decrease of 36.45 (-4.59%). The stock has been underperforming, having lost 5.7% over the last two days and is now close to its 52-week low, just 3.69% away from Rs 730. <BR><BR>In terms of performance relative to the market, the stock has shown a negative trend over various periods, including a year-to-date decline of 20.32% compared to a 15.57% drop in the Sensex. Over the past month, the stock has decreased by 6.85%, while the benchmark index has fallen by 10.33%. This indicates that PNB Housing Finance has been relatively better than the market in the short term but still shows a significant decline.<BR><BR>The stock is trading below all its moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically signals a bearish trend. Additionally, there has been a notable decrease in investor participation, with delivery volume falling by 22.95% against the 5-day average. This lack of interest from investors may further contribute to the stock's decline.<BR><BR>Moreover, despite a rise in profits by 19.8% over the past year, the stock has generated a negative return of -14.04%, indicating poor long-term growth prospects. The company's net sales growth has been modest at an annual rate of 1.57%, and operating profit growth stands at 5.20%. These figures suggest underlying weaknesses in the company's financial performance, which may deter investors.<BR><BR>Overall, the combination of declining stock price, poor performance relative to benchmarks, falling investor participation, and weak growth indicators are contributing to the downward movement of PNB Housing Finance Ltd's stock.

Which are the latest news on PNB Housing?