PNB Housing Finance Limited
PNB Housing Finance Limited operates in Housing Finance Company, part of the Financial Services sector. It booked ₹2,423 cr of revenue in its latest quarter (Q2 FY27) and kept 25.4% of sales as profit. It is the 3rd largest of 9 Housing Finance Company companies we track, by market value.
Healthier than 52% of companies in Financial Services, on the 5 of 6 measures we could read for it. Each measure is ranked against the 102–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 38
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
Whether sales and profit have grown, and how steadily
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold
Not measurable for this company: balance sheet. Those pillars are left out of the score rather than counted as zero.
What if I invest in PNBHOUSING?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-04.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Revenue from Operations | ₹2,423 cr |
| Other Income | ₹80 L |
| Total Income | ₹2,424 cr |
| Cost of Materials | ₹0 cr |
| Purchases of Stock-in-Trade | ₹0 cr |
| Employee Benefit Expense | ₹139 cr |
| Finance Costs | ₹1,415 cr |
| Depreciation & Amortisation | ₹17 cr |
| Other Expenses | ₹100 cr |
| Total Expenses | ₹1,627 cr |
| Profit before Tax | ₹797 cr |
| Tax Expense | ₹180 cr |
| Net Profit | ₹617 cr |
| Net margin on total income | 25.4% |
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 2,182 cr | 2,263 cr | 2,423 cr |
| Total income | 2,172 cr | 2,265 cr | 2,424 cr |
| Expenses | 1,317 cr | 1,547 cr | 1,627 cr |
| Profit before tax | 855 cr | 718 cr | 797 cr |
| Tax | 199 cr | 161 cr | 180 cr |
| Net profit (owners' share) | 656 cr | 557 cr | 617 cr |
| Net margin (owners' share, on revenue) | 30.1% | 24.6% | 25.4% |
| EPS (₹) | 25.17 | 21.39 | 23.65 |
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| Bajaj Housing Finance Limited | ₹78 | ₹65,124 cr | 21.5 | 12.6% | 23.3% | — |
| LIC Housing Finance Limited | ₹505 | ₹27,792 cr | 4.6 | 13.7% | 20.9% | — |
| PNB Housing Finance Limitedthis company | ₹1,063 | ₹27,723 cr | 11.2 | 12.2% | 25.4% | — |
| Aadhar Housing Finance Limited | ₹421 | ₹18,423 cr | 16.3 | 15.0% | 28.4% | — |
| Sammaan Capital Limited | ₹120 | ₹13,758 cr | 14.1 | 5.1% | 14.7% | — |
| Home First Finance Company India Limited | ₹1,064 | ₹11,122 cr | 16.3 | 14.6% | 30.0% | — |
| Aptus Value Housing Finance India Limited | ₹202 | ₹10,101 cr | 9.7 | 20.6% | 43.5% | — |
| Can Fin Homes Limited | ₹736 | ₹9,806 cr | 8.9 | 17.1% | 24.3% | — |
| Aavas Financiers Limited | ₹1,122 | ₹8,876 cr | 15.6 | 15.1% | 26.1% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹8 / share | 31 Jul 2026 |
| Dividend | ₹5 / share | 1 Aug 2025 |
| Rights issue | 54:29 | 5 Apr 2023 |
| Dividend | ₹9 / share | 19 Jul 2019 |
| Dividend | ₹9 / share | 19 Jul 2018 |
| Dividend | ₹6 / share | 25 Jul 2017 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.