PNB Housing Finance Limited

NSE: PNBHOUSING BSE: 540173 SECTOR: Financial Services - Finance

1067 15(-1%)

Near 52W High of 1133

Volume

6L as on 22, Jul

Open

1,035

High

1,044

Low

1,027

1,082

VWAP

1,082

52 Week High

1,133

52 Week Low

730

Viand Research Rating

Quality Score

45/100

Growth Score

16/100

Valuation Score

50/100

Momentum Score

70/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

27,815

No. of Shares

P/E

14.74

P/B

1.59

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

10.81

ROCE

Profit Growth

Listing Date

07-Nov-16

Promoter Holding

28.04%

FII Holding

16.6%

DII Holding

44.07%

Price Chart

Price Performance

1 Week2%

1 Month7%

3 Months9%

6 Months26%

1 Year2%

YTD10%

Moving Average

5 Day SMA1,095

10 Day SMA1,099

20 Day SMA1,080

30 Day SMA1,053

50 Day SMA1,047

61 Day SMA1,048

80 Day SMA1,004

200 Day SMA930

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,131	1,101	1,117	1,128
Resistance 2	1,117	1,099	1,107	1,115
Resistance 1	1,105	1,096	1,101	1,103
Pivot Point	1,091	1,094	1,091	1,090
Support 1	1,080	1,092	1,082	1,077
Support 2	1,066	1,089	1,076	1,064
Support 3	1,054	1,087	1,066	1,052

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,708	746	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,380	1433	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,35,523	1014	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,47,464	1040	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,33,640	422	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,984	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,80,565	1223	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,02,712	1891	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,41,507	1026	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,86,506	1859	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.01) 28.04%	(0.01) 28.04%	(0.01) 28.04%	(0.01) 28.08%	(0.01) 28.10%	(0.01) 28.11%	(0.01) 28.11%	(0.01) 28.13%	(0.01) 28.13%	(0.01) 28.13%	(0.01) 28.14%	(-4.41) 28.15%	(0.01) 32.52%	(0.01) 32.53%	(0.01) 32.57%	(0.01) 32.57%	(0.01) 32.57%	(0.01) 32.57%	(0.01) 32.58%
FIIs	(-0.61) 16.60%	(-1.41) 17.22%	(-5.61) 18.61%	(2.71) 24.18%	(-2.91) 21.45%	(3.91) 24.34%	(2.51) 20.42%	(-7.11) 17.89%	(0.31) 25.00%	(-0.11) 24.70%	(0.01) 24.81%	(0.51) 24.77%	(0.61) 24.29%	(0.41) 23.64%	(-0.71) 23.24%	(0.01) 23.96%	(-0.31) 23.96%	(-1.71) 24.30%	(0.01) 25.95%
DIIs	(1.11) 44.07%	(2.31) 43.02%	(2.71) 40.68%	(8.11) 37.99%	(3.01) 29.88%	(4.71) 26.85%	(11.21) 22.17%	(4.11) 10.95%	(-1.01) 6.88%	(0.11) 7.86%	(0.11) 7.72%	(4.01) 7.60%	(0.71) 3.65%	(-0.31) 2.98%	(0.91) 3.28%	(0.01) 2.38%	(-0.21) 2.33%	(-0.61) 2.49%	(0.01) 3.11%
Government	0.02%	0.02%	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	11.28%	11.69%	12.65%	9.74%	20.57%	20.69%	29.29%	43.04%	39.98%	39.32%	39.32%	39.48%	39.53%	40.85%	40.90%	41.09%	41.14%	40.64%	38.37%
No. of Shareholders	192,512	199,930	224,183	187,526	182,070	183,482	158,799	162,938	133,177	124,656	119,631	120,193	108,269	118,147	119,997	120,592	119,187	104,398	101,947

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	2182	2119	2128	2076	2022	1942	1879	1823	1810	1755	1778	1708	1636	1797	1684	1411	1425	1495	1583	1692
Sales Growth % (YoY)	7.9%	9.1%	13.3%	13.9%	11.7%	10.7%	5.7%	6.8%	10.6%	-2.3%	5.5%	21%	14.8%	20.1%	6.4%	-16.6%	-22.2%	-20.7%	-	-
Sales Growth % (QoQ)	3%	-0.4%	2.5%	2.7%	4.1%	3.4%	3.1%	0.7%	3.1%	-1.3%	4.1%	4.4%	-9%	6.7%	19.3%	-1%	-4.7%	-5.6%	-6.4%	-
Expenses	52	183	88	145	133	155	143	168	170	216	204	201	275	421	366	158	257	233	247	262
Operating Profit	883	683	773	697	711	629	618	559	570	452	517	459	353	379	355	323	237	267	302	327
OPM %	40	32	36	34	35	32	33	31	31	26	29	27	22	21	21	23	17	18	19	19
Other Income	-10	2	3	6	15	1	1	9	4	1	2	0	2	0	-1	1	0	0	3	1
Interest	1246	1253	1267	1234	1178	1158	1118	1097	1070	1087	1057	1048	1008	996	964	930	931	996	1035	1103
Depreciation	19	16	16	15	14	14	14	13	14	13	11	13	13	13	13	13	14	13	13	13
Profit before tax	855	668	760	688	711	616	605	554	560	440	507	447	342	367	340	311	224	254	291	315
Tax %	23	22	23	22	23	22	22	22	22	23	24	22	18	27	23	24	24	26	19	23
Net Profit	656	520	582	534	550	483	470	433	439	338	383	347	279	269	263	235	170	188	235	243
Net Profit Growth % (QoQ)	26.2%	-10.7%	9%	-2.9%	13.9%	2.8%	8.5%	-1.4%	29.9%	-11.7%	10.4%	24.4%	3.7%	2.3%	11.9%	38.2%	-9.6%	-20%	-3.3%	-
Net Profit Growth % (YoY)	19.3%	7.7%	23.8%	23.3%	25.3%	42.9%	22.7%	24.8%	57.3%	25.7%	45.6%	47.7%	64.1%	43.1%	11.9%	-3.3%	-	-	-	-
TTM Net Profit	2292	2186	2149	2037	1936	1825	1680	1593	1507	1347	1278	1158	1046	937	856	828	836	666	478	0
EPS in Rs	25.17	19.97	22.33	20.51	21.17	18.6	18.08	16.66	16.91	13.03	14.75	13.38	10.76	10.38	10.13	9.06	6.54	7.27	9.08	9.39

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018
Sales	8505	7685	7053	6527	6196	7604	8482	7679	5489
Sales Growth %	10.7%	9%	8%	5.4%	-18.5%	-10.4%	10.4%	39.9%	-
Expenses	468	598	789	1217	998	1253	1737	750	693
Operating Profit	3037	2535	2001	1410	1133	1250	870	1762	1258
OPM %	36	33	28	22	18	16	10	23	23
Other Income	1	6	4	2	5	16	7	4	0
Interest	5000	4552	4263	3900	4065	5101	5875	5167	3537
Depreciation	66	56	51	51	53	59	66	31	24
Profit before tax	2971	2486	1954	1361	1084	1207	811	1734	1235
Tax %	23	22	23	23	23	23	20	31	32
Net Profit	2291	1936	1508	1046	836	930	646	1192	841
Net Profit Growth %	18.3%	28.4%	44.2%	25.1%	-10.1%	44%	-45.8%	41.7%	-
EPS in Rs	87.94	74.49	58.06	40.31	32.28	35.96	25	46.29	32.86
Dividend Payout %	9	7	0	0	0	0	0	13	18

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018
Cash from Operating Activity	-8984	-8057	-4662	-1865	6254	6611	8928	-16617	-15664
Cash from Investing Activity	684	757	-1186	176	-1475	21	-63	-54	-50
Cash from Financing Activity	8720	7404	4179	301	-6732	-8178	-4386	17888	18464
Net Cash Flow	421	104	-1669	-1388	-1953	-1546	4480	1217	2751

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018
Equity Capital	261	261	260	260	260	169	169	168	168	167	167
Reserves	18959	17710	16603	15608	14715	10845	9703	8755	7830	7376	6401
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	3094	2618	3348	2295	2414	2238	2897	3077	3197	4466	2670
Total Liabilities	93512	85756	82520	75178	72405	66874	65730	71392	78930	83869	63014
Fixed Assets	279	259	239	220	207	146	150	181	251	103	76
CWIP	1	3	16	7	15	3	4	2	4	5	10
Investments	2779	3116	3381	3637	4346	3196	3483	2045	2076	4561	2413
Other Assets	90453	82378	78884	71314	67837	63528	62093	69164	76599	79200	60516
Total Assets	93512	85756	82520	75178	72405	66874	65730	71392	78930	83869	63014

OI Chart

Price

Delivery

#	Date	950 19% 1133	Value (Cr)	Q/T 28	Del 51	Del 80
1	22-Jul	1082	69	23	60	41
2	21-Jul	1094	64	18	47	30
3	20-Jul	1098	72	20	52	37
4	17-Jul	1100	51	12	51	26
5	16-Jul	1099	72	15	57	41
6	15-Jul	1104	56	18	45	26
7	14-Jul	1096	78	19	41	32
8	13-Jul	1122	105	23	42	44
9	10-Jul	1111	109	27	61	66
10	9-Jul	1084	90	20	43	38
11	8-Jul	1072	165	28	48	79
12	7-Jul	1110	249	39	59	146
13	6-Jul	1090	102	24	50	51
14	3-Jul	1064	133	25	54	72
15	2-Jul	1056	53	22	46	24
16	1-Jul	1052	89	24	56	49
17	30-Jun	1038	155	44	66	103
18	29-Jun	1034	103	28	51	52
19	25-Jun	1045	153	39	57	88
20	24-Jun	1046	67	20	39	26
21	23-Jun	1022	77	28	35	27
22	22-Jun	1010	49	18	47	23
23	19-Jun	1003	35	16	43	15
24	18-Jun	1004	26	19	49	13
25	17-Jun	1004	38	20	52	20
26	16-Jun	1018	46	20	55	26
27	15-Jun	1017	111	20	62	68
28	12-Jun	990	201	43	61	122
29	11-Jun	954	77	20	52	40
30	10-Jun	968	51	21	46	23
31	9-Jun	989	64	29	51	33
32	8-Jun	970	71	25	51	36
33	5-Jun	998	101	29	47	47
34	4-Jun	999	73	43	57	41
35	3-Jun	993	60	21	36	21
36	2-Jun	996	63	35	52	33
37	1-Jun	1003	68	25	44	30
38	29-May	1030	215	39	60	128
39	27-May	1078	58	20	56	32
40	26-May	1093	73	18	60	44
41	25-May	1086	129	26	50	64
42	22-May	1060	121	41	60	72
43	21-May	1056	99	28	60	59
44	20-May	1061	125	42	66	82
45	19-May	1064	78	44	67	52
46	18-May	1045	89	22	60	53
47	15-May	1069	56	22	51	29
48	14-May	1070	57	23	38	21

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	27,815c	289c	1.03
22-Jul	28,105c	248c	0.87
21-Jul	28,352c	310c	1.08
17-Jul	28,662c	73c	0.26
16-Jul	28,589c	310c	1.07
15-Jul	28,899c	289c	1.01
14-Jul	28,610c	571c	1.96
13-Jul	29,181c	409c	1.42
10-Jul	28,772c	487c	1.72
09-Jul	28,284c	245c	0.87
08-Jul	28,040c	912c	3.15
07-Jul	28,952c	547c	1.93
06-Jul	28,404c	1,019c	3.72
02-Jul	27,385c	128c	0.46
01-Jul	27,513c	347c	1.28
30-Jun	27,167c	91c	0.34
29-Jun	27,075c	133c	0.49
26-Jun	27,208c	295c	1.07
25-Jun	27,503c	245c	0.90
24-Jun	27,258c	553c	2.07
23-Jun	26,705c	375c	1.43
22-Jun	26,330c	164c	0.63
19-Jun	26,166c	78c	0.30
18-Jun	26,088c	83c	0.32
17-Jun	26,171c	412c	1.55
16-Jun	26,583c	55c	0.21
15-Jun	26,528c	730c	2.83
12-Jun	25,798c	667c	2.65
11-Jun	25,131c	534c	2.08
10-Jun	25,666c	0	0

Stock Checklist

Price is above from 52 week high low average: 68%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 420 fund scheme(s) across 45 fund house(s) as of Jul26 · Total value ₹26,415 Cr · 50 increasing / 79 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
Aditya Birla Sun Life Mutual Fund	20	6.12%	-	5513.4
SBI Mutual Fund	11	0.55%	-	2373.2
Nippon India Mutual Fund	18	1.43%	-	2285.9
Kotak Mahindra Mutual Fund	20	106.91%	+2.09%	2285.7
HSBC Mutual Fund	18	2.55%	-	1898.3
ICICI Prudential Mutual Fund	20	0.97%	+0.73%	1437.4
Sundaram Mutual Fund	18	7.24%	+2.09%	1418.2
Bandhan Mutual Fund	17	0.75%	+0.47%	1267.4
Franklin Templeton Mutual Fund	18	1.84%	-0.08%	1250.1
Canara Robeco Mutual Fund	14	1.95%	-	1179.8
HDFC Mutual Fund	18	1.48%	-0.05%	1125.4
DSP Mutual Fund	16	3.08%	-	1022.7
Tata Mutual Fund	14	1.18%	-	459.6
Axis Mutual Fund	26	1.54%	-	400.9
360 ONE Mutual Fund	10	2.57%	-	364.5
JM Financial Asset Management Limited	5	2.85%	+0.03%	300
Edelweiss Mutual Fund	8	1.60%	-	292.3
Helios Mutual Fund	10	1.48%	+0.01%	290.6
UTI Mutual Fund	7	2.47%	-	241.1
WhiteOak Capital Mutual Fund	20	25.35%	-0.04%	240.4
Union Mutual Fund	8	2.97%	-	228.3
Baroda BNP Paribas Mutual Fund	17	6.88%	-	165.8
JM Financial Mutual Fund	9	35.06%	-0.12%	162.7
Abakkus Mutual Fund	4	13.50%	-	122.3
Trust Mutual Fund	6	11.77%	+0.21%	77
Sundaram Asset Management Company Ltd	2	4.22%	+4.14%	68
ITI Mutual Fund	10	0.96%	-0.28%	37.2
Mahindra Manulife Mutual Fund	2	1.14%	-0.08%	10.3
PPFAS Mutual Fund	2	0.11%	-	5.3
Jio BlackRock Mutual Fund	2	0.53%	-	3.4
Groww Mutual Fund	4	0.55%	-	3.2
The Wealth Company Mutual Fund	2	1.06%	-	1.1
Navi Mutual Fund	6	1.23%	-	0.8
Shriram Mutual Fund	2	0.62%	-	0.6
Angel One Mutual Fund	2	0.08%	-	0.1
Zerodha Mutual Fund	1	0.46%	-0.07%	0
Bank of India Mutual Fund	2	2.43%	-	-2.2
Unifi Mutual Fund	4	-0.59%	-	-2.2
Bajaj Finserv Mutual Fund	2	0.10%	-0.03%	-2.5
NJ Mutual Fund	2	0.05%	-	-3.3
PGIM India Mutual Fund	2	3.04%	-	-5.9
Motilal Oswal Mutual Fund	12	-3.55%	-	-12.8
Mirae Asset Mutual Fund	6	0.11%	-	-16.2
ICICI Prudential Asset Management Company Limited	1	0.10%	+0.10%	-32.4
Invesco Mutual Fund	2	0.08%	-	-41

PNB Housing Finance Limited

Price Chart

Price Performance

Moving Average

PIVOT LEVEL

Competitors/Peers

Shareholding Pattern (%)

Quarterly Results

Profit and Loss

Cash Flows

Balance Sheet

OI Chart

Delivery

Daily Market Cap

Stock Checklist

Mutual Fund Holdings

Strategy Builder

Bulk Deals

Events

News

Exchange Filings

Annual Reports

Ratings & Research Reports

Concalls

Announcements