PNB Housing Finance Limited

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

1090 4(0%)

Near 52W High of 1142

Volume

7L as on 26, May

Open

1,092

High

850

Low

836

1,086

VWAP

1,090

52 Week High

1,142

52 Week Low

730

Viand Research Rating

Quality Score

00/00

Growth Score

00/00

Valuation Score

00/00

Momentum Score

00/00

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

28,391

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 Week3%

1 Month6%

3 Months29%

6 Months19%

1 Year5%

YTD11%

Moving Average

5 Day SMA1,071

10 Day SMA1,067

20 Day SMA1,062

30 Day SMA1,024

50 Day SMA933

61 Day SMA911

80 Day SMA895

200 Day SMA884

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,138	1,095	1,118	1,138
Resistance 2	1,118	1,092	1,105	1,118
Resistance 1	1,102	1,089	1,096	1,102
Pivot Point	1,082	1,086	1,082	1,083
Support 1	1,066	1,082	1,069	1,066
Support 2	1,047	1,079	1,060	1,047
Support 3	1,030	1,076	1,047	1,031

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	Div Yld %
1	HDFCBANK	12,11,614	787	2%	1%	22%	19%	16	0	0	0
2	ICICIBANK	9,24,275	1289	3%	3%	7%	11%	16	0	0	0
3	SBIN	8,95,185	970	2%	12%	1%	22%	12	0	0	0
4	BAJFINANCE	5,82,095	935	1%	1%	8%	2%	28	0	0	0
5	LICI	5,34,146	844	6%	6%	4%	2%	9	0	0	0
6	AXISBANK	4,05,648	1304	5%	5%	1%	9%	14	0	0	0
7	KOTAKBANK	3,87,315	389	2%	5%	81%	81%	20	0	0	0
8	BAJAJFINSV	2,89,972	1812	3%	2%	13%	11%	14	0	0	0
9	SHRIRAMFIN	2,26,801	964	3%	6%	11%	44%	19	0	0	0
10	SBILIFE	1,89,349	1888	0%	7%	7%	5%	77	0	0	0
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
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
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
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
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	737 50% 1105	Value (Cr)	Q/T 52	Del 41	Del 151
1	27-May	1078	58	20	56	32
2	26-May	1093	73	18	60	44
3	25-May	1086	129	26	50	64
4	22-May	1060	121	41	60	72
5	21-May	1056	99	28	60	59
6	20-May	1061	125	42	66	82
7	19-May	1064	78	44	67	52
8	18-May	1045	89	22	60	53
9	15-May	1069	56	22	51	29
10	14-May	1070	57	23	38	21
11	13-May	1063	97	21	49	48
12	12-May	1058	163	41	60	98
13	11-May	1073	85	22	50	43
14	8-May	1091	223	26	42	95
15	7-May	1052	82	28	56	46
16	6-May	1065	91	35	54	49
17	5-May	1042	93	35	54	50
18	4-May	1042	45	21	49	22
19	30-Apr	1046	148	48	46	68
20	29-Apr	1053	170	31	47	79
21	28-Apr	1044	90	33	49	44
22	27-Apr	1047	249	69	58	146
23	24-Apr	1034	326	47	38	125
24	23-Apr	1008	172	28	30	52
25	22-Apr	990	389	60	41	160
26	21-Apr	979	1967	85	15	292
27	20-Apr	907	140	46	31	44
28	17-Apr	924	196	35	43	85
29	16-Apr	894	174	60	42	74
30	15-Apr	867	127	35	57	72
31	13-Apr	847	68	28	44	30
32	10-Apr	865	35	27	29	10
33	9-Apr	863	60	27	43	26
34	8-Apr	873	92	27	39	36
35	7-Apr	817	34	20	38	13
36	6-Apr	817	66	32	38	25
37	2-Apr	784	82	40	45	37
38	1-Apr	780	99	46	48	48
39	30-Mar	755	112	24	51	57
40	27-Mar	795	75	18	50	38
41	25-Mar	803	131	42	59	77
42	24-Mar	782	67	28	37	25
43	23-Mar	751	94	28	53	50
44	20-Mar	792	99	41	58	57

Daily Market Cap

Date	Total Market Cap	Change	Chg %
26-May	28,391c	141c	0.50
25-May	28,251c	824c	3.00
22-May	27,427c	219c	0.79
21-May	27,646c	41c	0.15
20-May	27,605c	91c	0.33
19-May	27,696c	430c	1.58
18-May	27,267c	443c	1.60
15-May	27,709c	91c	0.33
14-May	27,801c	334c	1.21
13-May	27,467c	63c	0.23
12-May	27,530c	565c	2.01
11-May	28,095c	724c	2.65
07-May	27,371c	10c	0.04
06-May	27,381c	143c	0.53
05-May	27,238c	182c	0.67
04-May	27,420c	496c	1.84
30-Apr	26,924c	564c	2.05
29-Apr	27,488c	156c	0.57
28-Apr	27,332c	612c	2.29
24-Apr	26,719c	460c	1.75
23-Apr	26,260c	464c	1.80
22-Apr	25,796c	288c	1.13
21-Apr	25,508c	1,342c	5.55
17-Apr	24,166c	1,802c	8.06
15-Apr	22,364c	0	0

Stock Checklist

Price is above from 52 week high low average: 75%

Stock is trading above all short term SMAs: YES

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

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