PNB Housing Finance Limited

Web: pnbhousing.com NSE: PNBHOUSING BSE: 540173 SECTOR: Financial Services - Finance | Add Note | View Notes

1177 32(3%)

Near 52W High of 1212

Volume

4L as on 03, Sep

Open

1,148

High

1,148

Low

1,125

1,146

VWAP

1,149

52 Week High

1,212

52 Week Low

730

Viand Research Rating

Quality Score

39/100

Growth Score

14/100

Valuation Score

50/100

Momentum Score

50/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

30,697

No. of Shares

26.1

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

28.03%

FII Holding

16.81%

DII Holding

45.71%

Price Chart

Price Performance

1 Week3%

1 Month5%

3 Months15%

6 Months41%

1 Year46%

YTD16%

Moving Average

5 Day SMA1,151

10 Day SMA1,164

20 Day SMA1,160

30 Day SMA1,133

50 Day SMA1,112

61 Day SMA1,092

80 Day SMA1,079

200 Day SMA968

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,173	1,147	1,161	1,180
Resistance 2	1,161	1,145	1,152	1,164
Resistance 1	1,151	1,143	1,147	1,157
Pivot Point	1,138	1,141	1,138	1,141
Support 1	1,128	1,139	1,130	1,135
Support 2	1,116	1,137	1,124	1,119
Support 3	1,106	1,135	1,116	1,112

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,02,653	712	1%	6%	20%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,335	1423	1%	2%	4%	2%	16	40.9	0	57936
3	SBIN	9,43,185	1016	2%	2%	14%	26%	11	40.9	0	86666
4	BAJFINANCE	6,57,612	1060	3%	9%	7%	12%	28	40.9	0	19332
5	LICI	5,29,086	418	1%	3%	50%	53%	9	40.9	0	57453
6	KOTAKBANK	4,23,124	424	1%	6%	2%	78%	20	40.9	0	19288
7	AXISBANK	3,96,596	1273	1%	0%	8%	21%	15	40.9	0	26548
8	BAJAJFINSV	3,16,023	1970	1%	5%	3%	1%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,44,475	1041	5%	4%	1%	78%	21	40.9	0	10024
10	SBILIFE	1,76,519	1775	3%	10%	16%	4%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Jun 2026	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) 28.03%	(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	(0.21) 16.81%	(-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	(1.61) 45.71%	(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%	0.02%	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	9.42%	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	171,742	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

	Jun 2026	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	2263	2182	2119	2128	2076	2022	1942	1879	1823	1810	1755	1778	1708	1636	1797	1684	1411	1425	1495	1583	1692
Sales Growth % (YoY)	9%	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)	3.7%	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	192	52	183	88	145	133	155	143	168	170	216	204	201	275	421	366	158	257	233	247	262
Operating Profit	733	883	683	773	697	711	629	618	559	570	452	517	459	353	379	355	323	237	267	302	327
OPM %	32	40	32	36	34	35	32	33	31	31	26	29	27	22	21	21	23	17	18	19	19
Other Income	2	-10	2	3	6	15	1	1	9	4	1	2	0	2	0	-1	1	0	0	3	1
Interest	1339	1246	1253	1267	1234	1178	1158	1118	1097	1070	1087	1057	1048	1008	996	964	930	931	996	1035	1103
Depreciation	16	19	16	16	15	14	14	14	13	14	13	11	13	13	13	13	13	14	13	13	13
Profit before tax	718	855	668	760	688	711	616	605	554	560	440	507	447	342	367	340	311	224	254	291	315
Tax %	22	23	22	23	22	23	22	22	22	22	23	24	22	18	27	23	24	24	26	19	23
Net Profit	557	656	520	582	534	550	483	470	433	439	338	383	347	279	269	263	235	170	188	235	243
Net Profit Growth % (QoQ)	-15.1%	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)	4.3%	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	2315	2292	2186	2149	2037	1936	1825	1680	1593	1507	1347	1278	1158	1046	937	856	828	836	666	478	0
EPS in Rs	21.39	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	8494	7685	7053	6527	6196	7604	8482	7679	5489
Sales Growth %	10.5%	9%	8%	5.4%	-18.5%	-10.4%	10.4%	39.9%	-
Expenses	467	598	789	1217	998	1254	1737	750	693
Operating Profit	3027	2535	2001	1410	1133	1250	870	1762	1258
OPM %	36	33	28	22	18	16	10	23	23
Other Income	10	6	4	2	5	16	7	4	0
Interest	5001	4552	4263	3900	4065	5100	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	6792	8928	-16617	-15664
Cash from Investing Activity	684	757	-1186	176	-1475	-6	-63	-54	-50
Cash from Financing Activity	8720	7404	4179	301	-6732	-8332	-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	274	259	239	220	207	146	150	181	251	103	76
CWIP	6	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

Delivery

Delivery Data: PNBHOUSING

#	Date	1024 18% 1212	Value (Cr)	Q/T 41	Del 45	Del 79
1	4-Sep	1166	109	27	45	49
2	3-Sep	1146	47	20	64	30
3	2-Sep	1141	51	19	48	24
4	1-Sep	1152	255	70	25	64
5	31-Aug	1149	74	24	54	40
6	28-Aug	1170	51	24	56	29
7	27-Aug	1178	46	14	54	25
8	26-Aug	1185	108	27	31	34
9	25-Aug	1182	78	35	52	41
10	24-Aug	1165	59	28	48	28
11	21-Aug	1170	75	34	54	41
12	20-Aug	1176	269	39	46	124
13	19-Aug	1174	145	35	54	78
14	18-Aug	1146	85	27	67	57
15	17-Aug	1151	30	12	41	12
16	14-Aug	1150	24	12	50	12
17	13-Aug	1165	64	13	46	29
18	12-Aug	1158	101	19	49	49
19	11-Aug	1142	44	21	49	21
20	10-Aug	1149	139	30	44	61
21	7-Aug	1143	168	35	55	92
22	6-Aug	1150	223	40	31	70
23	5-Aug	1122	577	46	24	137
24	4-Aug	1080	151	29	41	61
25	3-Aug	1090	129	25	47	61
26	31-Jul	1053	117	27	44	51
27	30-Jul	1033	93	22	51	48
28	29-Jul	1056	53	26	56	29
29	28-Jul	1069	105	20	53	55
30	27-Jul	1078	100	27	50	50
31	24-Jul	1058	45	19	39	18
32	23-Jul	1067	38	25	48	18
33	22-Jul	1082	69	23	60	41
34	21-Jul	1094	64	18	47	30
35	20-Jul	1098	72	20	52	37
36	17-Jul	1100	51	12	51	26
37	16-Jul	1099	72	15	57	41
38	15-Jul	1104	56	18	45	26
39	14-Jul	1096	78	19	41	32
40	13-Jul	1122	105	23	42	44
41	10-Jul	1111	109	27	61	66
42	9-Jul	1084	90	20	43	38
43	8-Jul	1072	165	28	48	79
44	7-Jul	1110	249	39	59	146
45	6-Jul	1090	102	24	50	51
46	3-Jul	1064	133	25	54	72
47	2-Jul	1056	53	22	46	24
48	1-Jul	1052	89	24	56	49
49	30-Jun	1038	155	44	66	103
50	29-Jun	1034	103	28	51	52

Daily Market Cap

Date	Total Market Cap	Change	Chg %
04-Sep	30,697c	756c	2.53
03-Sep	29,940c	172c	0.58
01-Sep	29,768c	376c	1.25
31-Aug	30,144c	579c	1.88
27-Aug	30,723c	340c	1.09
26-Aug	31,062c	774c	2.56
25-Aug	30,288c	70c	0.23
24-Aug	30,359c	511c	1.65
21-Aug	30,870c	276c	0.90
19-Aug	30,593c	735c	2.46
18-Aug	29,858c	130c	0.43
17-Aug	29,989c	8c	0.03
14-Aug	29,981c	453c	1.49
13-Aug	30,434c	268c	0.89
12-Aug	30,166c	209c	0.70
11-Aug	29,957c	8c	0.03
10-Aug	29,950c	164c	0.55
07-Aug	29,785c	420c	1.39
06-Aug	30,205c	2,061c	7.32
04-Aug	28,144c	899c	3.30
31-Jul	27,245c	336c	1.25
30-Jul	26,909c	727c	2.63
29-Jul	27,636c	323c	1.16
28-Jul	27,959c	78c	0.28
27-Jul	28,037c	388c	1.40
24-Jul	27,649c	0	0

Stock Checklist

Price is above from 52 week high low average: 93%

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: YES

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 442 fund scheme(s) across 45 fund house(s) as of Aug26 · Total value ₹28,736 Cr · 151 increasing / 200 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
SBI Mutual Fund	15	1.03%	+0.44%	4055.9
Aditya Birla Sun Life Mutual Fund	22	0.92%	-0.82%	3627.9
Kotak Mahindra Mutual Fund	18	0.51%	-0.34%	2440.1
Bandhan Mutual Fund	22	0.91%	+0.28%	1917.8
HSBC Mutual Fund	18	1.80%	-0.18%	1826.4
ICICI Prudential Mutual Fund	22	0.64%	-0.02%	1511.4
Edelweiss Mutual Fund	17	0.91%	+1.45%	1462.5
DSP Mutual Fund	16	0.85%	+0.18%	1458.8
Nippon India Mutual Fund	15	0.40%	-0.03%	1329
Canara Robeco Mutual Fund	14	1.45%	-0.03%	1274.7
HDFC Mutual Fund	18	0.67%	-0.01%	1168.5
Axis Mutual Fund	28	0.90%	+0.50%	1155.3
Franklin Templeton Mutual Fund	18	1.24%	-0.08%	1100.8
Sundaram Mutual Fund	18	1.35%	-1.10%	1025.4
360 ONE Mutual Fund	10	2.44%	+0.79%	527.9
Motilal Oswal Mutual Fund	22	1.65%	+2.76%	509.3
Tata Mutual Fund	10	1.08%	+0.55%	468.8
UTI Mutual Fund	6	0.67%	+1.20%	333.7
Helios Mutual Fund	10	1.32%	-0.11%	292.9
Baroda BNP Paribas Mutual Fund	21	1.75%	+2.36%	277.8
WhiteOak Capital Mutual Fund	20	0.40%	-0.04%	241.8
Abakkus Mutual Fund	4	1.47%	-0.22%	230.9
JM Financial Asset Management Limited	4	2.61%	-0.45%	198
JM Financial Mutual Fund	7	2.41%	-0.40%	156.4
Union Mutual Fund	4	0.93%	+0.55%	86.2
Trust Mutual Fund	6	1.33%	-0.43%	77.4
Sundaram Asset Management Company Ltd	2	3.92%	-0.13%	68.5
ITI Mutual Fund	8	1.07%	+0.01%	41.6
Mahindra Manulife Mutual Fund	2	1.14%	-	10.3
Jio BlackRock Mutual Fund	2	0.68%	-0.07%	3.8
Groww Mutual Fund	4	0.31%	-0.06%	3.2
Navi Mutual Fund	6	0.75%	+0.29%	1.2
Shriram Mutual Fund	2	0.60%	-0.02%	0.6
Angel One Mutual Fund	2	0.10%	+0.01%	0.1
Zerodha Mutual Fund	1	0.50%	-	0
Bajaj Finserv Mutual Fund	2	0.00%	-0.10%	0
The Wealth Company Mutual Fund	4	-0.11%	-0.48%	-0.3
NJ Mutual Fund	2	-0.02%	-0.03%	-1.1
Unifi Mutual Fund	4	-0.07%	-0.14%	-1.8
Bank of India Mutual Fund	2	-3.52%	-0.15%	-2.2
Mirae Asset Mutual Fund	6	-0.02%	-0.06%	-3
PPFAS Mutual Fund	2	-0.15%	-0.01%	-5.3
PGIM India Mutual Fund	2	-5.96%	+0.50%	-6.7
ICICI Prudential Asset Management Company Limited	2	-0.03%	+0.02%	-8.7
Invesco Mutual Fund	2	-0.26%	+0.12%	-119.9

PNB Housing Finance Limited

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