- Next results date: the board meets on 28 Oct 2026 to consider: financial results.
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies.
- ₹28,404 Cr313th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. The filing of 4 Aug 2026
- 12.3
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 20 Apr 2026
- 1.5
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 0.73%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it. The filing of 4 Aug 2026
- 12.8%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 3.67%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 7.49%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- −0.48%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026.
- 2.60%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 4.88times net worth
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day.
- 6,08,99247.6% delivered
Results
Standalone, as consolidated accounts are on record for only 9 of the last ten years; ₹ crore, the charts by years to March, the table by quarter. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.Quarterly results
Quarter to Jun 2026, against the quarter beforeFiled 4 Aug
- Income from operationsIncome from operations. The pill is the change in income from operations against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹2,253 Crup 3.81%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹555 Crdown 14.52%
Income from operations by year
Net profit by year, a loss in red
| ₹ crore | Sep 2024Filed 28 Oct | Dec 2024Filed 23 Jan | Mar 2025Filed 28 Apr | Jun 2025Filed 21 Jul | Sep 2025Filed 27 Oct | Dec 2025Filed 21 Jan | Mar 2026Filed 20 Apr | Jun 2026Filed 4 Aug |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 1,868 | 1,923 | 2,030 | 2,064 | 2,168 | 2,110 | 2,170 | 2,253 |
| Net profit | 472 | 471 | 567 | 532 | 626 | 521 | 649 | 555 |
Business segments
In the year to Mar 2026 the company reports one business segment, HOUSING FINANCE, which carries all its revenue.
Valuation
Today, against the company's own history. Not shown, EV/EBITDA: not used for a lender or an insurer.PE ratio and valuation history
At or below today's level on 50% of 2,250 trading days since Aug 2017.
At or below today's level on 78% of 1,736 trading days since Jan 2019.
At or below today's level on 81% of 2,397 trading days since Jan 2017.
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −13.3% | +19.2% | −28.1% | 1.1% |
| 3 years | +14.3% | +12.6% | +1.0% | 0.5% |
| 5 years | +15.4% | +10.2% | +4.4% | 0.3% |
Mutual funds holding it
212 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 66 of the 97 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future. 2 more funds filed their first portfolio on record, holding it.Mutual fund holdings
- Bought for the first timeBought for the first time. Funds that held it at the month's end and had not held it in any month on record before.
- 5
- Bought againBought again. Funds that held it at the month's end, had not held it the month before, and held it in an earlier month.
- 6
- AddedAdded. Funds that held more shares than at the end of the month before.
- 46
- CutCut. Funds that held fewer shares than at the end of the month before.
- 51
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 102
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end.
- 4
| Fund | |||
|---|---|---|---|
 ICICI Prudential Focused FundICICI Prudential Mutual Fund | 47,95,584 | 3.13% | ₹537.1 Cr |
 Nippon India Small Cap FundNippon India Mutual Fund | 47,48,659 | 0.66% | ₹531.8 Cr |
 Bandhan Small Cap FundBandhan Mutual Fund | 42,19,119 | 1.32% | ₹472.5 Cr |
 Aditya Birla Sun Life Large Cap FundAditya Birla Sun Life Mutual Fund | 35,73,786 | 1.43% | ₹400.3 Cr |
 HSBC Value FundHSBC Mutual Fund | 35,57,400 | 2.72% | ₹398.4 Cr |
 Axis Small Cap FundAxis Mutual Fund | 33,83,228 | 1.24% | ₹378.9 Cr |
| HSBC Small Cap FundHSBC Mutual Fund | 32,34,387 | 1.96% | ₹362.3 Cr |
 Canara Robeco Small Cap FundCanara Robeco Mutual Fund | 26,24,055 | 2.10% | ₹293.9 Cr |
 DSP Small Cap FundDSP Mutual Fund | 25,47,873 | 1.33% | ₹285.4 Cr |
 HDFC Multi Cap FundHDFC Mutual Fund | 24,00,000 | 1.38% | ₹268.8 Cr |
Peers and competitors
Housing Finance Company, 19 listed companies, priced on 23 Oct 2026. The table lists the 8 companies closest to PNB Housing Finance in market cap.
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
 Bajaj Housing FinanceBAJAJHFL | 64,534 | 23.0 | 2.7 | +17.2% | +18.9% | 12.4% | 2.23% | 3.29% | 0.00% |
 LIC Housing FinanceLICHSGFIN | 26,953 | 4.7 | 0.7 | +0.4% | +4.3% | 14.8% | 1.75% | 2.68% | 2.04% |
 Aadhar Housing FinanceAADHARHFC | 19,294 | 16.9 | 2.6 | +17.7% | +20.2% | 16.4% | 4.33% | 8.09% | 0.00% |
 Sammaan CapitalSAMMAANCAP | 13,391 | – | 0.7 | −17.1% | – | −35.5% | −9.89% | −0.06% | 0.00% |
 Home First Finance Company IndiaHOMEFIRST | 10,477 | 18.0 | 2.4 | +21.3% | +40.3% | 16.9% | 3.95% | 6.99% | 0.52% |
 Aptus Value Housing Finance IndiaAPTUS | 9,840 | 10.0 | 1.9 | +22.9% | +23.3% | 21.0% | 7.76% | 11.34% | 2.29% |
 Can Fin HomesCANFINHOME | 9,421 | 8.2 | 1.5 | +7.9% | +25.1% | 19.4% | 2.54% | 3.84% | 2.12% |
 Aavas FinanciersAAVAS | 8,834 | 12.9 | 1.7 | +13.3% | +17.0% | 14.6% | 3.29% | 6.75% | 0.00% |
Dividends
Per share, by the year it was paid for, and the latest payments.Dividend history and dates
Dividend per share, ₹, restated for later splits and bonuses
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up.| Ex-date | Type | Per share |
|---|---|---|
| 31 Jul 2026 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹8.00 |
| 1 Aug 2025 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹5.00 |
| 19 Jul 2019 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹9.00 |
| 19 Jul 2018 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹9.00 |
| 25 Jul 2017 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹6.00 |
Latest announcements
Routine notices left out.Share news and announcements
Oct 2026
23 Oct · Business
6 Oct · Rating
Sep 2026
25 Sep · Rating
PNB Housing Finance share price by year
Each calendar year to 2025.PNB Housing Finance share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 951.50 | +8.4% | 1,126.20 | 753.60 |
| 2024 | 877.70 | +12.4% | 1,137.05 | 611.85 |
| 2023 | 780.75 | +46.3% | 819.95 | 411.55 |
| 2022 | 533.55 | +7.7% | 533.55 | 312.80 |
| 2021 | 495.35 | +35.9% | 881.40 | 335.35 |
| 2020 | 364.40 | −16.1% | 570.80 | 148.90 |
| 2019 | 434.20 | −53.0% | 979.65 | 380.00 |
| 2018 | 923.45 | −31.1% | 1,419.65 | 700.65 |
| 2017 | 1,340.35 | +59.5% | 1,687.60 | 803.30 |
| 2016 | 840.10 | – | 977.95 | 797.70 |
Recent sessions
The last 10 trading days to 23 Oct 2026, as traded on NSE.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 23 Oct 2026 | 1,132.70 | 1,137.60 | 1,074.60 | 1,089.10 | 1,094.22 | 6,08,992 | 47.6% |
| 22 Oct 2026 | 1,132.00 | 1,146.80 | 1,119.80 | 1,138.50 | 1,132.21 | 2,71,383 | 31.1% |
| 21 Oct 2026 | 1,147.90 | 1,168.50 | 1,140.40 | 1,146.00 | 1,152.19 | 6,11,588 | 51.9% |
| 19 Oct 2026 | 1,168.50 | 1,174.20 | 1,146.70 | 1,147.90 | 1,155.08 | 3,52,954 | 50.8% |
| 16 Oct 2026 | 1,187.90 | 1,187.90 | 1,162.30 | 1,167.70 | 1,169.48 | 4,70,090 | 50.8% |
| 15 Oct 2026 | 1,200.00 | 1,207.70 | 1,175.40 | 1,183.90 | 1,185.60 | 4,62,065 | 51.7% |
| 14 Oct 2026 | 1,220.90 | 1,220.90 | 1,198.80 | 1,200.00 | 1,206.93 | 7,35,608 | 55.7% |
| 13 Oct 2026 | 1,205.00 | 1,224.80 | 1,191.60 | 1,224.80 | 1,208.37 | 10,30,037 | 40.5% |
| 12 Oct 2026 | 1,162.00 | 1,205.90 | 1,162.00 | 1,200.00 | 1,198.83 | 18,08,660 | 51.1% |
| 9 Oct 2026 | 1,155.00 | 1,174.60 | 1,152.50 | 1,158.00 | 1,161.52 | 8,33,012 | 42.1% |
Price adjustments
What the price chart is corrected for, so it reads as one share held throughout.Rights issue and offer for sale history
| Ex-date | Event | Price factor | What happened |
|---|---|---|---|
| 5 Apr 2023 | Rights issue | – | Shareholders were offered new shares. Noted, not adjusted for. |
About PNB Housing Finance
PNB Housing Finance Limited is a housing finance company. It lends to individuals and corporate bodies for the purchase, construction, repair and upgradation of houses. It also provides loans for commercial space, loans against property and loans for the purchase of residential plots. It is a deposit-taking company registered with the National Housing Bank, and its customers include people in Tier 2 and Tier 3 cities.
The company began as a housing-focused lender and has widened its portfolio to finance commercial real estate, residential realty and loans against property. Its loan portfolio is organised into three segments: Prime, Emerging Markets and Affordable Housing, the last of which carries the Roshni name. It offers both housing and non-housing loans. A wholly owned subsidiary, PHFL Home Loans and Services Limited, works as a distribution arm and provides doorstep services to prospective customers.
The company operates only in India, across 21 states, with 392 branches as on 31 March 2026. It has no operations in any other country. Its customers are served through a network of branches and digital channels across the country.
It was incorporated in 1988 and made its initial public offering in November 2016. Its equity shares are listed on the National Stock Exchange and BSE Limited. The company is backed by Punjab National Bank, which is its promoter. A promoter is the person or group that set up a company or controls it.
- Legal name
- PNB Housing Finance Limited
- NSE symbol
- PNBHOUSING
- BSE code
- 540173
- ISIN
- INE572E01012
- Industry
- Finance
- Listed
- Nov 2016
- Face value
- ₹10
- CIN
- L65922DL1988PLC033856
- Corporate identity number, the registrar of companies' code for it