What the business is, and whether it's a good one at a fair price.
Lends against residential property, with a near-totally retail loan book of ₹86,946 crore out of a total ₹87,347 crore as of 31 March 2026. The affordable and emerging-cities segment accounts for 40% of the retail book, up from 37% a year earlier, and the company is targeting 50% within two years. It re-entered corporate housing finance in Q4 FY26 with ₹335 crore of disbursements, and plans to scale that to roughly 3% of the book in FY27 at 11.5-12% yields. Funding comes from bank loans of ₹18,600 crore, fixed deposits of ₹18,055 crore, and non-convertible debentures, including a recent ₹500 crore allotment at 7.83% and a proposed ₹10,000 crore NCD programme. Operating costs are dominated by employee expense (5.7% of revenue) and other operating expense (4.2%); with negligible materials, the EBITDA margin prints 94.5% because revenue is essentially net interest income. Asset quality is tight: GNPA at 0.93%, with ₹332 crore of recoveries from written-off accounts in FY26 producing a negative credit cost of -45 bps, and credit ratings were upgraded to AAA in FY26.
Measured from the filed financials, judged against its Housing Finance Company peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from PNB HOUSING FIN LTD.'s filed financials and exchange disclosures
PNB HOUSING FIN LTD. is a Finance company listed on NSE and BSE, trading under the symbol PNBHOUSING.
Yes. Over the trailing twelve months PNB HOUSING FIN LTD. reported a net profit of ₹2,315 Cr on revenue of ₹8,692 Cr.
Yes. The dividend yield is 0.42% at the current price. It paid out 6% of its profit as dividend in FY26.
Effectively yes. It holds ₹2,483 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, PNB HOUSING FIN LTD. ranks 9 of 17 in Housing Finance Company — cheaper than 50% of them, against an industry median of 13.3×. This is a position, not a valuation judgement.
On a typical session PNB HOUSING FIN LTD. moves 1.16% — that is the median absolute close-to-close move across its last 268 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by PNB HOUSING FIN LTD. appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
