Nifty
Sensex
:
:
25050.55
81857.84
69.90 (0.28%)
213.45 (0.26%)

Finance - Housing

Rating :
59/99

BSE: 540173 | NSE: PNBHOUSING

808.45
20-Aug-2025
  • Open
  • High
  • Low
  • Previous Close
  •  817.7
  •  819.95
  •  803.1
  •  817.70
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  2732430
  •  2214341611.9
  •  1202.2
  •  746.7

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 21,066.68
  • 10.34
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 79,776.16
  • 0.62%
  • 1.21

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 28.08%
  • 1.23%
  • 7.51%
  • FII
  • DII
  • Others
  • 24.18%
  • 34.64%
  • 4.36%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 10.96
  • 0.15
  • 5.50

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 11.32
  • 1.79
  • 10.64

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 19.56
  • 15.80
  • 22.78

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 11.96
  • 13.66

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 1.08
  • 1.25

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 10.11
  • 9.69

Earnings Forecasts:

(Updated: 06-06-2025)
Description
2024
2025
2026
2027
Adj EPS
58.81
75.02
84.98
98.14
P/E Ratio
13.75
10.78
9.51
8.24
Revenue
7014
7633
3723
4527
EBITDA
6275
7076
2922
3634
Net Income
1527
1949
2207
2549
ROA
2.2
2.5
2.5
2.4
P/B Ratio
1.41
1.25
1.11
0.99
ROE
11.8
12.27
12.29
12.59
FCFF
-4683
-8106
FCFF Yield
-5.45
-9.44
Net Debt
34760
58844
BVPS
574.93
647.81
725.35
814.59

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Net Sales
2,076.11
1,823.06
13.88%
2,021.85
1,809.95
11.71%
1,941.76
1,754.75
10.66%
1,878.68
1,777.75
5.68%
Expenses
144.88
167.62
-13.57%
133.21
170.28
-21.77%
155.16
216.03
-28.18%
142.58
203.66
-29.99%
EBITDA
1,931.23
1,655.44
16.66%
1,888.64
1,639.67
15.18%
1,786.60
1,538.72
16.11%
1,736.10
1,574.09
10.29%
EBIDTM
93.02%
90.81%
93.41%
90.59%
92.01%
87.69%
92.41%
88.54%
Other Income
5.76
9.02
-36.14%
14.93
4.02
271.39%
1.35
1.25
8.00%
0.98
1.65
-40.61%
Interest
1,234.37
1,096.93
12.53%
1,178.05
1,069.70
10.13%
1,157.92
1,086.62
6.56%
1,118.50
1,057.30
5.79%
Depreciation
14.70
13.35
10.11%
14.31
14.18
0.92%
14.38
13.05
10.19%
13.85
11.33
22.24%
PBT
687.92
554.18
24.13%
711.21
559.81
27.04%
615.65
440.30
39.83%
604.73
507.11
19.25%
Tax
154.42
121.37
27.23%
160.83
120.56
33.40%
132.38
101.86
29.96%
135.05
124.11
8.81%
PAT
533.50
432.81
23.26%
550.38
439.25
25.30%
483.27
338.44
42.79%
469.68
383.00
22.63%
PATM
25.70%
23.74%
27.22%
24.27%
24.89%
19.29%
25.00%
21.54%
EPS
20.51
16.66
23.11%
21.17
16.91
25.19%
18.60
13.03
42.75%
18.08
14.75
22.58%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Net Sales
7,918.40
7,665.35
7,050.08
6,527.33
6,195.93
7,608.63
8,482.31
7,679.32
5,488.71
Net Sales Growth
10.51%
8.73%
8.01%
5.35%
-18.57%
-10.30%
10.46%
39.91%
 
Cost Of Goods Sold
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
7,918.40
7,665.35
7,050.08
6,527.33
6,195.93
7,608.63
8,482.31
7,679.32
5,488.71
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
575.83
728.42
972.22
2,343.45
999.03
1,261.83
1,737.69
750.26
693.60
Power & Fuel Cost
-
9.51
9.35
8.73
7.45
7.04
0.00
0.00
0.00
% Of Sales
-
0.12%
0.13%
0.13%
0.12%
0.09%
0%
0%
0%
Employee Cost
-
421.47
337.34
265.96
216.61
211.29
233.06
303.88
144.14
% Of Sales
-
5.50%
4.78%
4.07%
3.50%
2.78%
2.75%
3.96%
2.63%
Manufacturing Exp.
-
142.95
131.35
84.94
66.69
67.91
38.18
116.62
130.30
% Of Sales
-
1.86%
1.86%
1.30%
1.08%
0.89%
0.45%
1.52%
2.37%
General & Admin Exp.
-
161.63
125.76
108.57
106.76
60.99
131.84
123.35
122.96
% Of Sales
-
2.11%
1.78%
1.66%
1.72%
0.80%
1.55%
1.61%
2.24%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
2.37
377.77
1,883.98
608.97
921.64
1,334.61
206.41
296.20
% Of Sales
-
0.03%
5.36%
28.86%
9.83%
12.11%
15.73%
2.69%
5.40%
EBITDA
7,342.57
6,936.93
6,077.86
4,183.88
5,196.90
6,346.80
6,744.62
6,929.06
4,795.11
EBITDA Margin
92.73%
90.50%
86.21%
64.10%
83.88%
83.42%
79.51%
90.23%
87.36%
Other Income
23.02
156.49
190.28
1,128.43
5.31
20.16
7.71
3.90
0.63
Interest
4,688.84
4,551.76
4,263.05
3,899.96
4,064.86
5,100.92
5,875.47
5,167.20
3,537.03
Depreciation
57.24
55.89
51.19
51.44
53.39
59.01
65.85
31.37
24.13
PBT
2,619.51
2,485.77
1,953.90
1,360.91
1,083.96
1,207.03
811.01
1,734.39
1,234.58
Tax
582.68
549.63
445.89
314.91
247.48
277.13
164.77
542.87
393.43
Tax Rate
22.24%
22.11%
22.82%
23.14%
22.83%
22.96%
20.32%
31.30%
31.87%
PAT
2,036.83
1,936.14
1,508.01
1,046.00
836.48
929.90
646.24
1,191.52
841.15
PAT before Minority Interest
2,036.83
1,936.14
1,508.01
1,046.00
836.48
929.90
646.24
1,191.52
841.15
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
25.72%
25.26%
21.39%
16.02%
13.50%
12.22%
7.62%
15.52%
15.33%
PAT Growth
27.82%
28.39%
44.17%
25.05%
-10.05%
43.89%
-45.76%
41.65%
 
EPS
78.31
74.44
57.98
40.22
32.16
35.75
24.85
45.81
32.34

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Shareholder's Funds
16,863.13
14,974.44
11,013.86
9,871.63
8,923.03
7,997.77
7,543.90
6,567.34
Share Capital
259.93
259.72
168.86
168.60
168.27
168.19
167.47
166.59
Total Reserves
16,552.26
14,668.17
10,794.79
9,647.49
8,681.47
7,762.26
7,320.32
6,373.41
Non-Current Liabilities
40,706.02
33,228.72
47,109.52
45,576.54
50,714.02
60,497.96
56,391.21
39,108.82
Secured Loans
27,872.32
20,251.63
28,382.12
28,241.91
35,354.67
45,531.59
42,854.10
28,282.37
Unsecured Loans
12,023.54
12,275.33
18,851.63
17,678.13
15,513.27
15,010.86
13,219.67
10,529.04
Long Term Provisions
771.08
531.81
17.72
17.33
18.39
16.94
24.92
16.84
Current Liabilities
25,532.62
24,591.61
8,701.40
10,242.37
11,325.52
10,148.06
19,872.89
17,730.80
Trade Payables
17.54
19.74
30.25
16.29
17.82
86.92
127.16
119.60
Other Current Liabilities
3,097.88
2,076.21
2,186.77
2,825.16
2,720.27
2,866.49
3,960.31
2,206.06
Short Term Borrowings
22,413.75
22,489.63
6,387.63
7,041.09
8,524.50
7,192.65
15,785.08
14,965.29
Short Term Provisions
3.45
6.03
96.75
359.83
62.93
2.00
0.34
439.85
Total Liabilities
83,101.77
72,794.77
66,824.78
65,690.54
70,962.57
78,643.79
83,808.00
63,406.96
Net Block
238.67
206.27
145.79
149.87
317.75
457.09
233.66
254.25
Gross Block
490.03
440.42
401.05
362.83
478.40
571.86
286.91
277.83
Accumulated Depreciation
251.36
234.15
255.26
212.96
160.65
114.77
53.25
23.58
Non Current Assets
78,363.72
67,933.94
60,335.51
57,748.62
62,928.65
69,066.93
78,839.08
58,629.87
Capital Work in Progress
16.14
15.25
3.16
3.54
2.38
4.06
5.17
9.69
Non Current Investment
2,427.83
2,429.45
2,316.92
2,234.23
1,941.84
1,953.34
4,291.01
1,183.29
Long Term Loans & Adv.
760.05
702.78
17.33
17.06
16.47
18.74
18.75
16.49
Other Non Current Assets
275.20
471.44
12.00
7.45
5.49
5.68
2.61
1.35
Current Assets
4,738.05
4,860.83
6,489.27
7,833.09
8,033.92
9,576.86
4,968.92
4,777.09
Current Investments
953.09
1,916.56
879.37
1,248.47
102.98
122.95
270.22
1,230.23
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
49.56
51.45
12.87
42.80
44.94
44.90
38.88
0.33
Cash & Bank
3,600.13
2,606.93
3,796.20
5,216.09
6,968.63
8,514.39
4,034.07
2,816.98
Other Current Assets
135.27
285.89
1,397.35
899.10
917.37
894.62
625.75
729.55
Short Term Loans & Adv.
0.00
0.00
403.48
426.63
5.49
64.23
120.62
503.05
Net Current Assets
-20,794.57
-19,730.78
-2,212.13
-2,409.28
-3,291.60
-571.20
-14,903.97
-12,953.71
Total Assets
83,101.77
72,794.77
66,824.78
65,581.71
70,962.57
78,643.79
83,808.00
63,406.96

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Cash From Operating Activity
-8,057.33
-4,661.51
-1,865.03
6,254.26
6,611.28
8,928.50
-16,617.08
-15,663.56
PBT
2,485.77
1,953.90
1,360.91
1,083.96
1,207.03
811.01
1,734.39
1,234.58
Adjustment
4,985.75
4,757.38
4,617.63
5,033.90
5,809.89
1,272.42
13.38
290.17
Changes in Working Capital
-10,656.25
-6,834.01
-3,559.31
4,900.12
5,109.37
7,189.37
-17,794.23
-16,714.37
Cash after chg. in Working capital
-3,184.73
-122.73
2,419.23
11,017.98
12,126.29
9,272.80
-16,046.46
-15,189.62
Interest Paid
-4,478.18
-4,181.12
-3,979.92
-4,404.01
-5,219.27
0.00
0.00
0.00
Tax Paid
-394.42
-357.66
-304.34
-359.71
-295.74
-344.30
-570.62
-473.94
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
757.10
-1,186.08
175.78
-1,474.99
20.55
-62.53
-53.97
-49.69
Net Fixed Assets
-50.37
-51.38
-37.56
114.41
95.16
-283.60
-3.84
Net Investments
964.50
-1,157.24
284.00
-1,439.10
15.95
2,409.12
-2,044.27
Others
-157.03
22.54
-70.66
-150.30
-90.56
-2,188.05
1,994.14
Cash from Financing Activity
7,403.86
4,178.63
301.47
-6,732.22
-8,177.59
-4,385.61
17,888.06
18,464.32
Net Cash Inflow / Outflow
103.63
-1,668.96
-1,387.78
-1,952.95
-1,545.76
4,480.36
1,217.01
2,751.07
Opening Cash & Equivalents
1,958.87
3,627.83
5,015.61
6,968.56
8,514.32
4,033.96
2,816.95
65.88
Closing Cash & Equivalent
2,062.50
1,958.87
3,627.83
5,015.61
6,968.56
8,514.32
4,033.96
2,816.95

Financial Ratios

Standalone /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Book Value (Rs.)
646.80
574.77
537.56
482.04
525.92
471.52
447.11
392.58
ROA
2.48%
2.16%
1.58%
1.22%
1.24%
0.80%
1.62%
1.33%
ROE
12.20%
11.65%
10.07%
8.96%
11.08%
8.38%
16.99%
12.86%
ROCE
9.44%
9.24%
8.25%
7.85%
8.76%
8.62%
9.88%
7.91%
Fixed Asset Turnover
16.48
16.76
17.09
17.60
14.48
19.75
39.79
19.76
Receivable days
2.40
1.67
1.56
2.58
2.15
1.80
0.93
0.02
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
0.00
115.42
99.28
145.39
Cash Conversion Cycle
2.40
1.67
1.56
2.58
2.15
-113.61
-98.35
-145.37
Total Debt/Equity
3.71
3.69
4.89
5.40
6.71
8.54
9.60
8.22
Interest Cover
1.55
1.46
1.35
1.27
1.24
1.14
1.34
1.35

News Update:


  • PNB Housing Finance raises Rs 400 crore through NCDs
    23rd Jul 2025, 16:38 PM

    The Management Committee for allotment of NCDs, as authorized by the Board of Directors of the Company, has on July 23, 2025, approved allotment of the same

    Read More
  • PNB Housing Finance reports 23% rise in Q1 consolidated net profit
    22nd Jul 2025, 12:00 PM

    The total consolidated income of the company increased by 13.63% at Rs 2081.87 crore for Q1FY26

    Read More
  • PNB Housing Finance - Quarterly Results
    21st Jul 2025, 19:54 PM

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.