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About the company
PNB Housing Finance Limited is an India-based Non-Banking Financial Company - Housing Finance Company (NBFC-HFC). The Company provides housing loans to individuals and corporate bodies for the purchase, construction, repair, and upgradation of houses. It also provides loans for commercial spaces, loans against property, and loans for purchasing residential plots. The Company’s product portfolio consists of housing loans, other home loans, and non-home loans. Its housing loans include home loan, plot loan, and home construction loan. Its other home loans include home extension loan, home improvement loan, and non-resident Indians (NRIs) home loan. Its non-home loans cover commercial property loan, loan against property, lease rental discounting, and loan for real estate-developers. It has established an affordable loan vertical called Roshni. Its subsidiaries include PHFL Home Loans and Services Limited and PEHEL Foundation. It operates approximately 300 branches and outreaches.
- Revenue in INR (TTM)83.45bn
- Net income in INR21.86bn
- Incorporated1988
- Employees2.15k
- LocationPNB Housing Finance Ltd9th Floor, Antriksh Bhawan22 Kasturba Gandhi MargNear Connaught PlaceNEW DELHI 110001IndiaIND
- Phone+91 1 800120880
- Fax+91 1 123357173
- Websitehttps://www.pnbhousing.com
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ujjivan Small Finance Bank Ltd | 66.26bn | 4.94bn | 103.68bn | 24.37k | 21.19 | -- | -- | 2.20 | 2.52 | 2.52 | 24.07 | -- | -- | -- | -- | -- | -- | 1.79 | -- | -- | -- | -- | 10.48 | 16.80 | -- | -- | -- | -- | 11.93 | 18.64 | -43.34 | 16.62 | 13.31 | -- |
| Indian Energy Exchange Ltd | 5.84bn | 4.80bn | 106.95bn | 179.00 | 22.25 | -- | 21.27 | 18.33 | 5.41 | 5.41 | 6.57 | -- | -- | -- | -- | 32,602,930.00 | -- | 21.80 | -- | 40.08 | -- | -- | 82.29 | 74.90 | -- | -- | -- | 46.49 | 19.62 | 15.88 | 22.35 | 19.55 | 0.2014 | 29.20 |
| Aptus Value Housing Finance India Ltd | 21.02bn | 8.89bn | 110.81bn | 3.35k | 12.48 | -- | 12.28 | 5.27 | 17.73 | 17.73 | 41.92 | -- | -- | -- | -- | 6,272,567.00 | -- | 7.39 | -- | 9.49 | -- | -- | 42.30 | 44.20 | -- | 2.82 | -- | -- | 28.22 | 28.46 | 22.77 | 28.91 | 22.61 | -- |
| IFCI Ltd | 18.48bn | 3.95bn | 140.27bn | 117.00 | 36.29 | -- | 18.83 | 7.59 | 1.43 | 1.43 | 6.91 | -- | -- | -- | -- | 157,926,500.00 | -- | -3.34 | -- | -4.56 | 69.84 | 50.75 | 35.78 | -35.72 | -- | -- | -- | -- | -5.56 | -8.18 | 65.00 | -- | -23.42 | -- |
| International Gemmological Ins India Ltd | 12.29bn | 5.32bn | 144.10bn | 890.00 | 28.14 | 10.22 | 25.09 | 11.72 | 11.85 | 11.85 | 27.40 | 32.62 | 0.7543 | -0.3856 | 5.93 | -- | 32.62 | 39.84 | 38.72 | 75.29 | 100.14 | 99.78 | 43.25 | 42.20 | 5.15 | 71.14 | 0.0919 | -- | 16.71 | 56.67 | 24.41 | 66.81 | 48.66 | -- |
| Punjab & Sind Bank | 121.10bn | 12.13bn | 170.08bn | 8.74k | 13.88 | 1.22 | -- | 2.84 | 1.73 | 1.73 | 8.52 | 19.62 | -- | -- | -- | -- | 0.7454 | 0.1902 | -- | -- | -- | -- | 20.26 | 6.12 | -- | -- | -- | -- | 18.44 | 7.68 | 70.61 | -- | 21.10 | -- |
| City Union Bank Ltd | 65.47bn | 12.55bn | 183.27bn | 7.61k | 15.02 | -- | -- | 5.03 | 16.42 | 16.42 | 47.46 | -- | -- | -- | -- | -- | -- | 1.40 | -- | -- | -- | -- | 34.43 | 31.06 | -- | -- | -- | 9.19 | 10.69 | 6.95 | 10.62 | 18.73 | 21.39 | 31.95 |
| RBL Bank Ltd | 140.92bn | 7.22bn | 184.07bn | 14.06k | 25.50 | -- | -- | 1.78 | 11.68 | 11.68 | 167.37 | -- | -- | -- | -- | -- | -- | 0.5631 | -- | -- | -- | -- | 7.00 | 8.25 | -- | -- | -- | 9.75 | 13.29 | 9.85 | -43.09 | 7.47 | 4.92 | -7.79 |
| PNB Housing Finance Ltd. | 83.45bn | 21.86bn | 196.81bn | 2.15k | 9.02 | -- | 8.76 | 2.36 | 83.78 | 83.78 | 319.84 | -- | -- | -- | -- | 38,831,270.00 | -- | 1.75 | -- | 3.37 | 99.86 | 99.83 | 26.19 | 17.85 | -- | 1.51 | -- | 2.08 | 8.73 | -2.00 | 28.39 | 24.54 | -5.11 | -- |
| Central Depository Services (India) Ltd | 11.06bn | 4.76bn | 252.99bn | 403.00 | 53.12 | -- | 47.00 | 22.86 | 22.79 | 22.79 | 52.95 | -- | -- | -- | -- | 27,456,560.00 | -- | 24.23 | -- | 28.99 | -- | -- | 42.99 | 51.87 | -- | 233.34 | -- | 47.03 | 33.23 | 36.90 | 25.66 | 37.76 | 72.95 | 40.91 |
| LIC Housing Finance Ltd | 288.42bn | 54.85bn | 275.14bn | 2.35k | 5.02 | -- | 4.91 | 0.954 | 99.72 | 99.72 | 524.40 | -- | -- | -- | -- | 122,628,900.00 | -- | 1.37 | -- | 2.07 | 30.50 | 99.45 | 19.02 | 15.39 | -- | -- | -- | 13.30 | 3.35 | 7.33 | 14.35 | 17.76 | 37.88 | 4.56 |
| Bandhan Bank Ltd | 216.95bn | 10.07bn | 280.50bn | 75.03k | 27.85 | 1.12 | 27.48 | 2.09 | 6.25 | 6.25 | 83.44 | 155.81 | -- | -- | -- | -- | 0.5301 | 1.30 | -- | -- | -- | -- | 7.49 | 15.89 | -- | -- | -- | 9.33 | 16.32 | 15.06 | 23.13 | -1.91 | 22.79 | -- |
| Karur Vysya Bank Ltd | 106.94bn | 22.99bn | 282.60bn | 9.77k | 12.29 | 2.10 | -- | 4.25 | 23.79 | 23.79 | 68.78 | 139.38 | -- | -- | -- | -- | 1.82 | 1.28 | -- | -- | -- | -- | 34.58 | 24.90 | -- | -- | -- | 12.85 | 17.97 | 10.07 | 20.99 | 52.55 | 4.92 | -- |
Data as of Mar 11 2026. Currency figures normalised to PNB Housing Finance Ltd's reporting currency: Indian Rupee INR
25.84%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| HSBC Asset Management (India) Pvt Ltd.as of 31 Jan 2026 | 9.68m | 3.72% |
| Aditya Birla Sun Life Amc Ltd. (Investment Management)as of 31 Jan 2026 | 9.50m | 3.65% |
| GIC Pte Ltd. (Investment Management)as of 04 Aug 2025 | 8.42m | 3.23% |
| The Vanguard Group, Inc.as of 04 Feb 2026 | 7.19m | 2.76% |
| HDFC Asset Management Co. Ltd. (Invt Mgmt)as of 31 Jan 2026 | 5.66m | 2.17% |
| Nippon Life India Asset Management Ltd. (Invt Mgmt)as of 31 Jan 2026 | 5.53m | 2.12% |
| SBI Life Insurance Co. Ltd. (Investment Portfolio)as of 31 Jan 2026 | 5.41m | 2.08% |
| Kotak Mahindra Asset Management Co. Ltd.as of 31 Jan 2026 | 5.38m | 2.07% |
| Tata Asset Management Pvt Ltd.as of 31 Jan 2026 | 5.28m | 2.03% |
| Canara Robeco Asset Management Co., Ltd. (Invt Mgmt)as of 31 Jan 2026 | 5.26m | 2.02% |
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Data from 31 Dec 2025 - 04 Mar 2026Source: FactSet Research Systems Inc.
