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NSE Close — 25 Sep 2026
₹1,094.9
Change
+0.4 (0.04%)
Open
₹1,090.0
Prev. Close
₹1,094.5
Day High
₹1,102.5
Day Low
₹1,077.2
Volume Analysis
Traded
399,362
Delivered
179,803
Delivery %
45.02%
End-of-day NSE price via the official Bhavcopy — updated once daily after market close, not a live tick.
Strengths, Weaknesses, Opportunities & Threats
Strengths (0)
No signal for this stock
Weaknesses (1)
- •High debt-to-equity ratio (3.7)
Opportunities (1)
- •Strong 3-year EPS growth (29.7%)
Threats (1)
- •FII holding has been falling
Rule-based signals from the fundamentals below — not investment advice.
Pivot Levels
| Type | R3 | R2 | R1 | Pivot | S1 | S2 | S3 |
|---|---|---|---|---|---|---|---|
| Classic | ₹1,131.16 | ₹1,116.83 | ₹1,105.86 | ₹1,091.53 | ₹1,080.56 | ₹1,066.23 | ₹1,055.26 |
| Fibonacci | ₹1,116.83 | ₹1,107.17 | ₹1,101.19 | ₹1,091.53 | ₹1,081.87 | ₹1,075.89 | ₹1,066.23 |
| Camarilla | ₹1,101.86 | ₹1,099.54 | ₹1,097.22 | ₹1,091.53 | ₹1,092.58 | ₹1,090.26 | ₹1,087.94 |
Support/resistance levels for today, calculated from the previous trading day's high/low/close.
Absolute Returns
YTD
+10.98%
1 Week
-4.05%
1 Month
-6.41%
3 Months
+5.44%
6 Months
+40.36%
1 Year
+26.71%
2Y/3Y/5Y not shown yet — price history tracking only goes back to mid-2025 so far.
Stock Vitals
Computed from the latest available annual financials.
Graham Number
₹1,208.41
Current price is at or below the Graham Number — Benjamin Graham's estimate of fair value based on earnings and book value.
Company Overview
Sector
Financial Services
Market Cap
₹28,555 Cr
P/E (TTM)
12.3
ROE
12.7%
Book Value
₹738.0
Face Value
₹10.0
Source: Screener.in (Consolidated figures) — data as of 26 Sep 2026. Not investment advice.
TopFund Analysis
PNB Housing Fin Ltd. holds up reasonably well on TopFund's composite fundamentals check within the Financial Services sector, at 66/100. The strongest factor is Growth (99/100), while Business Quality (44/100) is the weakest area to weigh before deciding. Notably: High debt-to-equity ratio (3.7). FII holding has been falling.
TopFund Score — Fundamentals Quality
66/100 — GoodData confidence: 72/100 (Moderate Confidence) — based on how complete and how fresh the underlying data is.
As of 27 Sep 2026 · How we calculate this →
Growth
Valuation
Corporate Governance
Momentum
Institutional Ownership
Business Quality
Risk & Volatility
Liquidity
From Screener.in
- +Company has delivered good profit growth of 19.7% CAGR over last 5 years
- −Company has low interest coverage ratio.
- −The company has delivered a poor sales growth of 2.24% over past five years.
- −Company has a low return on equity of 12.2% over last 3 years.
- −Company might be capitalizing the interest cost
Not investment advice — an automated read of public fundamentals data, for research context only.
Corporate Actions
Trading window closes from October 1, 2026 for September 30 quarter results.
ICRA reaffirmed PNB Housing’s AAA stable ratings and assigned AAA for Rs.2,000 crore NCDs.
PNB Housing Finance held a Citi India Financials investor forum on September 23, 2026.
PNBHFL relieved IT Function Head Anubhav Rajput on September 23, 2026; Santosh Singh remains CIO.
PNB Housing Finance held investor meetings at J.P. Morgan India Conference on September 21, 2026.
Source: BSE regulatory filings, via Screener.in.
Quarterly Results
Last several quarters
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 1,708 | 1,778 | 1,755 | 1,810 | 1,823 | 1,879 | 1,942 | 2,022 | 2,076 | 2,128 | 2,119 | 2,182 | 2,263 |
| Expenses + | 201 | 204 | 216 | 170 | 168 | 143 | 155 | 133 | 145 | 88 | 183 | 52 | 192 |
| Financing Profit | 459 | 517 | 452 | 570 | 559 | 618 | 629 | 711 | 697 | 773 | 683 | 883 | 733 |
| Financing Margin % | 27.0% | 29.0% | 26.0% | 31.0% | 31.0% | 33.0% | 32.0% | 35.0% | 34.0% | 36.0% | 32.0% | 40.0% | 32.0% |
| Other Income + | 0 | 2 | 1 | 4 | 9 | 1 | 1 | 15 | 6 | 3 | 2 | -10 | 2 |
| Interest | 1,048 | 1,057 | 1,087 | 1,070 | 1,097 | 1,118 | 1,158 | 1,178 | 1,234 | 1,267 | 1,253 | 1,246 | 1,339 |
| Depreciation | 13 | 11 | 13 | 14 | 13 | 14 | 14 | 14 | 15 | 16 | 16 | 19 | 16 |
| Profit before tax | 447 | 507 | 440 | 560 | 554 | 605 | 616 | 711 | 688 | 760 | 668 | 855 | 718 |
| Tax % | 22.0% | 24.0% | 23.0% | 22.0% | 22.0% | 22.0% | 22.0% | 23.0% | 22.0% | 23.0% | 22.0% | 23.0% | 22.0% |
| Net Profit + | 347 | 383 | 338 | 439 | 433 | 470 | 483 | 550 | 534 | 582 | 520 | 656 | 557 |
| EPS in Rs | 13 | 15 | 13 | 17 | 17 | 18 | 19 | 21 | 21 | 22 | 20 | 25 | 21 |
| Raw PDF | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | 0.84% | 0.8% | — | 0.69% | 0.69% | 0.68% | 0.57% | 0.58% |
| Gross NPA % | — | — | — | — | — | 1.24% | 1.19% | — | 1.06% | 1.04% | 1.04% | 0.93% | 0.95% |
Source: Screener.in — figures in ₹ Crores unless marked %.
Profit & Loss (Yearly)
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 5,489 | 7,679 | 8,482 | 7,604 | 6,196 | 6,527 | 7,053 | 7,685 | 8,494 | 8,692 |
| Expenses + | 693 | 750 | 1,737 | 1,254 | 998 | 1,217 | 789 | 598 | 467 | 515 |
| Financing Profit | 1,258 | 1,762 | 870 | 1,250 | 1,133 | 1,410 | 2,001 | 2,535 | 3,027 | 3,073 |
| Financing Margin % | 23.0% | 23.0% | 10.0% | 16.0% | 18.0% | 22.0% | 28.0% | 33.0% | 36.0% | 35.0% |
| Other Income + | 0 | 4 | 7 | 16 | 5 | 2 | 4 | 6 | 10 | -3 |
| Interest | 3,537 | 5,167 | 5,875 | 5,100 | 4,065 | 3,900 | 4,263 | 4,552 | 5,001 | 5,104 |
| Depreciation | 24 | 31 | 66 | 59 | 53 | 51 | 51 | 56 | 66 | 68 |
| Profit before tax | 1,235 | 1,734 | 811 | 1,207 | 1,084 | 1,361 | 1,954 | 2,486 | 2,971 | 3,001 |
| Tax % | 32.0% | 31.0% | 20.0% | 23.0% | 23.0% | 23.0% | 23.0% | 22.0% | 23.0% | — |
| Net Profit + | 841 | 1,192 | 646 | 930 | 836 | 1,046 | 1,508 | 1,936 | 2,291 | 2,315 |
| EPS in Rs | 33 | 46 | 25 | 36 | 32 | 40 | 58 | 74 | 88 | 89 |
| Dividend Payout % | 18.0% | 13.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 7.0% | 9.0% | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
Balance Sheet
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Reserves | 6,401 | 7,376 | 7,830 | 8,755 | 9,703 | 10,845 | 14,715 | 16,603 | 18,959 |
| Other Liabilities + | 2,670 | 4,466 | 3,197 | 3,077 | 2,897 | 2,238 | 2,414 | 3,348 | 3,094 |
| Total Liabilities | 63,014 | 83,869 | 78,930 | 71,392 | 65,730 | 66,874 | 72,405 | 82,520 | 93,512 |
| Fixed Assets + | 76 | 103 | 251 | 181 | 150 | 146 | 207 | 239 | 274 |
| CWIP | 10 | 5 | 4 | 2 | 4 | 3 | 15 | 16 | 6 |
| Investments | 2,413 | 4,561 | 2,076 | 2,045 | 3,483 | 3,196 | 4,346 | 3,381 | 2,779 |
| Other Assets + | 60,516 | 79,200 | 76,599 | 69,164 | 62,093 | 63,528 | 67,837 | 78,884 | 90,453 |
| Total Assets | 63,014 | 83,869 | 78,930 | 71,392 | 65,730 | 66,874 | 72,405 | 82,520 | 93,512 |
| Borrowing | 53,777 | 71,859 | 67,735 | 59,392 | 52,961 | 53,621 | 55,017 | 62,310 | 71,199 |
| Equity Capital | 167 | 167 | 168 | 168 | 169 | 169 | 260 | 260 | 261 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Cash Flow
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -15,664 | -16,617 | 8,928 | 6,792 | 6,254 | -1,865 | -4,662 | -8,057 | -8,984 |
| Cash from Investing Activity + | -50 | -54 | -63 | -6 | -1,475 | 176 | -1,186 | 757 | 684 |
| Cash from Financing Activity + | 18,464 | 17,888 | -4,386 | -8,332 | -6,732 | 301 | 4,179 | 7,404 | 8,720 |
| Net Cash Flow | 2,751 | 1,217 | 4,480 | -1,546 | -1,953 | -1,388 | -1,669 | 104 | 421 |
| CFO/OP | -317 | -232 | 137 | 112 | 127 | -29 | -69 | -108 | -105 |
| Free Cash Flow | -15,713 | -16,671 | 8,866 | 6,786 | 6,239 | -1,880 | -4,701 | -8,106 | -9,016 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Shareholding Pattern
Quarter-by-quarter — Promoters, FII, DII & public holding trend
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Public | 39.32% | 39.32% | 39.98% | 43.04% | 29.29% | 20.69% | 20.57% | 9.74% | 12.65% | 11.69% | 11.28% | 9.42% |
| Promoters | 28.14% | 28.13% | 28.13% | 28.13% | 28.11% | 28.11% | 28.1% | 28.08% | 28.04% | 28.04% | 28.04% | 28.03% |
| Government | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.01% | 0.01% | 0.02% | 0.02% | 0.02% |
| FII | 24.81% | 24.7% | 25.0% | 17.89% | 20.42% | 24.34% | 21.45% | 24.18% | 18.61% | 17.22% | 16.6% | 16.81% |
| DII | 7.72% | 7.86% | 6.88% | 10.95% | 22.17% | 26.85% | 29.88% | 37.99% | 40.68% | 43.02% | 44.07% | 45.71% |
Source: Screener.in — quarterly shareholding disclosures.
Peers Comparison
Financial Services — ranked by market cap
| Company | Market Cap (Cr) | P/E | P/B | ROE |
|---|---|---|---|---|
| PNB Housing Fin Ltd. (this stock) | 28,555 | 12.3 | 1.48 | 12.7% |
| Central Bank Of India | 28,621 | 6.26 | 0.7 | 11.9% |
| Central Depo Ser (i) Ltd | 28,347 | 60.1 | 14.46 | 24.5% |
| The New India Assu Co Ltd | 29,104 | 37.8 | 1.02 | 4.92% |
| Adit Birl Sun Lif Amc Ltd | 29,638 | 29.4 | 7.31 | 25.2% |
| Cholamandalam Fin Hol Ltd | 27,250 | 10.2 | 1.76 | 17.5% |
| UCO Bank | 29,970 | 12.1 | 0.97 | 8.5% |
Which Mutual Funds Hold PNB Housing Fin Ltd.?
Frequently Asked Questions about PNB Housing Fin Ltd.
PNB Housing Fin Ltd. (PNBHOUSING) closed at ₹1,094.9 on NSE on 25 September 2026, up 0.4 (0.04%) from the previous close.
PNB Housing Fin Ltd. trades on the NSE (National Stock Exchange of India) under the symbol PNBHOUSING.
PNB Housing Fin Ltd. has a trailing twelve-month P/E (price-to-earnings) ratio of 12.3.
PNB Housing Fin Ltd. has a dividend yield of 0.73%.
PNB Housing Fin Ltd.'s 52-week high is ₹1,212.0 and its 52-week low is ₹730.0.
PNB Housing Fin Ltd. has a market capitalisation of ₹28,555 crore.
PNB Housing Fin Ltd. has a TopFund Quality Score of 66/100 (Good), a composite of profitability, balance-sheet health, growth and valuation. This is an analytical score based on public data, not personalized investment advice — see the full breakdown below before deciding.
Community Sentiment
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