1. PNB Housing Finance
PNB Housing Finance Share Price

PNB Housing Finance Share Price

NSE: PNBHOUSING | BSE: 540173

100% Buy

₹1,087.10

+₹4.90 (0.45%) Last updated on 15 May, 2025 | 09:17 IST
Market cap
Market Cap Switch₹28,389 Crs
Open
₹1,082.60
Prev. Close
₹1,082.20
Circuit range
₹1,190.40 - ₹974.00
Day range
₹1,082.20 - ₹1,089.80
Year range
₹616.60 - ₹1,202.20
Volume
12,479
Avg. traded
₹1,085.11
Revenue (12m)
₹7,665 Crs

About PNB Housing Finance

PNB Housing Finance Limited (PNB Housing) deals in lending home loans and related financial products. The company, incorporated in 1988, offers retail and corporate loans. Government-owned Punjab National Bank is the promoter of the company and holds 32.57% of the share capital. The company was initially incorporated as a subsidiary of the Punjab National Bank.

Business operations

Punjab National Bank sold 26% of its stake in the company in 2006 to Destimoney Enterprises Private Limited (DEPL). A year after this major change of ownership in the company, PNB Housing Finance introduced the business process re-engineering project Kshitij. In 2012, DEPL increased its shareholding in the company to 49% according to the conversion of Compulsory Convertible Debentures (CCDs) issued in 2009. The company crossed ₹1,000 crore retail deposit milestone.

The company rolled out a new brand image with a robust and scalable target operating model in 2013. PNB Housing's asset under management (AUM) crossed the milestone of ₹10,000 crore in 2014

In 2015, DEPL was acquired by Quality Investment Holdings (QIH) of the Carlyle Group. PNB Housing Finance went public in 2016 bringing its initial public offer to raise ₹3000 through listing on the National Stock Exchange (NSE) and BSE.

The company incorporated its subsidiary PHFL Home Loans & Services in 2017. PNB Housing Finance's AUM crossed the ₹50,000 mark.

In 2018, the company's board of directors approved the raising of funds through external commercial borrowing. PNB Housing Finance informed the stock exchanges that it has received communication from its promoters to initiate the process for the sale of a minimum 51% stake in the company to potential acquirers.

In FY 2019, the company borrowed ₹30,848 crore through bank term loans, National Housing Bank refinance, external commercial borrowings and public deposits. The company set up Pehel Foundation as its dedicated company social responsibility (CSR) vehicle crossed ₹15,000-crore mark.

PNB Housing became the first housing finance company to sign a funding of $75 million via external commercial borrowings from the Japan International Cooperation Agency (JICA).

During FY 2022, the company opened 24 new branches with a focus on tier II and tier III cities to expand Unnati operations.

By the end of FY 2023, PNB Housing’s physical network included 189 branches and outreaches. The Company also had 22 underwriting hubs for credit decision-making. The company’s AUM as of March 31, 2022, was ₹66,617 crore.

PNB Housing's market capitalisation was over ₹20,200 crore as of December 30, 2023. PNB Housing share price has grown over 161% in the last three years.

Financial highlights

  • The consolidated total income of the company for FY23 stood at ₹6,529.66 crore, up 5% year-on-year compared to ₹6,200 crore in FY22.
  • Its profit after tax increased to ₹1,046 crore in FY23 as against ₹836.48 crore in FY22, marking a 25% growth.
  • PNB Housing's net interest income (NII) increased 25.5% to ₹2,345.54 crore in FY23 as against ₹1,869 crore in FY22.
  • Operating profit grew 23.6% to ₹2,052.19 crore in FY23 compared to 1,660.32 crore in FY22.
  • PNB Housing's earnings per share (EPS) increased to ₹62.01 in FY23 from ₹49.64 in the last financial year.

PNB Housing Finance Share Price Chart

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PNB Housing Finance Key Indicators

P/E ratio
14.71
P/B ratio
1.63
ROE
11.85%
ROCE
9.27%
Dividend yield
--
Debt/Equity ratio
3.7
EPS
58.81

Investment Checklist: (3/6)

passed

Equity returns

not passed

Dividend returns

passed

Safety factor

NA

Growth factor

not passed

Debt vs Equity

passed

Profit factor

The investment checklist helps you understand a company's financial health at a glance and identify quality investment opportunities easily

Analyst Ratings:

Buy

Buy

100%

Hold

0%

Sell

0%

This analysis is based on the reviews of 10 experts in the last 7 days

PNB Housing Finance Financial Ratios

  • Profitability

  • Operational

  • Valuation

Operating profit margin

89.64%

Net profit margin

21.78%

ROE

11.85%

ROA

2.19%

ROCE

9.27%

PNB Housing Finance Shareholder returns

1 day
+2.00%
1 week
+5.13%
1 month
+11.52%
3 months
+35.48%
1 year
+50.08%
3 years
+243.84%
5 years
+502.93%

Revenue Statement

All values are in ₹ Crores (Cr)
RevenueNo Sort
Operating ProfitNo Sort
Net ProfitNo Sort
Mar-24
7,050.08
6,268.14
1,508.01
Mar-23
6,527.33
5,312.31
1,046.00
Mar-22
6,195.93
5,202.21
836.48
Mar-21
7,603.92
6,366.96
929.90

Cash Flow

All values are in ₹ Crores (Cr)
OperatingNo Sort
InvestingNo Sort
FinancingNo Sort
Mar-24
-4,661.51
-1,186.08
4178.63
Mar-23
-1,865.03
175.78
301.47
Mar-22
6,254.26
-1,474.99
-6732.22
Mar-21
6,611.28
20.55
-8177.59

Balance Sheet

All values are in ₹ Crores (Cr)
Total AssetNo Sort
Total LiabilityNo Sort
Mar-24
72,794.77
57,820.33
Mar-23
66,824.78
55,810.92
Mar-22
65,690.54
55,818.91
Mar-21
70,962.57
62,039.54

PNB Housing Finance Share Price History

DayOpenCloseChange %
14-May-25
₹1,092.50
₹1,082.20
-0.92%
13-May-25
₹1,070.80
₹1,092.20
+2.00%
12-May-25
₹1,064.90
₹1,070.80
+3.85%
09-May-25
₹995.00
₹1,031.10
+0.65%
08-May-25
₹1,063.00
₹1,024.40
-3.36%
07-May-25
₹1,035.00
₹1,060.00
+2.03%
06-May-25
₹1,056.10
₹1,038.90
-1.75%
05-May-25
₹1,050.00
₹1,057.40
+0.51%

PNB Housing Finance Shareholding Pattern

Promoters (28.1%)

Mutual Funds (20.09%)

Retail and other (20.58%)

Foreign institutions-FII (21.45%)

Other domestic institutions (9.77%)

Promoters

More

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FAQs on PNB Housing Finance

What is the share price of PNB Housing Finance today?

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PNB Housing Finance share price is ₹ 1,087.10 as on May 15, 2025 | 09:17 IST.

What are the high & low share price of PNB Housing Finance today?

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PNB Housing Finance share price hit a high of ₹ 1,089.80 and low of ₹ 1,082.20 as on May 15, 2025 | 09:17 IST.

What are the the 52-week high and low share prices of PNB Housing Finance share on the NSE?

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52-week high share Price of PNB Housing Finance is ₹ 1,202.20 and Low Price is ₹ 616.60 as on May 15, 2025 | 09:17 IST.

What is the stock symbol of PNB Housing Finance?

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The stock symbol of PNB Housing Finance is PNBHOUSING.

Can I buy PNB Housing Finance shares on Holidays?

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No, shares of PNB Housing Finance or any other publicly traded company cannot be bought or sold on holidays when the stock exchanges are closed. You can only buy or sell PNB Housing Finance shares on days when the stock exchanges are open for trading. It's important to check the NSE & BSE holidays calendar, before placing any trades to avoid any inconvenience.