PNB Housing Finance Ltd.
NSE: PNBHOUSING · Housing Finance Company
Snapshot
Unlock PNB Housing Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
PNB Housing Finance Limited is an Indian housing finance company that provides loans to individuals and corporate entities for residential and commercial property acquisition, construction, and renovation. The company also offers specialised products such as loans against property, lease rental discounting, and credit-linked subsidy schemes for various income groups.
Business Model
The company generates revenue primarily through interest income earned on its diverse portfolio of home loans and property-backed financing. It also offers fixed deposit products to manage its liquidity and funding requirements.
- Branch Network:99
Growth Outlook
Growth is driven by the expansion of affordable housing segments, including the Unnati home loan product and government-backed credit-linked subsidy schemes. The company continues to focus on deepening its reach within the Indian housing finance market.
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for borrowers.
- Credit Risk. The company faces potential losses if borrowers default on their loan obligations, particularly within the affordable housing and developer finance segments.
- Regulatory Risk. Changes in housing finance regulations and policies by the Reserve Bank of India or the National Housing Bank could impact operational flexibility.
- Liquidity Risk. As a non-banking financial company, it is susceptible to volatility in funding costs and the availability of credit in the debt markets.
Price
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Key Metrics
REVENUE
₹8,505 Cr
TTM · consolidated
NET PROFIT
₹2,291 Cr
TTM · consolidated
EPS
₹88.00
TTM · consolidated
RETURN ON EQUITY
13.1%
TTM · consolidated
P/E
12.5x
Q4 FY26 · consolidated
EBITDA MARGIN
94.5%
TTM · consolidated
NET PROFIT MARGIN
30.1%
Q4 FY26 · consolidated
Peers · Housing Finance Company
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
PNB Housing Finance Ltd.PNBHOUSING | 20,535 | 12.49 | — | 10.9% | 94.5% | 13.1% | 9.9% | -0.7% |
LIC Housing Finance Ltd.LICHSGFIN | 26,356 | 5.37 | — | 2.6% | 93.5% | 14.9% | 626.2% | -14.2% |
Aadhar Housing Finance Ltd.AADHARHFC | 20,264 | 20.35 | — | 18.2% | 76.7% | 16.4% | — | +2.0% |
Sammaan Capital Ltd.SAMMAANCAP | 11,530 | -1.87 | — | -6.7% | 41.9% | -33.8% | — | +26.0% |
Can Fin Homes Ltd.CANFINHOME | 11,066 | 11.09 | — | 8.7% | 92.1% | 20.5% | 20.8% | +11.4% |
Aptus Value Housing Finance India Ltd.APTUS | 10,077 | 15.90 | — | 27.2% | 84.1% | 20.9% | — | -12.1% |
As of Q4 FY26
Financials
PNB Housing Finance Ltd.
NSE: PNBHOUSING · Housing Finance Company
Snapshot
Unlock PNB Housing Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
PNB Housing Finance Limited is an Indian housing finance company that provides loans to individuals and corporate entities for residential and commercial property acquisition, construction, and renovation. The company also offers specialised products such as loans against property, lease rental discounting, and credit-linked subsidy schemes for various income groups.
Business Model
The company generates revenue primarily through interest income earned on its diverse portfolio of home loans and property-backed financing. It also offers fixed deposit products to manage its liquidity and funding requirements.
- Branch Network:99
Growth Outlook
Growth is driven by the expansion of affordable housing segments, including the Unnati home loan product and government-backed credit-linked subsidy schemes. The company continues to focus on deepening its reach within the Indian housing finance market.
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for borrowers.
- Credit Risk. The company faces potential losses if borrowers default on their loan obligations, particularly within the affordable housing and developer finance segments.
- Regulatory Risk. Changes in housing finance regulations and policies by the Reserve Bank of India or the National Housing Bank could impact operational flexibility.
- Liquidity Risk. As a non-banking financial company, it is susceptible to volatility in funding costs and the availability of credit in the debt markets.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on PNB Housing Finance Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹8,505 Cr
TTM · consolidated
NET PROFIT
₹2,291 Cr
TTM · consolidated
EPS
₹88.00
TTM · consolidated
RETURN ON EQUITY
13.1%
TTM · consolidated
P/E
12.5x
Q4 FY26 · consolidated
EBITDA MARGIN
94.5%
TTM · consolidated
NET PROFIT MARGIN
30.1%
Q4 FY26 · consolidated
Peers · Housing Finance Company
As of Q4 FY26