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Reported as ticker: PNBHOUSING· We're continuously improving data quality. Contact support if this persists.
PNB Housing Finance Limited
PNBHOUSING · General/Diversified · NSE
₹894
Current Market Price
Fair Value (DCF)
₹0
Margin of Safety
-100.0%
Updated just now
YieldIQ Score
35/100
Piotroski F-Score
3/9
Economic Moat
Narrow
Confidence
11%
ROE
11.5%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.23 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
200.0%
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
0.4×
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.04×
Revenue per ₹ of assets
Revenue CAGR (3Y)
24.8%
3-year revenue growth
Revenue CAGR (5Y)
-17.8%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹894
Bear case
₹0
MoS -Infinity%
Base case
₹0
MoS -Infinity%
Bull case
₹0
MoS -Infinity%
Ratio Trends
PNBHOUSING · last 5 annual periods
ROE
11.5%
ROCE
3.7%
Operating Margin
—
Debt / Equity
2.66×
PE
47.9×
EV / EBITDA
—
Historical Financials
PNBHOUSING · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2020 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹8482 Cr | ₹6196 Cr | ₹1636 Cr | ₹1810 Cr | ₹2962 Cr | -23.1% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹6686 Cr | ₹5148 Cr | ₹1351 Cr | ₹1630 Cr | — | -29.7% |
| PAT | ₹646 Cr | ₹836 Cr | ₹279 Cr | ₹439 Cr | ₹1936 Cr | +31.6% |
| EPS (diluted) | ₹38.41 | ₹49.53 | ₹16.51 | ₹16.86 | — | -18.6% |
| CFO | — | ₹6256 Cr | ₹-1865 Cr | ₹-4662 Cr | ₹-8057 Cr | — |
| CapEx | — | — | — | — | ₹-49.0 Cr | — |
| FCF | — | — | — | — | ₹-8106 Cr | — |
| Total Assets | — | ₹65.7K Cr | ₹66.9K Cr | ₹72.4K Cr | ₹82.5K Cr | +5.9% |
| Total Debt | ₹32.3K Cr | ₹27.7K Cr | ₹31.2K Cr | ₹28.7K Cr | ₹44.8K Cr | +8.5% |
| Shareholders' Equity | — | — | ₹11.0K Cr | ₹15.0K Cr | ₹16.9K Cr | +11.2% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
PNBHOUSING vs 3 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| AADHARHFC Aadhar Housing Finance Limited | -100.0% | 40 | Data Limited | 14.3% | — |
| LICHSGFIN LIC Housing Finance Limited | -100.0% | 17 | Data Limited | 15.0% | — |
| BAJAJHFL Bajaj Housing Finance Limited | -20.8% | 25 | Overvalued | 10.8% | — |
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Dividend History
4 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹5.00/sh
Last payout
2025-08-01
₹5.00
Peak payout
₹7.45
Trailing yield
0.56%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of PNBHOUSING →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for PNBHOUSING →
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Head-to-head with peers
Compare PNBHOUSING side by side →
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Analyse PNBHOUSINGNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.