PNB Housing Finance Limited
PNBHOUSING · NBFC · NSE
₹969
Current Market Price
Fair Value (P/B + Residual Income)
₹1,002
Discount to FV
+3.5%
Updated just now
YieldIQ Score
23/100
Piotroski F-Score
4/9
Economic Moat
None
Confidence
80%
ROE
11.5%
Debt/Equity
2.66
Cost of Equity
9.8%
Market Cap
₹25,238 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
7.5%
Return on capital employed
Revenue CAGR (3Y)
4.5%
3-year revenue growth
Revenue CAGR (5Y)
-12.5%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹968.5
Bear case
Discount -38.0%
Base case
Discount +3.4%
Bull case
Discount +25.7%
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 | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹6196 Cr | ₹2541 Cr | ₹2784 Cr | ₹3126 Cr | ₹3494 Cr | -13.3% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹5148 Cr | ₹5259 Cr | ₹6215 Cr | — | — | +4.8% |
| PAT | ₹836 Cr | ₹1046 Cr | ₹1508 Cr | ₹1936 Cr | ₹2291 Cr | +28.6% |
| EPS (diluted) | ₹49.53 | ₹61.95 | ₹58.20 | — | — | +4.1% |
| CFO | ₹6256 Cr | ₹-1865 Cr | ₹-4662 Cr | ₹-8057 Cr | ₹-8984 Cr | — |
| CapEx | — | ₹-14.8 Cr | ₹-39.3 Cr | ₹-49.0 Cr | ₹-33.1 Cr | — |
| FCF | — | ₹-1880 Cr | ₹-4701 Cr | ₹-8106 Cr | ₹-9017 Cr | — |
| Total Assets | ₹65.7K Cr | ₹66.9K Cr | ₹72.4K Cr | ₹82.5K Cr | ₹93.5K Cr | +9.2% |
| Total Debt | ₹27.7K Cr | ₹36.5K Cr | ₹37.4K Cr | ₹44.8K Cr | ₹53.1K Cr | +17.7% |
| Shareholders' Equity | — | ₹11.0K Cr | ₹15.0K Cr | ₹16.9K Cr | ₹19.2K Cr | +14.9% |
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 AADHARHFC | — | — | Pending | 14.5% | — |
 LICHSGFIN LICHSGFIN | — | — | Pending | 13.5% | 4.9× |
 BAJAJHFL BAJAJHFL | — | — | Pending | 11.4% | — |
Click a ticker to view its fair-value analysis.
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
0.52%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. PNB Housing Finance Limited (PNBHOUSING.NS) trades at 968.50 vs a model fair value of 1002.47, a gap of 3.5%. Piotroski F-score: 4/9. Moa...
Read full AI analysis →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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P/B + Residual Income breakdown, peer comparison, and more.
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.