PNB Housing Finance financials

·Banking & FinanceChart ›
Latest results Q2 FY27 · Jul–Sep 2026
Total income
₹2,424cr+13.8% on Q2 FY26
Net interest income
₹875cr+16.5% on Q2 FY26
Net profit
₹617cr+6.0% on Q2 FY26
EPS
₹23.65+5.9% on Q2 FY26

Quarterly results

Every quarter ›
₹ croreQ2 FY27Q2 FY26Change
Total income2,4242,131+13.8%
Net interest income875750+16.5%
Net profit617582+6.0%
EPS₹23.65₹22.34+5.9%

Over time

Q2 FY27 · Jul–Sep 2026latest
Total income₹2,424 crNet profit₹617 crNet interest margin3.4%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
28,921————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
8,9828,5057,6927,0576,530
—+10.6%+9.0%+8.1%—
3,2493,0712,7222,4812,301
—+12.8%+9.7%+7.8%—
3.5%3.5%3.5%3.6%3.4%
25.9%25.9%25.5%23.6%21.6%
−0.5%−0.5%−0.2%0.3%1.2%
2,3502,2911,9361,5081,046
—+18.3%+28.4%+44.2%—
₹90.20₹87.94₹74.31₹57.88₹40.15
—+18.3%+28.4%+44.2%—
12.7%12.7%12.2%11.6%10.0%
2.6%2.6%2.5%2.2%1.6%
Balance sheet
94,12486,43374,64564,10857,840
—+15.8%+16.4%+10.8%—
71,19971,19962,31055,01753,621
3.70×3.70×3.70×3.67×4.87×
4.87×4.87×4.89×4.84×6.07×
Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

PNBHOUSING₹1,110.00

PNB Housing Finance Ltd.

· Banking & Finance
₹ CrorePeersLICHSGFINCANFINHOMEAAVASPIRAMALFINPOONAWALLARBLBANKMANAPPURAMAPTUSMcap ₹28,921 Cr
HighlightsEnterprise ValueMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————28,921.1
Total Income6,529.77,057.17,691.68,505.08,981.9
Growth %, YoY—+8.1+9.0+10.6—
Net Interest Income2,300.62,481.12,722.33,070.93,248.8
Growth %, YoY—+7.8+9.7+12.8—
NIM %, on assets3.443.563.513.493.49
Cost to Income %21.5723.5625.4525.9425.94
Credit Cost %, on avg loans1.220.28-0.23-0.48-0.48
Net Income1,046.01,508.01,936.12,291.22,350.0
Growth %, YoY—+44.2+28.4+18.3—
EPS, Adj (current shares)40.1557.8874.3187.9490.20
Growth %, YoY—+44.2+28.4+18.3—
ROE %10.0211.6112.1612.7012.70
ROA %1.562.172.502.602.60
Balance Sheet
Loans57,839.864,108.274,645.386,433.494,124.5
Growth %, YoY—+10.8+16.4+15.8—
Total Borrowings53,621.455,016.662,309.671,198.671,198.6
Debt/Equity ×4.873.673.703.703.70
Leverage (Assets/Equity) ×6.074.844.894.874.87
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

PNB Housing Finance financials and key ratios

Prices at the previous close · figures from the company's filings with NSE

PNB Housing Finance (NSE: PNBHOUSING) had a market capitalisation of ₹28,949 crore at the previous close (₹1,110.00 a share), a PE ratio of 12.3 on the last four quarters' profit and a price-to-book ratio of 1.43. In FY26 its consolidated net profit was ₹2,291 crore on revenue of ₹8,505 crore; in Q2 FY27 (July–September 2026) it was ₹617 crore, up 6.0% year on year. Promoters held 28.01% of the shares on 30 September 2026.

Share price used
₹1,110.00 · previous close
Latest balance sheet
30 September 2026
Shareholding pattern
30 September 2026

PNB Housing Finance at a glance · consolidated

Market cap
₹28,949 Crat ₹1,110.00 · previous close
PE ratio (last 4 quarters)
12.312.6 on FY26 profit
Price to book (PB)
1.43book value ₹776.43 a share
ROE (FY26)
12.7%
Debt to equity
3.93net debt ₹77,275 Cr
Promoter holding
28.01%unchanged vs 30 Jun 202630 September 2026
Dividend yield
0.72%₹8 a share in 12 months
Net worth
₹20,249 Cr+12.7% vs 30 Sep 202530 September 2026
EPS (FY26)
₹88.01

Questions

What is the PNB Housing Finance PE ratio today?

PNB Housing Finance's PE ratio is 12.3 at the previous close (₹1,110.00 a share): a market capitalisation of ₹28,949 crore divided by consolidated net profit of ₹2,350 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit (₹2,291 crore) it is 12.6.

What is the PNB Housing Finance debt to equity ratio?

PNB Housing Finance's debt-to-equity ratio was 3.93 on 30 September 2026: borrowings, debt securities, deposits and subordinated debt of ₹79,597 crore against total equity of ₹20,249 crore. A year earlier, on 30 September 2025, it was 3.63.

What is the PNB Housing Finance net worth?

PNB Housing Finance's net worth — shareholders' equity in its consolidated balance sheet — was ₹20,249 crore on 30 September 2026, up 12.7% from ₹17,971 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹28,949 crore at the previous close.

What is the PNB Housing Finance PB ratio (price to book value)?

PNB Housing Finance's price-to-book (PB) ratio is 1.43 at the previous close: a market capitalisation of ₹28,949 crore divided by shareholders' equity (book value) of ₹20,249 crore on 30 September 2026. That is a book value of ₹776.43 per share against a share price of ₹1,110.00.

What is the PNB Housing Finance book value per share?

PNB Housing Finance's book value per share was ₹776.43 on 30 September 2026: shareholders' equity of ₹20,249 crore divided by the 26.08 crore shares in issue, up 12.6% from ₹689.82 a year earlier. The share price at the previous close was ₹1,110.00.

What is the PNB Housing Finance promoter holding?

Promoters held 28.01% of PNB Housing Finance on 30 September 2026, down 0.02 percentage points from 28.03% the previous quarter and down 0.03 percentage points from 28.04% a year earlier, according to the shareholding pattern filed with NSE.

What is the PNB Housing Finance market cap?

PNB Housing Finance's market capitalisation was ₹28,949 crore at the previous close: 26.08 crore shares at ₹1,110.00 each.

What is the PNB Housing Finance ROE?

In FY26, PNB Housing Finance's return on equity (ROE) was 12.7%. ROE is net profit divided by average shareholders' equity (the start and end of the year).

What is the PNB Housing Finance dividend in 2026 and its record date?

In 2026, PNB Housing Finance has declared one dividend: ₹8 with record date 31 July 2026.

What is the PNB Housing Finance EPS?

PNB Housing Finance's basic earnings per share (EPS) were ₹88.01 in FY26, against ₹74.52 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹90.18.

What is the PNB Housing Finance dividend yield?

PNB Housing Finance's dividend yield is 0.72% at the previous close: dividends of ₹8 a share that went ex-dividend in the 12 months before that day, divided by the share price of ₹1,110.00. They were ₹8 on 31 July 2026.

PNB Housing Finance vs LIC Housing Finance: how do they compare?

In FY26, PNB Housing Finance earned net profit of ₹2,291 crore on revenue of ₹8,505 crore, against ₹5,604 crore on ₹28,837 crore for LIC Housing Finance.

What is the PNB Housing Finance shareholding pattern?

On 30 September 2026, PNB Housing Finance's shares were held by promoters 28.01%, foreign portfolio investors (FII/FPI) 14.19%, domestic institutions (DII) 49.29% (including mutual funds at 36.46%) and retail and other non-institutional investors 8.51%. Over the year, FII holding was down 4.42 percentage points from 18.61% and DII holding was up 8.60 percentage points from 40.69%.

What are the PNB Housing Finance latest quarterly results?

PNB Housing Finance's latest results are for Q2 FY27 (July–September 2026), filed on 28 October 2026: consolidated net profit ₹617 crore, up 6.0% from ₹582 crore in Q2 FY26; revenue from operations ₹2,423 crore, up 13.9% year on year.

What is the PNB Housing Finance revenue and profit in FY26?

In FY26 (April 2025–March 2026), PNB Housing Finance's consolidated net profit was ₹2,291 crore, up 18.3% from ₹1,936 crore in FY25, on revenue from operations of ₹8,505 crore (up 10.9%). Over three years, from FY23, net profit was up 119.0%.

When are the PNB Housing Finance next results?

PNB Housing Finance has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.

How does PNB Housing Finance compare with its peers?

On FY26 consolidated figures, against LIC Housing Finance, Can Fin Homes and Aavas Financiers: PNB Housing Finance's return on equity of 12.7% is the lowest of the four (LIC Housing Finance 14.4%, Can Fin Homes 19.7%, Aavas Financiers 13.9%; peer average 16.0%); its revenue growth over three years of 9.2% a year is the third highest of the four (LIC Housing Finance 8.3% a year, Can Fin Homes 15.4% a year, Aavas Financiers 18.6% a year; peer average 14.1% a year).

Where do these PNB Housing Finance figures come from?

From PNB Housing Finance's own consolidated results, balance sheets and shareholding patterns filed with NSE. Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.