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Swing Capital

PNB Housing Finance Ltd

NSE: PNBHOUSING BSE: 540173Banking

PNB Housing Finance offers retail customers housing and non-housing loans, including individual home loans, loan against property, non-resident property loan, among others. It is promoted by Punjab National Bank. [1]

₹1,045
52W: ₹730 — ₹1142
PE 11.7 · Book ₹738 · +42% vs book
Market Cap₹27,232 Cr
Stock P/E11.7Price to Earnings
ROCE9.46%Return on Capital
ROE12.3%Return on Equity
Div. Yield0.48%Face Value ₹10

Strengths

  • +Company has delivered good profit growth of 23.3% CAGR over last 5 years

Weaknesses

  • −Company has low interest coverage ratio.
  • −The company has delivered a poor sales growth of -2.03% over past five years.
  • −Company has a low return on equity of 11.6% over last 3 years.
  • −Promoter holding has decreased over last 3 years: -4.48%

Shareholding Pattern

Promoters28.04%
FIIs16.6%
DIIs44.07%
Public11.28%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters28.13%28.11%▼0.028.11%28.1%▼0.028.08%▼0.028.04%▼0.028.04%28.04%
FIIs17.89%20.42%▲2.524.34%▲3.921.45%▼2.924.18%▲2.718.61%▼5.617.22%▼1.416.6%▼0.6
DIIs10.95%22.17%▲11.226.85%▲4.729.88%▲3.037.99%▲8.140.68%▲2.743.02%▲2.344.07%▲1.0
Public43.04%29.29%▼13.820.69%▼8.620.57%▼0.19.74%▼10.812.65%▲2.911.69%▼1.011.28%▼0.4

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses2061561531301491251368417449
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit347444439472471567532626521649
EPS ₹13.3417.0916.8918.1518.1421.8220.4424.052024.9

AI Insights

Revenue Trend

TTM revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Capex Cycle

CWIP at ₹3Cr (1% of fixed assets). Moderate ongoing capital expenditure.

Institutional Flow

DIIs: 44.07% (+36.47pp change). FIIs: 16.6% (-8.17pp change). Promoters hold 28.04%.

Margin & Efficiency

ROCE improving from 0% (Mar 2014) to 0% (Mar 2025). Working capital days: 0.

Valuation

PE 11.7x with 9.46% ROCE. Price is 42% above book value of ₹738. Dividend yield: 0.48%.

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