Is PNB Housing Finance (PNBHOUSING) overvalued or fairly valued?

MarketChacha shows PNB Housing Finance's valuation in context — a forward P/E of about 10.4, a price-to-book of about 1.5 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

What is PNB Housing Finance's revenue?

PNB Housing Finance reported revenue of ₹3,505 Cr for FY2026, with net profit of ₹2,291 Cr, per official filings.

What is the share price of PNB Housing Finance (PNBHOUSING)?

PNB Housing Finance last traded at ₹1,082.30 (-1.5% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

PNB Housing Finance

PNBHOUSING · NSE · Housing Finance · India

₹1,082.30-1.5%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 9:59 AM

Snapshot

TickerPNBHOUSING

ExchangeNSE

SectorHousing Finance

IndustryMortgage Finance

CountryIndia

HeadquartersGurugram, India

Market cap₹28,204 Cr

P/B1.5

Volume6.34L

Websitewww.pnbhousing.com

Filings tracked0

About PNB Housing Finance

PNB Housing Finance Limited operates as a housing finance company in India. It provides loans to individuals and corporate bodies for purchase, construction, repair, and up-gradation of houses/flats/commercial properties, etc.; residential plot loans and loans for NRIs; loan against property, lease rental discounting, and loans for real estate developers; and home loans and fixed deposit products. The company was incorporated in 1988 and is based in Gurugram, India.

Profile as reported by Yahoo Finance.

Who owns it

Promoters28.0%
Institutions58.1%
Public & other13.8%

89 institutional holders

As reported by Yahoo Finance. Promoter pledge is not included here — that comes from exchange shareholding filings.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Net margin trend39.8% → 65.4%

Margin has expanded by about 25.6 points — the business is getting more profitable.

Growth qualityrev 10% · PAT 30%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (Yahoo Finance). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev ₹970 Cr · EPS 21.47

Est. earnings growth -3.7%

Next fiscal year

Rev ₹4,889 Cr · EPS 104.19

Est. earnings growth +11.7%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

₹729.6052-wk range₹1,132.70

Delayed · as reported by Yahoo Finance

New to these terms?

P/E ROE ROCE Margins Market cap

Browse the Learn hub →

Financials at a glance

Source: Yahoo Finance

Annual

Quarterly · last 4

Market cap

₹28,204 Cr

Day change

-1.5%

Fwd P/E

10.4

P/B

1.5

Div yield

0.73%

Beta

0.30

Revenue (FY2026)

₹3,505 Cr

Net margin

65.4%

Revenue CAGR (3y)

+10.0%

Profit CAGR (3y)

+29.9%

Net profit (FY2026)

₹2,291 Cr

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about PNBHOUSING

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	Net margin
FY2026	₹3,505 Cr	₹2,291 Cr	65.4%
FY2025	₹3,140 Cr	₹1,936 Cr	61.7%
FY2024	₹2,796 Cr	₹1,508 Cr	53.9%
FY2023	₹2,631 Cr	₹1,046 Cr	39.8%

Quarterly

Period	Revenue	Net profit	Net margin
2026Q1	₹926 Cr	₹656 Cr	70.8%
2025Q4	₹868 Cr	₹520 Cr	60.0%
2025Q3	₹864 Cr	₹582 Cr	67.3%
2025Q2	₹848 Cr	₹534 Cr	62.9%

Figures as reported, in ₹ (crore). Source: Yahoo Finance.

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.