PNB HOUSING FINANCE Financial Statement Analysis
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The Revenues of PNB HOUSING FINANCE have increased by 10.95% YoY .
The Earnings Per Share (EPS) of PNB HOUSING FINANCE has increased by 18.06 % YoY. |
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PNB HOUSING FINANCE Last 5 Annual Financial Results
[BOM: 540173|NSE : PNBHOUSING]
| Consolidated | Mar2026 | Mar2025 | Mar2024 | Mar2023 | Mar2022 |
|---|---|---|---|---|---|
| Operating Income | ₹8,505 Cr | ₹7,665 Cr | ₹7,050 Cr | ₹6,527 Cr | ₹6,196 Cr |
| Expenses | ₹853 Cr | ₹922 Cr | ₹972 Cr | ₹2,343 Cr | ₹999 Cr |
| Operating Profit (Excl OI) | ₹7,651 Cr | ₹6,744 Cr | ₹6,078 Cr | ₹4,184 Cr | ₹5,197 Cr |
| Other Income | ₹397 Cr | ₹350 Cr | ₹190 Cr | ₹1,128 Cr | ₹5.31 Cr |
| Interest | ₹5,011 Cr | ₹4,552 Cr | ₹4,263 Cr | ₹3,900 Cr | ₹4,065 Cr |
| Depreciation | ₹66 Cr | ₹56 Cr | ₹51 Cr | ₹51 Cr | ₹53 Cr |
| Profit Before Tax | ₹2,971 Cr | ₹2,486 Cr | ₹1,954 Cr | ₹1,361 Cr | ₹1,084 Cr |
| Profit After Tax | ₹2,291 Cr | ₹1,936 Cr | ₹1,508 Cr | ₹1,046 Cr | ₹836 Cr |
| Consolidated Net Profit | ₹2,291 Cr | ₹1,936 Cr | ₹1,508 Cr | ₹1,046 Cr | ₹836 Cr |
| Earnings Per Share (Rs) | ₹87.94 | ₹74.49 | ₹58.06 | ₹61.94 | ₹49.61 |
| PAT Margin (%) | 26.94 | 25.26 | 21.39 | 16.02 | 13.50 |
| ROE(%) | 12.74 | 12.20 | 11.65 | 10.07 | 8.96 |
| ROCE(%) | 9.41 | 9.44 | 9.24 | 8.25 | 7.85 |
| Total Debt/Equity(x) | 3.71 | 3.71 | 3.69 | 4.89 | 5.40 |
Key Financials |
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| Market Cap | : | ₹ 30,878.7 Cr |
| Revenue (TTM) | : | ₹ 8,691.9 Cr |
| Net Profit(TTM) | : | ₹ 2,315.1 Cr |
| EPS (TTM) | : | ₹ 88.8 |
| P/E (TTM) | : | 13.3 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| PNB HOUSING FINANCE | 2.1% | 3.1% | 36.8% |
| BAJAJ HOUSING FINANCE | 2.8% | -0.2% | -23.2% |
| PIRAMAL FINANCE | 0.3% | -10.8% | NA |
| HOUSING & URBAN DEVELOPMENT CORPORATION | 0.9% | -4.7% | -28.6% |
| LIC HOUSING FINANCE | -3.4% | -1.6% | -3.8% |
| AADHAR HOUSING FINANCE | 1.9% | 0.8% | -14.1% |
| SAMMAAN CAPITAL | 8.3% | -3.6% | -17.6% |
| APTUS VALUE HOUSING FINANCE INDIA | 3.8% | -8.1% | -28.6% |
| CAN FIN HOMES | 2.3% | -6.4% | -6.9% |
PNB HOUSING FINANCE Revenues
[BOM: 540173|NSE : PNBHOUSING]
| Y-o-Y | 10.95 % |
| 5 Yr CAGR | 8.24 % |
| Years | Revenues | % Change | |
|---|---|---|---|
| Mar2026 | ₹8,505 Cr | 10.95 | |
| Mar2025 | ₹7,665 Cr | 8.73 | |
| Mar2024 | ₹7,050 Cr | 8.01 | |
| Mar2023 | ₹6,527 Cr | 5.35 | |
| Mar2022 | ₹6,196 Cr | - | |
PNB HOUSING FINANCE Operating Profit
[BOM: 540173|NSE : PNBHOUSING]
| Y-o-Y | 13.46 % |
| 5 Yr CAGR | 10.15 % |
| Years | Operating Profit | % Change | |
|---|---|---|---|
| Mar2026 | ₹7,651 Cr | 13.46 | |
| Mar2025 | ₹6,744 Cr | 10.95 | |
| Mar2024 | ₹6,078 Cr | 45.27 | |
| Mar2023 | ₹4,184 Cr | -19.49 | |
| Mar2022 | ₹5,197 Cr | - | |
| Operating Margins | |
|---|---|
| Y-o-Y | 2.26 % |
| 5 Yr CAGR | 1.76 % |
| Years | Operating Margin% | % Change | |
|---|---|---|---|
| Mar2026 | 89.96% | 2.26 | |
| Mar2025 | 87.97% | 2.04 | |
| Mar2024 | 86.21% | 34.49 | |
| Mar2023 | 64.1% | -23.58 | |
| Mar2022 | 83.88% | - | |
PNB HOUSING FINANCE Profit After Tax
[BOM: 540173|NSE : PNBHOUSING]
| Y-o-Y | 18.34 % |
| 5 Yr CAGR | 28.65 % |
| Years | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2026 | ₹2,291 Cr | 18.34 | |
| Mar2025 | ₹1,936 Cr | 28.39 | |
| Mar2024 | ₹1,508 Cr | 44.17 | |
| Mar2023 | ₹1,046 Cr | 25.05 | |
| Mar2022 | ₹836 Cr | - | |
| PAT Margins | |
|---|---|
| Y-o-Y | 6.65 % |
| 5 Yr CAGR | 18.85 % |
| Years | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2026 | 26.94 % | 6.65 | |
| Mar2025 | 25.26 % | 18.09 | |
| Mar2024 | 21.39 % | 33.52 | |
| Mar2023 | 16.02 % | 18.67 | |
| Mar2022 | 13.5 % | - | |
PNB HOUSING FINANCE Earnings Per Share (EPS)
[BOM: 540173|NSE : PNBHOUSING]
| Y-o-Y | 18.06 % |
| 5 Yr CAGR | 15.39 % |
| Years | EPS | % Change | |
|---|---|---|---|
| Mar2026 | ₹88 | 18.06 | |
| Mar2025 | ₹74 | 28.30 | |
| Mar2024 | ₹58 | -6.26 | |
| Mar2023 | ₹62 | 24.85 | |
| Mar2022 | ₹50 | - | |
PNB HOUSING FINANCE Return on Capital Employed (ROCE)
[BOM: 540173|NSE : PNBHOUSING]
| Y-o-Y | -0.32 % |
| 5 Yr CAGR | 4.64 % |
| Years | ROCE | % Change | |
|---|---|---|---|
| Mar2026 | 9.41% | -0.32 | |
| Mar2025 | 9.44% | 2.16 | |
| Mar2024 | 9.24% | 12.00 | |
| Mar2023 | 8.25% | 5.10 | |
| Mar2022 | 7.85% | - | |
PNB HOUSING FINANCE Share Price vs Sensex
| Current Share Price | : | ₹1,184.0 |
| Current MarketCap | : | ₹ 30,878.7 Cr |
| Updated EOD on | : | Oct 15,2026 |
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| PNB HOUSING FINANCE | 2.1% |
3.1% |
36.8% |
| SENSEX | 3.8% |
-0.6% |
-9.1% |
PNB HOUSING FINANCE related INDICES
| BSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| BSE FINANCIAL SERVICES | 2.8% | -1.9% | -4.4% |
| BSE 500 | 2.7% | -2.9% | -4.2% |
| BSE 1000 | 2.5% | -3% | -3.4% |
| BSE 400 MIDSMALLCAP INDEX | 1.4% | -4.8% | 0.5% |
| BSE 250 SMALLCAP INDEX | 1% | -4.2% | 2.2% |
| NSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| NIFTY RURAL INDEX | 2.7% | -4.2% | -8.2% |
| NIFTY HIGH BETA 50 | 2.7% | -4.9% | 10.3% |
| NIFTY 500 | 2.6% | -3% | -4% |
| NIFTY CORE HOUSING | 2.6% | -3.9% | -8.9% |
| NIFTY FINANCIAL SERVICES EX-BANK | 2.5% | -5.6% | -0.7% |
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FAQ about PNB HOUSING FINANCE Financials
How the annual revenues of PNB HOUSING FINANCE have changed ?
The Revenues of PNB HOUSING FINANCE have increased by 10.95% YoY .
How the Earnings per Share (EPS) of PNB HOUSING FINANCE have changed?
The Earnings Per Share (EPS) of PNB HOUSING FINANCE has increased by 18.06 % YoY .
Check out Intrinsic Value of Peers of PNB HOUSING FINANCE
Compare Stock Analytics of Peers of PNB HOUSING FINANCE
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