PNB HOUSING FINANCE Financial Statement Analysis
|
||
|
The Revenues of PNB HOUSING FINANCE have increased by 8.73% YoY .
The Earnings Per Share (EPS) of PNB HOUSING FINANCE has increased by 28.30 % YoY. |
||
| REVENUES |
| OPERATING MARGIN |
| PROFIT AFTER TAX |
| EPS |
| ROCE |
PNB HOUSING FINANCE Last 5 Annual Financial Results
[BOM: 540173|NSE : PNBHOUSING]
| Consolidated | Mar2025 | Mar2024 | Mar2023 | Mar2022 | Mar2021 |
|---|---|---|---|---|---|
| Operating Income | ₹7,665 Cr | ₹7,050 Cr | ₹6,527 Cr | ₹6,196 Cr | ₹7,604 Cr |
| Expenses | ₹728 Cr | ₹972 Cr | ₹2,343 Cr | ₹999 Cr | ₹1,257 Cr |
| Operating Profit (Excl OI) | ₹6,937 Cr | ₹6,078 Cr | ₹4,184 Cr | ₹5,197 Cr | ₹6,347 Cr |
| Other Income | ₹156 Cr | ₹190 Cr | ₹1,128 Cr | ₹5.31 Cr | ₹20 Cr |
| Interest | ₹4,552 Cr | ₹4,263 Cr | ₹3,900 Cr | ₹4,065 Cr | ₹5,101 Cr |
| Depreciation | ₹56 Cr | ₹51 Cr | ₹51 Cr | ₹53 Cr | ₹59 Cr |
| Profit Before Tax | ₹2,486 Cr | ₹1,954 Cr | ₹1,361 Cr | ₹1,084 Cr | ₹1,207 Cr |
| Profit After Tax | ₹1,936 Cr | ₹1,508 Cr | ₹1,046 Cr | ₹836 Cr | ₹930 Cr |
| Consolidated Net Profit | ₹1,936 Cr | ₹1,508 Cr | ₹1,046 Cr | ₹836 Cr | ₹930 Cr |
| Earnings Per Share (Rs) | ₹74.49 | ₹58.06 | ₹61.94 | ₹49.61 | ₹55.26 |
| PAT Margin (%) | 25.26 | 21.39 | 16.02 | 13.50 | 12.23 |
| ROE(%) | 12.20 | 11.65 | 10.07 | 8.96 | 11.08 |
| ROCE(%) | 9.44 | 9.24 | 8.25 | 7.85 | 8.76 |
| Total Debt/Equity(x) | 3.71 | 3.69 | 4.89 | 5.40 | 6.71 |
Key Financials |
||
| Market Cap | : | ₹ 25,413.1 Cr |
| Revenue (TTM) | : | ₹ 8,167.6 Cr |
| Net Profit(TTM) | : | ₹ 2,148.7 Cr |
| EPS (TTM) | : | ₹ 82.5 |
| P/E (TTM) | : | 11.8 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| PNB HOUSING FINANCE | -0.5% | 5.8% | 13.6% |
| BAJAJ HOUSING FINANCE | -1.4% | -2.1% | -20.5% |
| HOUSING & URBAN DEVELOPMENT CORPORATION | -0.3% | 0.9% | 0.4% |
| LIC HOUSING FINANCE | 1.9% | 0.8% | -6.1% |
| AADHAR HOUSING FINANCE | -2.2% | -3.9% | 14.2% |
| APTUS VALUE HOUSING FINANCE INDIA | -3.5% | -6.8% | -2.5% |
| AAVAS FINANCIERS | -1.2% | -6.9% | -13.2% |
| SAMMAAN CAPITAL | -2.3% | -3.8% | -5.1% |
| HOME FIRST FINANCE COMPANY INDIA | 4.6% | -8.8% | 5.3% |
PNB HOUSING FINANCE Revenues
[BOM: 540173|NSE : PNBHOUSING]
| Y-o-Y | 8.73 % |
| 5 Yr CAGR | 0.20 % |
| Years | Revenues | % Change | |
|---|---|---|---|
| Mar2025 | ₹7,665 Cr | 8.73 | |
| Mar2024 | ₹7,050 Cr | 8.01 | |
| Mar2023 | ₹6,527 Cr | 5.35 | |
| Mar2022 | ₹6,196 Cr | -18.52 | |
| Mar2021 | ₹7,604 Cr | - | |
PNB HOUSING FINANCE Operating Profit
[BOM: 540173|NSE : PNBHOUSING]
| Y-o-Y | 14.13 % |
| 5 Yr CAGR | 2.25 % |
| Years | Operating Profit | % Change | |
|---|---|---|---|
| Mar2025 | ₹6,937 Cr | 14.13 | |
| Mar2024 | ₹6,078 Cr | 45.27 | |
| Mar2023 | ₹4,184 Cr | -19.49 | |
| Mar2022 | ₹5,197 Cr | -18.12 | |
| Mar2021 | ₹6,347 Cr | - | |
| Operating Margins | |
|---|---|
| Y-o-Y | 4.98 % |
| 5 Yr CAGR | 2.04 % |
| Years | Operating Margin% | % Change | |
|---|---|---|---|
| Mar2025 | 90.5% | 4.98 | |
| Mar2024 | 86.21% | 34.49 | |
| Mar2023 | 64.1% | -23.58 | |
| Mar2022 | 83.88% | 0.49 | |
| Mar2021 | 83.47% | - | |
PNB HOUSING FINANCE Profit After Tax
[BOM: 540173|NSE : PNBHOUSING]
| Y-o-Y | 28.39 % |
| 5 Yr CAGR | 20.12 % |
| Years | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2025 | ₹1,936 Cr | 28.39 | |
| Mar2024 | ₹1,508 Cr | 44.17 | |
| Mar2023 | ₹1,046 Cr | 25.05 | |
| Mar2022 | ₹836 Cr | -10.05 | |
| Mar2021 | ₹930 Cr | - | |
| PAT Margins | |
|---|---|
| Y-o-Y | 18.09 % |
| 5 Yr CAGR | 19.88 % |
| Years | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2025 | 25.26 % | 18.09 | |
| Mar2024 | 21.39 % | 33.52 | |
| Mar2023 | 16.02 % | 18.67 | |
| Mar2022 | 13.5 % | 10.38 | |
| Mar2021 | 12.23 % | - | |
PNB HOUSING FINANCE Earnings Per Share (EPS)
[BOM: 540173|NSE : PNBHOUSING]
| Y-o-Y | 28.30 % |
| 5 Yr CAGR | 7.75 % |
| Years | EPS | % Change | |
|---|---|---|---|
| Mar2025 | ₹74 | 28.30 | |
| Mar2024 | ₹58 | -6.26 | |
| Mar2023 | ₹62 | 24.85 | |
| Mar2022 | ₹50 | -10.22 | |
| Mar2021 | ₹55 | - | |
PNB HOUSING FINANCE Return on Capital Employed (ROCE)
[BOM: 540173|NSE : PNBHOUSING]
| Y-o-Y | 2.16 % |
| 5 Yr CAGR | 1.89 % |
| Years | ROCE | % Change | |
|---|---|---|---|
| Mar2025 | 9.44% | 2.16 | |
| Mar2024 | 9.24% | 12.00 | |
| Mar2023 | 8.25% | 5.10 | |
| Mar2022 | 7.85% | -10.39 | |
| Mar2021 | 8.76% | - | |
PNB HOUSING FINANCE Share Price vs Sensex
| Current Share Price | : | ₹975.6 |
| Current MarketCap | : | ₹ 25,413.1 Cr |
| Updated EOD on | : | Jan 14,2026 |
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| PNB HOUSING FINANCE | -0.5% |
5.8% |
13.6% |
| SENSEX | -1.9% |
-2.2% |
7.4% |
PNB HOUSING FINANCE related INDICES
| BSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| BSE ALLCAP | 6.4% | 8.9% | 7.5% |
| BSE MIDSMALLCAP | 4.7% | 9% | 8.4% |
| BSE FINANCIAL SERVICES | -1.5% | -0.6% | 17.7% |
| BSE 500 | -2.3% | -1.1% | 6.1% |
| BSE SMALLCAP SELECT INDEX | -2.9% | -0.4% | 1.2% |
| NSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| NIFTY MIDSMALL FINANCIAL SERVICES | -1% | 1.2% | 36.2% |
| NIFTY RURAL INDEX | -2% | -0.4% | 13.4% |
| NIFTY FINANCIAL SERVICES EX-BANK | -2.2% | -0.6% | 26% |
| NIFTY 500 | -2.3% | -1.1% | 6.5% |
| NIFTY TOTAL MARKET | -2.3% | -1.1% | 5.8% |
You may also like the below Video Courses
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 8.73% 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 28.30 % YoY .
Check out Intrinsic Value of Peers of PNB HOUSING FINANCE
Compare Stock Analytics of Peers of PNB HOUSING FINANCE
BAJAJ HOUSING FINANCE LTD vs HOUSING & URBAN DEVELOPMENT CORPORATION LTD vs LIC HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD vs AADHAR HOUSING FINANCE LTD vs
BAJAJ HOUSING FINANCE LTD vs HOUSING & URBAN DEVELOPMENT CORPORATION LTD vs LIC HOUSING FINANCE LTD
PNB HOUSING FINANCE LTD vs AADHAR HOUSING FINANCE LTD vs
