PNB Housing Finance Ltd (PNBHOUSING) — shareholding pattern, promoter holding, financials and share price
About PNB Housing Finance Ltd (PNBHOUSING)
PNB Housing Finance Ltd operates in the Housing Finance Company industry, within the Financial Services sector. It trades on the NSE as PNBHOUSING and on the BSE under scrip code 540173. Its ISIN is INE572E01012.
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]
PNB Housing Finance Limited is a deposit-taking housing finance company promoted by Punjab National Bank that provides individual housing loans, non-housing loans, LAP, developer and corporate housing finance, with a pan‑India branch network focused on Affordable, Emerging Markets and Prime segments.
FY26 momentum: retail loan assets grew 16% YoY to INR 86,946 crore, AUM reached INR 90,921 crore and retail disbursements hit a Q4 all‑time high of INR 9,020 crore, reflecting strong execution across segments and a notable rebound in Affordable disbursements and Emerging Markets growth.
Listed peers in Housing Finance Company: LIC Housing Finance Ltd, Aadhar Housing Finance Ltd, Sammaan Capital Ltd, Aptus Value Housing Finance India Ltd, Home First Finance Company India Ltd, Can Fin Homes Ltd.
Valuation & Returns
10 Jul 2026At ₹1,110 a share on 10 Jul 2026, PNB Housing Finance Ltd (PNBHOUSING) was valued at a price-to-earnings ratio of 12.62x against an industry P/E of 19.5x and a price-to-book of 1.72x on a book value of ₹647.11 per share as of Mar 2025. Solomo computes return on equity of 13.59% and return on capital employed of 8.8% from filed results. Earnings ratios use consolidated results for the twelve months Jun 2025 to Mar 2026.
- P/E
- 12.62x
- Industry P/E
- 19.5x
- P/B
- 1.72x
- EPS (TTM)
- ₹87.93
- Book value / share
- ₹647.11
- ROE
- 13.59%
- ROCE
- 8.8%
- ROA
- 2.78%
- Debt / equity
- 3.7x
- EBITDA margin
- 94.51%
- 52-week range
- ₹730 – ₹1,119
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2026In the year ended Mar 2026, PNB Housing Finance Ltd (PNBHOUSING) reported revenue of ₹8,505 crore, net profit of ₹2,291 crore and earnings per share of ₹87.94. That compares with revenue of ₹7,685 crore and net profit of ₹1,936 crore in Mar 2025. Figures are consolidated, as filed with the exchanges.
In the quarter ended Mar 2026, revenue was ₹2,182 crore and net profit ₹656 crore (consolidated).
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 6,196 | 6,527 | 7,053 | 7,685 | 8,505 |
| Net profit (₹ cr) | 836 | 1,046 | 1,508 | 1,936 | 2,291 |
| EPS (₹) | 32.28 | 40.31 | 58.06 | 74.49 | 87.94 |
| Measure | 10Y | 5Y | 3Y | 1Y |
|---|---|---|---|---|
| Sales growth | 12.25% | -2.08% | 7.52% | 8.97% |
| Profit growth | 21.96% | 23.36% | 33.35% | 28.39% |
| Stock price CAGR | - | 13% | 20% | -1% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 28.03% of PNB Housing Finance Ltd (PNBHOUSING) (down 0.01 pp QoQ), foreign institutional investors (FII) hold 16.81% and domestic institutional investors (DII) hold 45.71%. Market capitalisation was ₹28,925 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Dec 2016.
Largest disclosed public shareholders in Jun 2026: Aditya Birla Sun Life Trustee Private Limited A/C - Aditya Birla Sun Life Large Cap Fund 3.47%, Hsbc Mutual Fund - Hsbc Value Fund 3.35%, Icici Prudential Focus Equity Fund 2.85%, Sbi Life Insurance Co. Ltd 2.52%, Pi Opportunities Aif V Llp 2.41%, Hdfc Mutual Fund - Hdfc Multi Cap Fund 2.38%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 28.03% | - | 16.81% | 45.71% | 71.97% |
| Mar 2026 | 28.04% | - | 16.6% | 44.07% | 71.96% |
| Dec 2025 | 28.04% | - | 17.22% | 43.03% | 71.96% |
| Sep 2025 | 28.04% | - | 18.61% | 40.69% | 71.96% |
| Jun 2025 | 28.08% | - | 24.18% | 37.99% | 71.92% |
| Mar 2025 | 28.1% | - | 21.44% | 29.87% | 71.9% |
| Dec 2024 | 28.11% | - | 24.34% | 26.86% | 71.89% |
| Sep 2024 | 28.11% | - | 20.42% | 22.18% | 71.89% |