PNB Housing Finance Ltd
NSE: PNBHOUSING BSE: 540173
₹819.95
(1.93)%
Tue, 03 Feb 2026, 09:46 am
Market Cap214.13B
PE Ratio9.79
Dividend0.61
Finance
Finance/Rental/Leasing
24.5KAnalysis
dividend
- Dividends after 3 years are expected to be thoroughly covered by earnings (7.5x coverage).
- Unable to calculate sustainability of dividends as PNB Housing Finance has not reported any payouts.
- Unable to evaluate PNB Housing Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
- Unable to evaluate PNB Housing Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.
future
- PNB Housing Finance's earnings growth is expected to exceed the low risk savings rate of 7.2%.
- PNB Housing Finance's earnings are expected to exceed the low risk growth rate next year.
- PNB Housing Finance's earnings are expected to increase by more than the low risk growth rate in 3 years time.
- PNB Housing Finance's net income is expected to increase by more than 50% in 2 years time.
- An improvement in PNB Housing Finance's performance (ROE) is expected over the next 3 years.
- PNB Housing Finance's earnings are expected to grow by 16.7% yearly, however this is not considered high growth (20% yearly).
- PNB Housing Finance's earnings growth is positive but not above the India market average.
- PNB Housing Finance is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
- Performance (ROE) is not expected to exceed the current IN Mortgage industry average.
- PNB Housing Finance's revenue is expected to decrease over the next 2 years.
- PNB Housing Finance's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.
- PNB Housing Finance's revenues are expected to decrease over the next 1-3 years, this is below the India market average.
health
- PNB Housing Finance's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
- PNB Housing Finance reports no customer deposits, loans are made up entirely of borrowed funds.
management
- The tenure for the PNB Housing Finance board of directors is about average.
- PNB Housing Finance individual insiders have only sold shares in the past 3 months.
misc
- PNB Housing Finance has significant price volatility in the past 3 months.
past
- PNB Housing Finance has delivered over 20% year on year earnings growth in the past 5 years.
- PNB Housing Finance's 1-year earnings growth is negative, it can't be compared to the 5-year average.
- PNB Housing Finance used its assets less efficiently than the IN Mortgage industry average last year based on Return on Assets.
- PNB Housing Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- PNB Housing Finance's 1-year earnings growth is negative, it can't be compared to the IN Mortgage industry average.
value
- PNB Housing Finance is good value based on assets compared to the IN Mortgage industry average.
- PNB Housing Finance is good value based on expected growth next year.
- PNB Housing Finance is good value based on earnings compared to the IN Mortgage industry average.
- PNB Housing Finance is good value based on earnings compared to the India market.
- NSEI:PNBHOUSING is up 13.6% outperforming the Mortgage industry which returned 7.7% over the past month.
- NSEI:PNBHOUSING is up 13.6% outperforming the market in India which returned 8% over the past month.
- PNB Housing Finance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- PNB Housing Finance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- PNBHOUSING underperformed the Mortgage industry which returned -26.3% over the past year.
- PNBHOUSING underperformed the Market in India which returned -14.5% over the past year.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800