profit from every ₹100 of sales.
₹0₹100
PNB Housing Finance
₹1,116.80-1.76% today
+22.1% in 1 year
1-year low ₹750.401-year high ₹1,222.00
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹12.71 for every ₹1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What PNB Housing Finance sold, what it kept, and what it did with the cash.
Sales went from ₹25.4 billion in 2023 to ₹34.9 billion in 2026, with ₹22.9 billion of profit last year.
SalesProfit
PNB Housing Finance vs. similar companies
PNB Housing Finance grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| PNB Housing Finance | 12.7× · Cheap | ||
 Rocket Companies | No profit yet | ||
 LIC Housing Finance | 5.7× · Cheap | ||
 PennyMac Financial Services | 6.3× · Cheap | ||
 UWM | 89.8× · Very expensive |
AI analysis
An AI analyst reads PNB Housing Finance's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 25,411 | 27,836 | 31,264 | 34,935 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 10,460 | 15,080 | 19,361 | 22,912 | |
| 53.16 | 58.20 | 74.25 | – | |
| – | – | – | – | |
| – | – | – | – | |
| 41.2% | 54.2% | 61.9% | 65.6% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 668,737 | 724,049 | 825,204 | 935,121 |
| Cash | 37,885 | 26,073 | 36,215 | 33,392 |
| Total debt | 364,819 | 373,913 | 448,138 | 531,432 |
| Total liabilities | 558,598 | 574,304 | 656,572 | 742,929 |
| 110,139 | 149,744 | 168,631 | 192,191 | |
| 197 | 259 | 261 | – | |
| – | – | – | – | |
| 9.5% | 10.1% | 11.5% | 11.9% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| -18,650 | -46,615 | -80,573 | -89,836 | |
| 149 | 393 | 491 | 331 | |
| -18,799 | -47,008 | -81,064 | -90,166 | |
| Dividends paid | – | – | – | 1,302 |
| – | – | – | – | |
| 120 | 145 | 177 | 219 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.7×
- –
- –
- 1.5×
- 8.3×
- 7.9%
- 0.4%
Profitability
- 65.6%
- –
- –
- –
- –
Growth
- +11.2%
- –
- –
- +9.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 44%of 883
Top 44%of 880
Bottom 5%of 929
0.4%of the share price, paid each year
On $1,000 invested$4a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
5.7% of its profit
Room to growStretchedMore than it earnsNews
New York City needs 700,000 new homes to ease housing shortage, report findsSeeking Alpha · Nov 10, 2026Ventas Q3 earnings, revenue beat on senior housing organic growthSeeking Alpha · Oct 27, 2026Wedbush assumes coverage of five housing-related stocks after recent underperformanceSeeking Alpha · Oct 22, 2026It’s a rough housing market. Goldman Sachs expects it to get worse.MarketWatch · Oct 20, 2026Meet the baby chasers — they’re transforming the housing market and solving the childcare crisisMarketWatch · Oct 15, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about PNB Housing Finance
Is PNB Housing Finance a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the PNB Housing Finance AI analysis
What does PNB Housing Finance do?
PNB Housing Finance Limited operates as a housing finance company in India. It is in Mortgage Finance, based in Gurugram, India.
Does PNB Housing Finance pay a dividend?
Yes. At today's price the dividend is 0.4% a year, about 6% of its yearly profit. In 2026 it paid out ₹1.30 billion in dividends.
Is PNB Housing Finance stock halal?
No. PNB Housing Finance does not pass our halal screen: its main business, an impermissible business, is not permitted. How we check
How has PNB Housing Finance stock done over the past year?
Up 22.1% over the past twelve months, to ₹1,116.80. It traded between ₹750.40 and ₹1,222.00 and is 8.6% below its high.
Who are PNB Housing Finance's competitors?
The largest listed companies in the same industry are Rocket Companies, LIC Housing Finance, PennyMac Financial Services and UWM. The peers table on this page compares their profit, growth and price with PNB Housing Finance's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.