Pnb Housing Finance Limited - Technical chart

consolidated in Rs/Cr.

Industry

Industry name

Finance
Variance

Full Year Net Profit Variance

18
Equity

Latest Equity

260.59
Face Value

Latest Face Value

10
Reserves

Total Reserve

18958.58
Dividend

Full Year Dividend %

80
Sales Turnover

Full Year Net Sales

8505.04
Net Profit

Full Year Net Profit

2291.24
Full Year CPS

Full Year Cash Per Share

90.5
Earning Per Share

Full Year Earning Per Share

87.9
Quarter CPS

Latest quarter Cash Per Share

0
Latest Quarter Date

Latest Quarter Yrc

Mar 1, 2026
Latest Quarter Sales

Latest Quarter Net Sales

2171.91
Previous EPS

Previous earnings per share

0
Book Value

Book value

737.5
Networth

Full Year Return on Networth

12.16
Price/Book Value

Price to Book value

1.434576
Yearly PE ratio

Full Year Price to Earning per share

12
Yearly PC ratio

Full Year Price to Cash Per Share

11.7
Bse value

BSE Value in lakhs

137.98
Nse value

NSE Value in lakhs

4531.56
High

52 week high

1132
Low

52 week low

730
Price

NSE Current market price

1058
CPM

Current market price

1058
Market cap

BSE / NSE Market Cap

27569.11
Net profit

Latest Quarter Net Profit

655.8
Net profit variance

Latest Quarter Net Profit variance

19
Result year

Trailing latest month

Mar 1, 2026
TTM Sales

Trailing Twelve 12 month Net Sales

7281.71
TTM OP

Trailing Twelve 12 month Operating Profit

6585.2
TTM OPM

Trailing Twelve 12 month Operating Profit Margin

90.43
TTM GP

Trailing Twelve 12 month Gross Profit

3037.09
TTM GPM

Trailing Twelve 12 month Gross Profit Margin

35.71
TTM NP

Trailing Twelve 12 month Net Profit

1680.18
TTM NPV

Trailing Twelve 12 month Net Profit Variane

18.34
TTM EPS

Trailing Twelve 12 month EPS

87.93
TTM PE

Trailing Twelve 12 month PE

12.03
TTM CPS

Trailing Twelve 12 month CPS

0
Month CPS

Month Cash Per Share

0
TTM Depreciation

Trailing Twelve 12 month Depreciation

54.43
Equity

Latest Equity

260.59
LTP

Latest Price (BSE/NSE)

1058
Gross block

Latest Gross Block

490.61
Loans

Total loans

22530.15
Advances

Latest Advances for Banks

0
Net profit asset

Latest Assets

522.36
Year OPM

Full Year Operating Profit Margin

94.5
Year GPM

Full Year Gross Profit Margin

35.7
Quarter OPM

Latest quater Operation Profit Margin

97.6

Quarterly Results (consolidated, figures in Rs Cr.)

Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
+ Sales 1,823 1,879 1,942 2,022 2,076 2,128 2,119 2,182
YOY Sales Growth % 7% 6% 11% 12% 14% 13% 9% 8%
Gross Sales 1,823 1,879 1,942 2,022 2,076 2,128 2,119 2,182
+ Expenses 168 143 155 133 145 88 183 52
Manufacturing Cost % 4% 4% 5% 5% 4% 4% 4% 5%
Employee Cost % 6% 6% 5% 5% 6% 5% 6% 6%
Other Cost % -1% -2% -2% -3% -3% -5% -2% -8%
Other Manufacturing Expenses % 4% 4% 5% 5% 4% 4% 4% 5%
Provisions & Contingencies % -1% -2% -2% -3% -3% -5% -2% -8%
Operating Expenses (Fin.) % 0% 11% 11% 0% 0% 10% 11% 11%
Operating Profit 1,655 1,736 1,787 1,889 1,931 2,040 1,936 2,129
OPM % 91% 92% 92% 93% 93% 96% 91% 98%
+ Other Income 9 1 1 15 6 3 2 -10
Miscellaneous Income 9 1 1 15 6 3 2 -10
Interest 1,097 1,119 1,158 1,178 1,234 1,267 1,253 1,246
Depreciation 13 14 14 14 15 16 16 19
Profit before tax 554 605 616 711 688 760 668 855
+ Tax % 22% 22% 22% 23% 22% 23% 22% 23%
Current Tax 146 125 131 168 132 148 144 157
Deferred Tax -24 10 1 -8 22 30 4 42
+ Net Profit 433 470 483 550 534 582 520 656
Net Profit After Minority Interest 433 470 483 550 534 582 520 656
EPS in Rs 16.66 18.08 18.60 21.18 20.52 22.34 19.97 25.17

Profit & Loss (consolidated, figures in Rs Cr.)

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
+ Sales 3,908 5,489 7,679 8,482 7,604 6,196 6,527 7,053 7,685 8,500
Sales Growth % 40% 40% 10% -10% -19% 5% 8% 9% 11%
Gross Sales 3,908 5,488 7,679 8,482 7,604 6,196 6,527 7,050 7,665 8,505
+ Expenses 442 694 751 1,738 1,257 999 1,219 791 599 477
Manufacturing Cost % 0% 2% 1% 0% 0% 1% 1% 1% 1% 1%
Employee Cost % 3% 3% 4% 3% 3% 3% 4% 5% 5% 5%
Other Cost % 9% 8% 5% 17% 13% 12% 14% 5% 1% -0%
Power & Fuel % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Other Manufacturing Expenses % 0% 2% 1% 0% 0% 0% 1% 1% 1% 1%
Selling & Administration % 3% 3% 2% 2% 1% 2% 2% 2% 3% 3%
Miscellaneous Expenses % 5% 5% 3% 16% 12% 10% 12% 3% -2% -4%
Provisions & Contingencies % 3% 5% 2% 15% 11% 9% 11% 2% -2% -5%
Operating Expenses (Fin.) % 0% 0% 0% 0% 0% 0% 2% 5% 5% 8%
Operating Profit 3,466 4,795 6,928 6,744 6,347 5,197 5,309 6,262 7,087 8,023
OPM % 89% 87% 90% 80% 83% 84% 81% 89% 92% 94%
+ Other Income 0 1 4 8 20 5 2 4 7 14
Miscellaneous Income 0 1 4 8 20 5 2 7 26 1
Interest 2,644 3,537 5,167 5,875 5,100 4,065 3,900 4,263 4,552 5,002
Depreciation 19 24 31 66 59 53 51 51 56 66
Profit before tax 804 1,235 1,734 811 1,207 1,084 1,361 1,954 2,486 2,971
+ Tax % 35% 32% 31% 20% 23% 23% 23% 23% 22% 23%
Current Tax 264 438 503 389 413 249 88 423 570 577
Deferred Tax 16 -44 39 -224 -136 -2 227 23 -20 99
+ Net Profit 524 842 1,192 646 930 836 1,046 1,508 1,936 2,291
Profit Growth % 61% 41% -46% 44% -10% 25% 44% 28% 18%
Net Profit After Minority Interest 0 841 1,192 646 930 836 1,046 1,508 1,936 0
EPS in Rs 50.49 71.15 38.42 55.26 49.61 61.94 58.06 74.49

Balance Sheet (consolidated, figures in Rs Cr.)

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 166 167 167 168 168 169 169 260 260 261
Reserves 5,412 6,401 7,376 7,830 8,755 9,703 10,845 14,715 16,603 18,965
+ Borrowings 35,497 53,777 71,859 67,735 59,392 53,005 53,621 55,017 62,310 71,199
Secured Borrowings 19,901 30,828 48,544 49,759 40,103 32,618 33,069 31,439 39,779 48,985
Unsecured Borrowings 15,596 22,949 23,315 17,977 19,290 20,387 20,553 23,577 22,530 22,214
+ Other Liabilities -34,559 -54,494 -69,822 -63,431 -57,568 -52,483 -55,601 -61,694 -71,298 -83,449
Current Liabilities 1,660 1,031 4,466 3,197 3,077 2,853 2,512 2,661 3,583 3,361
Provisions 28 19 25 19 81 17 18 20 22 42
Equity Application Money 0 0 0 0 0 0 0 0 0 0
Other liability items 346 1,639 0 0 0 0 0 0 0 0
Total Liabilities 6,516 5,850 9,581 12,302 10,747 10,394 9,034 8,297 7,875 6,976
+ Fixed Assets 58 76 103 251 181 150 146 207 239 273
Gross Block 104 100 156 366 342 363 402 441 491 527
Accumulated Depreciation 46 24 53 115 161 213 255 234 251 254
CWIP 2 10 5 4 2 4 3 15 16 6
Investments 3,280 2,413 4,561 2,076 2,045 3,483 3,196 4,346 3,381 2,777
+ Other Assets 3,176 3,351 4,912 9,971 8,519 6,757 5,688 3,729 4,239 3,919
Trade receivables 0 0 39 45 45 43 13 51 50 47
Cash Equivalents 151 2,817 4,034 8,514 6,969 5,216 3,796 2,607 3,600 3,239
Loans n Advances 2,867 335 839 1,412 1,505 1,498 2,152 1,317 825 886
Other asset items 157 199 0 0 0 0 -273 -247 -236 -252
Total Assets 6,516 5,850 9,581 12,302 10,747 10,394 9,034 8,297 7,875 6,976

Cash Flow (consolidated, figures in Rs Cr.)

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
+ Cash from Operating Activity -12,406 -15,664 -16,617 8,929 6,792 6,256 -1,865 -4,662 -8,057 -8,973
Profit from Operations 1,525 1,748 2,083 1,944 6,118 5,979 6,711 7,472
Working Capital Changes -16,714 -17,794 7,189 5,144 4,683 -3,559 -6,834 -10,656
Profit Before Tax & Extraordinary Items 804 1,235 1,734 811 1,207 1,084 1,361 1,954 2,486 3,004
Depreciation 19 24 31 66 59 53 51 51 56 66
Interest (Net) 0 0 11 47 -8 4,158 3,884 4,250 4,401 4,870
Dividend Received 0 0 0 0 0 0 0 0 0 -50
Profit / Loss on Sale of Assets 0 0 0 1 4 0 0 0 0 1
Profit / Loss on Sale of Investments 0 71 0 0 0 0 0 0 0 0
Provisions & Write-offs (Net) 103 285 188 1,307 888 584 741 270 289 -199
Receivables 0 8 -39 -6 0 2 30 -39 1 3
Trade Payables 18 27 8 -40 25 -2 14 -11 -2 -10
Loans & Advances -10,840 -18,701 -17,280 6,431 5,151 4,769 -3,082 -6,491 -10,531 -11,590
Interest Paid (Net) 0 0 0 0 0 -4,185 -3,980 -4,181 -4,478 -5,091
Direct Taxes Paid -272 -474 -571 -344 -296 -360 -304 -358 -394 -567
+ Cash from Investing Activity -17 -50 -54 -63 -6 -1,475 176 -1,186 757 736
Purchase of Fixed Assets -17 -42 -59 -64 -8 -14 -15 -39 -49 -33
Sale of Fixed Assets 0 0 0 0 0 0 0 0 1 1
Purchase of Investments 0 0 0 0 0 -1,460 0 -1,147 0 0
Sale of Investments 0 0 0 0 0 0 190 0 806 718
Capital WIP 0 -8 5 1 2 -1 0 0 0 0
Dividend Received 0 0 0 0 0 0 0 0 0 50
+ Cash from Financing Activity 12,322 18,464 17,888 -4,386 -8,332 -6,684 301 4,179 7,404 8,720
Proceeds from Issue of Shares 3,000 32 30 24 3 11 7 2,468 7 28
Proceeds from Issue of Debentures 5,381 0 1,441 3,000 1,690 455 150 1,451 2,230 2,325
Proceeds from Bank Borrowings 3,100 5,371 24,339 15,990 18,027 19,698 17,772 21,885 35,668 35,959
Proceeds from Short-Term Borrowings 0 0 33,575 0 2,125 0 50 10,055 15,044 14,320
Proceeds from Deposits 0 1,540 2,676 2,108 631 901 0 545 0 408
Redemption of Debentures -190 0 -530 -7,308 -8,746 -4,673 -2,560 -1,399 -1,605 -710
Repayment of Long-Term Borrowings 0 0 -7,435 -10,448 -20,613 -21,920 -14,637 -24,044 -28,591 -27,984
Repayment of Short-Term Borrowings 0 0 -36,025 -7,534 -1,416 -1,125 -50 -6,750 -15,150 -15,450
Repayment of Financial Liabilities 0 0 0 -35 -33 -32 -36 -33 -38 -46
Dividend Paid -49 -120 -182 -182 0 0 0 0 0 -130
Others 1,080 11,641 0 0 0 0 -395 0 -162 0
Net Cash Flow -101 2,751 1,217 4,480 -1,546 -1,903 -1,388 -1,669 104 483