PNB Housing Finance Limited (NSE:PNBHOUSING)

PNB Housing Finance Statistics

Total Valuation

NSE:PNBHOUSING has a market cap or net worth of INR 259.64 billion.

Market Cap	259.64B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, July 23, 2026.

Earnings Date	Jul 23, 2026
Ex-Dividend Date	n/a

Share Statistics

NSE:PNBHOUSING has 260.55 million shares outstanding. The number of shares has increased by 0.08% in one year.

Current Share Class	260.55M
Shares Outstanding	260.55M
Shares Change (YoY)	+0.08%
Shares Change (QoQ)	+0.03%
Owned by Insiders (%)	0.00%
Owned by Institutions (%)	48.87%
Float	175.57M

Valuation Ratios

The trailing PE ratio is 11.35 and the forward PE ratio is 10.65. NSE:PNBHOUSING's PEG ratio is 1.38.

PE Ratio	11.35
Forward PE	10.65
PS Ratio	6.67
PB Ratio	1.35
P/TBV Ratio	1.35
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	1.38

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 4.98, with a Debt / Equity ratio of 2.77.

Current Ratio	4.98
Quick Ratio	4.98
Debt / Equity	2.77
Debt / EBITDA	n/a
Debt / FCF	-5.91
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.70% and return on invested capital (ROIC) is 3.33%.

Return on Equity (ROE)	12.70%
Return on Assets (ROA)	2.60%
Return on Invested Capital (ROIC)	3.33%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.05%
Revenue Per Employee	18.11M
Profits Per Employee	10.66M
Employee Count	2,149
Asset Turnover	0.04
Inventory Turnover	n/a

Taxes

In the past 12 months, NSE:PNBHOUSING has paid 6.79 billion in taxes.

Income Tax	6.79B
Effective Tax Rate	22.87%

Stock Price Statistics

The stock price has decreased by -4.63% in the last 52 weeks. The beta is 0.36, so NSE:PNBHOUSING's price volatility has been lower than the market average.

Beta (5Y)	0.36
52-Week Price Change	-4.63%
50-Day Moving Average	953.74
200-Day Moving Average	889.36
Relative Strength Index (RSI)	43.28
Average Volume (20 Days)	972,508

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, NSE:PNBHOUSING had revenue of INR 38.91 billion and earned 22.91 billion in profits. Earnings per share was 87.80.

Revenue	38.91B
Gross Profit	38.80B
Operating Income	29.71B
Pretax Income	29.71B
Net Income	22.91B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	87.80

Balance Sheet

The company has 36.10 billion in cash and 533.17 billion in debt, with a net cash position of -497.08 billion or -1,907.80 per share.

Cash & Cash Equivalents	36.10B
Total Debt	533.17B
Net Cash	-497.08B
Net Cash Per Share	-1,907.80
Equity (Book Value)	192.19B
Book Value Per Share	737.64
Working Capital	720.08B

Cash Flow

In the last 12 months, operating cash flow was -89.84 billion and capital expenditures -330.60 million, giving a free cash flow of -90.17 billion.

Operating Cash Flow	-89.84B
Capital Expenditures	-330.60M
Depreciation & Amortization	664.80M
Net Borrowing	84.13B
Free Cash Flow	-90.17B
FCF Per Share	-346.06

Margins

Gross margin is 99.71%, with operating and profit margins of 76.35% and 58.89%.

Gross Margin	99.71%
Operating Margin	76.35%
Pretax Margin	76.35%
Profit Margin	58.89%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 8.00, which amounts to a dividend yield of 0.80%.

Dividend Per Share	8.00
Dividend Yield	0.80%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	5.68%
Buyback Yield	-0.08%
Shareholder Yield	0.72%
Earnings Yield	8.82%
FCF Yield	-34.73%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4