Pnb Housing Finance Ltd
PNBHOUSING
Finance
₹ 1,081
Price
₹ 28,120
Market Cap
Large Cap
14.43
P/E Ratio
📊 Score Snapshot
8.37 / 25
Performance
19.17 / 25
Valuation
1.33 / 20
Growth
7.0 / 30
Profitability
35.87 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | - | -200.00 | -92.45 | 217.99 | 233.23 | 303.06 | -647.80 | -620.27 |
| Adj Cash PAT | - | -5,192 | -2,399 | 5,648 | 6,029 | 7,831 | -16,668 | -15,873 |
| Adj Cash PAT To PAT | - | -3.40 | -2.27 | 6.87 | 6.54 | 11.49 | -15.42 | -18.85 |
| Adj Cash PE | - | - | - | 1.49 | 1.40 | 0.44 | - | - |
| Adj EPS | 74.99 | 58.81 | 40.69 | 31.72 | 35.67 | 26.37 | 42.01 | 32.90 |
| Adj Number Of Shares | 25.99 | 25.96 | 25.95 | 25.91 | 25.85 | 25.84 | 25.73 | 25.59 |
| Adj PE | 11.64 | 13.12 | 10.45 | 10.23 | 9.10 | 5.05 | 18.41 | 32.84 |
| Adj Peg | 0.42 | 0.29 | 0.37 | - | 0.26 | - | 0.66 | 0.55 |
| Bvps | 647.71 | 575.23 | 422.08 | 378.27 | 343.02 | 307.55 | 288.96 | 256.70 |
| Cash Revenue | - | 13,976 | 13,021 | 12,258 | 15,121 | 16,977 | 14,936 | 10,984 |
| Cash Revenue To Revenue | - | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 0.60 | - | - | - | - | - | 0.76 | 0.55 |
| Fcfe | - | -3,982 | -1,638 | -1,929 | -2,697 | 1,534 | -1,325 | -10,528 |
| Fcfe Margin | - | -28.49 | -12.58 | -15.74 | -17.84 | 9.04 | -8.87 | -95.85 |
| Fcfe To Adj PAT | - | -2.61 | -1.55 | -2.35 | -2.92 | 2.25 | -1.23 | -12.51 |
| Market Cap | 22,685 | 20,049 | 11,029 | 8,408 | 8,415 | 3,446 | 19,895 | 27,647 |
| PB | 1.35 | 1.34 | 1.01 | 0.86 | 0.95 | 0.43 | 2.68 | 4.21 |
| PE | 11.64 | 13.13 | 10.44 | 10.23 | 9.10 | 5.05 | 18.41 | 32.84 |
| Peg | 0.42 | 0.30 | 0.37 | - | 0.26 | - | 0.66 | 0.55 |
| PS | 2.97 | 1.43 | 0.85 | 0.68 | 0.56 | 0.20 | 1.33 | 2.52 |
| ROE | 12.27 | 11.80 | 10.17 | 8.80 | 10.97 | 8.86 | 15.44 | 13.86 |
| Share Price | 872.85 | 772.30 | 425.02 | 324.51 | 325.54 | 133.35 | 773.21 | 1,080 |
📊 Quarterly Results
| Metric | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2,030 | 3,846 | 3,736 | 3,626 | 3,602 | 3,496 | 3,532 | 3,398 | 3,254 | 3,574 | 3,344 | 2,808 | 2,828 | 1,482 |
| Interest | 1,178 | 1,158 | 1,119 | 1,097 | 1,070 | 1,087 | 1,058 | 1,048 | 1,008 | 997.00 | 964.00 | 930.00 | 931.00 | 998.00 |
| Expenses - | 125.00 | 149.00 | 130.00 | 153.00 | 156.00 | 206.00 | 190.00 | 187.00 | 261.00 | 409.00 | 356.00 | 149.00 | 247.00 | 224.00 |
| Financing Profit | 726.00 | 615.00 | 619.00 | 563.00 | 575.00 | 455.00 | 519.00 | 464.00 | 358.00 | 381.00 | 352.00 | 325.00 | 237.00 | 260.00 |
| Financing Margin % | 35.76 | 15.99 | 16.57 | 15.53 | 15.96 | 13.01 | 14.69 | 13.66 | 11.00 | 10.66 | 10.53 | 11.57 | 8.38 | 17.54 |
| Other Income - | 15.32 | 2.13 | 1.53 | 9.48 | 5.02 | 3.42 | 1.67 | 0.13 | 1.00 | 0.18 | -0.62 | 1.28 | 0.40 | 0.23 |
| Depreciation | 14.00 | 14.00 | 14.00 | 13.00 | 14.00 | 13.00 | 11.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 14.00 | 13.00 |
| Profit Before Tax | 727.00 | 603.00 | 607.00 | 559.00 | 566.00 | 445.00 | 509.00 | 451.00 | 346.00 | 369.00 | 338.00 | 313.00 | 223.00 | 248.00 |
| Tax % | 22.01 | 21.89 | 22.24 | 21.47 | 21.55 | 22.02 | 24.56 | 21.73 | 18.21 | 26.29 | 22.19 | 23.96 | 23.77 | 25.81 |
| Net Profit - | 567.00 | 471.00 | 472.00 | 439.00 | 444.00 | 347.00 | 384.00 | 353.00 | 283.00 | 272.00 | 263.00 | 238.00 | 170.00 | 184.00 |
| Profit For PE | 567.00 | 471.00 | 472.00 | 439.00 | 444.00 | 347.00 | 384.00 | 353.00 | 283.00 | 272.00 | 263.00 | 238.00 | 170.00 | 184.00 |
| Profit For EPS | 567.00 | 471.00 | 472.00 | 439.00 | 444.00 | 347.00 | 384.00 | 353.00 | 283.00 | 272.00 | 263.00 | 238.00 | 170.00 | 184.00 |
| EPS In Rs | 21.82 | 18.14 | 18.15 | 16.89 | 17.09 | 13.34 | 14.81 | 13.59 | 10.90 | 10.50 | 10.14 | 9.19 | 6.56 | 7.09 |
| PAT Margin % | 27.93 | 12.25 | 12.63 | 12.11 | 12.33 | 9.93 | 10.87 | 10.39 | 8.70 | 7.61 | 7.86 | 8.48 | 6.01 | 12.42 |
| PBT Margin | 35.81 | 15.68 | 16.25 | 15.42 | 15.71 | 12.73 | 14.41 | 13.27 | 10.63 | 10.32 | 10.11 | 11.15 | 7.89 | 16.73 |
| Tax | 160.00 | 132.00 | 135.00 | 120.00 | 122.00 | 98.00 | 125.00 | 98.00 | 63.00 | 97.00 | 75.00 | 75.00 | 53.00 | 64.00 |
| Yoy Profit Growth % | 28.00 | 36.00 | 23.00 | 24.00 | 57.00 | 27.00 | 46.00 | 48.00 | 66.00 | 48.00 | 13.00 | 1.00 | 31.00 | -18.00 |
| Adj PAT | 567.00 | 471.00 | 472.00 | 439.00 | 444.00 | 347.00 | 384.00 | 353.00 | 283.00 | 272.00 | 263.00 | 238.00 | 170.00 | 184.00 |
| Adj PAT Margin | 27.93 | 12.25 | 12.63 | 12.11 | 12.33 | 9.93 | 10.87 | 10.39 | 8.70 | 7.61 | 7.86 | 8.48 | 6.01 | 12.42 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 7,633 | 14,028 | 12,982 | 12,282 | 15,130 | 16,956 | 14,962 | 10,976 | 7,816 | 5,396 | 3,560 | 2,240 |
| Interest | 4,553 | 4,264 | 3,901 | 4,066 | 5,101 | 5,876 | 5,167 | 3,537 | 2,644 | 1,860 | 1,265 | 802.00 |
| Expenses - | 557.00 | 737.00 | 1,173 | 964.00 | 1,234 | 1,719 | 708.00 | 693.00 | 442.00 | 320.00 | 213.00 | 136.00 |
| Financing Profit | 2,523 | 2,013 | 1,416 | 1,111 | 1,230 | 884.00 | 1,606 | 1,258 | 822.00 | 518.00 | 303.00 | 183.00 |
| Financing Margin % | 33.05 | 14.35 | 10.91 | 9.05 | 8.13 | 5.21 | 10.73 | 11.46 | 10.52 | 9.60 | 8.51 | 8.17 |
| Other Income - | 28.46 | 10.24 | 1.84 | 4.83 | 18.78 | 7.60 | 3.74 | 0.63 | 0.15 | 0.75 | - | - |
| Exceptional Items | - | -0.25 | -0.19 | -0.19 | -3.71 | -0.61 | -0.12 | -0.17 | - | -0.12 | -0.22 | -0.26 |
| Depreciation | 56.00 | 51.00 | 51.00 | 53.00 | 59.00 | 66.00 | 31.00 | 24.00 | 19.00 | 15.00 | 8.00 | 3.00 |
| Profit Before Tax | 2,496 | 1,972 | 1,367 | 1,063 | 1,187 | 825.00 | 1,578 | 1,235 | 804.00 | 503.00 | 294.00 | 179.00 |
| Tax % | 21.92 | 22.57 | 22.75 | 22.67 | 22.07 | 17.33 | 31.50 | 31.82 | 34.83 | 35.19 | 34.01 | 27.37 |
| Net Profit - | 1,949 | 1,527 | 1,056 | 822.00 | 925.00 | 682.00 | 1,081 | 842.00 | 524.00 | 326.00 | 194.00 | 130.00 |
| Exceptional Items At | - | - | - | - | -2.00 | - | - | - | - | - | - | - |
| Profit For PE | 1,949 | 1,528 | 1,056 | 822.00 | 928.00 | 683.00 | 1,081 | 842.00 | 524.00 | 327.00 | 194.00 | 130.00 |
| Profit For EPS | 1,949 | 1,527 | 1,056 | 822.00 | 925.00 | 682.00 | 1,081 | 842.00 | 524.00 | 326.00 | 194.00 | 130.00 |
| EPS In Rs | 74.98 | 58.81 | 40.70 | 31.72 | 35.78 | 26.39 | 42.01 | 32.90 | 20.57 | - | - | - |
| Dividend Payout % | 7.00 | - | - | - | - | - | 14.00 | 18.00 | 19.00 | 13.00 | 16.00 | 15.00 |
| PAT Margin % | 25.53 | 10.89 | 8.13 | 6.69 | 6.11 | 4.02 | 7.22 | 7.67 | 6.70 | 6.04 | 5.45 | 5.80 |
| PBT Margin | 32.70 | 14.06 | 10.53 | 8.65 | 7.85 | 4.87 | 10.55 | 11.25 | 10.29 | 9.32 | 8.26 | 7.99 |
| Tax | 547.00 | 445.00 | 311.00 | 241.00 | 262.00 | 143.00 | 497.00 | 393.00 | 280.00 | 177.00 | 100.00 | 49.00 |
| Adj PAT | 1,949 | 1,527 | 1,056 | 821.85 | 922.11 | 681.50 | 1,081 | 841.88 | 524.00 | 325.92 | 193.85 | 129.81 |
| Adj PAT Margin | 25.53 | 10.88 | 8.13 | 6.69 | 6.09 | 4.02 | 7.22 | 7.67 | 6.70 | 6.04 | 5.45 | 5.80 |
🏦 Balance Sheet
| Metric | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 233.04 | - | 254.34 | 212.26 | 160.11 | 114.49 | 53.17 | 23.57 | 45.90 |
| Advance From Customers | - | 73.00 | - | 135.00 | 207.00 | 176.00 | 437.00 | 136.00 | - | - |
| Average Total Assets | 77,434 | 69,588 | - | 66,227 | 68,491 | 75,104 | 81,312 | 73,384 | 52,989 | 36,316 |
| Average Total Equity | 15,884 | 12,943 | - | 10,377 | 9,334 | 8,407 | 7,691 | 7,002 | 6,074 | 3,862 |
| Borrowing | 62,360 | 55,017 | - | 53,621 | 52,961 | 59,394 | 67,736 | 71,859 | 53,777 | 35,497 |
| Cwip | 5.00 | 15.00 | - | 3.00 | 4.00 | 2.00 | 4.00 | 5.00 | 10.00 | 2.00 |
| Cash Equivalents | 3,465 | 2,499 | 4,455 | 3,693 | 5,115 | 6,906 | 8,513 | 4,026 | 2,817 | 151.00 |
| Fixed Assets | 250.00 | 206.00 | 147.00 | 146.00 | 150.00 | 181.00 | 250.00 | 102.00 | 255.00 | 58.00 |
| Gross Block | - | 439.48 | - | 400.19 | 362.25 | 340.76 | 364.74 | 155.48 | 278.23 | 104.30 |
| Investments | 3,381 | 4,345 | 4,163 | 3,188 | 3,472 | 2,033 | 2,048 | 4,457 | 2,413 | 3,280 |
| Loans N Advances | 74,768 | 171.00 | - | 260.00 | 42.00 | 2.00 | 48.00 | 100.00 | 49.00 | 2,303 |
| Long Term Borrowings | - | - | 53,534 | - | - | - | 66,634 | 61,587 | 42,070 | 24,084 |
| Net Debt | -6,846 | 48,173 | 44,916 | 46,740 | 44,374 | 50,455 | 57,175 | 63,376 | 48,547 | 32,066 |
| Other Asset Items | 578.00 | 65,082 | 61,479 | 59,515 | 56,828 | 62,193 | 68,005 | 75,032 | 57,474 | 37,165 |
| Other Borrowings | - | 55,017 | - | 53,621 | 52,961 | 59,394 | - | - | - | 3,466 |
| Other Liability Items | 3,278 | 2,302 | 2,567 | 2,052 | 2,653 | 2,868 | 2,671 | 4,189 | 2,549 | 1,792 |
| Reserves | 16,574 | 14,673 | 13,895 | 10,784 | 9,632 | 8,699 | 7,779 | 7,268 | 6,402 | 5,412 |
| Share Capital | 260.00 | 260.00 | 260.00 | 169.00 | 169.00 | 168.00 | 168.00 | 167.00 | 167.00 | 166.00 |
| Short Term Borrowings | - | - | - | - | - | - | 1,102 | 10,272 | 11,707 | 7,947 |
| Short Term Loans And Advances | - | - | - | - | - | - | - | - | - | 2,101 |
| Total Assets | 82,497 | 72,371 | 70,272 | 66,805 | 65,649 | 71,333 | 78,874 | 83,750 | 63,018 | 42,960 |
| Total Borrowings | - | 55,017 | 53,534 | 53,621 | 52,961 | 59,394 | 67,736 | 71,859 | 53,777 | 35,497 |
| Total Equity | 16,834 | 14,933 | 14,155 | 10,953 | 9,801 | 8,867 | 7,947 | 7,435 | 6,569 | 5,578 |
| Total Equity And Liabilities | 82,497 | 72,371 | 70,272 | 66,805 | 65,649 | 71,333 | 78,874 | 83,750 | 63,018 | 42,960 |
| Total Liabilities | 65,663 | 57,438 | 56,117 | 55,852 | 55,848 | 62,466 | 70,927 | 76,315 | 56,449 | 37,382 |
| Trade Payables | 25.00 | 47.00 | 15.00 | 44.00 | 27.00 | 28.00 | 84.00 | 132.00 | 124.00 | 94.00 |
| Trade Receivables | 50.00 | 52.00 | 28.00 | - | 39.00 | 15.00 | 6.00 | 27.00 | - | - |
💵 Cash Flows
| Metric | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 4,179 | 301.00 | -6,732 | -8,177 | -4,362 | 17,888 | 18,464 | 12,322 |
| Cash From Investing Activity | -1,193 | 174.00 | -1,476 | 5.00 | -62.00 | -53.00 | -50.00 | -17.00 |
| Cash From Operating Activity | -4,644 | -1,772 | 6,216 | 6,566 | 8,911 | -16,626 | -15,664 | -12,406 |
| Cash Paid For Loan Advances | -6,392 | -3,082 | 4,722 | 5,162 | 6,444 | -17,346 | -18,703 | -10,840 |
| Cash Paid For Purchase Of Fixed Assets | -39.00 | -15.00 | -14.00 | -8.00 | -64.00 | -58.00 | -42.00 | -17.00 |
| Cash Paid For Purchase Of Investments | -1,155 | - | -1,461 | - | - | - | - | - |
| Cash Paid For Redemption Of Debentures | -1,399 | -2,560 | -4,673 | -8,746 | -7,308 | -530.00 | - | -190.00 |
| Cash Paid For Repayment Of Borrowings | -30,794 | -14,687 | -23,045 | -22,029 | -17,982 | -43,460 | - | - |
| Cash Paid Towards Cwip | - | - | -1.00 | 2.00 | 1.00 | 5.00 | -8.00 | - |
| Cash Received From Borrowings | 31,940 | 17,822 | 19,648 | 20,306 | 15,990 | 57,914 | 5,371 | 3,100 |
| Cash Received From Issue Of Debentures | 1,451 | 150.00 | 455.00 | 1,690 | 3,000 | 1,441 | - | 5,381 |
| Cash Received From Issue Of Shares | 2,468 | 7.00 | 11.00 | 3.00 | 24.00 | 30.00 | 32.00 | 3,000 |
| Cash Received From Sale Of Investments | - | 188.00 | - | 11.00 | - | - | - | - |
| Change In Other Working Capital Items | -277.23 | -429.64 | 128.65 | 10.19 | 733.60 | -384.58 | 1,949 | -2,239 |
| Change In Payables | 2.97 | 17.33 | -0.66 | -55.74 | -48.62 | 8.50 | 31.48 | 18.32 |
| Change In Receivables | -52.25 | 39.05 | -23.99 | -9.19 | 20.90 | -26.41 | 7.68 | - |
| Change In Working Capital | -6,719 | -3,455 | 4,826 | 5,107 | 7,150 | -17,749 | -16,715 | -13,060 |
| Direct Taxes Paid | -346.54 | -297.07 | -345.81 | -305.18 | -320.58 | -497.50 | -473.44 | -271.93 |
| Dividends Paid | - | - | - | - | -160.00 | -182.00 | -120.00 | -49.00 |
| Interest Paid | -4,182 | -3,981 | -4,405 | -5,220 | - | - | - | - |
| Net Cash Flow | -1,659 | -1,297 | -1,992 | -1,606 | 4,486 | 1,209 | 2,751 | -101.00 |
| Other Cash Financing Items Paid | -33.00 | -431.00 | -32.00 | -33.00 | -35.00 | - | 11,641 | 1,080 |
| Other Cash Investing Items Paid | 545.00 | - | 903.00 | 631.00 | 2,109 | 2,676 | 1,540 | - |
| Other Cash Operating Items Paid | - | - | - | - | - | - | - | - |
| Profit From Operations | 6,604 | 5,961 | 6,141 | 6,984 | 2,082 | 1,621 | 1,524 | 925.54 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Pnbhousing | 2025-03-31 | - | 21.45 | 29.88 | 20.57 | 0.00 |
| Pnbhousing | 2024-12-31 | - | 24.34 | 26.85 | 20.69 | 0.00 |
| Pnbhousing | 2024-09-30 | - | 20.42 | 22.17 | 29.29 | 0.00 |
| Pnbhousing | 2024-06-30 | - | 17.89 | 10.95 | 43.04 | 0.00 |
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