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PNB Housing Fin Key Ratios

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NSE: PNBHOUSING | BSE: 540173

₹1,166.00

up-down-arrow ₹20.50 (1.79%)

As on 04-Sep-2026 15:58IST

Market cap

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₹30,397 Cr

Revenue (TTM)

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₹8,692 Cr

P/E Ratio

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13.1

P/B Ratio

info icon

1.5

Div. Yield

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0.7 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 3.75 9.02 9.77 8.40 8.08
EBIT -2.61 7.23 11.31 13.74 6.16
Net Profit -15.01 4.47 11.08 8.50 27.74
EPS -15.03 4.28 13.40 18.67 14.54
Book Value -- -- 13.74 11.02 11.06
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-26Mar-25
EBIT-Margin info 87.7982.7193.2989.1887.25
Net Margin info 23.9119.7526.6525.7424.16
Return on equity info 12.3711.1212.4512.7412.20
Return on Assets info 2.442.012.632.592.48

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
--
9.41
9.44
9.24
8.25
Peer Median
--
9.41
10.02
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

12.45

Lower than Peers by 2.07

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
12.45
12.74
12.20
11.65
10.07
Peer Median
14.52
14.41
14.69
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

2.63

Lower than Peers by 0.24

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
2.63
2.59
2.48
2.16
1.58
Peer Median
2.87
2.72
2.70
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

93.29

Higher than Peers by 4.68

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
93.29
89.18
87.25
85.48
63.31
Peer Median
88.61
81.80
86.67
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

26.65

Higher than Peers by 0.89

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
26.65
25.74
24.16
20.83
13.66
Peer Median
25.76
25.74
24.94
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

--

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
--
27.72
25.99
22.12
16.81
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

9.77

Lower than Peers by 5.90

Year on year growth in net sales

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
9.77
10.95
8.73
8.01
5.35
Peer Median
15.67
16.34
18.42
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

11.31

Lower than Peers by 6.06

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
11.31
13.41
10.97
45.84
-19.66
Peer Median
17.36
15.62
20.13
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

11.08

Lower than Peers by 10.48

Year on year growth in profit after tax

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
11.08
18.34
28.39
44.17
25.05
Peer Median
21.56
20.23
22.21
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

13.40

Lower than Peers by 5.12

Year on year growth in earnings per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
13.40
18.06
28.29
13.21
24.86
Peer Median
18.52
20.42
19.77
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
--
14.01
12.62
36.16
11.69
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
--
3.71
3.71
3.69
4.89
Peer Median
--
3.13
3.55
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
--
1.20
1.33
1.50
0.58
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

1.26

Lower than Peers by 0.03

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
1.26
0.16
0.19
0.20
0.75
Peer Median
1.29
0.40
0.51
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

1.26

Lower than Peers by 0.03

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
1.26
0.16
0.19
0.20
0.86
Peer Median
1.29
1.26
1.30
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

1.59

No difference

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
1.59
1.59
1.55
1.46
1.35
Peer Median
1.59
1.59
1.60
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

13.13

Higher than Peers by 0.04

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
13.13
8.61
11.84
10.84
6.86
Peer Median
13.09
13.82
21.74
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

1.54

Lower than Peers by 0.04

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
1.54
1.03
1.36
1.09
0.79
Peer Median
1.59
1.73
2.88
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

0.69

Lower than Peers by 0.16

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
0.69
1.06
0.57
--
--
Peer Median
0.84
0.70
0.52
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

12.02

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
12.02
10.88
11.51
10.97
11.01
Peer Median
--
12.86
16.45
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

30,397

Higher than Peers by 12,492

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
PNB Housing Fin
30,397
19,717
22,919
16,344
8,669
Peer Median
17,905
17,905
15,598
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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