Flash Finance

PNB Housing Finance LimitedPNBHOUSINGBank / NBFC

Financial Services Mortgage Finance Latest results: Jun 2026 15 quarters of data
Consolidated Standalone
₹1,167.70
MCap ₹30,454 Cr · P/E 13.2
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹2,263 Cr
Interest Earned · Jun 2026
+14.3% YoY
₹718 Cr
Operating Profit · Jun 2026
+13.7% YoY
₹557 Cr
Net Profit · Jun 2026
+4.5% YoY
₹21.39
EPS · Jun 2026
+4.2% YoY
—
Gross NPA % · Jun 2026
—
Net NPA % · Jun 2026

📝 PNB Housing Finance Limited — results explained

Quarter ended June 2026 (Q1 FY27)

PNB Housing Finance Limited reported total income of ₹2,265 crore for the quarter ended June 2026 (Q1 FY27), up 8.8% from ₹2,082 crore in the same quarter last year, and up 4.3% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹2,263 crore and other income ₹2 crore. Net interest income (interest earned minus interest expended of ₹1,339 crore) worked out to ₹925 crore.

Net profit rose 4.5% year-on-year to ₹557 crore, from ₹534 crore. Earnings per share (EPS) came in at ₹21.39.

Full year and trailing twelve months

For the full year FY26, PNB Housing Finance Limited posted total income of ₹8,505 crore, a growth of 10.6% over FY25, with a net profit of ₹2,291 crore (up 18.4% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹8,689 crore with a net profit of ₹2,315 crore.

Valuation snapshot

At the current price of ₹1,167.70, PNBHOUSING has a market capitalisation of ₹30,454 crore and a trailing P/E of about 13.2.

Within the Mortgage Finance industry, it is the 3rd-largest of the 7 companies we track by market value.

Shareholding pattern

As of Jun 2026, promoters held 28.03%, foreign institutional investors (FIIs) 16.81%, domestic institutional investors (DIIs) 45.71%, the government 0.02%, public shareholders 9.42% of PNB Housing Finance Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹30,454 Cr
Current Price ?
₹1,167.7
P/E ?
13.15above ind
Industry P/E ?
12.20
P/B ?
1.58
P/S ?
3.51
P/FCF ?
-3.38
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.44
Earnings Yield ?
7.6%
Dividend Yield ?
0.43%
Profitability & Returns
Total Income (TTM) ?
₹8,689 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹2,315 Cr
EPS (TTM) ?
₹88.77
ROCE ?
N/A
ROE ?
12.0%
ROA ?
2.5%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹2,265 Cr
PAT — latest qtr ?
₹557 Cr
YoY qtr sales growth ?
8.8%
YoY qtr profit growth ?
4.5%
Sales growth (3y) ?
9%
Sales growth (5y) ?
2%
Profit growth (3y) ?
30%
Profit growth (5y) ?
20%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
28.03%
Change in promoter holding ?
-0.05%
Pledged percentage ?
N/A
Market
Return 3 months ?
6.2%
Return 6 months ?
26.4%

🗓️ Quarterly results (15 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 1,7141,5891,6671,7031,6801,6931,7391,7801,8481,9061,9802,0172,0192,1822,263 +14.3% +3.7%
Other Income 8348417776121939995131102113101-102 -98.1% +119.2%
Total Income 1,7971,6381,7081,7791,7561,8141,8321,8801,9432,0372,0822,1312,1212,1722,265 +8.8% +4.3%
Interest Expended 9961,0081,0481,0571,0871,0701,0971,1181,1581,1781,2341,2671,2531,2461,339 +8.4% +7.4%
Operating Profit 622487507552499566542559580646632646628—718 +13.7% —
Provisions 2551456145597-12-46-36-65-56-113-41—— — —
Profit Before Tax 367342447507440560554605616711688760668855718 +4.4% -16.0%
Net Profit 269279347383338439433470483550534582520656557 +4.5% -15.0%
EPS 15.9516.5213.6414.7613.0416.9116.6618.0818.6021.1820.5222.3419.9725.1721.39 +4.2% -15.0%
Gross NPA % — 3.83% 3.76% 1.78% 1.73% 1.50% 1.35% 1.24% 1.19% 1.08% 1.06% 1.04% 1.04% 0.93% — — —
Net NPA % — 2.76% 2.58% 1.19% 1.14% 0.95% 0.92% 0.84% 0.80% 0.69% 0.69% 0.69% 0.68% 0.57% — — —
Capital Adequacy Ratio — — — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹7,274 Cr ₹8,199 Cr ₹8,482 Cr +12.7%
Other Income ₹418 Cr ₹306 Cr ₹206 Cr -26.8%
Total Income ₹7,692 Cr ₹8,505 Cr ₹8,689 Cr +10.6%
Interest Expended ₹4,551 Cr ₹5,000 Cr ₹5,104 Cr +9.9%
Net Interest Income ₹2,722 Cr ₹3,199 Cr ₹3,378 Cr +17.5%
Operating Profit ₹2,327 Cr ₹1,906 Cr ₹1,993 Cr -18.1%
Provisions ₹-159 Cr ₹-210 Cr ₹-154 Cr -32.4%
Profit Before Tax ₹2,486 Cr ₹2,971 Cr ₹3,002 Cr +19.5%
Tax ₹550 Cr ₹481 Cr ₹487 Cr -12.6%
Net Profit ₹1,936 Cr ₹2,291 Cr ₹2,315 Cr +18.4%
EPS ₹74.52 ₹88.00 ₹88.87 +18.1%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 169260260261 +0.4%
Reserves 10,84514,71516,60318,959 +14.2%
Borrowing 53,62155,01762,31071,199 +14.3%
Other Liabilities 2,2382,4143,3483,094 -7.6%
Total Liabilities 66,87472,40582,52093,512 +13.3%
Fixed Assets 146207239279 +16.7%
CWIP 315161 -93.8%
Investments 3,1964,3463,3812,779 -17.8%
Other Assets 63,52867,83778,88490,453 +14.7%
Total Assets 66,87472,40582,52093,512 +13.3%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -1,865-4,662-8,057-8,984 -11.5%
Cash from Investing Activity 176-1,186757684 -9.6%
Cash from Financing Activity 3014,1797,4048,720 +17.8%
Net Cash Flow -1,388-1,669104421 +304.8%
Free Cash Flow -1,880-4,701-8,106-9,016 -11.2%
CFO/OP -29%-69%-108%-48% +55.6%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 10%12%12%13% +8.3%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 % Chg
Promoters 28.08%28.04%28.04%28.04%28.03% -0.0%
FIIs 24.18%18.61%17.22%16.60%16.81% +1.3%
DIIs 37.99%40.68%43.02%44.07%45.71% +3.7%
Government 0.01%0.01%0.02%0.02%0.02% +0.0%
Public 9.74%12.65%11.69%11.28%9.42% -16.5%
No. of Shareholders 1,87,5262,24,1831,99,9301,92,5121,71,742 -10.8%

⚖️ Peer comparison

Industry: Mortgage Finance · 7 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 BAJAJHFL BAJAJ HOUSING ₹84.14 70,077 25.0 12,103 2,806 23.5% 23.2% 16.6% 18.3% 18.0% 17.7%
2 LICHSGFIN LIC Housing ₹562.90 30,963 5.4 28,696 5,740 13.2% 20.0% 2.7% 3.0% -2.2% 9.9%
3 PNBHOUSING PNB Housing ₹1,155.50 30,136 13.0 8,689 2,315 22.9% 26.6% 10.6% 18.4% 8.8% 4.5%
4 AADHARHFC AADHAR HOUSING ₹439.15 19,252 16.7 3,833 1,141 29.0% 29.8% 18.6% 20.2% 17.1% 19.0%
5 SAMMAANCAP Sammaan Capital ₹148.00 17,001 — 963 -7,478 142.6% -776.4% -80.8% -234.7% -30.2% —
6 APTUS Aptus Value ₹218.79 10,958 11.1 2,326 985 41.4% 42.3% 24.5% 25.5% 15.2% 19.0%
7 CANFINHOME Can Fin ₹779.00 10,373 9.0 4,377 1,153 23.9% 26.3% 8.7% 26.7% 7.8% 9.2%
❓ Frequently asked questions
What was PNB Housing Finance Limited's total income in Q1 FY27?
PNB Housing Finance Limited reported total income of ₹2,265 crore for the quarter ended June 2026 (Q1 FY27), up 8.8% from ₹2,082 crore in the same quarter last year, and up 4.3% sequentially over the March 2026 quarter.
What was PNB Housing Finance Limited's net profit in Q1 FY27?
Net profit rose 4.5% year-on-year to ₹557 crore, from ₹534 crore. Earnings per share (EPS) came in at ₹21.39.
What is PNBHOUSING's market capitalisation and P/E ratio?
At the current price of ₹1,167.70, PNBHOUSING has a market capitalisation of ₹30,454 crore and a trailing P/E of about 13.2.
Who owns PNB Housing Finance Limited? (shareholding pattern)
As of Jun 2026, promoters held 28.03%, foreign institutional investors (FIIs) 16.81%, domestic institutional investors (DIIs) 45.71%, the government 0.02%, public shareholders 9.42% of PNB Housing Finance Limited.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI