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 13.0
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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.
₹2,252 Cr
Interest Earned · Jun 2026
+14.4% YoY
₹715 Cr
Operating Profit · Jun 2026
+13.6% YoY
₹554 Cr
Net Profit · Jun 2026
+4.3% YoY
₹21.28
EPS · Jun 2026
+4.1% 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 ₹2,255 crore for the quarter ended June 2026 (Q1 FY27), up 8.9% from ₹2,071 crore in the same quarter last year, and up 4.4% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹2,252 crore and other income ₹3 crore. Net interest income (interest earned minus interest expended of ₹1,339 crore) worked out to ₹913 crore.

Net profit rose 4.3% year-on-year to ₹554 crore, from ₹532 crore. Earnings per share (EPS) came in at ₹21.28.

Full year and trailing twelve months

For the full year FY26, PNB Housing Finance Limited posted total income of ₹8,515 crore, a growth of 11.1% over FY25, with a net profit of ₹2,328 crore (up 19.5% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹8,700 crore with a net profit of ₹2,351 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 13.0.

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 ?
12.95above ind
Industry P/E ?
12.20
P/B ?
1.58
P/S ?
3.50
P/FCF ?
-3.38
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.43
Earnings Yield ?
7.7%
Dividend Yield ?
0.43%
Profitability & Returns
Total Income (TTM) ?
₹8,700 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹2,351 Cr
EPS (TTM) ?
₹90.14
ROCE ?
N/A
ROE ?
12.2%
ROA ?
2.5%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹2,255 Cr
PAT — latest qtr ?
₹554 Cr
YoY qtr sales growth ?
8.9%
YoY qtr profit growth ?
4.3%
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 1,7071,5811,6581,6911,6731,6841,7281,7691,8291,9141,9682,0082,0102,1702,252 +14.4% +3.8%
Other Income 80474176791229410095131102164102-93 -97.2% +131.9%
Total Income 1,7871,6281,6991,7681,7511,8061,8221,8691,9252,0452,0712,1722,1122,1612,255 +8.9% +4.4%
Interest Expended 9971,0081,0481,0581,0871,0701,0971,1191,1581,1781,2351,2671,2531,2461,339 +8.5% +7.5%
Operating Profit 624491512554504573547561567663629691628—715 +13.6% —
Provisions 2551456045597-12-46-36-65-56-113-41—— — —
Profit Before Tax 369346451509445566559607603727686804669846715 +4.2% -15.5%
Net Profit 272283353384347444439472471567532626521649554 +4.3% -14.6%
EPS 16.1416.7413.8514.8113.3517.0916.8918.1618.1421.8220.4524.0620.0024.9021.28 +4.1% -14.5%
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 ₹7,241 Cr ₹8,156 Cr ₹8,440 Cr +12.6%
Other Income ₹420 Cr ₹359 Cr ₹259 Cr -14.6%
Total Income ₹7,661 Cr ₹8,515 Cr ₹8,700 Cr +11.1%
Interest Expended ₹4,553 Cr ₹5,001 Cr ₹5,106 Cr +9.9%
Net Interest Income ₹2,689 Cr ₹3,155 Cr ₹3,335 Cr +17.3%
Operating Profit ₹2,337 Cr ₹1,948 Cr ₹2,033 Cr -16.7%
Provisions ₹-159 Cr ₹-210 Cr ₹-154 Cr -32.4%
Profit Before Tax ₹2,496 Cr ₹3,004 Cr ₹3,033 Cr +20.4%
Tax ₹547 Cr ₹479 Cr ₹485 Cr -12.4%
Net Profit ₹1,949 Cr ₹2,328 Cr ₹2,351 Cr +19.5%
EPS ₹75.01 ₹89.41 ₹90.24 +19.2%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 169260260261 +0.4%
Reserves 10,78414,67316,57418,965 +14.4%
Borrowing 53,62155,01762,31053,143 -14.7%
Other Liabilities 2,2312,4223,35321,164 +531.2%
Total Liabilities 66,80572,37182,49793,533 +13.4%
Fixed Assets 146206239278 +16.3%
CWIP 315161 -93.8%
Investments 3,1884,3453,3812,777 -17.9%
Other Assets 63,46867,80478,86190,477 +14.7%
Total Assets 66,80572,37182,49793,533 +13.4%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -1,772-4,644-8,120-8,973 -10.5%
Cash from Investing Activity 174-1,193757736 -2.8%
Cash from Financing Activity 3014,1797,4048,720 +17.8%
Net Cash Flow -1,297-1,65941483 +1078.0%
Free Cash Flow -1,786-4,683-8,168-9,005 -10.2%
CFO/OP -28%-68%-109%-48% +56.0%

➗ 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 ₹2,255 crore for the quarter ended June 2026 (Q1 FY27), up 8.9% from ₹2,071 crore in the same quarter last year, and up 4.4% sequentially over the March 2026 quarter.
What was PNB Housing Finance Limited's net profit in Q1 FY27?
Net profit rose 4.3% year-on-year to ₹554 crore, from ₹532 crore. Earnings per share (EPS) came in at ₹21.28.
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 13.0.
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