PNBHOUSING
Small CapPNB Housing Finance Limited
Financial Services
PNB Housing Finance Limited operates in Housing Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
One read, four checks
75+ is strong, 60-74 is usable, 45-59 is mixed, and below 45 needs caution. These are research lenses, not buy/sell instructions.
Weak fundamentals, management trust needs verification, price trend is neutral, and recent execution is consistent.
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
low confidence · 1/4 claims checked
Timing lens: price trend and sector relative strength.
Rolling lens: recent quarterly delivery, not the latest single-result score.
Quarter ended 31 Mar 2026
Average · 45/100Rev +8% YoY · PAT +19% YoY · operating leverage
| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹2,182 Cr | +7.9% | +3.0% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹656 Cr | +19.3% | +26.1% |
| PAT margin | 30.1% | +286 bps | +552 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Issuer evidence available
PNB Housing Finance Limited operates in Housing Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 31 Mar 2026. Management claims from the latest issuer document are tracked in the accountability section below.
What management said, and what results must prove
Issuer guidance and extracted claims are tracked against later reported outcomes. Treat these as management statements, not IndiaPulse forecasts.
Extracted source claims
The company expects to add 40 to 50 new branches annually to deepen its presence in Tier 2 and Tier 3 cities, aligned with long-term growth ambitions.
"we expect to add 40 to 50 new branches annually"
PNB Housing Finance will continue to maintain its opex to ATA guidance, keeping it range-bound between 1% to 1.1%.
"We continue to maintain our opex to ATA guidance of being range-bound between 1% to 1.1%"
PNB Housing Finance will continue its guidance of retail loan book growth in the range of 17% to 18%, with a higher focus on Emerging Markets and Affordable segments.
"we will continue the guidance of retail book growth in the range of 17% to 18%"
Outcome check: Revenue YoY averaged 7.9% across 1 later quarter(s).
Affordable segment disbursement is expected to revert back to its growth trajectory in Q4 FY26, after recalibration in challenging geographies.
"we expect affordable disbursement to revert back to growth trajectory of Q4 FY26"
Trend score and candlestick chart
59NeutralSMA20 +26.1% / mo
Technical chart
PNBHOUSINGweekly · 1Y-6.3%Technical trend read
Mixed signalsSignals are conflicting — long-term trend unclear. RSI 53. Wait for confirmation.
- SMA20 rising (~20.7% over last month) — short-term momentum positive.
- RSI(14) at 53 — falling, no extreme reading.
- MACD below signal, histogram expanding negatively — bearish momentum building.
- 13% off 52W high · 36% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Valuation, score drivers, trust methodology, financials, and peers
Use these sections after reviewing the decision summary, latest result, thesis, management accountability, and technical timing above.
Fundamental score breakdown
WATCHLISTWhy this score?
Top U-Score contributors and drags from the latest stored fundamentals.
Positive drivers
- Fair-value margin of safety is positive at 66.0%.
- Valuation contributes 23/30 to the score.
- Growth contributes 15/25 to the score.
Main drags
- Altman Z is 0.6, in distress territory.
- Balance sheet is weaker at 0/15; verify the latest quarterly trend.
- Quality is weaker at 1/20; verify the latest quarterly trend.
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Score history
12 stored score snapshots. Latest stored move: +1 points.
Factor attribution
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Mixed Trust: Management has 100% delivered/partly-delivered outcomes on 1 checked claims. It ranks around the 15th percentile of the scored universe and 29th percentile within Financial Services. Main check: balance sheet trust is weak at 22/100.
Mixed Trust Lite: Promoter pledge is zero. Key concern: Operating cash flow is negative at ₹-8984 Cr.
Usable, but needs evidence. Treat guidance with a margin of safety.
overall median 67 · Financial Services: 29th pctile, median 62 · Small: 17th pctile, median 65
191 documents indexed, but claim history is not strong enough yet.
1/4 claims checked · No contradicted claim yet
How to read this Trust Score
Mixed Trust · low confidenceRead Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Trust positives
- ▸Promoter pledge is zero.
- ▸4/4 latest quarters had positive YoY revenue growth.
- ▸4/4 latest quarters had positive YoY PAT growth.
- ▸Latest 3 quarters had positive YoY PAT growth.
Trust risks
- ▸Operating cash flow is negative at ₹-8984 Cr.
- ▸Debt/equity is 3.70.
- ▸Altman Z is 0.56.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Intrinsic value
Fundamentals
Valuation
- P/E
- 11.00
- P/B
- 1.31
- EV/EBITDA
- 1461.68
- Market Cap
- 25272.00Cr
Profitability
- ROE
- 12.70%
- ROCE
- 9.40%
- ROA
- 2.45%
- Dividend Y
- 0.52%
Growth (CAGR)
- Revenue 5Y
- 2.00%
- EPS 5Y
- 20.00%
- Revenue 3Y
- 9.00%
- EPS 3Y
- 30.00%
Balance Sheet
- Debt/Equity
- 3.70
- Interest Coverage
- —
- Altman Z
- 0.56
- Book Value
- 738.00
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 3/5
- OCF
- -8984.00 Cr
- EPS TTM
- 87.94
Shareholding
- Promoter Hold
- 28.04%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 58%
Financial History
Updated 9/6/2026
Revenue
₹ CrNet Profit
₹ CrReturn on Equity
%Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.