PNB Housing Finance Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from PNB Housing Finance Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 42% in 3 years; of every extra ₹100 of sales, ₹116 became extra profit. Higher than 94% of Financial Services companies in India.
- Shareholder Slice Ratio: Share count rose 28% in 3 years, so each share's slice of the company became smaller. Bigger rise in share count than 90% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 83% of Financial Services companies in India.
Growth Efficiency Ratio
₹116Sales grew 42% in 3 years; of every extra ₹100 of sales, ₹116 became extra profit.
Higher than 94% of Financial Services companies in India.
Asset Productivity Ratio
+42% / +40%In 3 years sales changed by +42% while total assets changed by +40%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 64% of Financial Services companies in India.
Tangible Net Worth Ratio
100%Of every ₹100 of net worth, ₹100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 59% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
PNB Housing Finance Limited owes ₹0.79 for every ₹1 it owns. Net profit rose 18% in the year to Mar 2026, and grew 30% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
12.3Investors pay ₹12.3 for every ₹1 of PNB Housing Finance Limited's yearly profit, lower than 60% of Financial Services companies in India.
P/B ratio
1.48The share price is 1.48 times PNB Housing Finance Limited's book value per share, higher than 51% of Financial Services companies in India.
Market cap
₹28,404 CrThe total market value of all of PNB Housing Finance Limited's shares at today's price (share price × number of shares), larger than 73% of Financial Services companies in India. PosiCap size class: Meso Cap.
Net worth (book value)
₹19,219 CrWhat PNB Housing Finance Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹736.92Net worth divided by the number of shares. The share price of ₹1,089 is 1.5 times this, which is the P/B above.
Return on equity (ROE)
12.0%PNB Housing Finance Limited earned 12.0% on its shareholders' money over the last year, higher than 54% of Financial Services companies in India.
Owes vs Owns
0.79×PNB Housing Finance Limited owes ₹0.79 for every ₹1 it owns (moderate), higher than 66% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
0.69%PNB Housing Finance Limited pays 0.69% of its share price as dividends a year, lower than 60% of dividend-paying Financial Services companies in India.
Revenue growth
+22%Revenue rose 22% in the year to Mar 2026, and grew 12% a year on average over 3 years.
Profit growth
+18%Net profit rose 18% in the year to Mar 2026, and grew 30% a year on average over 3 years.
Profit margin
63.3%PNB Housing Finance Limited keeps ₹63 of every ₹100 of revenue as net profit.
Questions
What is PNB Housing Finance Limited's P/E ratio?
Investors pay ₹12.3 for every ₹1 of PNB Housing Finance Limited's yearly profit, lower than 60% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For PNB Housing Finance Limited: ₹28,404 Cr ÷ ₹19,219 Cr (31 Mar 2026) = 1.5.
What is PNB Housing Finance Limited's return on equity?
PNB Housing Finance Limited earned 12.0% on its shareholders' money over the last year, higher than 54% of Financial Services companies in India.
How much does PNB Housing Finance Limited owe compared with what it owns?
PNB Housing Finance Limited owes ₹0.79 for every ₹1 it owns (moderate), higher than 66% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does PNB Housing Finance Limited pay a dividend?
Yes. PNB Housing Finance Limited pays 0.69% of its share price as dividends a year, lower than 60% of dividend-paying Financial Services companies in India.
Is PNB Housing Finance Limited's revenue growing?
Revenue rose 22% in the year to Mar 2026, and grew 12% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.