PNB Housing Finance Limited (PNBHOUSING) Fair Value & Analysis
Financial Services · IN · Market cap ₹275B (≈ $2.9B) · ISIN INE572E01012
What is PNB Housing Finance Limited really worth?
Below-average quality, and trading another 53% above our fair value of ₹762.89.
Strengths
Risks
For context
Fair value as of: Aug 13, 2026
From 13 valuation models · updated 22 days ago
Share price +4.0% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder.
- A fairly wide model range (₹659.52 to ₹1,429) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹311.21 – ₹1,185 · fair‑value band ₹659.52 – ₹1,429 · the ₹1,166 price screens above the ₹762.89 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
PNB Housing Finance Limited (PNBHOUSING) currently trades at ₹1,166, while our model-based Fair Value estimate is ₹762.89, implying the stock looks roughly 52.8% overvalued today. The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector. Bull case: the Earnings-Based group reads highest at a median of ₹1,084 per share, and 2 of the 13 models we run sit above the ₹1,166 price. Bear case: the Growth DCF group reads lowest at ₹83.41, and 11 of the 13 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, PNB Housing Finance Limited generated revenue of ₹38.9B at a net margin of 58.9%. Revenue grew 21.6% year over year. It earns a return on equity of 12.7%. Net debt stands at ₹498B. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹659.52 (bear case) to ₹1,429 (bull case); at ₹1,166, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 60% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −19% fair-value upside, at −35%, PNBHOUSING screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2026 figures, and about 5 months have passed since. In that time the company retained roughly ₹34.56 per share, which is 4.5 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 13 models by family
Widest divergence: Earnings-Based (₹1,084) versus Growth DCF (₹83.41). Highest evidence: Rev-Margin DCF (69).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 43 · Market factors (momentum, volatility) 86
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
PNB Housing Finance Limited operates as a housing finance company in India. It provides loans to individuals and corporate bodies for purchase, construction, repair, and up-gradation of houses/flats/commercial properties, etc.; residential plot loans and loans for NRIs; loan against property, lease rental discounting, and loans for real estate developers; …
Full company description
PNB Housing Finance Limited operates as a housing finance company in India. It provides loans to individuals and corporate bodies for purchase, construction, repair, and up-gradation of houses/flats/commercial properties, etc.; residential plot loans and loans for NRIs; loan against property, lease rental discounting, and loans for real estate developers; and home loans and fixed deposit products. The company was incorporated in 1988 and is based in Gurugram, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
PNB Housing Finance Limited reported revenue of ₹85.1B in FY2026 versus ₹61.8B in FY2022, a compound +8.3%/yr. Reported net income was ₹22.9B in FY2026, compounding +28.6%/yr from FY2022.
of which total revenue +12.2 % · buybacks/dilution −5.1 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
PNBHOUSING screens 53% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Mortgage Finance · 92 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $15.00 | $30.00 | +100% |
| Rocket Companies, Inc RKT | $13.03 | $8.26 | −37% |
| Federal National Mortgage Association FNMAS | $10.06 | $2.01 | −80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.06 | ₹39.96 | −52% |
| PennyMac Financial Services, Inc PFSI | $70.78 | $125.45 | +77% |
| UWM Holdings UWMC | $1.46 | $0.1600 | −89% |
| LIC Housing Finance Limited LICHSGFIN | ₹502.00 | ₹1,004 | +100% |
| Aadhar Housing Finance Limited AADHARHFC | ₹471.10 | ₹325.75 | −31% |
| Walker & Dunlop, Inc WD | $39.71 | $32.25 | −19% |
| Aptus Value Housing Finance India Limited APTUS | ₹258.50 | ₹244.80 | −5% |
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