PNB Housing Finance Limited (PNBHOUSING) Fair Value & Analysis
Financial Services · IN · Market cap ₹275B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated today
Share price +7.2% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹750.75 – ₹1,100 · fair‑value band ₹715.68 – ₹1,707 · the ₹1,064 price screens below the ₹1,143 fair value. As of Jul 3, 2026.
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PNB Housing Finance Limited (PNBHOUSING) currently trades at ₹1,064, while our model-based Fair Value estimate is ₹1,143 — implying the stock looks roughly 7.4% undervalued today. We read business quality at 51/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
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 Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
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; and home loans and fixed deposit products. The company was incorporated in 1988 and is based in Gurugram, India.
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.
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Similar stocks
6 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $16.65 | $30.59 | +84% |
| Rocket Companies, Inc RKT | $13.34 | $3.90 | -71% |
| Federal National Mortgage Association FNMAS | $11.65 | $23.30 | +100% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.14 | ₹52.91 | -37% |
| PennyMac Financial Services, Inc PFSI | $79.81 | $125.45 | +57% |
| LIC Housing Finance Limited LICHSGFIN | ₹553.70 | ₹1,107 | +100% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.