PNB Housing Finance Limited
Valuation (90/100) does the heavy lifting; quality (64/100) is the drag.
Buy zoneStocksWizard rates PNB Housing Finance Limited a Strong Buy, scoring 75/100 on our blended model. At ₹1,053.1 it trades below our blended DCF and relative-multiples fair value of ₹1,506.86, about 43% upside to that estimate — we read it as undervalued by 43%. On 11.9x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 5% below its 52-week high of ₹1,113.61 and 41% above the low of ₹744.94. Financial health scores 76/100, with a Piotroski F-score of 2/9. The average analyst target of ₹1,192.08 implies about 13% upside across 12 analysts. It clears 8 of 12 investability checks, with durability 64, valuation 80 and momentum 73 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹1,205.49.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-5.43% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy75Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 12.7%
- Fail: Low debt (D/E < 0.5): 2.77x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 22%
- Pass: Earnings growing: 19%
- Pass: Net margin ≥ 10%: 58.9%
- Pass: Current ratio > 1.5: 4.98
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter28.0%
- Institutions57.4%
- Public & other14.6%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (58.9%).
Opportunities
- Earnings growing (19% YoY).
- Revenue growing (22% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~43% below our estimated fair value.
Bear case
Weaknesses
- High debt relative to equity.
- Weak Piotroski score (2/9).
About PNB Housing Finance Limited
PNB Housing Finance Limited, incorporated in 1988 and headquartered in Gurugram, provides housing finance in India. It offers loans to individuals and corporate entities for residential and commercial property purchase, construction, repair, and upgradation, along with residential plot loans, NRI loans, property-backed loans, lease rental discounting, developer financing, home loans, and fixed deposit products.
PNB Housing Finance Limited — frequently asked questions
Is PNB Housing Finance Limited a buy, hold or sell?
StocksWizard currently rates PNB Housing Finance Limited (PNBHOUSING) a Strong Buy, based on a blended score of 75/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is PNB Housing Finance Limited's fair value?
Our blended DCF and relative-valuation model estimates PNB Housing Finance Limited's fair value at about ₹1,506.86, versus a current price of ₹1,053.1 — roughly 43% upside. On that basis the stock looks undervalued by 43%.
Is PNB Housing Finance Limited financially healthy?
PNB Housing Finance Limited scores 76/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has PNB Housing Finance Limited's share price performed?
PNB Housing Finance Limited is up 2% over three months, and last traded at ₹1,053.1. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.