PNB Housing Finance Ltd.
PNBHOUSING · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹1,624.79.
Piotroski F-score 2/9 — quality of earnings & balance sheet.
Investability checklist
- ✕ROE above 15%12.7%
- ✕Low debt (D/E < 0.5)2.77x
- ✕Positive free cash flow
- ✓Revenue growth > 10%22%
- ✓Earnings growing19%
- ✓Net margin ≥ 10%58.9%
- ✓Current ratio > 1.54.98
- ✓Below our fair value
- ✓Margin of safety ≥ 20%
- ✓Above 200-day average
- ✓Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 72/9
1-year price
EOD · 2026-06-15Our scores
Key fundamentals
SWOT snapshot
Strengths
- •Healthy profit margin (58.9%).
Weaknesses
- •High debt relative to equity.
- •Weak Piotroski score (2/9).
Opportunities
- •Earnings growing (19% YoY).
- •Revenue growing (22% YoY).
- •Trading in our value buy zone versus sector peers.
- •Trades ~100% below our estimated fair value.
About PNB Housing Finance Ltd.
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.
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Our 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.