PNB Housing Finance - Public Comps and Valuation Multiples

PNB Housing Finance Overview

About PNB Housing Finance

PNB Housing Finance Ltd is an India-based housing finance company. It is engaged in the business of providing loans for the purchase, construction, repairs, and renovations of houses, flats, and commercial properties. The company also provides loans for commercial space, loans against property, and loans for the purchase of residential plots. Geographically, it operates only in India. It generates revenue in the form of Interest income, and Fees and commission income.

Founded

1988

HQ

Employees

2.1K+

Website

pnbhousing.com

Sectors

Lending Solutions

Financials

LTM Revenue $385M

Last FY EBITDA n/a

EV

$7.5B

Valuation Multiples

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PNB Housing Finance Financials

As of September 2025, PNB Housing Finance reported last 12-month revenue of $385M.

In the same period, PNB Housing Finance achieved $235M in LTM net income.

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PNB Housing Finance P&L

In the most recent fiscal year, PNB Housing Finance reported revenue of $334M.

PNB Housing Finance expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$385M	XXX	$334M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	$287M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	75%	XXX	n/a	XXX	XXX	XXX
Net Profit	$235M	XXX	$218M	XXX	XXX	XXX
Net Margin	61%	XXX	65%	XXX	XXX	XXX
Net Debt	XXX	XXX	$4.6B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for PNB Housing Finance including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $385M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$385M	Analyst estimates available to subscribers	$334M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$287M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	74.6% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$235M	Analyst estimates available to subscribers	$218M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	61.2% net profit margin	Analyst estimates available to subscribers	65.4% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$4.6B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for PNB Housing Finance

This financial data table provides comprehensive performance metrics for PNB Housing Finance, a company based in India. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

PNB Housing Finance generated $385M in revenue over the last twelve months.
Net income over the last twelve months reached $235M.

Fiscal Year Performance

In the most recent fiscal year, PNB Housing Finance reported $334M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 65.4% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for PNB Housing Finance. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

PNB Housing Finance Stock Performance

PNB Housing Finance has current market cap of INR 219B (or $2.5B), and EV of INR 667B (or $7.5B).

Market Cap Evolution

PNB Housing Finance Stock Data

As of October 17, 2025, PNB Housing Finance's stock price is INR 839 (or $9).

See PNB Housing Finance trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$7.5B	$2.5B	XXX	XXX	XXX	XXX	$0.91

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PNB Housing Finance Valuation Multiples

PNB Housing Finance's trades at 22.9x EV/Revenue multiple, and n/a EV/EBITDA.

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PNB Housing Finance Financial Valuation Multiples

As of October 17, 2025, PNB Housing Finance has market cap of $2.5B and EV of $7.5B.

Equity research analysts estimate PNB Housing Finance's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

PNB Housing Finance has a P/E ratio of 10.5x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$2.5B	XXX	$2.5B	XXX	XXX	XXX
EV (current)	$7.5B	XXX	$7.5B	XXX	XXX	XXX
EV/Revenue	19.5x	XXX	22.9x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	26.2x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	10.5x	XXX	11.9x	XXX	XXX	XXX
EV/FCF	n/a	XXX	-9.2x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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PNB Housing Finance Margins & Growth Rates

PNB Housing Finance's last 12 month revenue growth is 19%

PNB Housing Finance's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged $42K for the same period.

PNB Housing Finance's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

PNB Housing Finance's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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PNB Housing Finance Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	19%	XXX	20%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$42K	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	1%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	27%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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