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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.
1988
2.0K+
LTM Revenue $366M
LTM EBITDA n/a
$7.5B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
PNB Housing Finance has a last 12-month revenue of $366M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, PNB Housing Finance achieved revenue of $323M and an EBITDA of n/a.
PNB Housing Finance expects next 12-month revenue of XXX and NTM EBITDA of XXX
See PNB Housing Finance valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $295M | $323M | XXX | XXX | XXX |
| Gross Profit | n/a | n/a | XXX | XXX | XXX |
| Gross Margin | NaN% | NaN% | XXX | XXX | XXX |
| EBITDA | n/a | n/a | XXX | XXX | XXX |
| EBITDA Margin | NaN% | NaN% | XXX | XXX | XXX |
| Net Profit | $97.2M | $121M | XXX | XXX | XXX |
| Net Margin | 33% | 38% | XXX | XXX | XXX |
| Net Debt | $3.5B | $3.8B | XXX | XXX | XXX |
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As of April 15, 2025, PNB Housing Finance's stock price is INR 979 (or $11).
PNB Housing Finance has current market cap of INR 255B (or $3.0B), and EV of INR 648B (or $7.5B).
See PNB Housing Finance trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $7.5B | $3.0B | XXX | XXX | XXX | XXX | $0.85 |
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Sign UpAs of April 15, 2025, PNB Housing Finance has market cap of $3.0B and EV of $7.5B.
PNB Housing Finance's trades at 20.5x LTM EV/Revenue multiple, and n/a LTM EBITDA.
Analysts estimate PNB Housing Finance's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for PNB Housing Finance and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $7.5B | XXX | XXX | XXX |
| EV/Revenue | 21.3x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | XXX | XXX |
| P/E | 14.2x | XXX | XXX | XXX |
| P/E/Growth | 0.8x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpPNB Housing Finance's NTM/LTM revenue growth is 22%
PNB Housing Finance's revenue per employee for the last fiscal year averaged $0.2M, while opex per employee averaged $38K for the same period.
Over next 12 months, PNB Housing Finance's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate PNB Housing Finance's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for PNB Housing Finance and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 10% | XXX | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | n/a | XXX | XXX | XXX | XXX |
| Revenue per Employee | $0.2M | XXX | XXX | XXX | XXX |
| Opex per Employee | $38K | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 1% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 2% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | 24% | XXX | XXX | XXX | XXX |
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| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Liberty Financial Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Latitude Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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PNB Housing Finance acquired XXX companies to date.
Last acquisition by PNB Housing Finance was XXXXXXXX, XXXXX XXXXX XXXXXX . PNB Housing Finance acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Sign Up| When was PNB Housing Finance founded? | PNB Housing Finance was founded in 1988. |
| Where is PNB Housing Finance headquartered? | PNB Housing Finance is headquartered in India. |
| How many employees does PNB Housing Finance have? | As of today, PNB Housing Finance has 2.0K+ employees. |
| Who is the CEO of PNB Housing Finance? | PNB Housing Finance's CEO is Mr. Girish Kousgi. |
| Is PNB Housing Finance publicy listed? | Yes, PNB Housing Finance is a public company listed on NSE. |
| What is the stock symbol of PNB Housing Finance? | PNB Housing Finance trades under PNBHOUSING ticker. |
| When did PNB Housing Finance go public? | PNB Housing Finance went public in 2016. |
| Who are competitors of PNB Housing Finance? | Similar companies to PNB Housing Finance include e.g. Credit Clear, Humm Group, Liberty Financial Group, Latitude Financial Services. |
| What is the current market cap of PNB Housing Finance? | PNB Housing Finance's current market cap is $3.0B |
| What is the current revenue of PNB Housing Finance? | PNB Housing Finance's last 12-month revenue is $366M. |
| What is the current EV/Revenue multiple of PNB Housing Finance? | Current revenue multiple of PNB Housing Finance is 20.5x. |
| What is the current revenue growth of PNB Housing Finance? | PNB Housing Finance revenue growth between 2023 and 2024 was 10%. |
| Is PNB Housing Finance profitable? | Yes, PNB Housing Finance is EBITDA-positive (as of the last 12 months). |
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