Intrinsic Value

Is PNBHOUSING undervalued or overvalued?

See the intrinsic value estimate for PNB Housing Finance Ltd and find out whether today’s valuation is cheap or expensive by its own historical standards.

Do our valuations actually work? See backtest results .

PNBHOUSING Intrinsic Value
LOCKED
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Today vs. history

PNBHOUSING looks undervalued.
But is it cheap by its own standards?

See how today’s valuation compares with PNBHOUSING’s past valuations and how the stock performed after similar periods.

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Intrinsic Value Locked
Margin of Safety 20% Locked
Current Price ₹1 147.9
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Fundamental Analysis

What PNB Housing Finance Does

Financial Services Financials

PNB Housing Finance is an Indian mortgage lender that focuses on home loans and related property-backed lending. It lends to individual borrowers who want to buy, build, repair, or improve a house, and it also offers loans against property for people and small businesses that need funding secured by real estate.

Headquarters
India IN
Employees
2 149
IPO date
Nov 7, 2016
Read the full company overview
View Company Overview

PNB Housing Finance has no economic moat

No Moat Narrow Wide

PNB Housing Finance Ltd lacks an economic moat, leaving it vulnerable to competitive pressures and market challenges.

Read the full moat analysis

Latest Earnings Call

Q1 fiscal 2027 · August 4, 2026

Open the earnings call
EPS
₹21.33
Expected
₹21.09
Surprise
+1.1%
Stock, day of the call
−0.9%
View Earnings Call
Financials
Efficiency

Earnings Waterfall
PNB Housing Finance Ltd

Wall St Price Targets

Capital Returns

Buyback Yield
LOCKED
Debt Paydown Yield
LOCKED

Competitive Landscape

Ownership

PNBHOUSING Insider Trading
Buy and sell transactions by insiders

What is the Intrinsic Value of one PNBHOUSING stock?

The intrinsic value for PNB Housing Finance Ltd (PNBHOUSING) under the Base Case is hidden INR.

Is PNBHOUSING stock undervalued or overvalued?

Compared with the current market price of 1 147.9 INR, the stock appears hidden.

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