PNBHOUSING
PNB Housing Finance
Each stock's 10,000-path forecast, rendered as light.
PNB Housing Finance (PNBHOUSING) Stock Analysis & Case Study
Is PNBHOUSING a good buy? The data-driven verdict.
PNB Housing Finance (PNBHOUSING) trades at ₹1,010,on the numbers it worth a closer look, a Downstox Snapshot Score of 65/100.
On the numbers, PNB Housing Finance (PNBHOUSING) worth a closer look, a Downstox Snapshot Score of 65/100, weighing inexpensive at 11.5× earnings, ROE of 12.7%, a 57% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027–2031.
Last updated . Data snapshot for research, not investment advice.
PNBHOUSING fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
Is PNBHOUSING overvalued? PNBHOUSING P/E vs its sector
PNBHOUSING's P/E of 11.5× sits below the sector peer median of 14.7×, so on earnings it screens cheaper than peers, while its 0.49% dividend yield is below the peer median of 1.65%.
PNBHOUSING share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 2.0y of PNBHOUSING history (14%/yr drift, 38%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| PNBHOUSING 2027 | ₹653 | ₹1,068 | ₹1,770 | +6% |
| PNBHOUSING 2028 | ₹570 | ₹1,139 | ₹2,286 | +14% |
| PNBHOUSING 2029 | ₹518 | ₹1,213 | ₹2,797 | +21% |
| PNBHOUSING 2030 | ₹477 | ₹1,264 | ₹3,383 | +26% |
| PNBHOUSING 2031 | ₹450 | ₹1,353 | ₹4,013 | +35% |
Median (P50) is the central estimate; the P10–P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability PNBHOUSING goes up, or doubles?
The bull case for PNBHOUSING
- Trades at just 11.5× earnings, below the ~22× long-run Nifty average, so the valuation leaves room rather than pricing in perfection.
- Low price-to-book of 1.37×, the market is paying little over the company's net assets.
- A healthy 12.7% return on equity.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹2,797.
The bear case & risks
- No model or past record guarantees future returns, treat this as one input, not a decision.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹518.
PNBHOUSING volatility & expected range, how bumpy is the ride?
Over the last 2.0 years PNBHOUSING compounded at 14%/year with annualized volatility of 38%. That volatility implies a 1-year 80% range of ₹653–₹1,770, the honest backbone behind any single price target.
PNBHOUSING price forecast, the full 60-month probability fan
PNBHOUSING price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds PNBHOUSING hits common targets within the simulated horizon?
Full multi-horizon detail on the PNBHOUSING price target & forecast page.
PNBHOUSING Piotroski F-Score: 4/9, how financially strong is it?
The Piotroski F-Score grades financial strength on nine profitability, leverage and efficiency checks. PNBHOUSING scores 4/9,mixed financial health.
PNBHOUSING MTF margin & leverage, Upstox, Zerodha, Groww, Dhan
Margin Trading Facility lets you buy PNBHOUSING with part of the capital. Lower margin % = higher leverage. Rates compared across brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 32.9% | 3.0× |
| Zerodha | 28.0% | 3.6× |
| DhanCHEAPEST | 25.9% | 3.9× |
Compare every broker on the PNBHOUSING MTF page.
PNBHOUSING vs peers,sector comparison
About PNB Housing Finance: sector, index & market-cap context
PNB Housing Finance (PNBHOUSING) is a mid-cap NSE-listed company, and a constituent of the Nifty 200 index group, with a market capitalisation of ₹26,337 Cr. See more Nifty 200 stocks.
How the PNBHOUSING Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of PNB Housing Finance's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
PNBHOUSING analysis, FAQs
Is PNB Housing Finance (PNBHOUSING) a good buy?
On the numbers, PNB Housing Finance (PNBHOUSING) worth a closer look, a Downstox Snapshot Score of 65/100, weighing inexpensive at 11.5× earnings, ROE of 12.7%, a 57% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is PNBHOUSING overvalued or undervalued?
PNBHOUSING trades at 11.5× earnings versus a peer median of 14.7×, so it screens cheaper than its sector peers.
What is the PNBHOUSING share price target for 2031?
PNBHOUSING's probability-weighted 2031 median target is ₹1,353, with an 80% range of ₹450–₹4,013 (10,000-path Monte-Carlo).
What is the probability PNBHOUSING doubles in 5 years?
The modelled probability of PNBHOUSING reaching ₹2,006 (2×) within 5 years is 33%.
What is the bull case for PNBHOUSING?
Trades at just 11.5× earnings, below the ~22× long-run Nifty average, so the valuation leaves room rather than pricing in perfection. Low price-to-book of 1.37×, the market is paying little over the company's net assets. A healthy 12.7% return on equity.
What are the risks in PNBHOUSING?
No model or past record guarantees future returns, treat this as one input, not a decision.