PNBHOUSING
Pnb Housing Finance Limited
Each stock's 10,000-path forecast, rendered as light.
Pnb Housing Finance Limited (PNBHOUSING) Stock Analysis & Case Study
Is PNBHOUSING a good buy? The data-driven verdict.
Pnb Housing Finance Limited (PNBHOUSING) trades at ₹1,143,on the numbers it worth a closer look, a Downstox Snapshot Score of 65/100.
On the numbers, Pnb Housing Finance Limited (PNBHOUSING) worth a closer look, a Downstox Snapshot Score of 65/100, weighing inexpensive at 12.9× earnings, ROE of 12.7%, a 54% 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
How PNBHOUSING ranks against the 2,373 companies in our screener
- PNBHOUSING's market cap of 29,785 Cr ranks in the 88th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- PNBHOUSING's book value of ₹738 ranks in the 94th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- PNBHOUSING's promoter holding of 28.0% ranks in the 7th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- PNBHOUSING's 3-year profit (PAT) growth of 30.0% ranks in the 69th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- PNBHOUSING's 3-year revenue growth of 9.0% ranks in the 47th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold a debt-to-equity ratio figure for PNBHOUSING, as of 9 Aug 2026, so it is not ranked here.
Is PNBHOUSING overvalued? PNBHOUSING P/E vs peers
PNBHOUSING trades at 12.9× earnings. We don't have a verified sector peer group for this stock yet, so no sector peer median or peer comparison table is shown here. Showing one anyway would compare it against an arbitrary set of large-cap names, not real sector peers.
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 9.6y of PNBHOUSING history (5%/yr drift, 38%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| PNBHOUSING 2027 | ₹734 | ₹1,189 | ₹1,928 | +4% |
| PNBHOUSING 2028 | ₹621 | ₹1,237 | ₹2,464 | +8% |
| PNBHOUSING 2029 | ₹554 | ₹1,287 | ₹2,993 | +13% |
| PNBHOUSING 2030 | ₹502 | ₹1,339 | ₹3,571 | +17% |
| PNBHOUSING 2031 | ₹458 | ₹1,393 | ₹4,236 | +22% |
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
- PNBHOUSING's P/E of 12.9x is lower than 80% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- PNBHOUSING's return on equity of 12.7% ranks in the 63rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹2,993.
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 ₹554.
PNBHOUSING volatility & expected range, how bumpy is the ride?
Over the last 9.6 years PNBHOUSING compounded at 5%/year with annualized volatility of 38%. That volatility implies a 1-year 80% range of ₹734-₹1,928, 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: 6/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. PNBHOUSING scores 6/8, mixed financial health.
PNBHOUSING MTF margin & leverage across 11 brokers
Margin Trading Facility lets you buy PNBHOUSING with part of the capital. Lower margin % = higher leverage. Rates compared across 11 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 28.83% | 3.5× |
| Zerodha | 27.50% | 3.6× |
| Groww | 27.52% | 3.6× |
| DhanCHEAPEST | 25.29% | 4.0× |
| Kotak Neo | 25.32% | 3.9× |
| Paytm Money | 25.33% | 3.9× |
| Pocketful | 32.51% | 3.1× |
| Fyers | 33.33% | 3.0× |
| Anand Rathi | 32.29% | 3.1× |
| Bajaj Broking | 28.00% | 3.6× |
| Share India | 32.29% | 3.1× |
Compare every broker on the PNBHOUSING MTF page.
About Pnb Housing Finance Limited: sector, index & market-cap context
Pnb Housing Finance Limited (PNBHOUSING) is a mid-cap NSE-listed company, and a constituent of the Nifty 500 index, with a market capitalisation of ₹29,785 Cr. See more stocks on our screener.
How the PNBHOUSING Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Pnb Housing Finance Limited'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 Limited (PNBHOUSING) a good buy?
On the numbers, Pnb Housing Finance Limited (PNBHOUSING) worth a closer look, a Downstox Snapshot Score of 65/100, weighing inexpensive at 12.9× earnings, ROE of 12.7%, a 54% 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 12.9× earnings, inexpensive versus the ~22× long-run Nifty average.
What is the PNBHOUSING share price target for 2031?
PNBHOUSING's probability-weighted 2031 median target is ₹1,393, with an 80% range of ₹458-₹4,236 (10,000-path Monte-Carlo).
What is the probability PNBHOUSING doubles in 5 years?
The modelled probability of PNBHOUSING reaching ₹2,286 (2×) within 5 years is 29%.
What is the bull case for PNBHOUSING?
PNBHOUSING's P/E of 12.9x is lower than 80% of the 2,373 NSE companies in our screener, as of 9 Aug 2026. PNBHOUSING's return on equity of 12.7% ranks in the 63rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
What are the risks in PNBHOUSING?
No model or past record guarantees future returns, treat this as one input, not a decision.