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India's Urbanization And Branch Expansion Will Unlock New Momentum

Update shared on 20 Oct 2025

Fair value Increased 0.53%
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AnalystConsensusTarget's Fair Value
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1Y
-5.4%
7D
-3.5%

Analysts have slightly raised the fair value target for PNB Housing Finance to ₹1,105 from ₹1,099. This change reflects updated assumptions around the discount rate and profitability projections.

What's in the News

  • A board meeting is scheduled on October 27, 2025 to consider and approve audited financial results for the quarter and half-year ended September 30, 2025 (Key Developments).
  • A special or extraordinary shareholders meeting will be held on November 13, 2025 via postal ballot in India (Key Developments).
  • On August 21, 2025, shareholders approved an alteration of the object clause of the company's memorandum of association (Key Developments).
  • The board accepted the resignation of Mr. Girish Kousgi as Chief Executive Officer, effective October 28, 2025. The reason cited was pursuing opportunities outside the company (Key Developments).
  • The board meeting on September 5, 2025 considered the proposal to raise up to INR 5,000 crore through non-convertible debentures via private placement, in multiple tranches (Key Developments).

Valuation Changes

  • The Fair Value Target has risen slightly from ₹1,099 to ₹1,105.
  • The Discount Rate has decreased marginally from 14.21% to 14.18%.
  • The Revenue Growth projection edged down from 14.66% to 14.65%.
  • The Net Profit Margin estimate has declined from 52.87% to 52.22%.
  • The future P/E ratio forecast has increased from 15.46x to 15.73x.

Disclaimer

AnalystConsensusTarget is a tool utilizing a Large Language Model (LLM) that ingests data on consensus price targets, forecasted revenue and earnings figures, as well as the transcripts of earnings calls to produce qualitative analysis. The narratives produced by AnalystConsensusTarget are general in nature and are based solely on analyst data and publicly-available material published by the respective companies. These scenarios are not indicative of the company's future performance and are exploratory in nature. Simply Wall St has no position in the company(s) mentioned. Simply Wall St may provide the securities issuer or related entities with website advertising services for a fee, on an arm's length basis. These relationships have no impact on the way we conduct our business, the content we host, or how our content is served to users. The price targets and estimates used are consensus data, and do not constitute a recommendation to buy or sell any stock, and they do not take account of your objectives, or your financial situation. Note that AnalystConsensusTarget's analysis may not factor in the latest price-sensitive company announcements or qualitative material.