{"id":199969,"date":"2026-08-12T15:49:29","date_gmt":"2026-08-12T10:19:29","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=199969"},"modified":"2026-08-12T15:49:30","modified_gmt":"2026-08-12T10:19:30","slug":"pnb-housing-finance-vs-indiabulls-housing-finance-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/","title":{"rendered":"PNB Housing Finance vs Indiabulls Housing Finance: Share Price, PE, ROE Compared"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>PNB Housing Finance MCap Rs 29,858 Cr, PE 12.90x, ROE 11.92%, D\/E 3.70. Indiabulls Housing Finance MCap approx Rs 3,000-5,000 Cr (data approximate). Size gap: 6-10x.<\/em><\/p>\n<p>PNB Housing Finance vs Indiabulls Housing Finance is a comparison housing finance investors look up when evaluating two listed Indian housing finance companies (HFCs). PNB Housing Finance, a Delhi-based company (Punjab National Bank subsidiary), is one of India&#8217;s larger HFCs providing home loans, loan against property and construction finance. Indiabulls Housing Finance, a Delhi-based company, was once India&#8217;s second-largest HFC but has dramatically reduced its balance sheet through deleveraging and restructuring after 2019-2020 stress. The PNB Housing versus Indiabulls Housing comparison shows a recovering mid-large HFC versus a significantly restructured, much smaller HFC.<\/p>\n<p>This PNB Housing Finance vs Indiabulls Housing Finance article covers reach and market position, key products, latest declared results and stock valuation. All data is sourced from Groww and public company filings.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#Reach_and_Market_Position\" title=\"Reach and Market Position\">Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#Key_Products_and_Business_Mix\" title=\"Key Products and Business Mix\">Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#Latest_Results_and_Financial_Data\" title=\"Latest Results and Financial Data\">Latest Results and Financial Data<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#Stock_Performance_and_Valuation\" title=\"Stock Performance and Valuation\">Stock Performance and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#PNB_Housing_Finance_vs_Indiabulls_Housing_Finance_Quick_Comparison_Table\" title=\"PNB Housing Finance vs Indiabulls Housing Finance: Quick Comparison Table\">PNB Housing Finance vs Indiabulls Housing Finance: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#What_does_PNB_Housing_Finance_do\" title=\"What does PNB Housing Finance do?\">What does PNB Housing Finance do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#What_happened_to_Indiabulls_Housing_Finance\" title=\"What happened to Indiabulls Housing Finance?\">What happened to Indiabulls Housing Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#What_is_an_HFC\" title=\"What is an HFC?\">What is an HFC?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#Which_is_larger_PNB_Housing_or_Indiabulls_Housing\" title=\"Which is larger, PNB Housing or Indiabulls Housing?\">Which is larger, PNB Housing or Indiabulls Housing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#Is_PNB_Housing_owned_by_PNB\" title=\"Is PNB Housing owned by PNB?\">Is PNB Housing owned by PNB?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#Does_PNB_Housing_pay_dividends\" title=\"Does PNB Housing pay dividends?\">Does PNB Housing pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-finance-vs-indiabulls-housing-finance-comparison\/#Are_these_companies_in_Nifty_50\" title=\"Are these companies in Nifty 50?\">Are these companies in Nifty 50?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Reach_and_Market_Position\"><\/span><strong>Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In this PNB Housing Finance vs Indiabulls Housing Finance comparison, PNB Housing Finance provides home loans, plot loans, loan against property and non-residential property loans to individuals and institutions across India. Market capitalisation is Rs 29,858 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=pnbhousing-vs-indiabullshousing\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>Indiabulls Housing Finance provides home loans and is in deleveraging mode after a significant balance sheet reduction since 2019. Market capitalisation is approximately Rs 3,000-5,000 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Products_and_Business_Mix\"><\/span><strong>Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For the PNB Housing Finance vs Indiabulls Housing Finance product breakdown, PNB Housing Finance: PNB Housing earns from net interest income on home loans and property loans. EPS is Rs 88.84. PE is 12.90x, ROE 11.92 percent, D\/E 3.70 (normal for HFC). Div 0.70 percent.<\/p>\n<p>Indiabulls Housing Finance: Indiabulls Housing earns from home loan interest income on a much smaller loan book than its peak. Data is approximate &#8211; investors should verify current financials from exchange filings.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Latest_Results_and_Financial_Data\"><\/span><strong>Latest Results and Financial Data<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the PNB Housing Finance vs Indiabulls Housing Finance results front: PNB Housing Finance has a market cap of Rs 29,858 Cr and PE of 12.90x. ROE is 11.92 percent. PNB Housing is 6-10 times larger than Indiabulls Housing.<\/p>\n<p>Indiabulls Housing Finance has a market cap of approximately Rs 3,000-5,000 Cr. The company has restructured significantly from its peak Rs 80,000+ Cr market cap in 2018.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare PNB Housing Finance and Indiabulls Housing Finance Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Stock_Performance_and_Valuation\"><\/span><strong>Stock Performance and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investors tracking the PNB Housing Finance vs Indiabulls Housing Finance comparison should verify current prices on NSE or BSE before trading. The PNB Housing Finance vs Indiabulls Housing Finance stock data below reflects the latest available figures from Groww and public company filings.<\/p>\n<p>PNB Housing Finance versus Indiabulls Housing: PNB Housing (PE 12.90x, ROE 11.92%, stable) vs Indiabulls Housing (approx Rs 3,000-5,000 Cr, restructuring). Comparing PNB Housing and Indiabulls Housing Finance, PNB Housing is the more established, stable HFC in the current period.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"PNB_Housing_Finance_vs_Indiabulls_Housing_Finance_Quick_Comparison_Table\"><\/span><strong>PNB Housing Finance vs Indiabulls Housing Finance: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The comparison table below summarises the key metrics side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/pnb-housing-finance-ltd-share-price-today\">PNB Housing Finance<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/indiabulls-housing-finance-ltd-share-price-today\">Indiabulls Housing Finance<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Home loans + LAP + construction finance (PNB subsidiary, recovering)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Home loans: significantly restructured after 2019 stress (deleveraging)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 29,858 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx Rs 3,000-5,000 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">12.90x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx (verify from filings)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">11.92%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx (verify from filings)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Status<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Stable, growing loan book<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Heavily restructured, deleveraging mode<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Debt to Equity<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">3.70 (normal for HFC)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Lower than peak (verify)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Dividend Yield<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.70%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Verify from filings<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The PNB Housing Finance vs Indiabulls Housing Finance comparison above covers reach, products, results and valuation. PNB Housing Finance versus Indiabulls Housing Finance covers a stable large HFC versus a heavily restructured smaller HFC. PNB Housing is on a growth path with solid fundamentals. Indiabulls Housing has dramatically reduced its balance sheet since 2019 and investors must verify current status from exchange filings. The PNB Housing and Indiabulls Housing comparison is heavily asymmetric. Consult a SEBI-registered advisor and verify current financials for Indiabulls Housing before any investment.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track PNB Housing Finance and Indiabulls Housing Finance live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_does_PNB_Housing_Finance_do\"><\/span><strong>What does PNB Housing Finance do?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB Housing Finance provides home loans to individuals for buying or constructing homes, loans against property (LAP) for business or personal use, and construction finance to builders and developers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happened_to_Indiabulls_Housing_Finance\"><\/span><strong>What happened to Indiabulls Housing Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Indiabulls Housing Finance significantly reduced its loan book from 2019-2020 onwards due to NBFC liquidity stress, credit concerns and regulatory issues. The company deleveraged significantly from its peak.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_an_HFC\"><\/span><strong>What is an HFC?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> An HFC (Housing Finance Company) is an NBFC registered with the National Housing Bank (NHB) specifically for providing home loans and property-related financing.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_is_larger_PNB_Housing_or_Indiabulls_Housing\"><\/span><strong>Which is larger, PNB Housing or Indiabulls Housing?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB Housing Finance at Rs 29,858 Cr is approximately 6-10 times larger than Indiabulls Housing Finance at approximately Rs 3,000-5,000 Cr.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_PNB_Housing_owned_by_PNB\"><\/span><strong>Is PNB Housing owned by PNB?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. Punjab National Bank (PNB) holds a majority stake in PNB Housing Finance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_PNB_Housing_pay_dividends\"><\/span><strong>Does PNB Housing pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. PNB Housing Finance pays a dividend yield of approximately 0.70 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_these_companies_in_Nifty_50\"><\/span><strong>Are these companies in Nifty 50?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Neither is in Nifty 50.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>PNB Housing Finance vs Indiabulls Housing Finance compared on home loans, ROE and valuation. PNB Housing PE 12.90x. 6-10x size gap. 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