{"id":342781,"date":"2026-11-10T10:21:22","date_gmt":"2026-11-10T04:51:22","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=342781"},"modified":"2026-11-10T10:21:22","modified_gmt":"2026-11-10T04:51:22","slug":"pnb-housing-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/pnb-housing-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/","title":{"rendered":"PNB Housing Share Price: 14.2% CAGR in 3 Years Against LIC Housing and Home First"},"content":{"rendered":"<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-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#PNB_Housing_Share_Price_142_CAGR_in_3_Years_Against_LIC_Housing_and_Home_First\" title=\"PNB Housing Share Price: 14.2% CAGR in 3 Years Against LIC Housing and Home First\">PNB Housing Share Price: 14.2% CAGR in 3 Years Against LIC Housing and Home First<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#How_Much_Has_the_PNB_Housing_Share_Price_Returned_in_3_Years\" title=\"How Much Has the PNB Housing Share Price Returned in 3 Years?\">How Much Has the PNB Housing Share Price Returned in 3 Years?<\/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-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#PNB_Housing_vs_LIC_Housing_Finance_and_Home_First_Finance_Company_3-Year_CAGR_Compared\" title=\"PNB Housing vs LIC Housing Finance and Home First Finance Company: 3-Year CAGR Compared\">PNB Housing vs LIC Housing Finance and Home First Finance Company: 3-Year CAGR Compared<\/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-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#Valuation_and_Quality_Compared\" title=\"Valuation and Quality Compared\">Valuation and Quality Compared<\/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-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#What_Is_Driving_the_PNB_Housing_Stock\" title=\"What Is Driving the PNB Housing Stock?\">What Is Driving the PNB Housing Stock?<\/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-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#How_the_Established_Players_Stack_Up\" title=\"How the Established Players Stack Up\">How the Established Players Stack Up<\/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-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#What_Should_Investors_Track_Next\" title=\"What Should Investors Track Next?\">What Should Investors Track Next?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#How_to_Compare_Housing_Finance_Stocks_Yourself\" title=\"How to Compare Housing Finance Stocks Yourself\">How to Compare Housing Finance Stocks Yourself<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#A_Steady_Lender_With_a_Modest_Valuation\" title=\"A Steady Lender With a Modest Valuation\">A Steady Lender With a Modest Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#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-11\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#What_is_the_PNB_Housing_share_price_today\" title=\"What is the PNB Housing share price today?\">What is the PNB Housing share price today?<\/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-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#What_is_the_3-year_CAGR_of_the_PNB_Housing_stock\" title=\"What is the 3-year CAGR of the PNB Housing stock?\">What is the 3-year CAGR of the PNB Housing stock?<\/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-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#Is_PNB_Housing_better_than_LIC_Housing\" title=\"Is PNB Housing better than LIC Housing?\">Is PNB Housing better than LIC Housing?<\/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-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#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-15\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#Is_the_PNB_Housing_stock_debt_free\" title=\"Is the PNB Housing stock debt free?\">Is the PNB Housing stock debt free?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#Is_PNB_Housing_expensive_compared_with_the_industry\" title=\"Is PNB Housing expensive compared with the industry?\">Is PNB Housing expensive compared with the industry?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#Which_housing_finance_stock_gave_the_highest_return_in_3_years\" title=\"Which housing finance stock gave the highest return in 3 years?\">Which housing finance stock gave the highest return in 3 years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/pnb-housing-share-price-3-year-cagr-vs-housing-finance-peers-lic-home-first\/#How_do_I_calculate_CAGR_for_a_stock\" title=\"How do I calculate CAGR for a stock?\">How do I calculate CAGR for a stock?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"PNB_Housing_Share_Price_142_CAGR_in_3_Years_Against_LIC_Housing_and_Home_First\"><\/span><strong>PNB Housing Share Price: 14.2% CAGR in 3 Years Against LIC Housing and Home First<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>PNB Housing previous close Rs 1,111.40. 3-year CAGR 14.2%. Up 1.5x since 9 Nov 2023. ROE 11.61%. Market cap Rs 29,097 crore.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">The <strong>PNB Housing share price<\/strong> closed at Rs 1,111.40 on 9 November 2026, a compounded annual return of 14.2% over three years. That compares with LIC Housing Finance at 7.1% and Home First Finance Company at 5.4%. The company has a market cap of Rs 29,097 crore and a P\/E of 12.38 against an industry P\/E of 17.80.<\/p>\n<\/p><\/div>\n<p>The <strong>PNB Housing share price<\/strong> has delivered a quiet but solid three-year run in a space where steady growth is the norm. PNB Housing Finance, the Delhi-based lender promoted by Punjab National Bank that listed in 2016, offers home loans and related products to salaried and self-employed borrowers.<\/p>\n<p>We compare its record with LIC Housing Finance and Home First Finance Company. The article calculates three-year CAGR for all three and sets the results beside market cap, valuation, return on equity and debt, using prices adjusted for corporate actions.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=pnb-housing-share-price\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Much_Has_the_PNB_Housing_Share_Price_Returned_in_3_Years\"><\/span><strong>How Much Has the PNB Housing Share Price Returned in 3 Years?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The PNB Housing stock closed at Rs 745.25 on 9 November 2023 and at Rs 1,111.40 on 9 November 2026. Rs 1 lakh invested three years ago would have grown to about Rs 1.49 lakh, which is a CAGR of 14.2%. This is a price return and leaves out dividends.<\/p>\n<p>CAGR condenses a bumpy three-year ride into one yearly number, which is why it is the fairest way to compare companies of different sizes. A stock such as PNB Housing can look spectacular on a chart and still have earned a modest yearly return, so the compounded figure keeps the comparison honest.<\/p>\n<p>The <strong>PNB Housing share price<\/strong> has also followed the growth of home loan demand in India, where rising incomes and affordability have supported housing finance companies.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"PNB_Housing_vs_LIC_Housing_Finance_and_Home_First_Finance_Company_3-Year_CAGR_Compared\"><\/span><strong>PNB Housing vs LIC Housing Finance and Home First Finance Company: 3-Year CAGR Compared<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table ranks the companies by three-year CAGR. Prices on 9 November 2023 are adjusted for splits and bonuses, and the latest figures are the previous close on 9 November 2026.<\/p>\n<table style=\"border-collapse:collapse;width:100%;margin:14px 0;\">\n<tr>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Company<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Close on 9 Nov 2023<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Previous close (9 Nov 2026)<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Price multiple<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">3-year CAGR<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">PNB Housing Finance<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 745.25<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 1,111.40<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">1.5x<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">14.2%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">LIC Housing Finance<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 449.55<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 551.90<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">1.2x<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">7.1%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Home First Finance Company<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 922.15<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 1,078.80<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">1.2x<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">5.4%<\/td>\n<\/tr>\n<\/table>\n<p>The PNB Housing stock leads the group at 14.2%, followed by LIC Housing Finance at 7.1% and Home First Finance Company at 5.4%. PNB Housing leads the group, followed by LIC Housing Finance and Home First. The three compounded at different speeds because they serve different customer groups and have different funding profiles.<\/p>\n<p>Look at the <strong>PNB Housing share price<\/strong> alongside the peers as a snapshot of the last three years. It describes what happened, and valuation and earnings will decide what happens next.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Valuation_and_Quality_Compared\"><\/span><strong>Valuation and Quality Compared<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"border-collapse:collapse;width:100%;margin:14px 0;\">\n<tr>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Company<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Market cap<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">P\/E<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">ROE<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Debt to equity<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\"><a href=\"https:\/\/univest.in\/stocks\/lichsgfin\/lic-housing-finance-ltd-share-price-today\">LIC Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 30,363 crore<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">5.15<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">17.80<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">13.44%<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">6.50<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\"><a href=\"https:\/\/univest.in\/stocks\/pnbhousing\/pnb-housing-finance-ltd-share-price-today\">PNB Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 29,097 crore<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">12.38<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">17.80<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">11.61%<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">3.93<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\"><a href=\"https:\/\/univest.in\/stocks\/homefirst\/home-first-finance-company-india-ltd-share-price-today\">Home First Finance Company<\/a><\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 11,282 crore<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">18.21<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">21.72<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">13.28%<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">2.63<\/td>\n<\/tr>\n<\/table>\n<p>By market cap, LIC Housing Finance is the largest of the group at Rs 30,363 crore, while the PNB Housing stock stands at Rs 29,097 crore, about 96% of that size. On earnings, PNB Housing shares trade at a P\/E of 12.38 against an industry P\/E of 17.80, a discount of about 30% to the sector, which leaves room if earnings keep growing. Peer multiples are LIC Housing Finance at 5.15 and Home First Finance Company at 18.21.<\/p>\n<p>Return on equity is 11.61% for the PNB Housing stock, which ranks third among the three, and debt to equity stands at 3.93. Trailing EPS is Rs 90.11. Lenders carry high debt to equity by design, since borrowing is their raw material, so P\/E and ROE give a clearer picture than debt ratios alone.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Driving_the_PNB_Housing_Stock\"><\/span><strong>What Is Driving the PNB Housing Stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PNB Housing Finance lends against residential property to salaried and self-employed customers, and it also offers loans for property purchase, construction and renovation. It is a housing finance company regulated by the National Housing Bank framework.<\/p>\n<p>Housing finance earns the spread between what it charges borrowers and what it pays on funding. Growth in the loan book and control of funding costs and credit quality drive profit.<\/p>\n<p>Followers of the <strong>PNB Housing share price<\/strong> usually track loan growth, net interest margin, credit quality and the cost of borrowing.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_the_Established_Players_Stack_Up\"><\/span><strong>How the Established Players Stack Up<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>LIC Housing Finance is a Mumbai-based housing finance company promoted by LIC, and it is one of the largest in the segment. It compounded at 7.1% a year, on a market cap of Rs 30,363 crore and an ROE of 13.44%.<\/p>\n<p>Home First Finance Company focuses on affordable housing loans for first-time borrowers in lower income groups. It compounded at 5.4% a year, on a market cap of Rs 11,282 crore and an ROE of 13.28%.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Should_Investors_Track_Next\"><\/span><strong>What Should Investors Track Next?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Three things are worth watching on the <strong>PNB Housing share price<\/strong>. First, growth of the loan book and disbursements. Second, net interest margin as funding costs change. Third, asset quality, which shows how well loans are being repaid.<\/p>\n<p>At a P\/E of 12, the stock trades at a lower multiple than the broader market. Lender earnings depend on credit quality and interest rate trends, so size any position with that in mind.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live fundamentals of housing finance stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Compare_Housing_Finance_Stocks_Yourself\"><\/span><strong>How to Compare Housing Finance Stocks Yourself<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You can repeat this exercise for any pair of stocks, including the PNB Housing stock against its peers. Note the adjusted closing price on the base date, take the latest close, divide one by the other, raise the result to the power of one third and subtract one. Then place the CAGR next to market cap, P\/E against the industry P\/E, ROE and debt to equity. Benchmark the result against the <a href=\"https:\/\/univest.in\/indices\/nifty-50\/nifty-50-share-price-today\">Nifty 50<\/a> as well, so you know whether the stock beat the broader market.<\/p>\n<p>A stock that scores well on growth but weakly on quality, or the reverse, deserves closer study before it enters a portfolio. When tracking the <strong>PNB Housing share price<\/strong>, the same four checks give a more complete picture than price alone.<\/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&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track the <strong>PNB Housing share price<\/strong> and compare finance stocks live.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"A_Steady_Lender_With_a_Modest_Valuation\"><\/span><strong>A Steady Lender With a Modest Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>PNB Housing share price<\/strong> compounded at 14.2% a year over three years, ahead of LIC Housing at 7.1% and Home First at 5.4%. Its ROE of 11.61% and a P\/E of 12.38 sit in a reasonable range for the segment.<\/p>\n<p>LIC Housing brings scale and a very low multiple, while Home First offers an affordable housing focus with a slightly higher P\/E. The choice depends on how you weigh growth against valuation.<\/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<\/p><\/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_is_the_PNB_Housing_share_price_today\"><\/span><strong>What is the PNB Housing share price today?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB Housing Finance closed at Rs 1,111.40 on 9 November 2026, according to NSE data. It has a market cap of Rs 29,097 crore and a P\/E of 12.38. Check live quotes before acting, as prices change every trading day.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_3-year_CAGR_of_the_PNB_Housing_stock\"><\/span><strong>What is the 3-year CAGR of the PNB Housing stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB Housing Finance delivered a price CAGR of 14.2% over three years, moving from Rs 745.25 on 9 November 2023 to Rs 1,111.40 on 9 November 2026. The figure excludes dividends and uses adjusted closing prices.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_PNB_Housing_better_than_LIC_Housing\"><\/span><strong>Is PNB Housing better than LIC Housing?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The PNB Housing stock delivered a higher three-year CAGR at 14.2% than LIC Housing at 7.1%. LIC Housing is slightly larger by market cap at Rs 30,363 crore and has a higher ROE at 13.44% against 11.61%. The better choice depends on whether you prefer faster recent growth or a lower multiple.<\/p>\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 is a Delhi-based housing finance company promoted by Punjab National Bank that offers home loans, loans against property and related products.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_the_PNB_Housing_stock_debt_free\"><\/span><strong>Is the PNB Housing stock debt free?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The debt to equity ratio of the PNB Housing stock is 3.93 and its return on equity is 11.61%. Always check the latest balance sheet for current figures, as debt levels change with expansion plans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_PNB_Housing_expensive_compared_with_the_industry\"><\/span><strong>Is PNB Housing expensive compared with the industry?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB Housing trades at a P\/E of 12.38 against an industry P\/E of 17.80. A higher multiple reflects expectations of faster growth, which the company must deliver through earnings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_housing_finance_stock_gave_the_highest_return_in_3_years\"><\/span><strong>Which housing finance stock gave the highest return in 3 years?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Among the companies compared here, PNB Housing Finance delivered the highest three-year CAGR at 14.2%, followed by LIC Housing Finance at 7.1%. Past returns do not guarantee future performance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_I_calculate_CAGR_for_a_stock\"><\/span><strong>How do I calculate CAGR for a stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Divide the latest price by the starting price, raise the result to the power of one divided by the number of years, and subtract one. Multiply by 100 for a percentage. Use split and bonus adjusted prices for accurate results.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the PNB Housing share price today?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PNB Housing Finance closed at Rs 1,111.40 on 9 November 2026, according to NSE data. It has a market cap of Rs 29,097 crore and a P\/E of 12.38. 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See how it compares with LIC Housing Finance and Home First on returns, valuation and ROE.<\/p>\n","protected":false},"author":35,"featured_media":342780,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[20162,20161,21461,21462],"class_list":["post-342781","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-hfc-stocks-3-year-return","tag-housing-finance-stocks-india","tag-pnb-housing-share-price","tag-pnb-housing-vs-lic-housing"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["342780"],"rank_math_title":["PNB Housing Share Price: 14.2% CAGR vs LIC Housing"],"rank_math_description":["PNB Housing share price compounded at 14.2% a year over 3 years. See how it compares with LIC Housing Finance and Home First on returns, valuation and ROE."],"rank_math_focus_keyword":["PNB Housing share price | Density Target: 1.2-1.5%"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/11\/pnb-housing-share-price-14-2-cagr-in-3-years-against-lic-housing-and-home-first.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/342781","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=342781"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/342781\/revisions"}],"predecessor-version":[{"id":342782,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/342781\/revisions\/342782"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/342780"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=342781"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=342781"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=342781"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}