LIC Housing Finance vs PNB Housing Finance vs Aptus Value Housing Finance: Which Stock Should You Track

LIC Housing Finance vs PNB Housing Finance vs Aptus Value Housing Finance starts with the core numbers most investors compare within the Housing Finance NBFC segment: market capitalisation, valuation multiples, profitability and dividend yield. Figures below are sourced as of September 2026 and will shift with daily price moves.

All three names sit in the Housing Finance NBFC bucket, which makes them a natural set to place side by side rather than a random trio of unrelated businesses.

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LIC Housing Finance, PNB Housing Finance and Aptus Value Housing Finance: Company Overview

LIC Housing Finance is a listed Indian company in the Housing Finance NBFC space, tracked here on book value, return ratios and valuation alongside its peers in this comparison.

PNB Housing Finance is a listed Indian company in the Housing Finance NBFC space, tracked here on book value, return ratios and valuation alongside its peers in this comparison.

Aptus Value Housing Finance is a listed Indian company in the Housing Finance NBFC space, tracked here on book value, return ratios and valuation alongside its peers in this comparison.

LIC Housing Finance vs PNB Housing Finance vs Aptus Value Housing Finance: Valuation and Profitability Snapshot

Metric	LIC Housing Finance	PNB Housing Finance	Aptus Value Housing Finance
Market Cap (approx.)	Rs 31,084 crore	Rs 29,356 crore	Rs 12,123 crore
PE Ratio (TTM)	5.42	12.68	12.31
PB Ratio	0.75	1.53	2.40
Return on Equity (ROE)	13.53%	11.92%	18.64%
EPS (TTM, Rs)	104.34	88.77	19.66
Dividend Yield	1.77%	0.71%	1.86%
Debt to Equity	6.70	3.70	1.56
Book Value per Share (Rs)	753.17	736.93	100.68

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On valuation, LIC Housing Finance trades at a PE of 5.42 and a PB of 0.75, PNB Housing Finance at a PE of 12.68 and a PB of 1.53, while Aptus Value Housing Finance trades at a PE of 12.31 and a PB of 2.40. On return on equity, the three post 13.53%, 11.92% and 18.64% respectively, and on dividend yield they stand at 1.77%, 0.71% and 1.86%.

LIC Housing Finance vs PNB Housing Finance vs Aptus Value Housing Finance: Latest Quarterly Results

Company	Latest Quarter Revenue	Latest Quarter Net Profit	YoY Change (Revenue)	QoQ Change (Revenue)
LIC Housing Finance	Rs 7,085.58 crore	Rs 1,499.03 crore	-1.4%	-0.1%
PNB Housing Finance	Rs 2,265.36 crore	Rs 557.34 crore	+8.8%	+4.3%
Aptus Value Housing Finance	Rs 610.66 crore	Rs 260.94 crore	+15.2%	+3.0%

Quarterly figures above are the most recent reported quarter for each company (Q1 FY28, quarter ended June 2026), compared with the year-ago and preceding quarter.

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What Should Investors Look at Beyond These Numbers?

Beyond the metrics above, investors comparing these three housing finance nbfc names should track quarter-on-quarter revenue and margin trends, management commentary on demand and cost drivers, and any sector-specific regulatory developments, since a single-quarter snapshot can shift quickly.

Conclusion

LIC Housing Finance vs PNB Housing Finance vs Aptus Value Housing Finance highlights how differently three companies in the same housing finance nbfc segment can score across valuation, profitability and dividend metrics, even when operating in a similar space. This comparison does not declare a winner; investors should weigh these figures against their own research and risk appetite. Please read the disclaimer below before making any investment decision.

FAQs on LIC Housing Finance vs PNB Housing Finance vs Aptus Value Housing Finance

What is the market cap difference between LIC Housing Finance, PNB Housing Finance and Aptus Value Housing Finance?

Ans. As of September 2026, LIC Housing Finance has a market cap of approximately Rs 31,084 crore, PNB Housing Finance is at approximately Rs 29,356 crore, and Aptus Value Housing Finance is at approximately Rs 12,123 crore.

Which of the three has the highest PE ratio?

Ans. Among LIC Housing Finance, PNB Housing Finance and Aptus Value Housing Finance, the PE ratios stand at 5.42, 12.68 and 12.31 respectively as of September 2026.

Which of the three has the highest ROE?

Ans. LIC Housing Finance, PNB Housing Finance and Aptus Value Housing Finance post ROE of 13.53%, 11.92% and 18.64% respectively as of September 2026.

Which of these three stocks pays the highest dividend yield?

Ans. LIC Housing Finance, PNB Housing Finance and Aptus Value Housing Finance carry dividend yields of 1.77%, 0.71% and 1.86% respectively.

What is the debt to equity ratio for LIC Housing Finance, PNB Housing Finance and Aptus Value Housing Finance?

Ans. LIC Housing Finance carries a debt to equity of 6.70, PNB Housing Finance of 3.70, and Aptus Value Housing Finance of 1.56.

Which of the three trades at the highest price to book value?

Ans. LIC Housing Finance, PNB Housing Finance and Aptus Value Housing Finance trade at price to book ratios of 0.75, 1.53 and 2.40 respectively.

Is one of LIC Housing Finance, PNB Housing Finance or Aptus Value Housing Finance better than the others?

Ans. This comparison does not declare one stock better than another; each company scores differently across valuation, profitability and dividend metrics, and the right fit depends on an individual investor's own criteria and research.