Last Updated2026-06-02

Market View

₹996.5(▼0.65%)

Reporting PeriodQ3 FY26

PNBHOUSINGPNB Housing Finance Limited Forensic Risk Analysis

Name: PNB Housing Finance Limited Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Housing Finance Company

Risk ClassStable

Market Cap₹20,314 Cr

Primary DriverGovernance

Flagium AI Risk Score

0 / 100

-5 QoQ

Improving

Sentinel Insight

Asset quality remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

0.0th %ile (Sector)Accel: +0 Qtrs

Updated2026-06-02

Market View

₹996.5▼0.65%

PeriodQ3 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

No active forensic penalties contributing.

Final Composite Risk0 / 100

Investment Risk Thesis

Historical Trend

Current risk score has declined from 0 → 0 over 12 quarters.

Expected Direction

🟢 Improving

Primary Deterioration Drivers

NIM Compression

What to Watch Next Quarter

Operating profit margins

Active Risk Objects (1)

CriticalHigh

NIM Compression

📊 Earnings QualityQuarterlyActive for 3 Qtrs

More Detail

Impact Weight10/15

MomentumDecaying

Last SignalQ2 FY2026

PNBHOUSING: NIM declining for 3 consecutive quarters.

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Risk Trajectory

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Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	2.73	3.70	✅ RESILIENT
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+66.0	+61.0	✅ RESILIENT

Forensic Benchmark Context: Housing Finance Company (n=12 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

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Share Price

Risk Score (0-100)

Market Performance

₹996.5(-0.65%)

1M Divergence-3.97%

1 Week-8.8%

1 Month-4.7%

6 Months+12.95%

1 Year-6.68%

2 Year+38.55%

3 Year+88.83%

Sector Average (1M)-0.73%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

PNBHOUSING • MARKET STRUCTURE

Stage 2 — Advancing

The company is in a growth phase. Institutional sentiment is highly positive, supported by strong fundamentals and sustained risk reduction.

Stage Transition Prob.96%

Trend QualityStrong

Phase Progression

Phase Progression Score75%

Readiness LabelHigh (Phase Transition Imminent)

Probability of Advancing96%

CoinTree Momentum

Composite Z-Score+0.2632σ

Improving momentum strength

Universe Rank#638 of 2716

Top 23.49% in momentum strength

Timeframe Sparklines

1W-8.8%

1M-4.7%

6M+12.9%

Weinstein Indicators

150 DMA₹912.51

200 DMA₹891.65

150 DMA Slope+2.8044%Rising

Relative Strength+18.44%Leading

Relative Turnover (RTR)1.4759

ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

Risk profile is broadly in line with the Sector Mean (5).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
PNBHOUSINGPNB Housing Finance Limited	0	0th	-5	1	+0	GovernanceStable
AADHARHFCAadhar Housing Finance Limited	10	82th	0	4	+0	Earnings QualityStable
REPCOHOMEREPCOHOME	16	91th	+5	8	+1	Earnings QualityStable
SAMMAANCAPSammaan Capital Limited	25	100th	+15	5	+3	Earnings QualityWatch