PNB Housing Finance's Q2 FY 2025-26 Quarterly Results
- 28 Oct 2025
PNB Housing Finance Result Summary
- PNB Housing Finance Ltd reported a 2.3% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Sep (Q2 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 13.4%.
- Its expenses for the quarter were up by 2.3% QoQ and 12.4% YoY.
- The net profit increased 9.0% QoQ and increased 23.8% YoY.
- The earnings per share (EPS) of PNB Housing Finance Ltd stood at 22.29 during Q2 FY 2025-26.
PNB Housing Finance Financial Statments for Q2 FY 2025-26
Total Income | 2130.60 | 2081.87 | 1879.66 | 2.3% | 13.4% |
Total Expenses | 1484.14 | 1450.17 | 1320.54 | 2.3% | 12.4% |
Profit Before Tax | 759.64 | 687.92 | 604.73 | 10.4% | 25.6% |
Tax | 178.05 | 154.42 | 135.05 | 15.3% | 31.8% |
Profit After Tax | 581.59 | 533.50 | 469.68 | 9.0% | 23.8% |
Earnings Per Share | 22.29 | 20.45 | 18.02 | 9.0% | 23.7% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
PNB Housing Finance Company Overview
PNB Housing Finance Ltd, a significant player in the housing finance sector, specializes in providing housing loans to individuals and corporate bodies for the purchase, construction, repair, and upgradation of houses. The company operates in a competitive market, primarily catering to the housing needs of middle and upper-middle-income segments. As a subsidiary of Punjab National Bank, one of India's largest public sector banks, PNB Housing Finance benefits from a strong brand presence and extensive distribution network. The company has been focusing on expanding its loan book while maintaining asset quality. There are no recent major developments available from the provided data or other sources up to October 2023.
PNB Housing Finance Revenue
In Q2FY26, PNB Housing Finance Ltd reported total income of ₹2130.60 crores, marking a 2.3% increase from ₹2081.87 crores in Q1FY26 and a 13.4% increase from ₹1879.66 crores in Q2FY25. This indicates a steady growth in revenue over both the quarter and the year. The company has consistently increased its revenue, reflecting its ability to generate increased income from its core loan products and associated financial services. The revenue growth can be attributed to the company's strategic positioning in the housing finance market and its efforts to expand its customer base and loan portfolio.
PNB Housing Finance Profitability
The Profit Before Tax (PBT) for Q2FY26 stood at ₹759.64 crores, reflecting a quarter-over-quarter increase of 10.4% from ₹687.92 crores in Q1FY26, and a significant year-over-year increase of 25.6% from ₹604.73 crores in Q2FY25. The Tax expense for the quarter was ₹178.05 crores, which increased by 15.3% from the previous quarter and 31.8% from the same quarter last year. Consequently, the Profit After Tax (PAT) for Q2FY26 was ₹581.59 crores, up by 9.0% quarter-over-quarter and 23.8% year-over-year. This robust growth in profitability metrics suggests effective cost management alongside revenue growth. The Earnings Per Share (EPS) also rose to ₹22.29 in Q2FY26, up from ₹20.45 in Q1FY26 and ₹18.02 in Q2FY25, reflecting the company's improved earnings performance.
PNB Housing Finance Operating Metrics
Total expenses in Q2FY26 were reported at ₹1484.14 crores, which is a 2.3% increase from ₹1450.17 crores in Q1FY26 and a 12.4% increase from ₹1320.54 crores in Q2FY25. The company has maintained a stable expense growth rate in line with its revenue increase, which supports its profitability. The consistent growth in both revenue and expenses indicates a balanced expansion strategy. The financial data suggests that the company has managed to keep its operational costs in check while continuing to grow its income, thereby achieving a stable financial performance over the quarters.