PNB Housing Finance's Q3 FY 2025-26 Quarterly Results
- 22 Jan 2026
Result Summary
- PNB Housing Finance Ltd reported a 0.5% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 9.1%.
- Its expenses for the quarter were up by 0.6% QoQ and 9.5% YoY.
- The net profit decreased 10.5% QoQ and increased 7.7% YoY.
- The earnings per share (EPS) of PNB Housing Finance Ltd stood at 19.93 during Q3 FY 2025-26.
Financial Statments for Q3 FY 2025-26
Total Income | 2120.66 | 2130.60 | 1943.11 | -0.5% | 9.1% |
Total Expenses | 1492.75 | 1484.14 | 1363.59 | 0.6% | 9.5% |
Profit Before Tax | 668.44 | 759.64 | 615.65 | -12.0% | 8.6% |
Tax | 148.09 | 178.05 | 132.38 | -16.8% | 11.9% |
Profit After Tax | 520.35 | 581.59 | 483.27 | -10.5% | 7.7% |
Earnings Per Share | 19.93 | 22.29 | 18.53 | -10.6% | 7.6% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
PNB Housing Finance Ltd is a prominent player in the Indian housing finance sector, providing a variety of financial services primarily focused on home loans to individuals and corporate entities. The company is part of the financial services industry and operates under the umbrella of Punjab National Bank. Known for its extensive portfolio, PNB Housing Finance offers products such as home loans, construction loans, loan against property, and lease rental discounting. Recent major developments in the industry may not be specified here, but the company remains a key participant in the housing finance market, driven by the increasing demand for housing loans and real estate development in India.
Revenue
In the third quarter of fiscal year 2026 (Q3FY26), PNB Housing Finance Ltd reported a total income of ₹2120.66 crores, slightly down from ₹2130.60 crores in Q2FY26, marking a quarter-over-quarter (QoQ) decline of 0.5%. Compared to the same quarter in the previous year (Q3FY25), the company's total income increased by 9.1% from ₹1943.11 crores. This year-over-year (YoY) growth indicates a positive trend in the company's revenue, reflecting an upward trajectory in its income generation over the past year.
Profitability
The profitability metrics for PNB Housing Finance Ltd in Q3FY26 show a profit before tax of ₹668.44 crores, which decreased by 12.0% QoQ from ₹759.64 crores in Q2FY26. On a YoY basis, there was an 8.6% increase from ₹615.65 crores in Q3FY25. The tax expense for Q3FY26 was ₹148.09 crores, down 16.8% QoQ from ₹178.05 crores in Q2FY26, and up 11.9% YoY from ₹132.38 crores in Q3FY25. The profit after tax stood at ₹520.35 crores, declining 10.5% QoQ from ₹581.59 crores in Q2FY26 but rising 7.7% YoY from ₹483.27 crores in Q3FY25. The earnings per share (EPS) was ₹19.93, a decrease of 10.6% from Q2FY26's ₹22.29, yet a 7.6% increase compared to ₹18.53 in Q3FY25. These figures highlight the fluctuations in profitability over the observed periods.
Operating Metrics
During Q3FY26, PNB Housing Finance Ltd recorded total expenses amounting to ₹1492.75 crores, which represents a slight QoQ increase of 0.6% from ₹1484.14 crores in Q2FY26. On a YoY basis, the expenses rose by 9.5% from ₹1363.59 crores in Q3FY25. These operating metrics indicate the company's cost management and spending patterns, with a steady increase in expenses over the year. The operating performance as reflected in these metrics is crucial for understanding the company's efficiency and cost control in its operations.