PNB Housing Finance's Q4 FY 2025-26 Quarterly Results

Result Summary

• PNB Housing Finance Ltd reported a 4.0% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 12.3%.
• Its expenses for the quarter were down by 6.9% QoQ and up 11.5% YoY.
• The net profit increased 5.8% QoQ and increased 25.3% YoY.
• The earnings per share (EPS) of PNB Housing Finance Ltd stood at 21.1 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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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 housing finance sector in India. The company specializes in providing housing loans to individuals and businesses, facilitating the purchase, construction, and renovation of residential properties. As a housing finance company, PNB Housing Finance Ltd operates within the broader financial services industry, contributing significantly to the housing finance market by offering tailored loan products and services. The company is known for its extensive network and customer-centric approach, which aims to make housing finance accessible to a diverse clientele. Recent developments in the company or industry are not detailed in the provided data, so they remain unspecified here.

Revenue

For the quarter ending Q4FY26, PNB Housing Finance Ltd reported a total income of ₹2036.78 crores. This represents a decrease of 4.0% compared to the previous quarter (Q3FY26), where the total income was ₹2120.66 crores. However, there is a notable year-over-year increase of 12.3% from Q4FY25, when the total income was ₹1813.97 crores. This growth indicates a substantial rise in revenue over the year, reflecting the company's ability to generate higher income. The sequential quarterly decline may be attributed to various factors, including market conditions or seasonal variations, but these are not specified in the available data.

Profitability

The profitability of PNB Housing Finance Ltd has shown an upward trend. The Profit Before Tax (PBT) for Q4FY26 was ₹711.21 crores, marking a 6.4% increase from the previous quarter's PBT of ₹668.44 crores. On a year-over-year basis, the PBT rose by 27.0% from ₹559.81 crores in Q4FY25. After accounting for taxes, the Profit After Tax (PAT) stood at ₹550.38 crores in Q4FY26, reflecting a quarterly increase of 5.8% from ₹520.35 crores in Q3FY26 and a year-over-year growth of 25.3% from ₹439.25 crores in Q4FY25. These figures highlight a strong performance in terms of profitability, supported by effective cost management and revenue growth.

Operating Metrics

In terms of operating expenses, PNB Housing Finance Ltd reported total expenses of ₹1390.40 crores in Q4FY26, which is a decrease of 6.9% from the previous quarter's expenses of ₹1492.75 crores. On a year-over-year basis, there is an increase of 11.5% from ₹1247.52 crores in Q4FY25, indicating a rise in operational outlays over the year. The company's Earnings Per Share (EPS) in Q4FY26 was ₹21.10, up by 5.9% from ₹19.93 in Q3FY26 and a significant increase of 25.1% from ₹16.86 in Q4FY25. These metrics suggest improvements in efficiency and shareholder value over the year, reflecting the company's focus on enhancing operational performance and profitability.