ALFA Finder| Revenue growth | Interest income grew 11% in FY26 to ₹8,071cr. |
|---|---|
| Margins | NIM at 3.69% (Q4); Cost of borrowing improved to 7.35%. |
| Demand visibility | Strong retail demand, particularly in Affordable (61% YoY asset growth). |
| Management confidence | High, citing record disbursements and milestone asset quality levels. |
Growth
Retail Loan Assets grew 16% YoY to ₹86,946cr; PAT for FY26 rose 18% YoY to ₹2,291cr.
Outlook
Focus on 80% branch network in affordable/emerging markets; ROA target of 2.66% and sub-1% GNPA maintenance.
Risks
Slight yield moderation to 9.47% in Q4 from 9.72% in Q3; net interest margin compression YoY.
Earnings Call filed with BSE, NSE: PNBHOUSING. Summary written with AI assistance from the document.
PNB Housing Finance Ltd: key numbers
- Share price
- ₹1,117.30
- Market cap
- ₹29,140 Cr
- Revenue (annual)
- ₹8,505 Cr
- Net profit (annual)
- ₹2,291 Cr
- P/E (TTM)
- 12.4×Sector 21.0×
- Promoter holding
- 28.01%-0.02% QoQ
- FII holding
- 14.19%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from PNB Housing Finance Ltd
All →PNB Housing Finance Debt & Borrowing: ₹253.7 Cr
PNB Housing Finance allotted 25,365 secured NCDs aggregating Rs 253.65 Crore on private placement. The allotment was made on October 23, 2026, at an 8.4552% coupon.
- Value
- ₹253.7 Cr
PNB Housing Finance Debt & Borrowing: ₹750 Cr
PNB Housing Finance allotted 75,000 NCDs aggregating ₹750 Crore via private placement on NSE WDM. The instruments carry 8.62% coupon with maturity in January 2030.
- Value
- ₹750.0 Cr
PNB Housing Finance Debt & Borrowing: ₹900 Cr
PNB Housing Finance confirmed full redemption of Commercial Paper series CP-535 (ISIN INE572E14KR8) on maturity, 5 November 2026. The redeemed amount was INR 900 Crore across 18,000 CPs.
- Value
- ₹900.0 Cr
PNB Housing Finance Debt & Borrowing
PNB Housing Finance intimated record dates of 25 and 26 November 2026 for two commercial paper ISINs, which mature the following day. The record dates are for redemption of CPs.
PNB Housing Finance Earnings Call Transcript: Key Takeaways
PNB Housing delivers strong disbursement growth and margin expansion, supported by a significant credit rating upgrade to AAA.
- Call
- Guides 20% growth
PNB Housing Finance Other Announcement
PNB Housing reported no deviation in NCD proceeds for the quarter ended September 30, 2026. Its CFO also certified commercial paper proceeds were used as disclosed.