| 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
- ₹1,085.00
- Market cap
- ₹28,297 Cr
- Revenue (annual)
- ₹8,505 Cr
- Net profit (annual)
- ₹2,291 Cr
- P/E (TTM)
- 12.2×Sector 21.7×
- Promoter holding
- 28.03%-0.01% QoQ
- FII holding
- 16.81%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 Credit Rating
PNB Housing Finance received a [ICRA]AAA rating for its new Rs 2,000 Crore NCD programme. Existing ratings for bank facilities and NCDs were reaffirmed by ICRA.
PNB Housing Finance Debt & Borrowing
PNB Housing Finance intimated NSE of the record date for a CP redemption due 27 Oct 2026. No monetary value is stated in this intimation.
PNB Housing Finance Management Change
PNB Housing Finance designated Mr. Jatul Anand as its Chief Operating Officer (COO). He previously served as an Executive Director (non-Board).
PNB Housing Finance Debt & Borrowing: ₹500 Cr
PNB Housing allotted ₹500 Crore in 5-year secured NCDs at 8.135% via private placement on NSE EBP. The securities will be listed on NSE WDM segment.
- Value
- ₹500.0 Cr
PNB Housing Finance Earnings Call Transcript: Key Takeaways
Management is transitioning from a consolidation phase to aggressive retail expansion, targeting a 17% AUM CAGR through FY27. The strategy hinges on high-yield 'Affordable' and 'Emerging' verticals to offset Prime segment margin compression.
- Call
- Guides 17% growth
PNB Housing Finance Debt & Borrowing: ₹700 Cr
PNB Housing Finance Limited redeemed Commercial Papers worth ₹700 Crore on the due date of September 15, 2026. This confirms the repayment of debt obligations.
- Value
- ₹700.0 Cr