| Revenue growth | NII grew 11% YoY in Q4 and 13% for FY26. |
|---|---|
| Margins | NIM improved to 3.69% in Q4; yields bottomed out, expected to rise. |
| Order book | Loan book stood at ₹87,347 crores as of March 31, 2026. |
| Demand visibility | Strong structural drivers in Tier 2/3 cities and affordable housing. |
| Management confidence | High; aiming for 50/50 mix of Prime vs. Affordable/Emerging segments. |
Growth
PAT grew 18% YoY to ₹2,291cr in FY26. Retail loan book increased 16% YoY to ₹86,946cr.
Outlook
FY27 guidance: AUM >₹1 lakh crore, 18-20% retail growth, NIM 3.55-3.65%, and ROA 2.4-2.5%.
Risks
Geopolitical conflicts and crude oil prices may elevate inflation/interest rates, potentially impacting asset quality and growth.
Earnings Call filed with BSE, NSE: PNBHOUSING. Summary written with AI assistance from the document.
PNB Housing Finance Ltd: key numbers
- Share price
- ₹1,128.50
- Market cap
- ₹29,432 Cr
- Revenue (annual)
- ₹8,505 Cr
- Net profit (annual)
- ₹2,291 Cr
- P/E (TTM)
- 12.7×Sector 21.9×
- 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