ALFA Finder| Management target | Revenue 17.0% FY27 |
|---|
| Revenue growth | Retail loan book grew 14% YoY; total AUM at 71,000 Cr. |
|---|---|
| Margins | Guiding 3.5% NIM; yield expansion expected from affordable housing shift. |
| Order book | Loan book reached 65,000 Cr; 97% is now retail-focused. |
| Demand visibility | Strong long-term visibility backed by structural under-penetration in Indian mortgages. |
| Management confidence | High; management emphasizes shift from consolidation to balanced profitable growth. |
Growth
Retail book grew 14% YoY in FY24, with affordable 'Roshni' book crossing 2,000 Cr.
Outlook
Targeting 17% CAGR in loan book through FY27 with 15% steady-state ROE.
Risks
Expansion into riskier informal segments and Tier-3 cities may pressure asset quality despite current low GNPA.
Earnings Call Transcript filed with NSE, NSE: PNBHOUSING. Summary written with AI assistance from the document.
PNB Housing Finance Ltd: key numbers
- Share price
- ₹1,121.70
- Market cap
- ₹29,254 Cr
- Revenue (annual)
- ₹8,505 Cr
- Net profit (annual)
- ₹2,291 Cr
- P/E (TTM)
- 12.4×Sector 20.8×
- 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: ₹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.
PNB Housing Finance Investor Presentation: Key Takeaways
Q2 FY27: PAT INR 617 cr (+6% YoY), loan book INR 95,079 cr (+19% YoY), NIM 3.67%, GNPA 0.91%. Strategy shifts toward high-yield Affordable and Emerging Markets segments.
PNB Housing Finance Q2 FY27 Results: Net Profit ₹616.5 Cr, Up 6.0% YoY
PNB Housing Finance Ltd reported revenue from operations of ₹2,423 Cr (+13.9% YoY) and net profit of ₹616.5 Cr (+6.0% YoY) for Q2 FY27.
- Key figure
- Net profit ₹616.5 Cr · +6.0% YoY