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PNBHOUSINGPNB Housing Finance Ltd.

873.6(+1.43%)

1W: +7.61%

1M: +12.18%

1Y: +14.95%

Financials

Charts

YoY Net Sales

Operating Margin

EPS Growth

Pros & Cons

POSITIVES

Strong revenue growth of 15% in the latest quarter indicates demand resilience.
Improved net interest margin suggests better profitability in loan offerings.
Reduction in non-performing assets (NPAs) reflects effective credit risk management.

NEGATIVES

Decline in net profit margin due to increased operating expenses.
Sluggish loan disbursement growth signals potential market challenges.
High dependency on wholesale funding raises liquidity concerns.

Quarterly Results Data

Field	Trend	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue		1,777.75	1,754.75	1,809.95	1,823.06	1,878.68	1,941.76	2,021.85	2,076.11
Expenses		1,057.30	1,086.62	1,069.70	1,096.93	1,118.50	1,157.92	1,178.05	1,234.37
Financing Profit		720.45	668.13	740.25	726.13	760.18	783.84	843.80	841.74
Other Income		1.65	1.25	4.02	9.02	0.98	1.35	14.93	5.76
Depreciation		11.33	13.05	14.18	13.35	13.85	14.38	14.31	14.70
Profit Before Tax		507.11	440.30	559.81	554.18	604.73	615.65	711.21	687.92
Tax		124.11	101.86	120.56	121.37	135.05	132.38	160.83	154.42
Net Profit		383	338.44	439.25	432.81	469.68	483.27	550.38	533.50
Gross Npa %		0	0	0	0	0	0	0	0
Net Npa %		0	0	0	0	0	0	0	0