PNB Housing Finance Ltd's Q1FY26 Quarterly Results

Result Summary

• PNB Housing Finance Ltd reported a 14.8% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1FY26). On a year-on-year (YoY) basis, it witnessed a growth of 13.6%.
• Its expenses for the quarter were up by 16.2% QoQ and 12.4% YoY.
• The net profit increased 21.5% QoQ and increased 23.3% YoY.
• The earnings per share (EPS) of PNB Housing Finance Ltd stood at 20.4 during Q1FY26.

Financial Statments for Q1FY26

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

PNB Housing Finance Ltd is a prominent housing finance company in India, primarily engaged in providing housing loans and construction finance. The company offers a range of loan products aimed at different segments, including home purchase loans, home construction loans, and loans against property. As a part of the financial services industry, PNB Housing Finance Ltd operates in a market influenced by interest rates, real estate trends, and economic conditions. Recent developments in the housing finance sector, such as regulatory changes or shifts in housing demand, could impact the company's operations, but specific recent events are not available in the provided data.

Revenue

In the first quarter of the fiscal year 2026 (Q1FY26), PNB Housing Finance Ltd reported a total income of ₹2081.87 crores. This represents a 14.8% increase from the previous quarter (Q4FY25), where the total income was ₹1813.97 crores, and a 13.6% increase from the corresponding quarter in the previous fiscal year (Q1FY25), which recorded an income of ₹1832.08 crores. The revenue growth both quarter-over-quarter and year-over-year suggests a strong performance during this period. This increase in total income is a key indicator of the company's expanding revenue-generating activities, reflecting its operational effectiveness in catering to its market segment during the reporting period.

Profitability

PNB Housing Finance Ltd's profitability metrics for Q1FY26 show significant improvements compared to previous periods. The profit before tax for the quarter stood at ₹687.92 crores, marking a 22.9% increase from the previous quarter's ₹559.81 crores and a 24.1% rise from the ₹554.18 crores reported in Q1FY25. Profit after tax also increased, reaching ₹533.50 crores, up 21.5% from ₹439.25 crores in Q4FY25 and 23.3% higher than the ₹432.81 crores in Q1FY25. The earnings per share (EPS) rose to ₹20.40 in Q1FY26, a 20.7% increase from ₹16.90 in Q4FY25 and a 22.9% increase from ₹16.60 in Q1FY25. These figures reflect strong profitability growth, underpinned by effective cost management and increased revenue.

Operating Metrics

The total expenses for Q1FY26 were ₹1450.17 crores, up 16.2% from ₹1247.52 crores in Q4FY25 and 12.4% higher than the ₹1289.86 crores in Q1FY25. The increase in expenses is consistent with the growth in total income, which suggests that the company maintained its operational scale while managing costs effectively. Tax expenses rose to ₹154.42 crores in Q1FY26, a 28.1% increase from ₹120.56 crores in Q4FY25 and 27.2% from ₹121.37 crores in Q1FY25. The company's ability to achieve higher profits despite increased expenses and tax liabilities indicates robust operational performance. No financial ratios such as P/E ratio, debt-to-equity ratio, or current ratio can be calculated from the provided data.