PNB Housing Finance Ltd's Q4FY25 Quarter Results
- 29 Apr 2025
Result Summary
- PNB Housing Finance Ltd reported a 6.6% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 10.8%.
- Its expenses for the quarter were down by 8.5% QoQ and up 8.5% YoY.
- The net profit decreased 9.1% QoQ and increased 57.3% YoY.
- The earnings per share (EPS) of PNB Housing Finance Ltd stood at 16.9 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 1813.97 | 1943.11 | 1637.72 | -6.6% | 10.8% |
Total Expenses | 1247.52 | 1363.59 | 1150.29 | -8.5% | 8.5% |
Profit Before Tax | 559.81 | 615.65 | 342.50 | -9.1% | 63.4% |
Tax | 120.56 | 132.38 | 63.22 | -8.9% | 90.7% |
Profit After Tax | 439.25 | 483.27 | 279.28 | -9.1% | 57.3% |
Earnings Per Share | 16.90 | 18.50 | 16.50 | -8.6% | 2.4% |
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 home loans to individuals and corporate bodies for the purchase, construction, repair, and renovation of residential properties. The company also extends loans against property and offers deposit products. As a key player in the housing finance industry, PNB Housing Finance Ltd is part of the larger ecosystem of financial services in India, which is heavily influenced by regulatory frameworks and economic conditions. Information regarding any recent major developments for PNB Housing Finance Ltd is not provided in the current dataset.
Revenue
The total income for PNB Housing Finance Ltd in Q4FY25 was ₹1813.97 crores, which represents a decrease of 6.6% from the previous quarter (Q3FY25), where it stood at ₹1943.11 crores. Comparatively, there is a year-over-year increase of 10.8% from Q4FY24, where the total income was ₹1637.72 crores. This indicates a general upward trend over the year, although with a recent quarterly decline. The fluctuations in total income can be attributed to various factors affecting the housing finance sector, including interest rates, demand for new housing, and regulatory changes, though these specific factors are not detailed in the provided data.
Profitability
The data shows that PNB Housing Finance Ltd's Profit Before Tax (PBT) for Q4FY25 was ₹559.81 crores, marking a decrease of 9.1% from the previous quarter (Q3FY25) figure of ₹615.65 crores. However, on a year-over-year basis, PBT increased significantly by 63.4% from Q4FY24, where it was ₹342.50 crores. The Profit After Tax (PAT) for Q4FY25 stood at ₹439.25 crores, showing a similar quarterly decrease of 9.1% compared to Q3FY25, but an increase of 57.3% from Q4FY24's PAT of ₹279.28 crores. The tax expense for Q4FY25 was ₹120.56 crores, which is 8.9% lower than the previous quarter but 90.7% higher than the same period last year. These figures reflect significant profitability improvements over the year despite recent quarterly declines.
Operating Metrics
In terms of operating metrics, the total expenses for PNB Housing Finance Ltd in Q4FY25 were ₹1247.52 crores, showing a decrease of 8.5% from the prior quarter (Q3FY25), where expenses were ₹1363.59 crores. Year-over-year, expenses increased by 8.5% from Q4FY24's ₹1150.29 crores. Earnings Per Share (EPS) for Q4FY25 was ₹16.90, which is a decrease of 8.6% from the previous quarter's EPS of ₹18.50. Compared to Q4FY24, the EPS increased slightly by 2.4% from ₹16.50. These operating metrics provide insight into the company's cost management and shareholder value over the given periods.
