PNB Housing Finance: Q4 Profit Surge Drives Stock to Upper Circuit

2 min read     Updated on 29 Apr 2025, 06:26 AM
scanxBy ScanX News Team
whatsapptwittershare
Overview

PNB Housing Finance Limited reported a 28% year-on-year increase in standalone net profit to Rs 567.10 crore for FY25. Total income rose by 13% to Rs 2,045.30 crore. Q4 PAT grew 14% quarter-on-quarter to Rs 5.50 billion. High-yielding segments contributed 25% of retail assets and 40% of retail disbursements. The company saw provision write-backs and improved liability management. A final dividend of Rs 5.00 per share was declared. The stock surged 10.05% to Rs 1,085.00 following the results announcement.

7433827

*this image is generated using AI for illustrative purposes only.

PNB Housing Finance , a leading housing finance company in India, has reported robust financial results for the fourth quarter and fiscal year ended March 31, 2025, demonstrating significant growth across key metrics. The company's shares responded positively, surging to the upper circuit, rising 10.05% to Rs 1,085.00 in Tuesday's trading session following the announcement of its fourth quarter results on Monday.

Impressive Financial Performance

For the fiscal year 2024-25 (FY25), PNB Housing Finance recorded a 28% year-on-year increase in standalone net profit, reaching Rs 567.10 crore. The company's total income rose by 13% to Rs 2,045.30 crore.

In the fourth quarter (Q4) of FY25, the company's Profit After Tax (PAT) grew by 14% quarter-on-quarter to Rs 5.50 billion, with Return on Assets (RoA) at 2.75%.

Key Financial Highlights

Metric FY25 YoY Change
Standalone Net Profit Rs 567.10 crore +28%
Total Income Rs 2,045.30 crore +13%

Strong Growth in High-Yielding Segments

PNB Housing Finance reported that high-yielding segments contributed 25% of retail assets and 40% of retail disbursements. This focus on profitable segments has helped drive the company's growth and profitability.

Improved Asset Quality and Liability Management

The company saw provision write-backs, indicating an improvement in asset quality. Additionally, effective liability management has contributed to the strong financial performance.

Dividend Announcement

The Board of Directors has declared a final dividend of Rs 5.00 per share for FY25, subject to shareholders' approval at the upcoming Annual General Meeting.

Market Response and Analyst Outlook

The strong financial results were well-received by investors, leading to a significant increase in PNB Housing Finance's share price. The stock hit the upper circuit, rising 10.05% to Rs 1,085.00 in Tuesday's trading session, reflecting the market's positive sentiment towards the company's performance and future prospects.

ICICI Securities maintains a Buy rating on PNB Housing Finance, indicating confidence in the company's growth trajectory and financial health.

Progress Towards Long-Term Goals

The company's strong Q4 results suggest that PNB Housing Finance is on track to achieve its FY27 goals. The focus on high-yielding segments, improved asset quality, and effective liability management are all contributing factors to this positive outlook.

Conclusion

PNB Housing Finance's impressive Q4 and FY2025 results, coupled with the positive market response and analyst outlook, position the company well for continued growth in the Indian housing finance market. The company's strategic focus on high-yielding segments and effective management of assets and liabilities are likely to drive sustained performance in the coming years.

Historical Stock Returns for PNB Housing Finance

1 Day5 Days1 Month6 Months1 Year5 Years
-1.96%+1.05%+15.74%+9.45%+26.94%+516.46%
PNB Housing Finance
View in Depthredirect

PNB Housing Finance: Q4 Profit Surges 28%, Dividend Announced

1 min read     Updated on 28 Apr 2025, 06:08 PM
scanxBy ScanX News Team
whatsapptwittershare
Overview

PNB Housing Finance Limited has reported strong financial results for Q4 and FY25. Net profit for FY25 increased by 28.4% to ₹1,936.00 crore. The company's loan asset crossed ₹75,000 crore, growing 16% YoY, while AUM surpassed ₹80,000 crore. Asset quality improved with GNPA declining to 1.08%. The retail loan segment saw significant growth, especially in affordable housing. The Board has approved a final dividend of ₹5.00 per equity share for FY25.

7389545

*this image is generated using AI for illustrative purposes only.

PNB Housing Finance Limited has announced its financial results for the fourth quarter and fiscal year ended March 31, 2025, showcasing robust growth across key metrics.

Q4 FY25 Highlights

  • Net profit increased by 28% year-over-year to ₹567.10 crore
  • Total income rose 13% to ₹2,045.30 crore
  • Net Interest Margin widened to 27.74%

FY25 Performance

  • Net profit for FY25 rose by 28.4% to ₹1,936.00 crore, compared to ₹1,508.00 crore in FY24
  • Net Interest Income grew by 9.3% YoY to ₹2,750.00 crore
  • Loan Asset crossed the ₹75,000 crore mark, growing 16% YoY
  • Assets Under Management (AUM) surpassed ₹80,000 crore, up 13% YoY

Asset Quality Improvement

The company reported significant improvement in asset quality:

  • Gross Non-Performing Assets (GNPA) declined to 1.08% as of March 31, 2025, compared to 1.50% a year ago
  • Net Non-Performing Assets (NNPA) improved to 0.69% from 0.95% in the previous year

Business Growth

PNB Housing Finance witnessed strong growth in its retail segment:

  • Retail Loan Asset grew by 18% YoY to ₹74,802.00 crore
  • Affordable Housing Loan Asset crossed the ₹5,000 crore mark, growing by 183% YoY
  • Disbursements for FY25 increased by 25% YoY to ₹21,972.00 crore

Dividend Announcement

The Board of Directors has approved a final dividend of ₹5.00 per equity share for FY25, subject to shareholders' approval.

Management Commentary

Girish Kousgi, Managing Director & CEO, stated, "During the Financial Year 2024-25, the Company delivered strong performance across multiple parameters and surpassed its stated guidance for the year on growth, asset quality and profitability. The Retail Loan Asset grew by 18.2% YoY to ₹74,802 crore as on 31st March 2025, which was supported by growth in the Affordable and Emerging Markets segment."

PNB Housing Finance has expanded its presence to 356 locations across India, including dedicated branches for Affordable and Emerging Markets segments. The company's focus on retail growth, particularly in high-yielding segments, has contributed to its strong financial performance in FY25.

Financial Ratios

Ratio FY25 FY24
Return on Assets (RoA) 2.55% 2.20%
Capital Adequacy Ratio 29.38% -
Net Interest Margin 3.70% -

The company's strategic focus on retail lending, improved asset quality, and expansion in the affordable housing segment have positioned it well for continued growth in the coming fiscal year.

Additional Information

  • The trading window for designated persons will open from April 30, 2025.

PNB Housing Finance's strong Q4 and FY25 performance, coupled with its dividend announcement, reflects the company's robust financial health and positive outlook for the future.

Historical Stock Returns for PNB Housing Finance

1 Day5 Days1 Month6 Months1 Year5 Years
-1.96%+1.05%+15.74%+9.45%+26.94%+516.46%
PNB Housing Finance
View in Depthredirect
More News on PNB Housing Finance
Explore Other Articles
Indus Towers Reports Strong FY2025 Performance with 64.5% Surge in Profit2 hours ago
Eternal (Formerly Zomato) Poised for Strong Q4 Revenue Growth Amid Profit Concerns2 hours ago
Ola Electric Sets May 2025 for Roadster X Motorcycle Deliveries11 hours ago
Paytm Expands Global Footprint: Establishes New Subsidiary in UAE12 hours ago
NITCO Secures ₹111 Crore Order from Prestige Estates, Boosting Business Outlook12 hours ago
Zaggle Seals One-Year Deal with Aster DM Healthcare for Employee Expense Management14 hours ago
1,010.20
-20.20
(-1.96%)