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

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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 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
---|---|---|---|---|---|
-1.96% | +1.05% | +15.74% | +9.45% | +26.94% | +516.46% |