PNB Housing Finance Posts Q4 FY25 Results with Profit Surge

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PNB Housing Finance Q4 FY25: Net Profit Soars 25.3% to ₹550.38 Crore, Stock Jumps 9% to ₹1078

By S Jha

Mumbai, April 29, 2025: PNB Housing Finance Ltd. reported a stellar performance for the fourth quarter of FY25 (January–March 2025), with a 25.3% year-on-year (YoY) increase in consolidated net profit, reaching ₹550.38 crore, up from ₹439.25 crore in Q4 FY24.

Reacting to the announcement of the Q4 results, the PNB Housing Finance Ltd stock was trading with gains of almost nine per cent on Tuesday. The stock was trading at ₹1078 a share on Tuesday in early trades.

The company’s total income rose 12.3% YoY to ₹2,036.78 crore, fueled by strong retail lending and improved asset quality, according to its BSE filing.

Experts lauded the results, highlighting the company’s growth in affordable housing and disciplined financial metrics.

Investor Feed in a post on X emphasized the company’s full-year achievements, stating, “PNB Housing Finance FY25 Highlights: 28% PAT Growth to ₹1,936 crore, Total Loan Asset crosses ₹75,000 crore; AUM exceeds ₹80,000 crore, Retail Loan Asset up 18% YoY to ₹74,802 crore.”

This underscores the company’s robust loan portfolio expansion, with assets under management (AUM) growing 13% YoY to ₹80,397 crore.

Pardeep, an analyst, on X provided a concise breakdown, noting, “PNB Housing Finance: Q4 CONS NET PROFIT 5.5B RUPEES VS 4.4B (YOY); Q4 REVENUE 20.22B RUPEES VS 18B (YOY); CO RECOMMENDED A FINAL DIVIDEND OF 5 RUPEES PER EQUITY SHARE.” The dividend announcement has been a key highlight for investors, signaling confidence in sustained profitability.

City Equity, in a post on X, called the results “Excellent”, detailing, “Net Interest Income up 16% to Rs. 734cr, NIM at 3.75% vs 3.65% in Q4FY24, ROA at 2.76%, PAT up by 28% to Rs. 1936cr for FY25.”

They also praised the company’s asset quality, with gross non-performing assets (GNPA) improving to 1.08% from 1.19% quarter-on-quarter (QoQ), and net NPA dropping to 0.69%. The affordable loan segment’s 183% YoY growth, crossing ₹5,000 crore, was a standout performer.

CA Ram, in a post on X, offered a detailed financial snapshot: “PNB Housing Finance – Q4 FY25 Results: Net Profit (PAT): ₹550 crore, YoY: ₹440 crore (+25.00%), QoQ: ₹483 crore (+13.88%); Revenue: ₹2,022 crore, YoY: ₹1,800 crore (+12.33%); GNPA: 1.08% (vs 1.19% QoQ).”

The consistent improvement in asset quality and profitability metrics reflects the company’s strategic focus on retail lending.

Stocki Zen, in a post on X, highlighted operational efficiency, stating, “PNB Housing Finance Ltd Q4 FY25 Results: Revenue from Operations ₹2,021.85 crore (QoQ: +4.1%, YoY: +11.7%); Profit Before Tax (PBT) ₹711.21 crore (QoQ: +15.5%, YoY: +27.1%); Net Profit (PAT) ₹550.38 crore (QoQ: +13.9%, YoY: +25.3%).”

The 25% YoY growth in disbursements to ₹21,972 crore, with affordable and emerging markets contributing 40% to retail disbursements, was a key driver.

Sabari, in a post on X, echoed the sentiment, calling the results “Excellent” and noting, “PNB Housing Finance – Q4 FY25 result: YoY revenue – 2,022 cr Vs 1,810 cr, YoY PBT – 711 cr Vs 560 cr, YoY PAT – 550 cr Vs 439 cr, YoY EPS – 21.17 vs 16.91.” The strong earnings per share growth further bolstered investor confidence.

Girish Kousgi, Managing Director & CEO of PNB Housing Finance, attributed the success to the retail segment’s 18.2% YoY growth to ₹74,802 crore, particularly in affordable and emerging markets. “With focus on collections across buckets, the Gross NPA improved to 1.08% as on March 31, 2025, as compared to 1.50% as on March 31, 2024,” Kousgi said, adding that the return on assets (RoA) rose 35 basis points to 2.55% for FY25.

The company’s strategic shift toward retail, with 97% of its portfolio in retail lending and a reduced corporate loan book (down 43.8% YoY to ₹1,241 crore), has paid dividends.

Analysts remain optimistic, with brokerages like Nirmal Bang and Motilal Oswal reiterating “Buy” ratings, citing a target price of ₹1,100–₹1,160, driven by sustained retail execution and asset quality improvements.

Disclaimer: This article makes no recommendation for buy or sell of shares of any company.