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PNB Housing Finance (PNBHOUSING) investor relations material
PNB Housing Finance Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary22 Jul, 2025
Executive summary
Retail loan book grew 18.1% year-over-year to INR 76,923 crores as of June 30, 2025, with Affordable and Emerging Markets segments now comprising 37% of retail loans.
Disbursements in Affordable and Emerging Markets grew 30% and 32% year-over-year, respectively, contributing 50% of total retail disbursements.
Branch network expanded to 356, including 200 for Affordable and 80 for Emerging Markets segments.
Asset quality improved, with gross NPA at 1.06% as of June 30, 2025, and net NPA at 0.69%.
Net profit after tax for Q1 FY26 was INR 534 crore, up 23% year-over-year; ROA at 2.57%.
Financial highlights
Net interest income for Q1 FY26 was INR 760 crore, up 17% year-over-year; NIM stable at 3.74%.
Pre-provision operating profit up 17% year-over-year to INR 632 crores.
PAT for Q1 FY26 at INR 534 crores, up 23% year-over-year.
EPS (basic) for Q1 FY26 stood at 20.5, compared to 16.7 in Q1 FY25.
Capital adequacy ratio at 29.7%, with Tier 1 at 28.96%.
Outlook and guidance
NIM guidance for FY26 raised to 3.7%.
Book growth targeted at 18% for FY26, with prime segment growth expected in single digits.
ROE expected to reach 14-15% in three years as capital deployment improves.
Plan to add 40-50 branches in FY26, focusing on tier 2 and 3 cities.
Emphasis on maintaining best-in-class asset quality and leveraging digital transformation for efficiency.
What is the security coverage on debt securities?
Detail PHFL Home Loans performance.
When will the trading window open?
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Next PNB Housing Finance earnings date
Q2 25/2627 Oct, 2025
Next PNB Housing Finance earnings date
Q2 25/2627 Oct, 2025
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Frequently asked questions
PNB Housing Finance Limited (PNB Housing) is an Indian company specializing in housing finance. PNB Housing provides a range of financial services related to the housing sector, including loans to individuals and corporate bodies for construction, purchase, repair, and upgrade of houses. It also offers loans for commercial spaces and loans against property among other financial products. The company is headquartered in New Delhi, India.
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