PNB Housing Finance Limited has informed the Exchange about Investor Presentation
PNBHOUSING · price
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PNB Housing Finance reported strong Q4 FY26 results with Retail Loan Assets growing 16% YoY to INR 86,946 crore. The company achieved a significant milestone with Gross NPA falling below 1% to 0.93%, while Net Profit rose 19% YoY to INR 656 crore in Q4. Retail disbursements hit an all-time high of INR 9,020 crore in Q4, driven by 32% YoY growth. The Affordable and Emerging Markets segments now contribute 40% of the retail portfolio. Net Interest Margin improved marginally to 3.69% while cost of borrowing reduced to 7.35%. The company revived its corporate segment with INR 335 crore disbursed in Q4 and recommended a dividend of INR 8 per share.
Strong operational performance with improving asset quality and healthy profitability growth should be positive for shareholders. The sub-1% GNPA milestone and negative credit cost indicate improving portfolio quality. However, yield compression across segments (Affordable, Emerging Markets, and Prime all showing YoY decline in incremental yield) suggests margin pressure may persist in competitive environments.