PNB Housing Finance Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
PNBHOUSING · price
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On the reaction day the stock moved 7.2 pts more than Nifty Smallcap 250 and 4.9 pts more than its Housing Finance Company peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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PNB Housing Finance reported strong full-year FY26 results with standalone net profit after tax of ₹2,327.88 crore, up 19.4% YoY from ₹1,948.95 crore in FY25. Total revenue from operations grew 11.5% to ₹8,511.22 crore (vs ₹7,632.76 crore). Profit before tax rose ~20% to ₹3,003.80 crore. Basic EPS stood at ₹89.41 per share versus ₹75.02 in the prior year. The Board recommended a final dividend of ₹8 per equity share (up from ₹5 per share). Operating cash flow was negative at ₹8,972.56 crore (vs ₹8,119.50 crore), reflecting large loan disbursements of ₹11,590 crore, which is typical for a housing finance company. Total assets grew to ₹93,533 crore from ₹82,497 crore. Joint Statutory Auditors (M/s CNK & Associates LLP and M/s M. M. Nissim & Co LLP) issued an unmodified opinion with no qualifications. Related party disclosures were filed separately.
The 19%+ PAT growth and increased dividend are positive signals for shareholders. However, the high leverage (debt securities + borrowings + deposits of ~₹71,198 crore vs equity of ~₹19,226 crore) and persistent negative operating cash flows reflect the capital-intensive nature of lending and warrant monitoring.