PNB Housing Finance Ltd (PNBHOUSING) Financials - Quarterly Results, Profit & Loss, Balance Sheet, Cash Flow PNB Housing Finance Ltd reported sales of ₹- Cr, operating profit of ₹- Cr (OPM -) and net profit of ₹617 Cr for the quarter ended Sep 2026. Figures in ₹ crore, consolidated where available.
PNBHOUSING quarterly results (₹ Cr) Metric Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026 Revenue 1,942 2,022 2,076 2,128 2,119 2,182 2,263 2,423 Interest 1,158 1,178 1,234 1,267 1,253 1,246 1,339 1,415 Expenses 155 133 145 88 183 52 192 196 Financing Profit 629 711 697 773 683 883 733 813 Financing Margin 32 35 34 36 32 40 32 34 Other Income 1 15 6 3 2 -10 2 1 Depreciation 14 14 15 16 16 19 16 17 Profit before tax 616 711 688 760 668 855 718 797 Tax 22% 23% 22% 23% 22% 23% 22% 23% Net Profit 483 550 534 582 520 656 557 617 EPS in Rs 18.6 21.17 20.51 22.33 19.97 25.17 21.39 23.64 Gross NPA 1.19 - 1.06 1.04 1.04 0.93 0.95 - Net NPA 0.8 - 0.69 0.69 0.68 0.57 0.58 -
PNBHOUSING profit & loss, annual (₹ Cr) Metric Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM Revenue 6,196 6,527 7,053 7,685 8,494 8,987 Interest 4,065 3,900 4,263 4,552 5,001 5,252 Expenses 998 1,217 789 598 467 623 Financing Profit 1,133 1,410 2,001 2,535 3,027 3,112 Financing Margin 18 22 28 33 36 35 Other Income 5 2 4 6 10 -5 Depreciation 53 51 51 56 66 69 Profit before tax 1,084 1,361 1,954 2,486 2,971 3,038 Tax 23% 23% 23% 22% 23% - Net Profit 836 1,046 1,508 1,936 2,291 2,350 EPS in Rs 32.28 40.31 58.06 74.49 87.94 90.17 Dividend Payout 0% 0% 0% 7% 9% -
PNBHOUSING balance sheet (₹ Cr) Metric Mar 2024 Mar 2025 Sep 2025 Mar 2026 Sep 2026 Equity Capital 260 260 261 261 261 Reserves 14,715 16,603 17,710 18,959 19,988 Other Liabilities 2,414 3,348 2,618 3,094 1,792 Total Liabilities 72,405 82,520 85,756 93,512 1,01,638 Fixed Assets 207 239 259 274 276 CWIP 15 16 3 6 4 Investments 4,346 3,381 3,116 2,779 3,708 Other Assets 67,837 78,884 82,378 90,453 97,650 Total Assets 72,405 82,520 85,756 93,512 1,01,638 Borrowing 55,017 62,310 65,168 71,199 79,597
PNBHOUSING cash flows (₹ Cr) Metric Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Cash from Operating Activity 6,254 -1,865 -4,662 -8,057 -8,984 Cash from Investing Activity -1,475 176 -1,186 757 684 Cash from Financing Activity -6,732 301 4,179 7,404 8,720 Net Cash Flow -1,953 -1,388 -1,669 104 421 Free Cash Flow 6,239 -1,880 -4,701 -8,106 -9,016 CFO/OP 127% -29% -69% -108% -105%
PNBHOUSING ratios Metric Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 ROE 9 10 12 12 13