PNB Housing Finance (PNBHOUSING) — Financial Results

Investor Takeaways

Net profit declined 15% YoY to ₹557 crore in Q1 FY27

Revenue grew to ₹2,265 crore in Q1 FY27

GNPA remained stable at 0.95%

ROA declined to 2.37% from 2.89% YoY

⚠️ No specific risks identified in this filing

Overall Tone: Neutral based on the numbers only.

Key Financial Highlights

Metric	Value	YoY Change
Revenue	₹2,265 Cr	+15%
Net Profit	₹557 Cr	-15%
EBITDA	Not available	N/A
EPS	Not available	N/A
OPM	Not available	N/A

What Changed

PNB Housing Finance reported consolidated net profit of ₹557 crore for Q1 FY27, down 15% YoY from ₹656 crore in Q1 FY26, while revenue rose to ₹2,265 crore. Loan assets grew 3% YoY to ₹89,670 crore, with retail loans expanding 16% to ₹89,178 crore. GNPA remained stable at 0.95%, and ROA declined to 2.37% from 2.89% YoY. The company highlighted 13% YoY AUM growth to ₹93,021 crore and 27% growth in the Affordable and Emerging Markets segment, contributing 41% of retail assets. Quarterly trends show consistent revenue and profit growth over the last four quarters, with OPM remaining stable around 90-92%. The company emphasized strengthening distribution and digital capabilities to drive sustainable growth.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)
PNB Housing Finance Limited	15.22	Not available	Not available	27,863.17
HDFC Bank Limited	15.5	14.3%	24.4%	1,18,1607.38
ICICI Bank Limited	15.47	N/A%	N/A%	8,92,242
State Bank of India	10.44	N/A%	N/A%	8,89,093.09

PNB Housing Finance trades at a P/E ratio similar to HDFC Bank (15.22 vs 15.5), but its ROE and ROCE are not available for direct comparison with peers.

Risks & Concerns

No specific risks identified in this filing

Quarterly Trend

Quarter	Revenue (₹ Cr)	Net Profit (₹ Cr)	OPM%
Q3FY25	1,941.76	483.27	92.01
Q2FY25	1,878.68	469.68	92.41
Q1FY25	1,823.06	432.81	90.81
Q4FY24	1,809.95	439.25	90.59

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About PNB Housing Finance Limited (PNBHOUSING)

Financial Services · Finance · Listed on NSE

Market Cap: ₹27,863.17 Cr P/E: 15.2

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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This analysis was programmatically compiled using StockFin AI utilizing official regulatory disclosures from the BSE and NSE. Content is automatically synthesized and audited against public financial filings. StockFin.ai is an educational research platform and is NOT a SEBI-registered investment advisor or research analyst.

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