During Tuesday’s trading session, the shares of a deposit-taking Housing Finance Company registered with National Housing Bank (NHB) jumped 10 percent on BSE, after the company reported Q4 FY25 financial results with a net profit increase of around 14 percent QoQ and nearly 25 percent YoY.
Price Movement
With a market cap of Rs. 27,084 crores, at 12:05 p.m., the shares of PNB Housing Finance Limited were trading in the green at Rs. 1,042 on BSE, up by nearly 6 percent, compared to its previous closing price of Rs. 986.75.
The stock has delivered positive returns of over 30 percent in one year, and has gained around 19 percent in the last one month.
What’s the News
The fluctuations in the share prices were observed after PNB Housing Finance Limited announced the financial results for Q4 FY25, through the latest filings with the stock exchanges on Monday after market hours.
For Q4 FY25, PNB Housing Finance reported a net interest income (NII) of Rs. 734 crores, reflecting a growth of around 5.5 percent QoQ from Rs. 696 crores in Q3 FY25, and a year-on-year increase of around 16.2 percent from Rs. 632 crores in Q4 FY24.
Net Interest Margin (NIM) stood at 3.75 percent in Q4 FY25 as compared to 3.70 percent in Q3 FY25 and 3.65 percent in Q4 FY24.
The total revenue from operations stood at Rs. 2,021.8 crores, reflecting a growth of around 4 percent QoQ from Rs. 1,941.8 crores in Q3 FY25, and a year-on-year rise of around 12 percent from Rs. 1,810 crores in Q4 FY24.
Further, the company’s consolidated net profit for Q4 FY25 grew to Rs. 550.4 crores, representing a significant growth of around 14 percent QoQ from Rs. 483.3 crores in Q3 FY25, and an increase of nearly 25.3 percent YoY from Rs. 439.3 crores in Q4 FY24.
As of 31st March 2025, the Affordable segment Loan Asset crossed the Rs. 5,000 crore mark, the Retail segment Loan Asset grew by 18 percent YoY to Rs. 74,802 crore, and Total Loan Asset crossed Rs. 75,000 crore, and AUM crossed Rs. 80,000 crore. Asset under Management (AUM) grew by 13 percent YoY and 5 percent QoQ to Rs. 80,397 crores, over the same period. Additionally, the company’s Board has recommended a dividend of Rs. 5 per equity share for FY25.
About the Company
PNB Housing Finance Limited, a deposit-taking Housing Finance Company, is primarily engaged in the business of providing loans to individuals and corporate bodies for the purchase, construction, repair and up-gradation of houses. It also provides loans for commercial space, loans against property and loans for the purchase of residential plots.
Written by Shivani Singh
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