PNB Housing Finance Q4 Results 2025: Profit Up 25% & Share Price Surges 10%: Check More

PNB Housing Finance has declared its Q4 results for the year ended 31st March 2025. The company has reported a profit of ₹550 crores in Q4, indicating a year-on-year (YoY) growth of 25%. This rise is mainly driven by improvement in asset quality and steady business growth. As of 29th April 2025, the share price of the company is ₹1,027.8 on the NSE.

“The company delivered strong performance across multiple parameters and surpassed its stated guidance for the year on growth, asset quality and profitability,” ~ Girish Kousgi, Managing Director.

Financial Performance Q4 2025 Key Highlights

• PNB Housing Finance has posted a strong financial performance for the fourth quarter of FY 2025. With a year-on-year increase of 25% in profitability, the company has witnessed massive growth.
• The share price of PNB Housing Finance surged by 10%, opening at ₹1060 on 29th April 2025 on the NSE. Observing the past price movements, the stock is growing on an upward trajectory.
• Net interest income rose by 19.2%, further reflecting the overall financial position.
• The lender’s net interest margin was 3.75% for Q4, improving from 3.70% in the previous quarter.
• The company also reported better asset quality for the fourth quarter, driven by proper risk management. Gross non-performing assets (NPA) dropped to 1.08% from 1.19% in Q3. However,  net NPA improved from 0.8% to 0.69%. This demonstrates better loan recovery and proper management.
• Moreover, the company’s Assets Under Management (AUM) crossed ₹80,000 crores, growing about 13% year-on-year. 
• Retail loan assets rose by 18.2% to reach ₹74,802 crores. This was primarily driven by strong performance in the affordable and emerging markets segments. 

FY25 Annual Performance

• Net profit for the financial year ended 31st March 2025 stood at ₹1936 crores, rising by 28% from ₹1508 crores in the previous year.
• The company has also declared a dividend of ₹5 per share for FY2025.
• The stock price of PNB Housing Finance witnessed a growth of 30.73% in a span of one year, indicating strong growth and improved company performance.

Final Thoughts

PNB Housing Finance has demonstrated substantial growth in Q4 of the financial year ending 31st March 2025. With a 25% increase in quarterly profits, the company has also improved its asset quality and expanded its portfolio. Moreover, the company has grown by 30.73% in one year and by 521.26% in 5 years. This excellent performance is a strong indication of the company’s fundamentals as well as its market standing. Thus, conservative investors can track the performance of this stock.

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Disclaimer: Investment in the share market is subject to risk. This news article is for informational purposes only. Conduct your own research before investing in shares and other securities. 

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