PNB Housing Finance quarterly results and financials

PNB Housing Finance (PNBHOUSING)₹1,111+0.59%(9 Nov 2026 close)Housing Finance Company

Key facts

In the Sep 2026 quarter (consolidated), PNB Housing Finance reported revenue of ₹2,429 Cr, up 13.7% from Sep 2025, and net profit of ₹619 Cr, up 6.1% year on year. For the year to Mar 2026, revenue were ₹8,523 Cr and net profit ₹2,295 Cr.

Revenue (Sep 2026): ₹2,429 Cr
Net profit (Sep 2026): ₹619 Cr
Revenue (FY Mar 2026): ₹8,523 Cr
Net profit (FY Mar 2026): ₹2,295 Cr
EPS (Sep 2026): ₹23.61
Borrowings (Mar 2026): ₹70,988 Cr

Company filings, consolidated accounts; latest reported quarter Sep 2026

PNB Housing Finance quarterly results

₹ crore unless stated; each column is a quarter.

PNB Housing Finance Quarterly results
	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Revenue	1,760	1,817	1,829	1,886	1,948	2,028	2,083	2,136	2,125	2,190	2,270	2,429
Interest	1,090	1,073	1,100	1,121	1,162	1,182	1,239	1,271	1,258	1,250	1,344	1,421
Net interest income	670	744	729	764	785	845	844	864	867	940	926	1,008
Expenses	215	169	167	143	154	132	144	87.75	182	51.79	191	195
Financing Profit	453	572	561	620	631	714	700	776	685	885	735	816
Financing Margin %	26.1%	31.1%	31.1%	33.0%	32.0%	35.1%	34.1%	36.0%	32.1%	40.1%	32.0%	34.1%
Other Income	0.99	3.99	8.99	0.99	0.99	14.97	5.99	2.99	1.99	−9.98	1.99	0.99
Depreciation	12.97	13.98	12.97	13.98	13.98	13.97	14.97	15.97	15.96	18.97	15.96	16.98
Profit before tax	440	560	554	605	616	711	688	759	668	855	719	797
Tax %	23.1%	22.1%	22.1%	22.0%	22.1%	23.1%	22.1%	23.1%	22.0%	23.0%	22.1%	23.0%
Net Profit	338	440	434	471	484	551	535	583	521	657	558	619
EPS (Rs)	13.01	16.87	16.62	18.04	18.55	21.12	20.46	22.29	19.92	25.12	21.37	23.61
Gross NPA %	1.7%	1.5%	1.4%	1.2%	1.2%	1.1%	1.1%	1.0%	1.0%	0.9%	1.0%	—
Net NPA %	1.1%	1.0%	0.9%	0.8%	0.8%	0.7%	0.7%	0.7%	0.7%	0.6%	0.6%	—
Provision coverage (approx., excl. write-offs) %	34.1%	36.7%	31.9%	32.3%	32.8%	36.1%	34.9%	33.7%	34.6%	38.7%	39.0%	—

PNB Housing Finance profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

PNB Housing Finance Profit and loss
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	5,509	7,707	8,508	7,632	6,215	6,542	7,080	7,707	8,523	9,013
Interest	3,547	5,187	5,896	5,118	4,080	3,913	4,274	4,569	5,015	5,272
Net interest income	1,962	2,520	2,612	2,514	2,135	2,629	2,806	3,138	3,508	3,741
Expenses	691	747	1,731	1,249	994	1,212	786	596	465	621
Financing Profit	1,262	1,767	872	1,254	1,137	1,414	2,007	2,545	3,035	3,122
Financing Margin %	23.0%	23.1%	10.1%	16.1%	18.1%	22.1%	28.1%	33.1%	36.1%	34.6%
Other Income	0.00	3.99	6.99	15.97	4.99	1.99	3.99	5.99	9.98	−5.01
Depreciation	23.94	30.96	65.91	58.90	52.91	50.90	50.94	55.89	65.89	67.87
Profit before tax	1,236	1,735	811	1,206	1,084	1,360	1,955	2,487	2,971	3,039
Tax %	32.1%	31.0%	20.1%	23.0%	23.1%	23.1%	23.1%	22.1%	23.0%	—
Exceptional items	0.00	0.00	0.00	−1.99	0.00	0.00	0.00	0.00	0.00	—
Net Profit	843	1,194	648	932	837	1,048	1,511	1,940	2,295	2,355
EPS (Rs)	32.79	46.22	24.94	35.92	32.20	40.23	57.91	74.32	87.78	90.02
Dividend payout %	18.0%	13.0%	0.0%	0.0%	0.0%	0.0%	0.0%	6.9%	8.9%	—

PNB Housing Finance balance sheet

₹ crore, at each year end.

PNB Housing Finance Balance sheet
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	167	167	168	168	169	169	260	260	261
Reserves	6,383	7,346	7,805	8,730	9,672	10,807	14,661	16,543	18,897
Borrowings	53,671	71,642	67,576	59,270	52,824	53,462	54,868	62,130	70,988
Other Liabilities	2,657	4,445	3,182	3,062	2,883	2,227	2,402	3,332	3,079
Total Liabilities	62,878	83,600	78,731	71,230	65,547	66,666	72,191	82,263	93,224
Fixed Assets	75.83	103	250	181	150	146	206	238	273
CWIP	9.99	4.99	3.99	1.99	4.01	2.99	15.01	15.99	6.01
Investments	2,403	4,547	2,068	2,036	3,469	3,182	4,328	3,366	2,770
Other Assets	60,390	78,946	76,408	69,011	61,925	63,334	67,641	78,643	90,174
Trade receivables	0.00	39.01	44.97	45.02	42.96	12.99	50.95	49.99	47.01
Cash & equivalents	2,826	4,050	8,547	6,998	5,235	3,813	2,618	3,613	3,352
Total Assets	62,878	83,600	78,731	71,230	65,547	66,666	72,191	82,263	93,224

PNB Housing Finance cash flow

₹ crore, for each year.

PNB Housing Finance Cash flow
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−15,641	−16,597	8,919	6,789	6,251	−1,865	−4,659	−8,052	−8,975
Cash from investing activity	−50.17	−54.23	−63.25	−6.02	−1,480	177	−1,190	759	686
Cash from financing activity	18,519	17,936	−4,404	−8,359	−6,753	302	4,192	7,424	8,751
Net cash flow	2,754	1,218	4,485	−1,548	−1,954	−1,388	−1,670	104	421
Capex	42.04	59.12	64.09	8.01	14.03	15.03	39.05	49.11	33.04
Free cash flow	−15,726	−16,684	8,874	6,785	6,247	−1,880	−4,705	−8,109	−9,017

PNB Housing Finance ratios

Working-capital days and returns, by year.

PNB Housing Finance Ratios
	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	13.1%	17.1%	8.1%	11.1%	9.1%	10.1%	12.1%	12.1%	13.1%

PNB Housing Finance: frequently asked questions

What are the latest quarterly results of PNB Housing Finance?

For the Sep 2026 quarter, PNB Housing Finance reported revenue of ₹2,429 Cr, up 13.7% year on year and net profit of ₹619 Cr, up 6.1% year on year.

What is the annual revenue of PNB Housing Finance?

PNB Housing Finance's revenue for the year to Mar 2026 were ₹8,523 Cr; over the last twelve months they were ₹9,013 Cr.

What is the net profit of PNB Housing Finance?

Net profit for the year to Mar 2026 was ₹2,295 Cr, and ₹2,355 Cr over the last twelve months. Earnings per share over the same trailing period were ₹90.02.

What is the free cash flow of PNB Housing Finance?

Cash from operations was −₹8,975 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹9,017 Cr.

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