PNBHOUSING PNB Housing Q3 FY26 results (Oct–Dec 2025) and concall
PNB Housing Finance reported a robust Q3 FY26 with strong retail loan book growth of 16% YoY, driven by significant expansion in Affordable and Emerging Market segments. Asset quality improved with GNPA at 1.04%, and cost of borrowing declined. However, the affordable segment faced disbursement challenges due to strategic recalibration, and yields saw a decline partly due to a corporate account foreclosure. The company plans to launch Construction Finance and Emerging Developer Finance to improve yields and NIMs.
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What they filed
Q3 FY26: revenue up 9.7%, net profit up 10.6% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|---|
| Revenue | 1,868 | 1,923 | 2,030 | 2,064 | 2,168 +16% | 2,110 +10% |
| Net profit | 472 | 471 | 567 | 532 | 626 +33% | 521 +11% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
