PNBHOUSING PNB Housing Q4 FY26 results (Jan–Mar 2026) and concall
PNB Housing Finance reported a strong Q4 FY26, with retail loan book growing 16% YoY to INR 86,946 crores and disbursements increasing 36% YoY to INR 9,355 crores. Asset quality significantly improved with GNPA falling below 1% to 0.93%. Profitability remained robust, with PAT growing 18% YoY to INR 2,291 crores, and ROA/ROE at 2.66% and 12.73% respectively. However, spreads compressed by 10 bps QoQ due to lower incremental yields and balance transfer pressure, though management expects yields to improve from Q1 FY27.
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What they filed
Q4 FY26: revenue up 6.9%, net profit up 14.5% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|---|---|---|---|
| Revenue | 1,868 | 1,923 | 2,030 | 2,064 | 2,168 +16% | 2,110 +10% | 2,170 +7% |
| Net profit | 472 | 471 | 567 | 532 | 626 +33% | 521 +11% | 649 +14% |
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.
