PNB Housing Finance Ltd — earnings calls
2 quarters summarised from transcripts filed with the exchange, every statement cited. Newest first.
PNB Housing Finance reported Q1 FY27 disbursement growth of 18% year-on-year to Rs 5,882 crore following a shift in recognition from cheque handover to cheque realisation basis, while on a comparable cheque handover basis disbursements grew 56% year-on-year. The overall loan book grew 15% year-on-year to Rs 89,670 crore, with the retail portfolio up 16% to Rs 89,178 crore and Affordable and Emerging Markets segments growing 27% year-on-year. Profit after tax grew 4% year-on-year to Rs 557 crore, with gross NPA at 0.95%, spread stable at 2.12%, and NIM moderating 19 bps quarter-on-quarter to 3.50%.
PNB Housing Finance reported FY26 profit after tax of Rs 2,291 crore, up 18% year-on-year, with the retail loan book growing 16% to Rs 86,946 crore and gross NPA improving to 0.93%. Q4 disbursements grew 36% year-on-year to Rs 9,355 crore, with the Affordable segment rebounding 59% sequentially and a corporate loan book of Rs 401 crore restarted during the quarter. Management issued FY27 guidance for loan book to cross Rs 1 lakh crore, retail loan growth of 18-20%, NIM of 3.55-3.65%, and ROA of 2.4-2.5%.