PNB Housing Finance Shares Surge 10% Post Strong Q4 Results

Market Performance

PNB Housing Finance shares jumped by 10% during Tuesday's early trade following the announcement of strong Q4 FY25 results.

• The stock opened with a 7.48% gain and continued its upward trajectory.
• As of 9:35 AM, shares were trading at ₹1,084.45 on the NSE.
• Over the past month, the stock has witnessed a rally of more than 20.3%.

This sharp movement reflects rising investor interest backed by robust financial performance and improving fundamentals.

Q4 Financial Highlights

PNB Housing Finance posted an impressive set of numbers for the quarter that ended in March 2025. Here's a quick breakdown:

Revenue

• Net interest income saw a 19.2% YoY growth, reflecting healthy core business operations.

Net Profit

• Net profit rose by 28% YoY to ₹567.1 crore.
• This was bolstered by a provision write-back of ₹64.85 crore, compared to a provision expense of ₹6.63 crore in Q4 FY24.

Other Income

• Registered a 10% YoY increase, further strengthening overall profitability.

Dividend Announcement

• The company announced a final dividend of ₹5 per share for FY24–25.

Asset Quality & Growth Metrics

PNB Housing Finance showed marked improvement in its asset quality and overall portfolio:

• Gross NPA improved to 1.08%, down from 1.19% in the previous quarter.
• Net NPA dropped to 0.69%, compared to 0.8% earlier.

Assets Under Management (AUM)

• Surpassed ₹80,000 crore, a 13% YoY growth and 4.5% sequential increase.

Retail Loan Segment

• Retail loan assets reached ₹74,802 crore by March 31, 2025 — an 18.2% YoY increase.
• The affordable housing segment crossed a milestone of ₹5,000 crore in loan assets.

Company Overview

PNB Housing Finance continues strengthening its retail-focused portfolio with strategic growth in emerging and affordable markets. Improved collections and risk management have contributed to better asset quality.

• Focus on collections across all buckets has led to improved credit discipline.
• Return on Assets (ROA) saw a significant rise of 35 basis points, reaching 2.55% for FY25.

Summary

The rally in PNB Housing Finance shares is directly tied to the company's stellar performance in Q4 FY25. With strong profit growth, cleaner asset books, and consistent portfolio expansion, the financials suggest sustainable momentum. The final dividend announcement adds another positive note for investors tracking this stock.