PNB Housing Finance Share Price Jump 10% After 27% Rise in Q4 FY25 Profit and Better Asset Quality

PNB Housing Finance share price surged up to 10% on Tuesday, following the announcement of strong Q4 FY25 results. At 9:35 am, the stock was trading at ₹1,084.45 on the NSE, opening with a 7.48% gain and continuing its upward trend from the previous session. Over the last month, the stock has risen by over 20.3%.

The company also declared a final dividend of ₹5 per share for the financial year 2024–25.

Strong Growth in Profit and Income

In Q4 FY25, PNB Housing Finance reported a 28% year-on-year increase in net profit, reaching ₹567.1 crore. Net interest income rose by 19.2% compared to the same quarter last year. A key factor behind the profit growth was a provision write-back of ₹64.85 crore, whereas the same quarter last year had a provision expense of ₹6.63 crore. In the previous quarter, the company had a write-back of ₹36.13 crore.

Other income also increased by 10% YoY, further boosting the company’s earnings.

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Improved Asset Quality

The company’s asset quality showed improvement. Gross Non-Performing Assets (NPA) dropped to 1.08% from 1.19% in the previous quarter. Net NPA also declined to 0.69% from 0.8%.

Assets Under Management Cross ₹80,000 Crore

PNB Housing’s Assets Under Management (AUM) crossed ₹80,000 crore, showing a 13% rise from the previous year and a 4.5% increase compared to the previous quarter. Retail loan assets rose by 18.2% YoY to ₹74,802 crore as of March 31, 2025, driven by strong growth in affordable housing and emerging markets. The affordable loan segment alone crossed ₹5,000 crore during the year.

Managing Director and CEO Girish Kousgi said, “With strong focus on collections and consistent performance, gross NPA reduced from 1.50% last year to 1.08% in March 2025. Supported by strong financial performance, our Return on Assets (ROA) rose by 35 basis points to 2.55% for FY25.”

About PNB Housing Finance Limited

PNB Housing Finance Limited is an Indian housing finance company registered with the National Housing Bank. Established under the Companies Act, 1956, the company began operations on November 11, 1988. It is promoted by Punjab National Bank.

As of April 29, 2025, PNB Housing Finance share price is trading at ₹1,030.00, with a market capitalisation of ₹26,760 crore and a P/E ratio of 14.71. The stock has a 52-week high of ₹1,202.20 and a 52-week low of ₹616.60.

Conclusion

PNB Housing Finance’s robust financial performance, improved asset quality, and strong AUM growth signal steady momentum, reinforcing investor confidence in its long-term outlook.

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