alphavePNBHOUSING₹1,181.00

PNB Housing Finance Ltd.

Annual Quarterly₹ CrorePeersLICHSGFIN CANFINHOME AAVAS PIRAMALFIN POONAWALLA RBLBANK MANAPPURAM APTUSMcap ₹30,771 Cr

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In ₹ Crore except Per Share 12 Months Ending	Q2 FY24 30/09/2023	Q3 FY24 31/12/2023	Q4 FY24 31/03/2024	Q1 FY25 30/06/2024	Q2 FY25 30/09/2024	Q3 FY25 31/12/2024	Q4 FY25 31/03/2025	Q1 FY26 30/06/2025	Q2 FY26 30/09/2025	Q3 FY26 31/12/2025	Q4 FY26 31/03/2026	Q1 FY27 30/06/2026
Revenue from Operations	1,777.8	1,754.8	1,810.0	1,823.1	1,878.7	1,941.8	2,021.9	2,076.1	2,127.9	2,119.0	2,181.5	2,263.4
Other Income	1.7	1.3	4.0	9.0	1.0	1.4	14.9	5.8	2.7	1.6	-9.6	1.9
Total Income	1,779.4	1,756.0	1,814.0	1,832.1	1,879.7	1,943.1	2,036.8	2,081.9	2,130.6	2,120.7	2,171.9	2,265.4
Expenses
+ Employee Benefit Expense	85.5	80.6	90.6	109.2	108.8	98.3	105.1	118.0	109.2	133.9	125.6	134.7
+ Finance Costs	1,057.3	1,086.6	1,069.7	1,096.9	1,118.5	1,157.9	1,178.1	1,234.4	1,267.0	1,252.8	1,246.1	1,338.6
+ Depreciation & Amortisation	11.3	13.1	14.2	13.4	13.9	14.4	14.3	14.7	16.4	16.2	19.2	16.4
+ Other Expenses	70.9	72.0	71.1	67.4	76.1	89.9	88.4	79.7	91.2	86.5	98.6	83.1
Total Expenses	1,272.3	1,315.7	1,254.2	1,277.9	1,274.9	1,327.5	1,325.6	1,394.0	1,371.0	1,452.2	1,317.3	1,546.9
EBITDA	1,574.1	1,538.7	1,639.7	1,655.4	1,736.1	1,786.6	1,888.6	1,931.2	2,040.3	1,935.8	2,129.5	2,071.5
EBIT	1,562.8	1,525.7	1,625.5	1,642.1	1,722.3	1,772.2	1,874.3	1,916.5	2,023.9	1,919.6	2,110.3	2,055.2
Profit
PBT before Exceptional Items	507.1	440.3	559.8	554.2	604.7	615.7	711.2	687.9	759.6	668.4	854.6	718.4
Pretax Income	507.1	440.3	559.8	554.2	604.7	615.7	711.2	687.9	759.6	668.4	854.6	718.4
+ Current Tax	66.9	114.0	134.2	145.6	124.8	131.1	168.4	132.0	148.4	144.3	156.8	153.6
+ Deferred Tax	57.2	-12.2	-13.6	-24.2	10.3	1.3	-7.6	22.4	29.7	3.8	42.0	7.5
Tax Expense	124.1	101.9	120.6	121.4	135.1	132.4	160.8	154.4	178.1	148.1	198.8	161.1
Net Income	383.0	338.4	439.3	432.8	469.7	483.3	550.4	533.5	581.6	520.4	655.8	557.3
+ Net Income — Continuing Ops	383.0	338.4	439.3	432.8	469.7	483.3	550.4	533.5	581.6	520.4	655.8	557.3
+ Other Comprehensive Income	6.7	-5.4	-2.5	-17.0	-3.9	-6.9	-41.9	86.8	9.4	1.3	49.0	6.9
Total Comprehensive Income	389.7	333.1	436.7	415.8	465.8	476.3	508.5	620.3	591.0	521.7	704.8	564.2
Per Share
Basic EPS	0.00	13.04	16.91	16.66	18.08	18.60	21.18	20.52	22.34	19.97	25.17	21.39
Diluted EPS	0.00	13.00	16.86	16.61	18.02	18.53	21.10	20.45	22.29	19.93	25.11	21.33
Revenue Detail — as filed
+ Fees & Commission Income	59.8	73.5	108.1	75.2	91.6	88.1	109.5	81.7	96.2	94.6	122.0	121.8
+ Net Gain on Fair Value Changes	15.1	1.7	9.0	8.8	6.8	5.2	6.5	14.1	14.2	5.1	5.5	3.2
Expense Detail — as filed
+ Fees & Commission Expense	2.5	4.4	2.0	3.0	3.2	3.1	4.5	3.4	0.4	3.4	4.1	3.3
+ Impairment on Financial Instruments	44.8	59.1	6.6	-12.0	-45.6	-36.1	-64.8	-56.2	-113.2	-40.5	-176.2	-29.1
Other Comprehensive Income — detail
+ Other Comprehensive Income	6.7	-5.4	-2.5	-17.0	-3.9	-6.9	-41.9	86.8	9.4	1.3	49.0	6.9
+ Items NOT to be Reclassified to P&L	0.5	0.2	-0.2	-1.2	0.1	0.2	0.3	-1.0	0.2	0.2	1.8	-0.9
+ Tax on Items NOT to be Reclassified	—	—	—	—	—	—	0.0	0.0	0.1	0.1	0.5	-0.2
+ Tax on Items NOT to be Reclassified — alt tag	0.1	0.1	0.0	-0.3	0.0	0.1	—	—	—	—	—	—
+ Items to be Reclassified to P&L	8.4	-7.4	-2.4	-21.6	-5.2	-9.5	-42.2	87.8	12.3	1.5	63.7	10.1
+ Tax on Items to be Reclassified	—	—	—	—	—	—	0.0	0.0	3.1	0.4	16.0	2.5
+ Tax on Items to be Reclassified — alt tag	2.1	-1.9	0.0	-5.4	-1.3	-2.4	—	—	—	—	—	—
Per Share — as-filed variants
Basic EPS — Continuing Operations	0.00	13.04	16.91	16.66	18.08	18.60	21.18	20.52	22.34	19.97	25.17	21.39
Diluted EPS — Continuing Operations	0.00	13.00	16.86	16.61	18.02	18.53	21.10	20.45	22.29	19.93	25.11	21.33
Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories)
Gross Profit	1,777.8	1,754.8	1,810.0	1,823.1	1,878.7	1,941.8	2,021.9	2,076.1	2,127.9	2,119.0	2,181.5	2,263.4
Gross Margin %	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
Adjusted (ex-Exceptional Items) — derived
Pretax Income (Adjusted, as filed)	507.1	440.3	559.8	554.2	604.7	615.7	711.2	687.9	759.6	668.4	854.6	718.4
Net Income Adj (tax-effected)	383.0	338.4	439.3	432.8	469.7	483.3	550.4	533.5	581.6	520.4	655.8	557.3
EPS Adj	0.00	13.04	16.91	16.66	18.08	18.60	21.18	20.52	22.34	19.97	25.17	21.39
Other Filed Concepts — mapped but not yet placed in the schedule
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00
Filed Debt Equity	0.04	0.00	0.04	0.00	0.00	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Interest Earned	1,702.9	1,679.5	1,692.9	1,739.1	1,780.3	1,848.4	1,905.9	1,980.4	2,017.5	2,019.4	2,054.0	2,138.4
Paid Up Equity Capital	259.6	259.7	259.7	259.7	259.8	259.9	259.9	260.1	260.5	260.5	260.6	260.6

As filed, sign as filed — read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown, so depth follows the filer: pre-Ind-AS, insurance and NBFC blocks stay hidden unless they were actually reported. Alternate tags for the same idea (e.g. two spellings of a deferred-tax element) are kept as separate lines rather than merged, because merging them would be a guess. Ratios, per-share figures and counts render as raw numbers, not ₹ Crore. No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.