PNB Housing Finance Shares Dip Despite Strong Q4 Performance with 25% Jump in Consolidated Net Profit

MUMBAI, April 30, 2025 PNB Housing Finance shares slipped nearly 1% in Tuesday’s trading session despite the company reporting a 25.3% year-on-year increase in consolidated net profit for Q4 FY25. The stock was last seen trading at ₹1,021, down ₹9.65 or 0.94%, from its previous close of ₹1,030.65 on the Bombay Stock Exchange (BSE).

Q4 FY25 Earnings: Robust Growth in Profit and Revenue

PNB Housing Finance posted a consolidated net profit of ₹550.38 crore for the quarter ended March 31, 2025, up from ₹439.25 crore in Q4 FY24. Total consolidated income rose by 12.28% to ₹2,036.78 crore during the same period, compared to ₹1,813.97 crore in the previous year.

On a standalone basis, net profit surged 27.79% to ₹567.11 crore from ₹443.80 crore, while total income grew 13.26% to ₹2,045.26 crore from ₹1,805.74 crore.

Full-Year Performance: Steady Expansion

For the financial year ended March 31, 2025, the company reported a 28.39% rise in consolidated net profit, reaching ₹1,936.14 crore, up from ₹1,508.01 crore in FY24. The total consolidated income stood at ₹7,691.63 crore, marking a 8.99% increase from ₹7,057.09 crore in the previous fiscal.

Standalone figures also reflected strong growth, with net profit rising 27.60% year-on-year to ₹1,948.95 crore, and total income increasing by 9.07% to ₹7,661.22 crore.

Market Reaction and Shareholding Pattern

Despite these strong earnings, the market responded cautiously, with the stock witnessing mild profit-booking. Intraday, the stock touched a high of ₹1,033.60 and a low of ₹1,011.00. The scrip has traded between ₹962.15 and ₹1,085.40 over the past week.

PNB Housing Finance currently holds a market capitalisation of ₹26,531.85 crore. The promoter stake stands at 28.10%, while institutional investors hold 51.31%, and non-institutional investors account for 20.58%.

Outlook

With consistent growth in income and profitability, PNB Housing Finance continues to strengthen its financial performance. However, market volatility and investor sentiment around broader economic indicators may influence short-term share movements. Analysts will closely watch future earnings and commentary around asset quality, demand in the housing sector, and the company’s strategy for sustaining momentum.