About the Company:
PNB Housing Finance Limited is a leading housing finance company in India, primarily offering housing loans, non-residential property loans, and construction finance. Founded in 1988 and headquartered in New Delhi, PNB Housing is promoted by Punjab National Bank (PNB) and maintains a significant market presence, serving individuals and corporate bodies across India.
Website: www.pnbhousing.com
CIN: L65922DL1988PLC033856
📄 Details:
PNB Housing Finance Limited has announced its audited financial results for the fourth quarter and full financial year ending March 31, 2025. The company’s Board, in its meeting held on April 28, 2025, approved both standalone and consolidated results and recommended a final dividend of ₹5 per equity share. Notably, the company delivered a consolidated net profit after tax of ₹1,936.14 crores for FY25, registering a significant growth compared to ₹1,508.01 crores in FY24. Revenue from operations rose to ₹7,665.35 crores compared to ₹7,050.08 crores in the previous year, driven by growth in interest income and fee-based income. The company also announced that the Trading Window for insiders will open from April 30, 2025. The auditors, M/s CNK & Associates LLP and M/s M. M. Nissim & Co LLP, issued an unmodified opinion on the results, reflecting strong financial governance.
Furthermore, PNB Housing has maintained a stable Debt Equity Ratio at 3.70x, with Net Non-Performing Assets (NNPA) improving to 0.69%, reflecting better asset quality management. Other disclosures, including security cover certificates, related party transactions, and utilization of raised funds, were also duly submitted in compliance with SEBI Listing Regulations.
📌 Highlights:
🔹 Audited Results Approved: Board approved standalone and consolidated financial results for FY25.
🔹 Dividend Declared: Recommended a final dividend of ₹5/- per share (face value ₹10).
🔹 Profit Growth: Net profit after tax grew to ₹1,936.14 crores from ₹1,508.01 crores YoY.
🔹 Revenue Boost: Total consolidated revenue rose to ₹7,691.63 crores.
🔹 Debt Equity Ratio: Maintained at 3.70x ensuring financial stability.
🔹 NNPA Improvement: Net Non-Performing Asset ratio improved to 0.69%.
🔹 Regulatory Compliances: Submitted declarations for related party transactions, fund utilization, security cover certificates.
🔹 Trading Window Reopened: Effective April 30, 2025, for designated persons.
🔹 Auditors’ Clean Report: No modifications in auditors’ opinion indicating robust financial reporting.
📈 Effect on the Share Market:
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Positive sentiment likely due to strong profit growth and dividend declaration.
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Improved asset quality (lower NPAs) can attract institutional investors.
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Expectation of a short-term bullish movement in PNB Housing’s stock prices.
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Dividend attractiveness may appeal to dividend-seeking retail investors.
👥 How It Helps Retail Traders:
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Opportunity to earn dividend income.
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Confidence booster in the stock’s fundamentals due to unmodified audit reports.
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Potential capital appreciation due to strong financial performance.
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Signals financial stability, making it a safer pick compared to peers.
💬 Phrase:
“Are you ready to ride the wave of financial growth with PNB Housing? 📈 Let’s discuss — Will you hold, buy more, or book profits?”
📉 Stock Market Disclaimer
Disclaimer: This post is for informational and educational purposes only and does not constitute financial advice or a recommendation to buy/sell any stock or share. Investing in the stock market involves risk. Past performance is not indicative of future results. Always conduct your own research or consult a licensed financial advisor before making investment decisions.
