PNB Housing Finance Q2 FY27 Results & Earnings Intelligence
PNBHOUSINGStructural risk assessment following Q2-FY27 | 30 Sep 26 earnings.
₹2,423.9 Cr
+13.8% YoY•+7.0% QoQ
₹796.6 Cr
+4.9% YoY•+10.9% QoQ
₹616.5 Cr
+6.0% YoY•+10.6% QoQ
0/ 100
−5 pts QoQ
The Quarter at a Glance
Consolidated Financials| Metric | Q2-FY27 | 30 Sep 26 | Q2-FY26 | 30 Sep 25 | YoY Δ | Q1-FY27 | 30 Jun 26 | QoQ Δ |
|---|---|---|---|---|---|
| Total Revenue / Income | ₹2,423.9 Cr | ₹2,130.6 Cr | +13.8% | ₹2,265.4 Cr | +7.0% |
| Total Loan Book / Advances | ₹94,124.5 Cr | ₹78,817.6 Cr | +19.4% | N/A | N/A |
| Profit Before Tax (PBT) | ₹796.6 Cr | ₹759.6 Cr | +4.9% | ₹718.4 Cr | +10.9% |
| Net Profit (PAT) | ₹616.5 Cr | ₹581.6 Cr | +6.0% | ₹557.3 Cr | +10.6% |
| Basic EPS (₹/share) | ₹23.65 | N/A | N/A | ₹21.39 | +10.6% |
| Diluted EPS (₹/share) | ₹23.59 | N/A | N/A | ₹21.33 | +10.6% |
Sources:Official BSE/NSE Disclosures & Financial Filings
Sentinel Executive Summary
Core Earnings Synthesis"PNB Housing Finance Limited currently sits within Flagium's Stable category. However, recent periods have remained stable with minor operational friction. Steady top-line performance and clean accounting records help keep structural risk contained. Current deterioration appears cyclical rather than existential."
PNB Housing Finance Limited posted steady top-line growth and bottom-line stability, demonstrating resilient execution in its core markets. While the underlying business remains fundamentally sound, the presence of 0 active risk warnings highlights minor operational or working capital inefficiencies to keep on the watch list.
🟢 Key Operational & Structural Positives
- ✓Revenue Growth: Quarterly revenue moved +13.8% YoY and +7.0% QoQ, reflecting demand and volume trends.
- ✓Net Profit Expansion: Profit after tax moved +6.0% YoY and +10.6% QoQ, settling at ₹616.5 Cr.
- ✓Core Operating Revenue Growth: Revenue from operations (core business, ex-other income) moved +7.1% QoQ, reaching ₹2,423.2 Cr.
⚠️ Key Areas of Watch & Margin Pressures
- ⚠Operating margin pressure: Margin moved -279 bps YoY to 32.9%, monitor overhead and operational cost absorption.
- ⚠Funding & liquidity dynamics: Track loan-to-deposit ratio and deposit mobilization pace against credit demand.
- ⚠NIM & funding costs: Monitor cost of funds repricing and net interest margin progression.
Total Revenue / Income expanded across both horizons (+13.8% YoY and +7.0% QoQ vs Q1-FY27), demonstrating synchronized top-line execution.
Flagium Risk Signals
Automated Forensic SignalsStabilization in key metrics
Financial reports demonstrate robust disclosure levels with no forensic or accrual warnings.
Leadership team stability remains intact with no auditor qualifications or key departures.
🎙️ PNB Housing Finance (PNBHOUSING) Q2 FY27 Concall Intelligence
Management Commentary, Concall Takeaways & Key Discussion Themes
No earnings call transcript was available
for this reporting period.
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