Shares of PNB Housing Finance Limited were trading nearly 2% lower in intraday trade on April 20 ahead of the company’s Q4 FY26 earnings announcement, with investors remaining cautious ahead of key financial disclosures.
The company is scheduled to announce its financial results for the quarter and year ended March 31, 2026, later today. The board will also consider approval of dividend along with the results, adding to investor focus on capital return and profitability trends.
Following the earnings announcement, the company will host an earnings call on April 21 at 8:00 AM to discuss performance and outlook.
For context, the company had reported a steady operational performance in Q3 FY26, with its total loan book standing at ₹82,203 crore, reflecting a 14% year-on-year growth, led by a 16% growth in the retail segment. Profit after tax for the quarter stood at ₹520 crore, marking a 7.7% increase, supported by improved borrowing costs.
Asset quality remained stable, with gross non-performing assets (GNPA) at 1.04%, while net interest margin (NIM) stood at 3.63%. Retail disbursements came in at ₹6,217 crore, up 16% year-on-year, while the emerging markets segment recorded a strong 25% growth.
The company has been strategically shifting its portfolio towards higher-yield segments such as affordable and emerging markets, which currently contribute around 39% of the mix, with a targeted increase to 50%. It has also outlined plans to expand into new corporate credit verticals and continue its geographic expansion with 40–50 branches annually, focusing on Tier 2, 3 and 4 cities.