PNB Housing Finance Reports Q2: Revenue Up by 5.68% Year-on-Year

The comprehensive analytics outlining the performance and outlook of PNB Housing Finance Limited‘s stock. This analysis encompasses various metrics including stock performance, investor sentiment, market trends, future outlook, risk factors, investment opportunities, long-term strategy, dividend policy, analyst insights, and the overall risk-reward profile. These insights aim to provide investors with a holistic understanding of the company”s stock, enabling informed decision-making and strategic investment planning.

Today, we’re looking at PNB Housing Finance Limited’s financial performance for the Q2(Sep 2024-25).Starting with the top line, the company reported a robust year-over-year sales growth of 5.68 %. However, it did see a marginal increase of 3.05 % from the previous quarter. Expenses decreased slightly by -14.94 % quarter-on-quarter, aligning with the annual decline of -29.99 %. Operating profit, while up 10.29 % compared to last year, faced a quarter-on-quarter increase of 4.87 %, signaling a short-term expansion in margins.
The Operating Profit Margin (OPM) % echoes this narrative, showing resilience on an annual basis with an increase of 3.87 %, but an expansion of 1.6 % sequentially. Other income fell by -89.14 % compared to the last quarter, despite an annual decline of -40.61 %. Interest expenses surged remarkably by 1.97 % from the previous quarter, yet the year-over-year increase remains at a moderate 5.79 %. Depreciation costs climbed by 3.75 % quarter-on-quarter, whereas on an annual scale, they saw an increase of 22.24 %. Profit before tax grew annually by 19.25 % but saw an increase from the preceding quarter by 9.12 %.
Tax expenses as a percentage of profits decreased slightly by -2.14 % compared to last year, with a more notable quarter-on-quarter increase of 0.43 %. Net profit rose by 22.63 % year-on-year but experienced a 8.52 % expansion from the last quarter. but a quarterly rise of 8.49 %. In summary, PNB Housing Finance Limited’s annual performance indicates steady growth, although the quarter-on-quarter figures suggest some areas may require strategic attention.

In reviewing PNB Housing Finance Limited’s 2024-25(Q2) financial snapshot, key trends emerge, shedding light on the company’s performance.Sales saw a robust 5.68 % year-on-year growth, however, there was a minor increase of 3.05 % from the previous quarter. Expenses decreased by -29.99 % compared to the previous year, with a decrease of -14.94 % quarter-on-quarter. Operating Profit surged by 10.29 % annually, and saw a 4.87 % increase from the last quarter.
Net Profit showed yearly increase of 22.63 %, and experienced a 8.52 % increase from the previous quarter. however rose by 8.49 % compared to the last quarter. In essence, while PNB Housing Finance Limited exhibits strong annual growth indicators, short-term improvements suggest the potential for recovery and the importance of strategic adjustments to counter market challenges effectively. That’s all for now in the financial sector.