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PNB Housing Finance Ltd

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PNB Housing Finance Q2 Results 2026 (FY27) investor presentation: Revenue & Margins

Q2 FY27 investor presentation: what the company reported on revenue, margins and capex.

Price₹1,080
Market cap₹28.2K Cr
P/E12.0
Updated28 Oct 2026
Read4 min read

PNB Housing Finance Ltd Q2 FY27 key numbers

Revenue
Total Income for Q2 FY27: INR 2,293 crore, up 13% YoY.

As stated in PNB Housing Finance Ltd's Q2 FY27 investor presentation · published 28 Oct 2026. Reported figures, not investment advice.

Based on PNB Housing Finance Ltd's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.

The short version

Total Income for Q2 FY27: INR 2,293 crore, up 13% YoY (Page 33) - Retail disbursements for Q2 FY27: INR 9,250 crore, up 54% YoY (Page 13) - Overall loan book as of Sep 30, 2026: INR 95,079 crore, up 19% YoY (Page 6, 4) - Disbursements scaled up 60% YoY to INR 9,609 crore in Q2 FY27 (Page 4) - Corporate loan book increased 107% YoY to INR 689 crore as of Sep 30, 2026 (Page 4) EBITDA (approximated by PPOP as depreciation/amortisation is low): Q2 FY27 PPOP = INR 749 crore, up 16% YoY from INR 646 crore in Q2 FY26 (Page 33). - Operating Expenses: INR 260 crore in Q2 FY27, up 20% YoY (Page 33).

From PNB Housing Finance Ltd's Q2 FY27 earnings-call transcript · updated 28 Oct 2026.

Revenue & Sales Performance

  • Total Income for Q2 FY27: INR 2,293 crore, up 13% YoY (Page 33)
  • Retail disbursements for Q2 FY27: INR 9,250 crore, up 54% YoY (Page 13)
  • Overall loan book as of Sep 30, 2026: INR 95,079 crore, up 19% YoY (Page 6, 4)

2 more points from PNB Housing Finance Ltd's call on revenue

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Profitability & Margins

- EBITDA (approximated by PPOP as depreciation/amortisation is low): Q2 FY27 PPOP = INR 749 crore, up 16% YoY from INR 646 crore in Q2 FY26 (Page 33). - Operating Expenses: INR 260 crore in Q2 FY27, up 20% YoY (Page 33). Net Total Income (Revenues) = INR 1,009 crore, PPOP INR 749 crore → Operating margin ~74% approx. - Profit After Tax (PAT): Q2 FY27 PAT = INR 617 crore, up 6% YoY from INR 582 crore in Q2 FY26 (Page 33). - Margin Outlook: The focus is on sustainable profitability through NIM optimization, cost efficiency, and superior asset quality (Page 9). Only strategic focus areas are mentioned.

Capital Expenditure Plans

There is mention of AI-driven projects and digital initiatives (e.g., Intelligent Document Processing, AI Calling) with start and go-live dates around 2026, but these are technology deployments rather than traditional capex or plant expansions.

Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked
1Mufin Green
Rev 1Mar 1
2Akiko
Rev 1Mar 1
3
Rev 1Mar 2
4
Rev 1Mar 3
5
Rev 1Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what PNB Housing Finance Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The investor presentation mentions the following regarding order book, inflow, or pending orders: - Total sanctions in Q2 FY27 were INR 13,316 crore, registering a growth of 48% over Q2 FY26 (Page 24). - Disbursements scaled up 60% YoY to INR 9,609 crore in Q2 FY27 vs INR 5,995 crore in Q2 FY26 (Page 4).

2 more points from PNB Housing Finance Ltd's call on order book

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What PNB Housing Finance Ltd's management said in earlier quarters

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Frequently Asked Questions

What were PNB Housing Finance Ltd Q2 FY27 results?

Total Income for Q2 FY27: INR 2,293 crore, up 13% YoY (Page 33) - Retail disbursements for Q2 FY27: INR 9,250 crore, up 54% YoY (Page 13) - Overall loan book as of Sep 30, 2026: INR 95,079 crore, up 19% YoY (Page 6, 4) - Disbursements scaled up 60% YoY to INR 9,609 crore in Q2 FY27 (Page 4) - Corporate loan book increased 107% YoY to INR 689 crore as of Sep 30, 2026 (Page 4) EBITDA (approximated by PPOP as depreciation/amortisation is low): Q2 FY27 PPOP = INR 749 crore, up 16% YoY from INR 646 crore in Q2 FY26 (Page 33). - Operating Expenses: INR 260 crore in Q2 FY27, up 20% YoY (Page 33).

What is PNB Housing Finance Ltd share price analysis?

PNB Housing Finance Ltd currently shows a neutral. The stock trades at a P/E of 12.0 with a market cap of ₹28,160 Cr. Investors should review the full earnings analysis for detailed insights.

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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.