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PNB Housing: tested resistance zone & taking supportPNB Housing: tested resistance zone & taking support. Resistance zone at 1015-1040 & next at 1060/1148. Supports at 967/925. Tomorrows move will decide the direction based on todays results. 📊 PNB Housing Finance Ltd || Q4 FY25 Results ➡️ Revenue from Operations ₹2,021.85 crore (QoQ: +4.1%, YoY: +11.7%) ➡️ Profit Before Tax (PBT) ₹711.21 crore (QoQ: +15.5%, YoY: +27.1%) ➡️ Net Profit (PAT) ₹550.38 crore (QoQ: +13.9%, YoY: +25.3%) ➡️ Earnings Per Share (EPS) ₹21.18 (QoQ: +13.9%, YoY: +25.3%) 🔹 Overall Verdict: Blockbuster ➤ Strong double-digit growth across revenue, PBT, and PAT with operating leverage benefits clearly visible. 🔍 What the Numbers Say 🔹 Revenue Performance ➤ Growth was led by a steady rise in interest income (+12.6% YoY) and a healthy jump in fee & commission income (+1.3% YoY). Fair value gains were lower YoY but not materially impactful. 🔹 Profitability Insights ➤ Strong PBT expansion aided by lower impairments (recoveries and write-backs), with total impairment reversals of ₹64.83 crore this quarter (versus a provision last year). Core spreads and margins appear stable. 🔹 Cost & Efficiency ➤ Finance costs were up YoY (+10.1%) but well absorbed by revenue growth. Operating expenses (employee + others) grew moderately (+13-14% YoY), indicating decent cost control. 🔹 Strategic / Operational Highlights ➤ Final dividend of ₹5 per share announced for FY25. ➤ Significant strengthening of balance sheet (Net Worth: ₹16,863 crore; GNPA reduced to 1.08%, NNPA at 0.69%). ➤ Improved asset quality and reduced stress resolution portfolio under COVID restructuring.
NSE:PNBHOUSINGLong
by Pratik_SmartEye