Synopsis:
PNB Housing Finance is in the spotlight after MD & CEO Girish Kousgi resigned, effective October 28, 2025. The company also posted a 13.8% YoY rise in revenue and 23% YoY profit growth in Q1FY26.
The shares of a small-cap company, specializing in providing various housing finance solutions, primarily focusing on individual housing loans and loans against property, declined by up to 16 percent following the resignation of the Managing Director & CEO and a decline in profit of 3 percent QoQ.
With a market capitalization of Rs. 21,807.03 crores on Friday, the shares of PNB Housing Finance Ltd declined by upto 16.4 percent, making a low of Rs. 823.95 per share compared to its previous closing price of Rs. 986.20 per share.
PNB Housing Finance Ltd, engaged in providing various housing finance solutions, primarily focusing on individual housing loans and loans against property, is in focus in today’s trading session following the resignation and its results.
In today’s press release, the company announced the resignation of Managing Director & CEO Girish Kousgi, effective October 28, 2025. The board accepted his resignation on July 31, 2025, marking the end of his nearly three-year tenure during which he spearheaded the company’s strategic pivot toward affordable and emerging housing segments, delivered strong retail loan growth, and improved asset quality.
Along with it, the company has also announced its Q1 results as follows: Its Revenue from operations rose by 13.8 percent YoY from Rs. 1,823 Crores in Q1FY25 to Rs. 2,076 Crores in Q1FY26, and it rose by 2.7 percent QoQ from Rs. 2,021 Crores in Q4FY25 to Rs. 2,076 Crores in Q1FY26.
Its Net Profit YoY rose by 23 percent from Rs. 433 Crores in Q1FY25 to Rs. 533 Crores in Q1FY26, and it declined by 3 percent QoQ from a profit of Rs. 550 Crores in Q4FY25 to Rs. 533 Crores in Q1FY26. The earnings per share (EPS) for the quarter stood at Rs. 20.44, compared to Rs. 21.82 in the previous quarter.
PNB Housing Finance has a P/E ratio of 12.6, which is lower than the industry average of 17.24, and a PEG ratio of 0.46, indicating the stock may be undervalued. The company has shown strong performance with an average 3-year net profit growth of 22.78%, and maintains asset quality with Net NPA below 2%.
Company Overview & Others
PNB Housing Finance Limited (PNB Housing) is an Indian housing finance company promoted by Punjab National Bank (PNB). Incorporated in 1988, it’s registered with the National Housing Bank (NHB) and provides a range of housing and non-housing loan products.
Its offerings include loans for the purchase, construction, repair, and upgrade of homes, loans against property, commercial property loans, and fixed deposit products. PNB Housing is listed on the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE).
Written by Sridhar J
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