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PNB Finance & Industries Sees Sharp Profit Decline in Q3 FY25

Written by: Diksha Kalra

Published: Sep 16, 2026

Updated: Sep 16, 2026

3 min read

Financial Performance (Q3 FY25 vs Q3 FY24) - PNB Finance & Industries reported a sharp decline in total revenue, which stood at ₹0.45 Cr in Q3 FY25, down 77.5% YoY from ₹2 Cr in Q3 FY24. This decline was mainly due to lower other income, as operational revenue remained minimal. Profit Before Tax (PBT) fell 91.0% YoY to ₹0.19 Cr, compared to ₹2.1 Cr in Q3 FY24, impacted by reduced dividend and interest income alongside higher employee benefit expenses. As a result, Profit After Tax (PAT) dropped 91.2% YoY to ₹0.15 Cr, down from ₹1.7 Cr in Q3 FY24. Earnings Per Share (EPS) (Basic & Diluted) declined significantly to ₹0.46 in Q3 FY25, compared to ₹5.40 in Q3 FY24, reflecting a 91.5% YoY drop.
Nine-Months Performance (9M FY25 vs 9M FY24) - For the nine-month period ended December 31, 2024, PNB Finance & Industries reported total revenue of ₹10 Cr, marking a 7.6% YoY increase from ₹9 Cr in 9M FY24. The growth was primarily driven by other income, as core business operations remained subdued. PBT for 9M FY25 stood at ₹9 Cr, reflecting a 34.4% YoY increase from ₹7 Cr in 9M FY24, primarily due to controlled expenses. PAT also saw a 30.3% YoY rise, reaching ₹7 Cr, compared to ₹6 Cr in 9M FY24. EPS (Basic & Diluted) for 9M FY25 was ₹22.89, up 30.2% YoY from ₹17.57 in 9M FY24.
Operational Metrics & Key Ratios (Q3 FY25 vs Q3 FY24) - Net Profit Margin declined to 33.3% in Q3 FY25, down from 85.0% in Q3 FY24, reflecting reduced cost efficiency and lower revenue levels. Total Expenses stood at ₹0.27 Cr in Q3 FY25, registering a 4.8% YoY decrease from ₹0.35 Cr in Q3 FY24.
Growth Outlook - PNB Finance & Industries witnessed a significant revenue decline in Q3 FY25, mainly due to lower other income, which negatively impacted profitability. The company also faced margin contraction, with cost inefficiencies contributing to the weaker financial performance. Given the lack of core revenue generation, sustaining profitability will depend on effective cost management and any potential improvement in business operations.

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