PNB Housing Fin Financials
NSE: PNBHOUSING | BSE: 540173
₹1,142.00
₹-25.10
(-2.15%)
As on 09-Sep-2026IST
Market cap
₹29,807 Cr
Revenue (TTM)
₹8,692 Cr
P/E Ratio
12.9
P/B Ratio
1.5
Div. Yield
0.7 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Operating Income
|
8,691.85
|
8,504.52
|
7,665.35
|
7,050.08
|
6,527.33
|
6,195.93
|
|
|
|
|
|
|
Other Income
|
-3.32
|
397.16
|
349.89
|
190.28
|
1,128.43
|
5.31
|
|
|
|
|
|
|
Total Income
|
8,688.53
|
8,901.68
|
8,015.24
|
7,240.36
|
7,655.76
|
6,201.24
|
|
|
|
|
|
|
Interest Expense
|
5,104.50
|
5,011.16
|
4,551.76
|
4,263.05
|
3,899.96
|
4,064.86
|
|
|
|
|
|
|
Operating Expenses
|
514.76
|
853.43
|
921.82
|
972.22
|
2,343.45
|
999.03
|
|
|
|
|
|
|
Exceptional Income/Expenses
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Profit before Tax
|
3,001.13
|
2,970.61
|
2,485.77
|
1,953.90
|
1,360.91
|
1,083.96
|
|
|
|
|
|
|
Taxes
|
686.05
|
679.37
|
549.63
|
445.89
|
314.91
|
247.48
|
|
|
|
|
|
|
Profit after Tax
|
2,315.08
|
2,291.24
|
1,936.14
|
1,508.01
|
1,046.00
|
836.48
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
2,315.08
|
2,291.24
|
1,936.14
|
1,508.01
|
1,046.00
|
836.48
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
19,219.13
|
19,219.13
|
16,863.13
|
14,974.44
|
11,013.86
|
9,871.63
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Non-Current Liabilities
|
209.12
|
48,332.51
|
40,706.02
|
33,228.72
|
47,109.52
|
45,576.54
|
|
|
|
|
|
|
Current Liabilities
|
74,083.82
|
26,519.39
|
25,532.62
|
24,591.61
|
8,701.40
|
10,242.37
|
|
|
|
|
|
|
Total Liabilities
|
93,512.07
|
94,095.02
|
83,272.93
|
72,922.46
|
66,970.45
|
66,089.44
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Non-Current Assets
|
146.16
|
89,897.19
|
78,363.72
|
67,933.94
|
60,335.51
|
57,748.62
|
|
|
|
|
|
|
Current Assets
|
93,157.56
|
4,173.84
|
4,738.05
|
4,860.83
|
6,489.27
|
7,833.09
|
|
|
|
|
|
|
Total Assets
|
93,512.07
|
94,095.02
|
83,272.93
|
72,922.46
|
66,970.45
|
66,089.44
|
|
|
|
|
|
|
Contingent Liabilities
|
--
|
236.00
|
107.00
|
110.94
|
87.76
|
21.28
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
-8,983.55
|
-8,057.33
|
-4,661.51
|
-1,865.03
|
6,254.26
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
684.33
|
757.10
|
-1,186.08
|
175.78
|
-1,474.99
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
8,719.78
|
7,403.86
|
4,178.63
|
301.47
|
-6,732.22
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
420.56
|
103.63
|
-1,668.96
|
-1,387.78
|
-1,952.95
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
88.86
|
87.94
|
74.49
|
58.06
|
51.29
|
41.08
|
|
|
|
|
|
|
Cash EPS (₹)
|
88.77
|
90.49
|
76.64
|
60.03
|
53.81
|
43.70
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
756.30
|
735.64
|
646.80
|
574.77
|
537.56
|
482.04
|
|
|
|
|
|
|
Dividend per Share (₹)
|
0.70
|
8.00
|
5.00
|
--
|
--
|
--
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
-344.79
|
-309.98
|
-179.48
|
-110.45
|
370.95
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-337.92
|
-335.22
|
-204.61
|
-146.67
|
342.59
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
ROCE (%)
|
--
|
9.41
|
9.44
|
9.24
|
8.25
|
7.85
|
|
|
|
|
|
|
ROE (%)
|
12.45
|
12.74
|
12.20
|
11.65
|
10.07
|
8.96
|
|
|
|
|
|
|
ROA (%)
|
2.63
|
2.59
|
2.48
|
2.16
|
1.58
|
1.22
|
|
|
|
|
|
|
EBIT Margin (%)
|
93.29
|
89.18
|
87.25
|
85.48
|
63.31
|
88.35
|
|
|
|
|
|
|
Net Margin (%)
|
26.65
|
25.74
|
24.16
|
20.83
|
13.66
|
14.35
|
|
|
|
|
|
|
Cash Profit Margin (%)
|
--
|
27.72
|
25.99
|
22.12
|
16.81
|
14.36
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
9.77
|
10.95
|
8.73
|
8.01
|
5.35
|
-18.52
|
|
|
|
|
|
|
EBIT Growth (%)
|
11.31
|
13.41
|
10.97
|
45.84
|
-19.66
|
-18.20
|
|
|
|
|
|
|
Net Profit Growth (%)
|
11.08
|
18.34
|
28.39
|
44.17
|
25.05
|
-10.05
|
|
|
|
|
|
|
EPS Growth (%)
|
13.40
|
18.06
|
28.29
|
13.21
|
24.86
|
-10.22
|
|
|
|
|
|
|
Book Value Growth (%)
|
--
|
14.01
|
12.62
|
36.16
|
11.69
|
10.92
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
12.88
|
8.61
|
11.84
|
10.84
|
6.86
|
6.29
|
|
|
|
|
|
|
Price / Book Value
|
1.51
|
1.03
|
1.36
|
1.09
|
0.79
|
0.65
|
|
|
|
|
|
|
Dividend Yield (%)
|
0.70
|
1.06
|
0.57
|
--
|
--
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
11.95
|
10.88
|
11.51
|
10.97
|
11.01
|
10.40
|
|
|
|
|
|
|
Close Price (₹)
|
1,038.40
|
755.05
|
881.50
|
629.85
|
425.01
|
312.12
|
|
|
|
|
|
|
High Price (₹)
|
1,116.50
|
1,141.90
|
1,202.20
|
913.95
|
542.33
|
766.12
|
|
|
|
|
|
|
Low Price (₹)
|
729.60
|
729.60
|
615.65
|
392.24
|
257.96
|
289.78
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
29,807.28
|
19,716.88
|
22,919.40
|
16,344.20
|
8,668.95
|
6,352.01
|
|
|
|
|
|
Solvency Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debt to Equity
|
--
|
3.71
|
3.71
|
3.69
|
4.89
|
5.40
|
|
|
|
|
|
|
Short term debt to equity ratio
|
--
|
1.20
|
1.33
|
1.50
|
0.58
|
0.71
|
|
|
|
|
|
|
Current Ratio
|
1.26
|
0.16
|
0.19
|
0.20
|
0.75
|
0.76
|
|
|
|
|
|
|
Quick Ratio
|
1.26
|
0.16
|
0.19
|
0.20
|
0.86
|
0.89
|
|
|
|
|
|
|
Interest Coverage
|
1.59
|
1.59
|
1.55
|
1.46
|
1.35
|
1.27
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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