	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Total Revenue	455	647	1,116	1,777	2,697	3,908	5,405	7,625	8,473	7,592	6,185	6,516	7,038	7,652	8,493
Cost of Operating Revenue	7	5	17	29	50	90	-	-	-	-	-	-	-	-	-
Total Operating Expenses	42	63	117	179	255	363	349	539	487	413	457	520	659	800	909
Operating Profit	413	583	999	1,598	2,442	3,545	5,056	7,086	7,986	7,179	5,728	5,996	6,379	6,852	7,584
Operating Margin	90.8	90.2	89.6	89.9	90.6	90.7	93.5	92.9	94.3	94.6	92.6	92.0	90.6	89.5	89.3
Financing Income/(Expense) - Net	-311	-459	-801	-1,265	-1,860	-2,644	-3,537	-5,166	-5,875	-5,100	-4,064	-3,899	-4,261	-4,551	-5,000
Profit before Taxes	103	126	176	296	503	804	1,235	1,734	811	1,207	1,084	1,361	1,954	2,486	2,971
Income Taxes	27	35	48	100	177	280	393	543	165	277	247	315	446	550	679
Profit after Tax	75	92	127	196	326	524	841	1,192	646	930	836	1,046	1,508	1,936	2,291
PAT Margin	16.5	14.2	11.4	11.0	12.1	13.4	15.6	15.6	7.6	12.2	13.5	16.1	21.4	25.3	27.0
EPS - Basic - ex Extraordinary Items	20.76	18.47	21.06	20.22	22.76	30.41	41.85	58.96	31.85	45.79	41.11	51.36	58.37	74.52	88.01
EPS - Diluted - ex Extraordinary Items	14.31	18.47	21.06	20.22	22.76	29.94	41.36	58.60	31.81	45.77	41.02	51.31	0.63	74.25	87.80
EBIT	413	583	999	1,598	2,442	3,545	5,056	7,086	7,986	7,179	5,728	5,996	6,379	6,852	7,584
EBITDA	414	585	1,004	1,603	2,457	3,564	5,080	7,117	8,052	7,238	5,781	6,047	6,430	6,908	7,651
EBITDA Margin	90.9	90.5	90.0	90.2	91.1	91.2	94.0	93.3	95.0	95.3	93.5	92.8	91.4	90.3	90.1

Balance Sheet

Abridged

Understanding Balance Sheet

PNB Housing Finance Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	C 2015 Mar 31	C 2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Property Plant & Equipment - Net	4	16	26	56	52	49	67	82	226	160	132	132	195	219	243
Total Assets	4,533	7,866	11,530	19,033	29,671	42,618	63,014	83,869	78,930	71,392	65,730	66,874	72,405	82,520	93,512
Deposits - Total	-	-	-	-	-	9,788	11,340	14,023	16,132	16,746	17,649	17,214	17,758	17,642	18,055
Long Term Debt	2,802	5,328	7,947	11,105	16,646	25,533	42,437	32,885	31,819	27,055	21,911	20,151	20,898	28,321	53,143
Total Liabilities	4,129	7,245	10,596	17,452	27,525	36,818	56,447	76,325	70,932	62,469	55,858	55,860	57,430	65,657	74,293
Total Shareholders' Equity	404	621	935	1,581	2,146	5,800	6,567	7,544	7,998	8,923	9,872	11,014	14,974	16,863	19,219
Total Equity	404	621	935	1,581	2,146	5,800	6,567	7,544	7,998	8,923	9,872	11,014	14,974	16,863	19,219
Total Liabilities & Equity	4,533	7,866	11,530	19,033	29,671	42,618	63,014	83,869	78,930	71,392	65,730	66,874	72,405	82,520	93,512
Total Current Assets	688	2,347	2,662	4,251	3,015	-	-	-	-	-	-	-	-	-	-
Total Current Liabilities	1,310	1,874	2,465	5,999	10,587	-	-	-	-	-	-	-	-	-	-

Cash Flow

Abridged

Understanding Cash Flow Statement

PNB Housing Finance Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	C 2018 Mar 31	2019 Mar 31	2020 Mar 31	C 2021 Mar 31	R 2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	76	99	162	247	434	654	1,057	1,698	1,739	1,502	1,354	1,694	2,074	2,599	2,145
Working Capital - Increase/(Decrease)	-803	-2,615	-3,917	-7,035	-10,098	-13,060	-16,720	-18,315	7,189	5,109	4,900	-3,559	-6,735	-10,656	-11,129
Net CF from Operating Activities	-726	-2,516	-3,755	-6,788	-9,664	-12,406	-15,664	-16,617	8,929	6,611	6,254	-1,865	-4,662	-8,057	-8,984
Capital Expenditures - Net	3	11	15	37	20	17	50	54	63	6	15	15	39	48	32
Net CF from Investing Activities	-70	-421	-15	-37	-20	-17	-50	-54	-63	21	-1,475	176	-1,186	757	684
Dividends Paid - Cash - Total	8	8	12	18	29	49	120	182	182	-	-	-	-	-	130
Stock - Issuance/(Retirement) - Net	-	-	16	38	23	39	1	1	1	3	11	7	2,468	7	28
Debt - LT & ST - Issuance/(Retirement) - Total	748	3,121	3,414	6,370	9,533	9,472	18,553	18,040	-4,228	-8,180	-6,743	294	1,710	7,397	8,822
Net Cash Flow from Financing Activities	740	3,113	3,606	6,848	9,804	12,322	18,464	17,888	-4,386	-8,178	-6,732	301	4,179	7,404	8,720
Free Cash Flow to Equity	19	595	-356	-455	-151	-2,952	2,839	1,369	4,638	-1,575	-504	-1,585	-2,990	-709	-194
Free Operating CF net dividend	-737	-2,534	-3,782	-6,843	-9,713	-12,472	-15,834	-16,857	8,682	6,604	6,239	-1,880	-4,701	-8,106	-9,147
Free Operating CF	-729	-2,526	-3,770	-6,826	-9,684	-12,423	-15,713	-16,676	8,865	6,604	6,239	-1,880	-4,701	-8,106	-9,017

Business Segment Analysis

FY End:

Mar 25

PNB Housing Finance Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex

Loans against/for purchase, construction of houses/flats (100.0%)₹ 49.05 Cr

Revenue / Sales

Loans against/for purchase, construction of houses/flats (100.0%)₹ 7,651.53 Cr

Assets

Loans against/for purchase, construction of houses/flats (100.0%)₹ 82,520.36 Cr

Operating Income

Loans against/for purchase, construction of houses/flats (100.0%)₹ 6,851.91 Cr

Regional Segment Analysis

FY End:

Mar 25

PNB Housing Finance Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 7,651.53 Cr

Assets

India (100.0%)₹ 82,520.36 Cr

Historical Segment Analysis

Track how PNB Housing Finance Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31

Loans against/for purchase, construction of houses/flats	64	8	15	15	39	49

Frequently Asked Questions

What is the revenue of PNB Housing Finance Ltd.?

The latest trailing twelve month revenue of PNB Housing Finance Ltd. is ₹ 8,493.26 Cr, reflecting a 1-year growth of 11.00% and a 3-year CAGR of 9.24%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of PNB Housing Finance Ltd.?

The latest trailing twelve month net profit (PAT) of PNB Housing Finance Ltd. is ₹ 2,291.24 Cr, with a 3-year earnings CAGR of 19.61%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of PNB Housing Finance Ltd.?

The trailing twelve month EBITDA of PNB Housing Finance Ltd. is approximately ₹ 7,584.18 Cr (based on an operating margin of 89.30%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of PNB Housing Finance Ltd.?

The trailing twelve month Earnings Per Share (EPS) of PNB Housing Finance Ltd. is 87.80. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of PNB Housing Finance Ltd.?

The debt-to-equity ratio of PNB Housing Finance Ltd. stands at 2.77. The interest coverage ratio is 1.52x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of PNB Housing Finance Ltd.?

The estimated book value per share of PNB Housing Finance Ltd. is 755.97 (derived from a P/B ratio of 1.43 and market price of ₹ 1,078.00), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of PNB Housing Finance Ltd.?

The trailing twelve month operating cash flow of PNB Housing Finance Ltd. is ₹ -8,983.55 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does PNB Housing Finance Ltd. report consolidated or standalone financials?

PNB Housing Finance Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.