Income Statement PNB Housing Finance Limited

Equities

PNBHOUSING

INE572E01012

Banks

Market Closed - NSE India S.E. Other stock markets 04:35:04 10/03/2026 pm IST			5-day change	1st Jan Change
791.30 ^INR	+4.74%		-2.71%	-16.84%

04/02	PNB Housing Finance Limited Announces Resignation of Dilip Kumar Jain as Non-Executive Nominee Director and from All the Board Committees, Effective February 4, 2026	CI
22/01	India's Stocks Rise on Easing Tension Over Greenland Issue	MT

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Published financial data: PNB HOUSING FINANCE LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	7.19TCr	5.82TCr	6.2TCr	6.74TCr	7.27TCr
Interest Expense, Total	5.07TCr	4.06TCr	3.89TCr	4.25TCr	4.54TCr
Net Interest Income	2.11TCr	1.77TCr	2.31TCr	2.49TCr	2.73TCr
Commission and Fees	181.23Cr	262.55Cr	283.26Cr	272.89Cr	364.32Cr
Gain (Loss) on Sale of Investments, Total (Rev)	-	111.38Cr	34Cr	35Cr	27Cr
Other Revenues, Total	253.02Cr	4.8Cr	13Cr	7.01Cr	26Cr
Revenues Before Provison For Loan Losses	2.55TCr	2.14TCr	2.64TCr	2.81TCr	3.15TCr
Provision For Loan Losses	-	15Cr	-1.13TCr	-183.18Cr	-129.92Cr
Total Revenues	2.55TCr	2.13TCr	3.77TCr	2.99TCr	3.28TCr
Salaries And Other Employee Benefits	211.29Cr	216.61Cr	265.96Cr	337.34Cr	421.47Cr
Cost of Services Provided, Total	36Cr	49Cr	58Cr	67Cr	67Cr
Depreciation & Amortization - (IS) - (Collected)	59Cr	53Cr	51Cr	51Cr	56Cr
Provision for Bad Debts	83Cr	562.03Cr	1.74TCr	353.73Cr	-193.4Cr
Other Operating Expenses	922.51Cr	157.52Cr	166.93Cr	225.79Cr	280.51Cr
Total Operating Expenses	1.31TCr	1.04TCr	2.28TCr	1.04TCr	631.24Cr
Operating Income	1.24TCr	1.09TCr	1.49TCr	1.95TCr	2.65TCr
EBT, Excl. Unusual Items	1.24TCr	1.09TCr	1.49TCr	1.95TCr	2.65TCr
Gain (Loss) on Sale of Investments	-	-	-79Cr	-	-164.35Cr
Gain (Loss) on Sale of Assets	-3.71Cr	-19L	-48Cr	-25L	-
Asset Writedown	-27Cr	-7.86Cr	-	-	-
EBT, Incl. Unusual Items	1.21TCr	1.08TCr	1.36TCr	1.95TCr	2.49TCr
Income Tax Expense	277.13Cr	247.48Cr	314.91Cr	445.89Cr	549.63Cr
Earnings From Continuing Operations	929.9Cr	836.48Cr	1.05TCr	1.51TCr	1.94TCr
Net Income to Company	929.9Cr	836.48Cr	1.05TCr	1.51TCr	1.94TCr
Net Income - (IS)	929.9Cr	836.48Cr	1.05TCr	1.51TCr	1.94TCr
Net Income to Common Incl Extra Items	929.9Cr	836.48Cr	1.05TCr	1.51TCr	1.94TCr
Net Income to Common Excl. Extra Items	929.9Cr	836.48Cr	1.05TCr	1.51TCr	1.94TCr
Per Share Items
Net EPS - Basic	55.29	49.64	62.01	58.37	74.52
Basic EPS - Continuing Operations	55.29	49.64	62.01	58.37	74.52
Basic Weighted Average Shares Outstanding	17Cr	17Cr	17Cr	26Cr	26Cr
Net EPS - Diluted	55.26	49.53	61.95	58.2	74.25
Diluted EPS - Continuing Operations	55.26	49.53	61.95	58.2	74.25
Diluted Weighted Average Shares Outstanding	17Cr	17Cr	17Cr	26Cr	26Cr
Normalized Basic EPS	45.98	40.5	55.11	47.27	63.75
Normalized Diluted EPS	45.96	40.42	55.05	47.13	63.52
Dividend Per Share	-	-	-	-	5
Payout Ratio	-	-	-	-	-
Supplemental Items
Total Revenues (As Reported)	7.62TCr	6.2TCr	6.53TCr	7.06TCr	7.69TCr
Effective Tax Rate - (Ratio)	22.96	22.83	23.14	22.82	22.11
Current Domestic Taxes	413.25Cr	249.15Cr	88Cr	422.67Cr	569.83Cr
Total Current Taxes	413.25Cr	249.15Cr	88Cr	422.67Cr	569.83Cr
Deferred Domestic Taxes	-136.12Cr	-1.67Cr	227.13Cr	23Cr	-20Cr
Total Deferred Taxes	-136.12Cr	-1.67Cr	227.13Cr	23Cr	-20Cr
Normalized Net Income	773.36Cr	682.51Cr	929.56Cr	1.22TCr	1.66TCr
Non-Cash Pension Expense	-2.46Cr	-9L	-7L	1L	-1L
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	13Cr	3.67Cr	12Cr	14Cr	18Cr
Total Stock-Based Compensation	13Cr	3.67Cr	12Cr	14Cr	18Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	6.97TCr	5.07TCr	3.68TCr	2.14TCr	2.16TCr
Long-Term Investments - (FS Template)	1.94TCr	2.23TCr	2.28TCr	2.39TCr	2.43TCr
Trading Asset Securities, Total	102.98Cr	1.49TCr	1.58TCr	2.09TCr	953.09Cr
Loans and Lease Receivables - (FS Template)	62TCr	56TCr	59TCr	65TCr	75TCr
Other Receivables	73Cr	70Cr	319.78Cr	267.41Cr	90Cr
Gross Property Plant And Equipment	289.08Cr	305.02Cr	339.43Cr	373.9Cr	407.72Cr
Accumulated Depreciation	-129.23Cr	-173.17Cr	-207.57Cr	-178.77Cr	-188.58Cr
Net Property Plant And Equipment	159.85Cr	131.85Cr	131.86Cr	195.13Cr	219.14Cr
Other Intangibles, Total	23Cr	22Cr	17Cr	26Cr	36Cr
Restricted Cash	7L	7L	7L	68L	89L
Other Current Assets, Total	158.44Cr	331.04Cr	147.64Cr	502.89Cr	1.47TCr
Deferred Tax Assets Long-Term (Collected)	429.63Cr	398.9Cr	145.67Cr	127.69Cr	171.16Cr
Other Long-Term Assets, Total	6.03Cr	3.72Cr	12Cr	11Cr	20Cr
Total Assets	71TCr	66TCr	67TCr	72TCr	83TCr
Liabilities
Interest Bearing Deposits	17TCr	18TCr	17TCr	18TCr	18TCr
Deposits	17TCr	18TCr	17TCr	18TCr	18TCr
Accounts Payable, Total	111.88Cr	16Cr	30Cr	20Cr	18Cr
Accrued Expenses, Total	752.64Cr	426.85Cr	344.16Cr	432.98Cr	506.93Cr
Short-Term Borrowings	2.19TCr	1.46TCr	1.17TCr	1.35TCr	14TCr
Current Portion of Long-Term Debt	14TCr	13TCr	16TCr	16TCr	3.91TCr
Current Portion of Leases	31Cr	34Cr	23Cr	26Cr	145.69Cr
Long-Term Debt	27TCr	22TCr	20TCr	21TCr	28TCr
Long-Term Leases	55Cr	36Cr	51Cr	106.97Cr	544.62Cr
Current Income Taxes Payable	63Cr	-	-	-	-
Unearned Revenue, Current	175.71Cr	207.07Cr	134.75Cr	73Cr	87Cr
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	-	7L	197.12Cr	40Cr	22L
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	16Cr	15Cr	15Cr	14Cr	19Cr
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	651.96Cr	585.6Cr	324.77Cr	534.35Cr	155.59Cr
Total Liabilities	62TCr	56TCr	56TCr	57TCr	66TCr
Common Stock, Total	168.27Cr	168.6Cr	168.86Cr	259.72Cr	259.93Cr
Additional Paid In Capital	4.05TCr	4.06TCr	4.07TCr	6.45TCr	6.46TCr
Retained Earnings	4.85TCr	5.71TCr	6.77TCr	8.27TCr	10TCr
Comprehensive Income and Other	-143.42Cr	-65Cr	7.18Cr	-12Cr	-77Cr
Total Common Equity	8.92TCr	9.87TCr	11TCr	15TCr	17TCr
Total Equity	8.92TCr	9.87TCr	11TCr	15TCr	17TCr
Total Liabilities And Equity	71TCr	66TCr	67TCr	72TCr	83TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	17Cr	17Cr	17Cr	26Cr	26Cr
ECS Total Common Shares Outstanding	17Cr	17Cr	17Cr	26Cr	26Cr
Book Value / Share	530.29	585.51	652.26	576.55	648.77
Tangible Book Value	8.9TCr	9.85TCr	11TCr	15TCr	17TCr
Tangible Book Value Per Share	528.9	584.23	651.25	575.54	647.4
Total Debt	44TCr	37TCr	38TCr	39TCr	47TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-1.89Cr	-99L	-28L	-32L	76L
Net Debt	37TCr	30TCr	32TCr	34TCr	44TCr
Full Time Employees	1.39T	1.42T	1.69T	2T	2.15T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	929.9Cr	836.48Cr	1.05TCr	1.51TCr	1.94TCr
Depreciation, Depletion & Amortization	49Cr	45Cr	44Cr	43Cr	48Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	49Cr	45Cr	44Cr	43Cr	48Cr
Amortization of Deferred Charges, Total	9.63Cr	8.59Cr	7.9Cr	7.73Cr	7.4Cr
(Gain) Loss On Sale of Asset - (CF)	30Cr	8.05Cr	48Cr	25L	28L
(Gain) Loss on Sale of Investments - (CF)	721.35Cr	10Cr	-1.04TCr	-188.92Cr	46Cr
Provision for Credit Losses	-89Cr	794.16Cr	1.65TCr	531.49Cr	464.72Cr
Stock-Based Compensation (CF)	13Cr	3.67Cr	12Cr	14Cr	18Cr
Change in Accounts Payable	25Cr	-1.53Cr	14Cr	-11Cr	-2.2Cr
Change in Other Net Operating Assets (Collected)	5.12TCr	4.68TCr	-3.57TCr	-6.72TCr	-11TCr
Other Operating Activities	-17Cr	-132.8Cr	-78Cr	157.14Cr	78Cr
Cash from Operations	6.79TCr	6.26TCr	-1.87TCr	-4.66TCr	-8.06TCr
Capital Expenditure	-7.72Cr	-15Cr	-15Cr	-39Cr	-49Cr
Sale of Property, Plant, and Equipment	37L	13L	17L	28L	57L
Investment in Marketable and Equity Securities, Total	-	-1.46TCr	190.46Cr	-1.15TCr	805.58Cr
Other Investing Activities, Total	1.69Cr	-	-	-	-
Cash from Investing	-5.66Cr	-1.47TCr	175.78Cr	-1.19TCr	757.1Cr
Short Term Debt Issued, Total	2.12TCr	-	50Cr	10TCr	15TCr
Long-Term Debt Issued, Total	20TCr	20TCr	18TCr	23TCr	38TCr
Total Debt Issued	22TCr	20TCr	18TCr	33TCr	53TCr
Short Term Debt Repaid, Total	-1.42TCr	-1.12TCr	-50Cr	-6.75TCr	-15TCr
Long-Term Debt Repaid, Total	-29TCr	-27TCr	-17TCr	-25TCr	-30TCr
Total Debt Repaid	-31TCr	-28TCr	-17TCr	-32TCr	-45TCr
Issuance of Common Stock	2.74Cr	11Cr	7.21Cr	2.47TCr	6.97Cr
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Other Financing Activities, Total	630.68Cr	901.39Cr	-394.79Cr	544.81Cr	-161.82Cr
Cash from Financing	-8.33TCr	-6.68TCr	301.47Cr	4.18TCr	7.4TCr
Net Change in Cash	-1.55TCr	-1.9TCr	-1.39TCr	-1.67TCr	103.63Cr
Supplemental Items
Cash Interest Paid	252.34Cr	4.18TCr	3.98TCr	4.18TCr	4.48TCr
Cash Income Tax Paid (Refund)	295.74Cr	359.71Cr	304.34Cr	357.66Cr	394.42Cr
Net Debt Issued / Repaid	-8.97TCr	-7.6TCr	689.05Cr	1.17TCr	7.56TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.24	1.22	1.58	2.17	2.5
Return On Equity %	10.99	8.9	10.02	11.61	12.16
Return on Common Equity	10.99	8.9	10.02	11.61	12.16
Margin Analysis
Gross Profit Margin %	98.91	98.65	99.04	98.7	98.81
SG&A Margin	8.61	11.1	7.64	12.24	13.69
Income From Continuing Operations Margin %	36.48	39.27	27.76	50.44	59
Net Income Margin %	36.48	39.27	27.76	50.44	59
Net Avail. For Common Margin %	36.48	39.27	27.76	50.44	59
Normalized Net Income Margin	30.34	32.04	24.67	40.85	50.48
Asset Turnover
Asset Turnover	0.03	0.03	0.06	0.04	0.04
Short Term Liquidity
Current Ratio	2	1.89	1.82	1.94	2.17
Quick Ratio	2	1.88	1.81	1.92	2.13
Operating Cash Flow to Current Liabilities	0.2	0.19	-0.05	-0.13	-0.22
Long Term Solvency
Total Debt/Equity	492.57	374.39	341.38	257.49	280.08
Total Debt / Total Capital	83.12	78.92	77.34	72.03	73.69
LT Debt/Equity	307.57	223.1	182.96	139.56	170.47
Long-Term Debt / Total Capital	51.9	47.03	41.45	39.04	44.85
Total Liabilities / Total Assets	87.5	84.98	83.53	79.32	79.56
Tier 1 Capital Ratio %	15.53	20.73	22.4	27.9	28.63
Total Capital Ratio %	18.73	23.4	24.43	29.26	29.62
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-3.85	20.91	76.89	-20.66	9.76
Gross Profit, 1 Yr. Growth %	-4.12	21.2	77.59	-20.93	9.88
Earnings From Cont. Operations, 1 Yr. Growth %	43.89	-10.05	25.05	44.17	28.39
Net Income, 1 Yr. Growth %	43.89	-10.05	25.05	44.17	28.39
Normalized Net Income, 1 Yr. Growth %	42.65	-11.75	36.2	31.39	35.61
Diluted EPS Before Extra, 1 Yr. Growth %	43.87	-10.37	25.08	-6.05	27.58
Common Equity, 1 Yr. Growth %	11.57	10.63	11.57	35.96	12.61
Total Assets, 1 Yr. Growth %	-9.55	-7.93	1.74	8.27	13.97
Tangible Book Value, 1 Yr. Growth %	11.67	10.68	11.64	35.93	12.57
Cash From Operations, 1 Yr. Growth %	-23.93	-5.37	-129.82	149.94	72.85
Capital Expenditures, 1 Yr. Growth %	-87.89	95.98	-1.85	164.58	24.84
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	-
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-0.08	-10.37	46.25	18.47	-6.68
Gross Profit, 2 Yr. CAGR %	0.71	-10.61	46.71	18.5	-6.79
Earnings From Cont. Operations, 2 Yr. CAGR %	-11.66	13.77	6.06	34.27	36.05
Net Income, 2 Yr. CAGR %	-11.66	13.77	6.06	34.27	36.05
Normalized Net Income, 2 Yr. CAGR %	-15.54	12.2	9.63	33.77	33.49
Diluted EPS Before Extra, 2 Yr. CAGR %	-11.63	13.56	5.88	8.4	9.48
Common Equity, 2 Yr. CAGR %	8.76	11.1	11.1	23.16	23.74
Total Assets, 2 Yr. CAGR %	-7.74	-8.74	-3.22	4.96	11.08
Tangible Book Value, 2 Yr. CAGR %	8.8	11.17	11.16	23.19	23.7
Cash From Operations, 2 Yr. CAGR %	-36.07	-16.29	-46.89	-13.67	107.85
Capital Expenditures, 2 Yr. CAGR %	-63.73	-51.28	38.69	61.15	81.74
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	8.81	-5.86	12.43	19.28	15.49
Gross Profit, 3 Yr. CAGR %	10.15	-5.45	12.38	19.39	15.55
Earnings From Cont. Operations, 3 Yr. CAGR %	3.4	-11.12	17.41	17.49	32.28
Net Income, 3 Yr. CAGR %	3.4	-11.12	17.41	17.49	32.28
Normalized Net Income, 3 Yr. CAGR %	0.07	-14.29	19.69	16.45	34.38
Diluted EPS Before Extra, 3 Yr. CAGR %	3.43	-11.21	17.27	1.74	14.45
Common Equity, 3 Yr. CAGR %	10.76	9.38	11.26	18.84	19.54
Total Assets, 3 Yr. CAGR %	4.25	-7.8	-5.38	0.47	7.88
Tangible Book Value, 3 Yr. CAGR %	10.77	9.42	11.33	18.87	19.54
Cash From Operations, 3 Yr. CAGR %	-24.31	-27.79	-40.67	-11	8.81
Capital Expenditures, 3 Yr. CAGR %	-46.27	-36.35	-38.47	72.01	48
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	-
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	25.15	10.38	13.75	3.21	4.36
Gross Profit, 5 Yr. CAGR %	24.9	10.1	14.62	3.49	4.28
Earnings From Cont. Operations, 5 Yr. CAGR %	23.29	9.82	4.46	4.82	24.54
Net Income, 5 Yr. CAGR %	23.29	9.82	4.46	4.82	24.54
Normalized Net Income, 5 Yr. CAGR %	19.72	6.31	3.79	2.41	25.03
Diluted EPS Before Extra, 5 Yr. CAGR %	15	6.5	4.4	-3.83	14.09
Common Equity, 5 Yr. CAGR %	32.98	12.1	10.89	14.7	16.09
Total Assets, 5 Yr. CAGR %	19.2	8.88	1.2	-2.9	0.89
Tangible Book Value, 5 Yr. CAGR %	33.03	12.09	10.92	14.73	16.12
Cash From Operations, 5 Yr. CAGR %	-6.81	-12.8	-34.66	-22.45	-2.03
Capital Expenditures, 5 Yr. CAGR %	-17.09	-2.23	-21.48	-7.71	-5.11
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	-