Financials 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

Projected Income Statement: PNB Housing Finance Limited

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Net sales ¹	25,243	21,363	26,311	27,960	31,402	35,039	41,148	48,699
Change	-	-15.37%	23.17%	6.26%	12.31%	11.58%	17.44%	18.35%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	20,689	16,603	20,522	20,549	23,272	25,886	30,747	36,553
Change	-	-19.75%	23.6%	0.13%	13.25%	11.23%	18.78%	18.88%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	12,070	10,840	13,609	18,838	24,858	28,335	29,335	33,981
Change	-	-10.2%	25.55%	38.42%	31.96%	13.99%	3.53%	15.84%
Net income ¹	9,299	8,365	10,460	15,080	19,361	22,159	23,507	26,876
Change	-	-10.05%	25.05%	44.17%	28.39%	14.45%	6.08%	14.33%
Announcement Date	27/04/21	28/04/22	18/05/23	29/04/24	28/04/25	-	-	-

¹INR in Million

Estimates

Fiscal Period: March	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4
Net sales ¹	5,088	6,818	6,501	6,835	5,900	5,516	4,995	4,951	4,817	7,196	8,002	6,297	6,602	7,221	-	7,443	7,352	7,612	7,852	8,587	8,475	8,812	8,815	8,973
Change	-	34.01%	-4.65%	5.14%	-13.68%	-6.5%	-9.45%	-0.87%	-2.71%	49.37%	11.2%	-21.31%	4.85%	9.37%	-	-	-1.23%	3.54%	3.16%	9.37%	-1.31%	3.98%	0.03%	1.79%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	4,046	5,751	5,505	5,387	4,748	4,330	3,832	3,693	3,594	5,837	6,217	4,874	5,072	5,519	4,994	5,664	5,422	5,591	5,795	6,464	6,317	6,569	6,609	6,602
Change	-	42.16%	-4.28%	-2.14%	-11.88%	-8.79%	-11.5%	-3.62%	-2.69%	62.41%	6.52%	-21.6%	4.06%	8.81%	-9.52%	13.43%	-4.28%	3.12%	3.65%	11.54%	-2.27%	3.98%	0.62%	-0.11%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	3,295	3,956	2,938	1,881	3,152	2,912	2,537	2,238	3,111	3,404	3,669	3,425	4,467	5,071	4,403	5,598	5,542	6,047	6,156	7,112	6,879	7,019	7,060	7,081
Change	-	20.06%	-25.72%	-35.97%	67.56%	-7.63%	-12.87%	-11.8%	39.02%	9.43%	7.77%	-6.65%	30.42%	13.53%	-13.17%	27.14%	-1.01%	9.12%	1.81%	15.52%	-3.27%	2.03%	0.58%	0.3%
Net income ¹	2,572	3,133	2,324	1,270	2,433	2,352	1,884	1,695	2,350	2,626	2,691	2,793	3,473	3,830	3,384	4,392	4,328	4,697	4,833	5,504	5,335	5,420	5,539	5,674
Change	-	21.82%	-25.82%	-45.34%	91.51%	-3.32%	-19.88%	-10.03%	38.59%	11.78%	2.47%	3.77%	24.36%	10.27%	-11.63%	29.79%	-1.47%	8.52%	2.89%	13.89%	-3.07%	1.59%	2.2%	2.43%
Announcement Date	23/07/20	28/10/20	27/01/21	27/04/21	04/08/21	02/11/21	20/01/22	28/04/22	28/07/22	27/10/22	24/01/23	18/05/23	24/07/23	23/10/23	24/01/24	29/04/24	25/07/24	24/10/24	21/01/25	28/04/25	21/07/25	-	-	-

¹INR in Million

Estimates

Forecast Balance Sheet: PNB Housing Finance Limited

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	27/04/21	28/04/22	18/05/23	29/04/24	28/04/25	-	-	-

Estimates

Cash Flow Forecast: PNB Housing Finance Limited

Fiscal Period: March	2020	2021	2022	2023	2024	2025
CAPEX ¹	637.5	77.2	151.3	148.5	392.9	490.5
Change	-	-87.89%	95.98%	-1.85%	164.58%	24.84%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	11/07/20	11/08/21	30/06/22	13/07/23	17/07/24	28/07/25

¹INR in Million

Estimates

Forecast Financial Ratios: PNB Housing Finance Limited

Fiscal Period: March	2020	2021	2022	2023	2024	2025	2026	2027	2028
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	81.96%	77.72%	78%	73.5%	74.11%	73.88%	74.72%	75.06%
EBT Margin (%)	-	47.82%	50.74%	51.72%	67.38%	79.16%	80.87%	71.29%	69.78%
Net margin (%)	-	36.84%	39.16%	39.75%	53.94%	61.66%	63.24%	57.13%	55.19%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	1.2%	1.22%	1.58%	2.17%	2.55%	2.52%	2.28%	2.25%
ROE	-	10.9%	8.9%	10.02%	11.61%	12.19%	12.36%	11.78%	12.05%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	-	-	-	-	5	11.3	13.13	15.68
Change	-	-	-	-	-	-	126%	16.22%	19.42%
Book Value Per Share ¹	-	530.3	585.5	652.2	576.6	649	726	807.3	900.2
Change	-	-	10.41%	11.4%	-11.6%	12.56%	11.87%	11.2%	11.51%
EPS ¹	-	55.26	49.53	61.95	58.2	74.25	85.12	89.92	102.4
Change	-	-	-10.37%	25.08%	-6.05%	27.58%	14.64%	5.64%	13.88%
Nbr of stocks (in thousands)	-	1,68,268	1,68,599	1,68,856	2,59,724	2,59,925	2,60,509	2,60,509	2,60,509
Announcement Date	-	27/04/21	28/04/22	18/05/23	29/04/24	28/04/25	-	-	-