PNB Housing Finance Limited (BOM: 540173)

PNB Housing Finance Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest and Dividend Income	70,607	67,422	61,991	58,220	71,898	76,882
Total Interest Expense	44,325	42,506	38,878	40,558	50,838	58,382
Net Interest Income	26,282	24,916	23,113	17,662	21,060	18,500
Commissions and Fees	3,629	2,729	2,833	2,626	1,812	2,988
Gain (Loss) on Sale of Investments	349.8	349.8	341	1,114	1,623	-
Other Revenue	102.4	70.1	132.3	48	906.9	5,025
Revenue Before Loan Losses	30,363	28,065	26,419	21,450	25,402	26,513
Provision for Loan Losses	-1,832	-1,832	-11,261	148.2	7,786	-
Revenue	32,195	29,897	37,680	21,301	17,617	26,513
Revenue Growth (YoY)	-23.35%	-20.66%	76.89%	20.91%	-33.55%	3.84%
Salaries & Employee Benefits	4,070	3,373	2,660	2,166	2,113	2,331
Cost of Services Provided	664	674.7	581.6	485.7	392	487.8
Other Operating Expenses	2,602	2,258	1,669	1,575	1,317	13,580
Total Operating Expenses	11,430	10,355	22,807	10,381	5,243	17,839
Operating Income	20,764	19,542	14,873	10,920	12,374	8,674
EBT Excluding Unusual Items	20,764	19,542	14,873	10,920	12,374	8,674
Gain (Loss) on Sale of Investments	-	-	-785.5	-	-	-
Pretax Income	23,344	19,539	13,609	10,840	12,070	8,110
Income Tax Expense	5,094	4,459	3,149	2,475	2,771	1,648
Net Income	18,250	15,080	10,460	8,365	9,299	6,462
Net Income to Common	18,250	15,080	10,460	8,365	9,299	6,462
Net Income Growth	35.38%	44.17%	25.05%	-10.05%	43.89%	-45.76%
Shares Outstanding (Basic)	260	258	169	169	168	168
Shares Outstanding (Diluted)	261	259	169	169	168	168
Shares Change (YoY)	10.38%	53.47%	-0.02%	0.36%	0.01%	-0.08%
EPS (Basic)	70.25	58.37	62.01	49.64	55.29	38.45
EPS (Diluted)	69.99	58.20	61.95	49.53	55.26	38.41
EPS Growth	22.66%	-6.05%	25.08%	-10.37%	43.87%	-45.72%
Free Cash Flow	-	-47,008	-18,799	62,391	66,036	88,648
Free Cash Flow Per Share	-	-181.41	-111.34	369.45	392.44	526.86
Operating Margin	64.50%	65.36%	39.47%	51.26%	70.24%	32.72%
Profit Margin	56.69%	50.44%	27.76%	39.27%	52.78%	24.37%
Free Cash Flow Margin	-	-157.23%	-49.89%	292.90%	374.84%	334.35%
Effective Tax Rate	21.82%	22.82%	23.14%	22.83%	22.96%	20.32%
Revenue as Reported	74,688	70,571	65,297	62,007	76,241	84,896

Source: S&P Capital IQ. Financial Services template. Financial Sources.