PNB Housing Finance Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY	FY 2024	FY 2023	FY 2022
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Dec '24 Dec 31, 2024	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	79,231	72,737	-	67,422	61,991	58,220
Total Interest Expense	49,210	45,402	-	42,506	38,878	40,558
Net Interest Income	30,021	27,335	-	24,916	23,113	17,662
Commissions and Fees	3,819	3,643	-	2,729	2,833	2,626
Gain (Loss) on Sale of Investments	273	273	-	349.8	341	1,114
Other Revenue	375.6	262.8	-	70.1	132.3	48
Revenue Before Loan Losses	34,489	31,514	-	28,065	26,419	21,450
Provision for Loan Losses	-2,462	-1,299	-	-1,832	-11,261	148.2
Revenue	36,951	32,814	-	29,897	37,680	21,301
Revenue Growth (YoY)	6.25%	-	-	-20.66%	76.89%	20.91%
Salaries & Employee Benefits	4,662	4,215	-	3,373	2,660	2,166
Cost of Services Provided	646.2	667.7	-	674.7	581.6	485.7
Other Operating Expenses	3,045	2,805	-	2,258	1,669	1,575
Total Operating Expenses	7,035	6,312	-	10,355	22,807	10,381
Operating Income	29,916	26,501	-	19,542	14,873	10,920
EBT Excluding Unusual Items	29,916	26,501	-	19,542	14,873	10,920
Gain (Loss) on Sale of Investments	-1,644	-1,644	-	-	-785.5	-
Pretax Income	28,272	24,858	-	19,539	13,609	10,840
Income Tax Expense	6,414	5,496	-	4,459	3,149	2,475
Net Income	21,858	19,361	-	15,080	10,460	8,365
Net Income to Common	21,858	19,361	-	15,080	10,460	8,365
Net Income Growth	19.77%	-	-	44.17%	25.05%	-10.05%
Shares Outstanding (Basic)	260	260	-	258	169	169
Shares Outstanding (Diluted)	261	261	-	259	169	169
Shares Change (YoY)	0.04%	-	-	53.47%	-0.02%	0.36%
EPS (Basic)	84.01	74.52	-	58.37	62.01	49.64
EPS (Diluted)	83.79	74.25	-	58.20	61.95	49.53
EPS Growth	19.72%	-	-	-6.05%	25.08%	-10.37%
Free Cash Flow	-	-81,064	-	-47,008	-18,799	62,391
Free Cash Flow Per Share	-	-310.87	-	-181.41	-111.34	369.45
Dividend Per Share	-	5.000	-	-	-	-
Operating Margin	80.96%	80.76%	-	65.36%	39.47%	51.27%
Profit Margin	59.16%	59.00%	-	50.44%	27.76%	39.27%
Free Cash Flow Margin	-	-247.04%	-	-157.23%	-49.89%	292.90%
Effective Tax Rate	22.69%	22.11%	-	22.82%	23.14%	22.83%
Revenue as Reported	83,699	76,916	-	70,571	65,297	62,007

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.