PNB Housing Finance Limited (BOM:540173)

PNB Housing Finance Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	77,522	72,737	67,422	61,991	58,220	71,898
Total Interest Expense	48,261	45,402	42,506	38,878	40,558	50,838
Net Interest Income	29,261	27,335	24,916	23,113	17,662	21,060
Commissions and Fees	3,755	3,643	2,729	2,833	2,626	1,812
Gain (Loss) on Sale of Investments	273	273	349.8	341	1,114	1,623
Other Revenue	374.2	262.8	70.1	132.3	48	906.9
Revenue Before Loan Losses	33,663	31,514	28,065	26,419	21,450	25,402
Provision for Loan Losses	-2,418	-1,299	-1,832	-11,261	148.2	7,786
Revenue	36,080	32,814	29,897	37,680	21,301	17,617
Revenue Growth (YoY)	10.45%	9.76%	-20.66%	76.89%	20.91%	-33.55%
Salaries & Employee Benefits	4,306	4,215	3,373	2,660	2,166	2,113
Cost of Services Provided	643.5	667.7	674.7	581.6	485.7	392
Other Operating Expenses	3,079	2,805	2,258	1,669	1,575	1,317
Total Operating Expenses	6,692	6,312	10,355	22,807	10,381	5,243
Operating Income	29,388	26,501	19,542	14,873	10,920	12,374
EBT Excluding Unusual Items	29,388	26,501	19,542	14,873	10,920	12,374
Gain (Loss) on Sale of Investments	-1,644	-1,644	-	-785.5	-	-
Pretax Income	27,744	24,858	19,539	13,609	10,840	12,070
Income Tax Expense	6,257	5,496	4,459	3,149	2,475	2,771
Net Income	21,487	19,361	15,080	10,460	8,365	9,299
Net Income to Common	21,487	19,361	15,080	10,460	8,365	9,299
Net Income Growth	27.89%	28.39%	44.17%	25.05%	-10.05%	43.89%
Shares Outstanding (Basic)	260	260	258	169	169	168
Shares Outstanding (Diluted)	261	261	259	169	169	168
Shares Change (YoY)	0.04%	0.63%	53.47%	-0.02%	0.36%	0.01%
EPS (Basic)	82.63	74.52	58.37	62.01	49.64	55.29
EPS (Diluted)	82.39	74.25	58.20	61.95	49.53	55.26
EPS Growth	27.83%	27.58%	-6.05%	25.08%	-10.37%	43.87%
Free Cash Flow	-92,252	-81,064	-47,008	-18,799	62,391	66,036
Free Cash Flow Per Share	-353.70	-310.87	-181.41	-111.34	369.45	392.44
Dividend Per Share	-	5.000	-	-	-	-
Operating Margin	81.45%	80.76%	65.36%	39.47%	51.27%	70.24%
Profit Margin	59.55%	59.00%	50.44%	27.76%	39.27%	52.79%
Free Cash Flow Margin	-255.69%	-247.04%	-157.23%	-49.89%	292.90%	374.84%
Effective Tax Rate	22.55%	22.11%	22.82%	23.14%	22.83%	22.96%
Revenue as Reported	81,924	76,916	70,571	65,297	62,007	76,241

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