PNB Housing Finance Cash Flow Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Net Income	22,912	19,361	15,080	10,460	8,365
Depreciation & Amortization	664.8	484.9	434.6	435.4	448
Other Amortization	-	74	77.3	79	85.9
Loss (Gain) From Sale of Investments	-3,201	457.3	-1,889	-10,393	104.4
Provision for Credit Losses	1,933	4,647	6,304	16,538	7,942
Stock-Based Compensation	219.4	176.8	144.6	119.5	36.7
Change in Accounts Payable	-30.1	-22	-105.1	139.6	-15.3
Change in Other Net Operating Assets	-111,260	-106,541	-68,235	-35,733	49,017
Other Operating Activities	-1,080	784.8	1,571	-775	-3,521
Operating Cash Flow	-89,836	-80,573	-46,615	-18,650	62,543
Operating Cash Flow Growth	-	-	-	-	-5.40%
Capital Expenditures	-330.6	-490.5	-392.9	-148.5	-151.3
Sale of Property, Plant & Equipment	7.7	5.7	2.8	1.7	1.3
Investment in Securities	7,166	8,056	-11,471	1,905	-14,600
Investing Cash Flow	6,843	7,571	-11,861	1,758	-14,750
Short-Term Debt Issued	143,199	150,444	100,547	500	-
Long-Term Debt Issued	382,841	378,979	233,365	179,217	201,033
Total Debt Issued	526,039	529,423	333,912	179,717	201,033
Short-Term Debt Repaid	-154,500	-151,500	-67,500	-500	-11,250
Long-Term Debt Repaid	-287,405	-302,335	-254,760	-172,327	-266,248
Total Debt Repaid	-441,905	-453,835	-322,260	-172,827	-277,498
Net Debt Issued (Repaid)	84,134	75,587	11,652	6,891	-76,466
Issuance of Common Stock	283.7	69.7	24,686	72.1	111.5
Common Dividends Paid	-1,302	-	-	-	-
Other Financing Activities	4,082	-1,618	5,448	-3,948	9,032
Financing Cash Flow	87,198	74,039	41,786	3,015	-67,322
Net Cash Flow	4,206	1,036	-16,690	-13,878	-19,530
Free Cash Flow	-90,166	-81,064	-47,008	-18,799	62,391
Free Cash Flow Growth	-	-	-	-	-5.52%
Free Cash Flow Margin	-257.26%	-247.04%	-157.23%	-49.89%	292.90%
Free Cash Flow Per Share	-345.51	-310.87	-181.41	-111.34	369.45
Cash Interest Paid	-	44,782	41,811	39,799	44,040
Cash Income Tax Paid	-	3,944	3,577	3,043	3,597

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