PNB Housing Finance Limited (BOM:540173)
India · Delayed Price · Currency is INR 1,120.00
+30.00 (2.75%)
At close: Oct 28, 2026
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 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Interest and Dividend Income | 85,010 | 80,712 | 72,737 | 67,422 | 61,991 | 58,220 |
Total Interest Expense | 52,418 | 49,899 | 45,402 | 42,506 | 38,878 | 40,558 |
Net Interest Income | 32,592 | 30,813 | 27,335 | 24,916 | 23,113 | 17,662 |
Commissions and Fees | 4,689 | 3,945 | 3,643 | 2,729 | 2,833 | 2,626 |
Gain (Loss) on Sale of Investments | 388.5 | 388.5 | 273 | 349.8 | 341 | 1,114 |
Other Revenue | -268.7 | 5.2 | 262.8 | 70.1 | 132.3 | 48 |
Revenue Before Loan Losses | 37,401 | 35,152 | 31,514 | 28,065 | 26,419 | 21,450 |
Provision for Loan Losses | -1,134 | -2,061 | -1,299 | -1,832 | -11,261 | 148.2 |
| 38,534 | 37,213 | 32,814 | 29,897 | 37,680 | 21,301 | |
Revenue Growth | 6.80% | 13.41% | 9.76% | -20.66% | 76.89% | 20.91% |
Salaries & Employee Benefits | 5,331 | 4,867 | 4,215 | 3,373 | 2,660 | 2,166 |
Cost of Services Provided | 709.7 | 670.9 | 667.7 | 674.7 | 581.6 | 485.7 |
Other Operating Expenses | 3,106 | 2,983 | 2,690 | 2,258 | 1,669 | 1,575 |
Total Operating Expenses | 9,283 | 8,636 | 6,198 | 10,355 | 22,807 | 10,381 |
Operating Income | 29,252 | 28,577 | 26,616 | 19,542 | 14,873 | 10,920 |
EBT Excluding Unusual Items | 29,148 | 28,473 | 26,504 | 19,542 | 14,873 | 10,920 |
Gain (Loss) on Sale of Investments | 1,239 | 1,239 | -1,644 | - | -785.5 | - |
Pretax Income | 30,381 | 29,706 | 24,858 | 19,539 | 13,609 | 10,840 |
Income Tax Expense | 6,881 | 6,794 | 5,496 | 4,459 | 3,149 | 2,475 |
Net Income | 23,500 | 22,912 | 19,361 | 15,080 | 10,460 | 8,365 |
Net Income to Common | 23,500 | 22,912 | 19,361 | 15,080 | 10,460 | 8,365 |
Net Income Growth | 9.37% | 18.34% | 28.39% | 44.17% | 25.05% | -10.05% |
Shares Outstanding (Basic) | 261 | 260 | 260 | 258 | 169 | 169 |
Shares Outstanding (Diluted) | 261 | 261 | 261 | 259 | 169 | 169 |
Shares Change | 0.18% | 0.08% | 0.63% | 53.47% | -0.02% | 0.36% |
EPS (Basic) | 90.19 | 88.01 | 74.52 | 58.37 | 62.01 | 49.64 |
EPS (Diluted) | 89.95 | 87.80 | 74.25 | 58.20 | 61.95 | 49.53 |
EPS Growth | 9.18% | 18.25% | 27.58% | -6.05% | 25.08% | -10.37% |
Additional Metrics
Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Free Cash Flow | -128,710 | -90,166 | -81,064 | -47,008 | -18,799 | 62,391 |
Free Cash Flow Per Share | -492.62 | -345.50 | -310.87 | -181.41 | -111.34 | 369.45 |
Dividend Per Share | - | 8.000 | 5.000 | - | - | - |
Dividend Growth | - | 60.00% | - | - | - | - |
Operating Margin | 75.91% | 76.79% | 81.11% | 65.36% | 39.47% | 51.27% |
Profit Margin | 60.99% | 61.57% | 59.00% | 50.44% | 27.76% | 39.27% |
Free Cash Flow Margin | -334.01% | -242.30% | -247.04% | -157.23% | -49.89% | 292.90% |
Effective Tax Rate | 22.65% | 22.87% | 22.11% | 22.82% | 23.14% | 22.83% |
Revenue as Reported | 89,819 | 85,050 | 76,916 | 70,571 | 65,297 | 62,007 |