National Housing Finance PLC (DSE:NHFIL)

Bangladesh · Delayed Price · Currency is BDT

29.60

-0.20 (-0.67%)

At close: Aug 13, 2026

National Housing Finance Financials Overview

Financials in millions BDT. Fiscal year is January - December.

Millions BDT. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	344.01	385.77	304.41	371.96	649.66	638.31
Revenue Growth	35.19%	26.73%	-18.16%	-42.74%	1.78%	-4.69%
Operating Income	134.26	164.5	72.3	142.27	434.8	437.38
Net Income	97.9	95.26	2.93	120.63	263.14	261.29
Earnings Per Share	0.76	0.74	0.03	1.03	2.25	2.23
EPS Growth	-	2853.17%	-97.57%	-54.16%	0.71%	-18.70%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	4,230	1,887	1,459	4,039	1,461	3,697
Total Debt	1,594	1,247	2,077	1,707	2,150	886.4
Net Cash (Debt)	2,637	639.55	-618.06	2,332	-689.22	2,810
Net Cash Growth	1758.99%	-	-	-	-	44.78%
Net Cash Per Share	20.48	4.97	-5.28	19.92	-5.89	24.01

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	2,053	887.46	-2,536	2,950	-2,242	1,077
Capital Expenditures	-1.05	-1.54	-1.94	-3	-4.04	-11.52
Free Cash Flow	2,052	885.92	-2,538	2,947	-2,247	1,066
Free Cash Flow Growth	-	-	-	-	-	88.06%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	39.03%	42.64%	23.75%	38.25%	66.93%	68.52%
Pretax Margin	42.63%	38.85%	14.41%	36.41%	62.85%	68.34%
Profit Margin	28.46%	24.70%	0.96%	32.43%	40.51%	40.93%
FCF Margin	596.53%	229.65%	-833.88%	792.22%	-345.80%	166.99%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 16, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.000	1.000	1.000	1.000	1.500	1.500
Dividend Per Share Growth	0%	0%	0%	-33.33%	0%	0%
Dividend Yield	3.38%	4.59%	3.88%	2.55%	3.96%	3.45%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 16, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	38.92	30.41	1061.50	40.55	18.59	22.26
P/FCF Ratio	1.86	3.27	-	1.66	-	5.46
PS Ratio	11.08	7.51	10.23	13.15	7.53	9.11