National Housing Finance PLC (DSE:NHFIL)

Bangladesh · Delayed Price · Currency is BDT

24.80

-0.30 (-1.20%)

At close: Nov 3, 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	Sep '26 Sep 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	358.59	385.77	304.41	371.96	649.66	638.31
Revenue Growth	18.94%	26.73%	-18.16%	-42.74%	1.78%	-4.69%
Operating Income	145.52	164.5	72.3	142.27	434.8	437.38
Net Income	96.59	95.26	2.93	120.63	263.14	261.29
Earnings Per Share	0.75	0.74	0.03	1.03	2.25	2.23
EPS Growth	464.42%	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	Sep '26 Sep 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	6,225	1,887	1,459	4,039	1,461	3,697
Total Debt	1,462	1,247	2,077	1,707	2,150	886.4
Net Cash (Debt)	4,763	639.55	-618.06	2,332	-689.22	2,810
Net Cash Growth	453.63%	-	-	-	-	44.78%
Net Cash Per Share	36.99	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	Sep '26 Sep 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	4,015	887.46	-2,536	2,950	-2,242	1,077
Capital Expenditures	-0.41	-1.54	-1.94	-3	-4.04	-11.52
Free Cash Flow	4,015	885.92	-2,538	2,947	-2,247	1,066
Free Cash Flow Growth	566.00%	-	-	-	-	88.06%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	40.58%	42.64%	23.75%	38.25%	66.93%	68.52%
Pretax Margin	37.59%	38.85%	14.41%	36.41%	62.85%	68.34%
Profit Margin	26.94%	24.70%	0.96%	32.43%	40.51%	40.93%
FCF Margin	1119.61%	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	Nov '26 Nov 4, 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	4.03%	4.44%	3.76%	2.39%	3.59%	3.02%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 4, 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	33.06	30.41	1061.50	40.55	18.59	22.26
P/FCF Ratio	0.80	3.27	-	1.66	-	5.46
PS Ratio	8.90	7.51	10.23	13.15	7.53	9.11