National Housing Finance PLC (DSE:NHFIL)

Bangladesh · Delayed Price · Currency is BDT

30.30

-1.10 (-3.50%)

At close: Jul 26, 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	Mar '26 Mar 31, 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	382.8	385.77	304.41	371.96	649.66	638.31
Revenue Growth	36.01%	26.73%	-18.16%	-42.74%	1.78%	-4.69%
Operating Income	165.28	164.5	72.3	142.27	434.8	437.38
Net Income	97.01	95.26	2.93	120.63	263.14	261.29
Earnings Per Share	0.74	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	Mar '26 Mar 31, 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	2,875	1,887	1,459	4,039	1,461	3,697
Total Debt	1,547	1,247	2,077	1,707	2,150	886.4
Net Cash (Debt)	1,328	639.55	-618.06	2,332	-689.22	2,810
Net Cash Growth	169.83%	-	-	-	-	44.78%
Net Cash Per Share	10.08	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	Mar '26 Mar 31, 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	392.59	887.46	-2,536	2,950	-2,242	1,077
Capital Expenditures	-1.43	-1.54	-1.94	-3	-4.04	-11.52
Free Cash Flow	391.16	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	Mar '26 Mar 31, 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	43.18%	42.64%	23.75%	38.25%	66.93%	68.52%
Pretax Margin	40.64%	38.85%	14.41%	36.41%	62.85%	68.34%
Profit Margin	25.34%	24.70%	0.96%	32.43%	40.51%	40.93%
FCF Margin	102.18%	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	Jul '26 Jul 27, 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	3.09%	4.44%	3.76%	2.47%	3.84%	3.35%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 27, 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	41.12	30.41	1061.50	40.55	18.59	22.26
P/FCF Ratio	9.97	3.27	-	1.66	-	5.46
PS Ratio	10.19	7.51	10.23	13.15	7.53	9.11