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 Income Statement
Financials in millions BDT. Fiscal year is January - December.
Millions BDT. Fiscal year is Jan - Dec.
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 |
Interest and Dividend Income | 1,877 | 2,046 | 2,017 | 1,531 | 1,523 | 1,684 |
Total Interest Expense | 1,473 | 1,562 | 1,504 | 1,057 | 917.98 | 972.02 |
Net Interest Income | 404.08 | 483.85 | 512.72 | 474.48 | 604.83 | 711.93 |
Commissions and Fees | 0 | 0 | 0 | 0 | 0 | - |
Other Revenue | 8.55 | 9.98 | 11.08 | 9.86 | 15.14 | 15.18 |
Revenue Before Loan Losses | 412.63 | 493.84 | 523.8 | 484.34 | 619.96 | 727.11 |
Provision for Loan Losses | 54.05 | 108.07 | 219.39 | 112.38 | -29.69 | 88.8 |
| 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% |
Salaries & Employee Benefits | 149 | 151.17 | 158.18 | 155.44 | 144.18 | 133.69 |
Cost of Services Provided | 37.43 | 41.09 | 40.12 | 39.01 | 36.44 | 32.91 |
Other Operating Expenses | 16.66 | 16.92 | 18.51 | 19.5 | 16.75 | 14.7 |
Total Operating Expenses | 213.06 | 221.26 | 232.1 | 229.69 | 214.85 | 200.93 |
Operating Income | 145.52 | 164.5 | 72.3 | 142.27 | 434.8 | 437.38 |
EBT Excluding Unusual Items | 128.57 | 151.69 | 72.3 | 133.15 | 425.74 | 426.68 |
Gain (Loss) on Sale of Investments | 9.46 | 1.42 | -22.49 | 5.41 | -16.38 | 1.73 |
Pretax Income | 134.79 | 149.87 | 43.85 | 135.42 | 408.3 | 436.22 |
Income Tax Expense | 38.2 | 54.6 | 40.92 | 14.79 | 145.16 | 174.93 |
Net Income | 96.59 | 95.26 | 2.93 | 120.63 | 263.14 | 261.29 |
Net Income to Common | 96.59 | 95.26 | 2.93 | 120.63 | 263.14 | 261.29 |
Net Income Growth | 477.17% | 3148.38% | -97.57% | -54.16% | 0.71% | -18.70% |
Shares Outstanding (Basic) | 129 | 129 | 117 | 117 | 117 | 117 |
Shares Outstanding (Diluted) | 129 | 129 | 117 | 117 | 117 | 117 |
Shares Change | 2.26% | 10.00% | - | - | - | - |
EPS (Basic) | 0.75 | 0.74 | 0.03 | 1.03 | 2.25 | 2.23 |
EPS (Diluted) | 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% |
Additional Metrics
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 |
Free Cash Flow | 4,015 | 885.92 | -2,538 | 2,947 | -2,247 | 1,066 |
Free Cash Flow Per Share | 31.18 | 6.88 | -21.69 | 25.18 | -19.20 | 9.11 |
Dividend Per Share | 1.000 | 1.000 | 1.000 | 1.000 | 1.500 | 1.500 |
Dividend Growth | 0% | 0% | 0% | -33.33% | 0% | 0% |
Operating Margin | 40.58% | 42.64% | 23.75% | 38.25% | 66.93% | 68.52% |
Profit Margin | 26.94% | 24.70% | 0.96% | 32.43% | 40.51% | 40.93% |
Free Cash Flow Margin | 1119.61% | 229.65% | -833.88% | 792.22% | -345.80% | 166.99% |
Effective Tax Rate | 28.34% | 36.44% | 93.31% | 10.92% | 35.55% | 40.10% |