National Housing Finance PLC (DSE:NHFIL)

National Housing Finance Statistics

Total Valuation

DSE:NHFIL has a market cap or net worth of BDT 3.19 billion.

Market Cap	3.19B
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, October 30, 2025.

Earnings Date	Oct 30, 2025
Ex-Dividend Date	n/a

Share Statistics

DSE:NHFIL has 128.73 million shares outstanding.

Current Share Class	128.73M
Shares Outstanding	128.73M
Shares Change (YoY)	n/a
Shares Change (QoQ)	+1.56%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 173.43.

PE Ratio	173.43
Forward PE	n/a
PS Ratio	10.60
PB Ratio	1.44
P/TBV Ratio	1.44
P/FCF Ratio	5.30
P/OCF Ratio	5.28
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 1.24, with a Debt / Equity ratio of 0.75.

Current Ratio	1.24
Quick Ratio	1.22
Debt / Equity	0.75
Debt / EBITDA	n/a
Debt / FCF	2.77
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 0.76%.

Return on Equity (ROE)	0.76%
Return on Assets (ROA)	0.09%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	1.53M
Profits Per Employee	84,952
Employee Count	187
Asset Turnover	0.02
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:NHFIL has paid 43.44 million in taxes.

Income Tax	43.44M
Effective Tax Rate	72.19%

Stock Price Statistics

The stock price has decreased by -9.12% in the last 52 weeks. The beta is 0.33, so DSE:NHFIL's price volatility has been lower than the market average.

Beta (5Y)	0.33
52-Week Price Change	-9.12%
50-Day Moving Average	25.18
200-Day Moving Average	24.96
Relative Strength Index (RSI)	50.41
Average Volume (20 Days)	715,483

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, DSE:NHFIL had revenue of BDT 301.15 million and earned 16.74 million in profits. Earnings per share was 0.14.

Revenue	301.15M
Gross Profit	292.87M
Operating Income	73.46M
Pretax Income	60.17M
Net Income	16.74M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.14

Balance Sheet

The company has 2.53 billion in cash and 1.67 billion in debt, giving a net cash position of 860.36 million or 6.68 per share.

Cash & Cash Equivalents	2.53B
Total Debt	1.67B
Net Cash	860.36M
Net Cash Per Share	6.68
Equity (Book Value)	2.22B
Book Value Per Share	18.98
Working Capital	3.13B

Cash Flow

In the last 12 months, operating cash flow was 604.68 million and capital expenditures -1.86 million, giving a free cash flow of 602.82 million.

Operating Cash Flow	604.68M
Capital Expenditures	-1.86M
Free Cash Flow	602.82M
FCF Per Share	4.68

Margins

Gross margin is 97.25%, with operating and profit margins of 24.39% and 5.56%.

Gross Margin	97.25%
Operating Margin	24.39%
Pretax Margin	19.98%
Profit Margin	5.56%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	200.17%

Dividends & Yields

This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 4.03%.

Dividend Per Share	1.00
Dividend Yield	4.03%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	4.02%
Earnings Yield	0.52%
FCF Yield	18.88%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 10, 2019. It was a forward split with a ratio of 1.1.

Last Split Date	Apr 10, 2019
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	5