PNB Housing Finance Limited (NSE: PNBHOUSING)

PNB Housing Finance Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest and Dividend Income	68,143	67,422	61,991	58,220	71,898	76,882
Total Interest Expense	43,000	42,506	38,878	40,558	50,838	58,382
Net Interest Income	25,143	24,916	23,113	17,662	21,060	18,500
Commissions and Fees	3,165	2,729	2,833	2,626	1,812	2,988
Gain (Loss) on Sale of Investments	349.8	349.8	341	1,114	1,623	-
Other Revenue	155.9	70.1	132.3	48	906.9	5,025
Revenue Before Loan Losses	28,814	28,065	26,419	21,450	25,402	26,513
Provision for Loan Losses	-2,557	-1,832	-11,261	148.2	7,786	-
Revenue	31,371	29,897	37,680	21,301	17,617	26,513
Revenue Growth (YoY)	-20.26%	-20.66%	76.89%	20.91%	-33.55%	3.84%
Salaries & Employee Benefits	3,659	3,373	2,660	2,166	2,113	2,331
Cost of Services Provided	670	674.7	581.6	485.7	392	487.8
Other Operating Expenses	2,369	2,258	1,669	1,575	1,317	13,580
Total Operating Expenses	10,755	10,355	22,807	10,381	5,243	17,839
Operating Income	20,617	19,542	14,873	10,920	12,374	8,674
EBT Excluding Unusual Items	20,617	19,542	14,873	10,920	12,374	8,674
Gain (Loss) on Sale of Investments	-	-	-785.5	-	-	-
Pretax Income	20,614	19,539	13,609	10,840	12,070	8,110
Income Tax Expense	4,679	4,459	3,149	2,475	2,771	1,648
Net Income	15,935	15,080	10,460	8,365	9,299	6,462
Net Income to Common	15,935	15,080	10,460	8,365	9,299	6,462
Net Income Growth	37.57%	44.17%	25.05%	-10.05%	43.89%	-45.76%
Shares Outstanding (Basic)	260	258	169	169	168	168
Shares Outstanding (Diluted)	261	259	169	169	168	168
Shares Change (YoY)	36.89%	53.47%	-0.02%	0.36%	0.01%	-0.08%
EPS (Basic)	61.37	58.37	62.01	49.64	55.29	38.45
EPS (Diluted)	61.16	58.20	61.95	49.53	55.26	38.41
EPS Growth	0.50%	-6.05%	25.08%	-10.37%	43.87%	-45.72%
Free Cash Flow	-	-47,008	-18,799	62,391	66,036	88,648
Free Cash Flow Per Share	-	-181.41	-111.34	369.45	392.44	526.86
Operating Margin	65.72%	65.36%	39.47%	51.26%	70.24%	32.72%
Profit Margin	50.79%	50.44%	27.76%	39.27%	52.78%	24.37%
Free Cash Flow Margin	-	-157.23%	-49.89%	292.90%	374.84%	334.35%
Effective Tax Rate	22.70%	22.82%	23.14%	22.83%	22.96%	20.32%
Revenue as Reported	71,815	70,571	65,297	62,007	76,241	84,896

Source: S&P Capital IQ. Financial Services template. Financial Sources.