PNB Housing Finance Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	80,712	72,737	67,422	61,991	58,220
Total Interest Expense	50,002	45,402	42,506	38,878	40,558
Net Interest Income	30,709	27,335	24,916	23,113	17,662
Commissions and Fees	3,945	3,643	2,729	2,833	2,626
Gain (Loss) on Sale of Investments	-	273	349.8	341	1,114
Other Revenue	393.7	262.8	70.1	132.3	48
Revenue Before Loan Losses	35,048	31,514	28,065	26,419	21,450
Provision for Loan Losses	-3,862	-1,299	-1,832	-11,261	148.2
Revenue	38,910	32,814	29,897	37,680	21,301
Revenue Growth (YoY)	18.58%	9.76%	-20.66%	76.89%	20.91%
Salaries & Employee Benefits	4,867	4,215	3,373	2,660	2,166
Cost of Services Provided	112.6	667.7	674.7	581.6	485.7
Other Operating Expenses	3,559	2,805	2,258	1,669	1,575
Total Operating Expenses	9,203	6,312	10,355	22,807	10,381
Operating Income	29,706	26,501	19,542	14,873	10,920
EBT Excluding Unusual Items	29,706	26,501	19,542	14,873	10,920
Gain (Loss) on Sale of Investments	-	-1,644	-	-785.5	-
Pretax Income	29,706	24,858	19,539	13,609	10,840
Income Tax Expense	6,794	5,496	4,459	3,149	2,475
Net Income	22,912	19,361	15,080	10,460	8,365
Net Income to Common	22,912	19,361	15,080	10,460	8,365
Net Income Growth	18.34%	28.39%	44.17%	25.05%	-10.05%
Shares Outstanding (Basic)	1,082	260	258	169	169
Shares Outstanding (Diluted)	1,086	261	259	169	169
Shares Change (YoY)	316.43%	0.63%	53.47%	-0.02%	0.36%
EPS (Basic)	21.18	74.52	58.37	62.01	49.64
EPS (Diluted)	21.10	74.25	58.20	61.95	49.53
EPS Growth	-71.58%	27.58%	-6.05%	25.08%	-10.37%
Free Cash Flow	-90,166	-81,064	-47,008	-18,799	62,391
Free Cash Flow Per Share	-83.03	-310.87	-181.41	-111.34	369.45
Dividend Per Share	8.000	5.000	-	-	-
Dividend Growth	60.00%	-	-	-	-
Operating Margin	76.35%	80.76%	65.36%	39.47%	51.27%
Profit Margin	58.89%	59.00%	50.44%	27.76%	39.27%
Free Cash Flow Margin	-231.73%	-247.04%	-157.23%	-49.89%	292.90%
Effective Tax Rate	22.87%	22.11%	22.82%	23.14%	22.83%
Revenue as Reported	85,050	76,916	70,571	65,297	62,007

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.