PNB Housing Finance Limited (NSE:PNBHOUSING)

PNB Housing Finance Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Revenue Revenue Growth	37,734	37,213	32,814	29,897	37,680	21,301
Revenue Growth	9.20%	13.41%	9.76%	-20.66%	76.89%	20.91%
Operating Income Operating Income Growth	28,882	28,577	26,616	19,542	14,873	10,920
Net Income Net Income Growth	23,151	22,912	19,361	15,080	10,460	8,365
Earnings Per Share EPS Growth	88.68	87.80	74.25	58.20	61.95	49.53
EPS Growth	13.15%	18.25%	27.58%	-6.05%	25.08%	-10.37%

Cash & Debt

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Cash & Investments Cash & Investments Growth	28,500	28,500	31,135	42,342	52,577	65,563
Total Debt Total Debt Growth	552,998	552,998	466,853	385,580	375,995	368,334
Net Cash (Debt) Net Cash Growth	-524,498	-524,498	-435,718	-343,237	-323,418	-302,771
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-2009.01	-2009.80	-1670.93	-1324.57	-1915.47	-1792.88

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Operating Cash Flow Operating Cash Flow Growth	-	-89,836	-80,573	-46,615	-18,650	62,543
Capital Expenditures CapEx Growth	-	-330.6	-490.5	-392.9	-148.5	-151.3
Free Cash Flow Free Cash Flow Growth	-	-90,166	-81,064	-47,008	-18,799	62,391
Free Cash Flow Growth	-	-	-	-	-	-5.52%

Margins

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Operating Margin	76.54%	76.79%	81.11%	65.36%	39.47%	51.27%
Pretax Margin	79.53%	79.83%	75.75%	65.36%	36.12%	50.89%
Profit Margin	61.35%	61.57%	59.00%	50.44%	27.76%	39.27%
FCF Margin	-	-242.30%	-247.04%	-157.23%	-49.89%	292.90%

Dividends

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Fiscal Year	Current	FY 2026	FY 2025
Period Ending	Aug 7, 2026	Mar 31, 2026	Mar 31, 2025
Dividend Per Share Dividend Per Share Growth	8.000	8.000	5.000
Dividend Per Share Growth	60.00%	60.00%	-
Dividend Yield	0.70%	1.07%	0.57%

Valuation

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug 7, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
PE Ratio	12.97	8.59	11.83	10.85	8.28	7.60
Forward PE	12.15	8.64	11.10	9.93	7.46	7.20
P/FCF Ratio	-	-	-	-	-	1.02
PS Ratio	7.94	5.29	6.98	5.47	2.30	2.98

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 7, 2026

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