PNB Housing Finance Limited (NSE:PNBHOUSING)

PNB Housing Finance Cash Flow Statement

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

Fiscal Year	FY 2025	FY	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2025	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Net Income	19,361	-	15,080	10,460	8,365
Depreciation & Amortization	484.9	-	434.6	435.4	448
Other Amortization	74	-	77.3	79	85.9
Loss (Gain) From Sale of Investments	457.3	-	-1,889	-10,393	104.4
Provision for Credit Losses	4,647	-	6,304	16,538	7,942
Stock-Based Compensation	176.8	-	144.6	119.5	36.7
Change in Accounts Payable	-22	-	-105.1	139.6	-15.3
Change in Other Net Operating Assets	-106,541	-	-68,235	-35,733	49,017
Other Operating Activities	784.8	-	1,571	-775	-3,521
Operating Cash Flow	-80,573	-	-46,615	-18,650	62,543
Operating Cash Flow Growth	-	-	-	-	-5.40%
Capital Expenditures	-490.5	-	-392.9	-148.5	-151.3
Sale of Property, Plant & Equipment	5.7	-	2.8	1.7	1.3
Investment in Securities	8,056	-	-11,471	1,905	-14,600
Investing Cash Flow	7,571	-	-11,861	1,758	-14,750
Short-Term Debt Issued	150,444	-	100,547	500	-
Long-Term Debt Issued	378,979	-	233,365	179,217	201,033
Total Debt Issued	529,423	-	333,912	179,717	201,033
Short-Term Debt Repaid	-151,500	-	-67,500	-500	-11,250
Long-Term Debt Repaid	-302,335	-	-254,760	-172,327	-266,248
Total Debt Repaid	-453,835	-	-322,260	-172,827	-277,498
Net Debt Issued (Repaid)	75,587	-	11,652	6,891	-76,466
Issuance of Common Stock	69.7	-	24,686	72.1	111.5
Other Financing Activities	-1,618	-	5,448	-3,948	9,032
Financing Cash Flow	74,039	-	41,786	3,015	-67,322
Net Cash Flow	1,036	-	-16,690	-13,878	-19,530
Free Cash Flow	-81,064	-	-47,008	-18,799	62,391
Free Cash Flow Growth	-	-	-	-	-5.52%
Free Cash Flow Margin	-247.04%	-	-157.23%	-49.89%	292.90%
Free Cash Flow Per Share	-310.87	-	-181.41	-111.34	369.45
Cash Interest Paid	44,782	-	41,811	39,799	44,040
Cash Income Tax Paid	3,944	-	3,577	3,043	3,597

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.