PNB Housing Finance Ratios and Metrics

Market cap in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	Current	FY 2025	FY	FY 2024	FY 2023	FY 2022
Period Ending	Feb '26 Feb 18, 2026	Mar '25 Mar 31, 2025	Dec '24 Dec 31, 2024	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Market Capitalization	224,988	229,124	228,075	163,587	86,648	63,536
Market Cap Growth	-0.61%	0.46%	39.42%	88.79%	36.38%	0.72%
PE Ratio	10.31	11.83	-	10.85	8.28	7.60
PS Ratio	6.09	6.98	-	5.47	2.30	2.98
PB Ratio	1.25	1.36	-	1.09	0.79	0.64
P/FCF Ratio	-	-	-	-	-	1.02
P/OCF Ratio	-	-	-	-	-	1.02
Debt / Equity Ratio	2.62	2.80	-	2.60	3.41	3.73
Debt / FCF Ratio	-	-	-	-	-	5.90
Net Debt / Equity Ratio	2.45	2.62	-	2.32	2.94	3.07
Net Debt / FCF Ratio	-	-5.44	-	-7.37	-17.20	4.85
Quick Ratio	-	2.13	-	1.92	1.82	1.87
Current Ratio	-	2.17	-	1.93	1.83	1.88
Asset Turnover	-	0.04	-	0.04	0.06	0.03
Return on Equity (ROE)	-	12.16%	-	11.61%	10.02%	8.90%
Return on Assets (ROA)	-	2.50%	-	2.17%	1.58%	1.22%
Return on Invested Capital (ROIC)	3.56%	3.22%	-	2.94%	2.40%	1.69%
Earnings Yield	9.72%	8.45%	-	9.22%	12.07%	13.16%
FCF Yield	-	-35.38%	-	-28.74%	-21.70%	98.20%
Dividend Yield	0.58%	0.57%	-	-	-	-
Buyback Yield / Dilution	-0.04%	-	-	-53.47%	0.02%	-0.36%
Total Shareholder Return	0.55%	0.57%	-	-53.47%	0.02%	-0.36%

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