PNBHOUSING1,181.00

PNB Housing Finance Ltd.

· Banking & Finance
₹ CrorePeersLICHSGFINCANFINHOMEAAVASPIRAMALFINPOONAWALLARBLBANKMANAPPURAMAPTUSMcap ₹30,771 Cr
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In ₹ Crore except Per Share
12 Months Ending
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Last 12M
30/06/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation51.255.966.5
+ Impairment Loss / (Reversal)171.1288.9-198.8
+ Finance Costs4,253.94,541.24,988.0
+ Fair Value (Gains) / Losses-16.1-13.41.4
+ Share-based Payments14.517.721.9
+ Other Non-cash Items144.989.4-55.0
+ Other — Cash Effects are Investing / Financing39.06.18.8
Changes in Working Capital
+ Trade Receivables — Current-38.81.33.1
+ Other Financial Assets — Current0.00.0-1.8
+ Other Financial Assets — Non-current6.511.90.0
+ Other Current Assets-6,392.4-10,530.5-11,590.0
+ Other Non-current Assets2.3-11.813.1
+ Other Bank Balances-346.4-975.0583.6
+ Trade Payables — Current-10.5-2.2-3.0
+ Other Financial Liabilities — Current75.5808.6-80.4
+ Other Current Liabilities-33.439.8-68.0
+ Provisions — Current1.91.714.5
Cash from Operating Activities
Profit Before Tax (per I/S)1,953.92,485.82,970.63,001.1
+ Total Adjustments (incl. Working Capital)-2,076.6-5,670.5-6,296.3
Cash from Operations (pre-tax)-122.7-3,184.7-3,325.6
+ Interest Paid — Operating4,181.14,478.25,089.8
+ Income Taxes Paid357.7394.4568.1
Cash from Operating Activities-4,661.5-8,057.3-8,983.6
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)39.349.133.1
+ Disp of Fixed Assets0.00.00.8
+ Acq of Investment Property1,147.1-805.6-716.6
+ Disp of Investment Property0.30.60.0
Cash from Investing Activities-1,186.1757.1684.3
Cash from Financing Activities
+ Proceeds from Issue of Shares2,468.40.00.0
+ Proceeds from Other Equity Instruments0.07.028.4
+ Proceeds from Debentures / Notes / Bonds1,451.02,230.02,325.0
+ Proceeds from Borrowings32,485.250,712.250,278.9
+ Repayment of Borrowings32,192.745,507.843,736.0
+ Payment of Lease Liabilities33.337.646.3
+ Dividends Paid0.00.0130.2
Cash from Financing Activities4,178.67,403.98,719.8
Net Changes in Cash (pre-FX)-1,669.0103.6420.6
Net Changes in Cash-1,669.0103.6420.6
Closing Cash1,958.9
Reference Items
EBITDA6,259.27,066.88,036.88,177.1
EBITDA Margin %88.7892.1994.5094.08
Free Cash Flow (CFO − Capex)-4,700.8-8,106.4-9,016.6-9,016.6
Free Cash Flow per Basic Share-180.42-311.13-346.06-346.06
Cash Flow to Net Income-3.09-4.16-3.92
Cash Paid for Taxes357.7394.4568.1
As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreementXBRL cross-verified ✓ 95%.