PNB Housing Finance profitability ratios

Profitability Growth Credit Liquidity Working capital Dividend yield DuPont CAGR

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	12.7%	12.7%	12.2%	11.6%	10.0%
	2.6%	2.6%	2.5%	2.2%	1.6%
	3.5%	3.5%	3.5%	3.6%	3.4%
	25.9%	25.9%	25.5%	23.6%	21.6%
	−0.5%	−0.5%	−0.2%	0.3%	1.2%
	26.1%	26.9%	25.3%	21.4%	16.0%
Leverage
	4.87×	4.87×	4.89×	4.84×	6.07×
	3.70×	3.70×	3.70×	3.67×	4.87×
Additional
	22.6%	22.9%	22.1%	22.8%	23.1%
	—	5.7%	0.0%	0.0%	0.0%

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From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

PNBHOUSING₹1,110.00

PNB Housing Finance Ltd.

· Banking & Finance

₹ CrorePeersLICHSGFIN CANFINHOME AAVAS PIRAMALFIN POONAWALLA RBLBANK MANAPPURAM APTUSMcap ₹28,921 Cr

Profitability Growth Credit Liquidity Working Capital Yield Analysis DuPont

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	10.02	11.61	12.16	12.70	12.70
Return on Assets	1.56	2.17	2.50	2.60	2.60
Margins & Efficiency
Net Interest Margin (on avg assets)	3.44	3.56	3.51	3.49	3.49
Cost to Income	21.57	23.56	25.45	25.94	25.94
Credit Cost (impairment / avg loans)	1.22	0.28	-0.23	-0.48	-0.48
Net Income Margin	16.02	21.39	25.26	26.94	26.15
Leverage
Leverage (Assets/Equity)	6.07	4.84	4.89	4.87	4.87
Total Debt/Equity	4.87	3.67	3.70	3.70	3.70
Additional
Effective Tax Rate	23.14	22.82	22.11	22.87	22.65
Dvd Payout Ratio	0.00	0.00	0.00	5.68	—

No consensus estimates → no Est columns. Click any row to chart it.

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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 agreement — XBRL cross-verified ✓ 95%.