alphavePNBHOUSING₹1,181.00

PNB Housing Finance Ltd.

₹ CrorePeersLICHSGFIN CANFINHOME AAVAS PIRAMALFIN POONAWALLA RBLBANK MANAPPURAM APTUSMcap ₹30,771 Cr

Profitability Growth Credit Liquidity Working Capital Yield Analysis DuPont

Ratios — % unless marked × 12 Months Ending	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/06/2026
Returns
Return on Common Equity	10.07	11.48	11.92	11.92
Return on Assets	2.08	2.35	2.45	2.45
Margins
EBITDA Margin	88.78	92.19	94.50	94.08
Operating Margin	88.06	91.46	93.72	93.72
Incremental Operating Margin	—	130.49	114.33	—
Pretax Margin	27.71	32.43	34.93	34.53
Net Income Margin	21.39	25.26	26.94	26.64
Net Income to Common Margin	21.39	25.26	26.94	—
FCF Margin	-66.68	-105.75	-106.02	-106.02
Additional
Effective Tax Rate	22.82	22.11	22.87	22.86
Dvd Payout Ratio	0.00	0.00	5.68	—
Sustainable Growth Rate	10.07	11.48	11.24	11.92
Incremental Operating Margin %	130.49	114.33	74.00	—

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%.