PNB Housing Finance Complete Financial Statements
10 Years of Data
2026 - 2017
In FY2026, PNB Housing Finance (PNBHOUSING) reported revenue ₹2,172 Cr, net profit ₹656 Cr and EPS ₹25.17, with a net profit margin of 30.2% and ROE of 3.4%. Full financial statements from FY2017 to FY2026 (10 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Review PNBHOUSING earnings multiple to evaluate earnings-based valuation against sector peers.
Complete Financial Data Export
Profitability Ratios
Net Profit Margin
30.20%
2026 data
EBITDA Margin
97.61%
2026 data
Operating Margin
98.00%
2026 data
Return on Assets
0.70%
2026 data
Return on Equity
3.41%
2026 data
Balance Sheet Ratios
Current Ratio
0.06
2026 data
Equity Ratio
20.55%
2026 data
Asset Turnover
0.02
2026 data
PNBHOUSING Revenue, Net Profit & EBITDA — Year-on-Year Growth
PNBHOUSING YoY (Mar 2025 vs Mar 2026) — revenue +6.6%, net profit +19.3%, EBITDA +11.3%, expenses -60.9%. For live price, earnings ratios and company overview, see PNBHOUSING share price screener.
Revenue Growth
+6.6%
Year-over-Year
Net Profit Growth
+19.3%
Year-over-Year
EBITDA Growth
+11.3%
Year-over-Year
Expense Growth
-60.9%
Year-over-Year
Assets Growth
+13.3%
Year-over-Year
Equity Growth
+14.0%
Year-over-Year
Operating Cash Flow Growth
-72.8%
Year-over-Year
Investing Cash Flow Growth
+163.8%
Year-over-Year
Financing Cash Flow Growth
+77.2%
Year-over-Year
PNBHOUSING Income Statement — Revenue, EBITDA & Net Profit
PNB Housing Finance revenue ₹2,172 Cr, EBITDA ₹2,120 Cr, net profit ₹656 Cr, EPS ₹25.17 (2026) — net profit margin 30.2%. Explore PNBHOUSING fundamental worth to estimate fundamental worth using multiple valuation models.
Periods
₹ Crores
| Particulars | Mar 2026 | Sept 2025 | Mar 2025 | Jun 2025 | Dec 2025 | Sept 2024 | Mar 2024 | Jun 2024 | Dec 2024 | Sept 2023 | Mar 2023 | Jun 2023 | Dec 2023 | Sept 2022 | Mar 2022 | Jun 2022 | Dec 2022 | Sept 2021 | Mar 2021 | Jun 2021 | Dec 2021 | Sept 2020 | Mar 2020 | Jun 2020 | Dec 2020 | Sept 2019 | Mar 2019 | Jun 2019 | Dec 2019 | Sept 2018 | Mar 2018 | Jun 2018 | Dec 2018 | Sept 2017 | Jun 2017 | Dec 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,172 | 2,131 | 2,037 | 2,082 | 2,121 | 1,880 | 1,814 | 1,832 | 1,943 | 1,779 | 1,638 | 1,708 | 1,756 | 1,683 | 1,426 | 1,412 | 1,797 | 1,586 | 1,834 | 1,693 | 1,496 | 2,022 | 1,952 | 1,872 | 1,896 | 2,230 | 2,148 | 2,233 | 2,075 | 1,808 | 1,638 | 1,648 | 2,079 | 1,274 | 1,160 | 1,416 |
| Expenses | 52 | 88 | 133 | 145 | 183 | 143 | 170 | 168 | 155 | 204 | 275 | 201 | 216 | 366 | 257 | 158 | 421 | 247 | 480 | 262 | 233 | 272 | 885 | 163 | 342 | 266 | 167 | 290 | 297 | 199 | 228 | 167 | 219 | 158 | 159 | 148 |
| EBITDA | 2,120 | 2,043 | 1,904 | 1,937 | 1,938 | 1,737 | 1,644 | 1,665 | 1,788 | 1,576 | 1,363 | 1,507 | 1,540 | 1,318 | 1,169 | 1,254 | 1,376 | 1,339 | 1,354 | 1,431 | 1,263 | 1,750 | 1,067 | 1,709 | 1,554 | 1,964 | 1,982 | 1,943 | 1,777 | 1,609 | 1,410 | 1,482 | 1,859 | 1,116 | 1,001 | 1,268 |
| Operating Profit Margin % | 98.00% | 96.00% | 93.00% | 93.00% | 91.00% | 92.00% | 91.00% | 91.00% | 92.00% | 89.00% | 83.00% | 88.00% | 88.00% | 78.00% | 82.00% | 89.00% | 77.00% | 84.00% | 74.00% | 85.00% | 84.00% | 87.00% | 55.00% | 91.00% | 82.00% | 88.00% | 92.00% | 87.00% | 86.00% | 89.00% | 86.00% | 90.00% | 89.00% | 88.00% | 86.00% | 90.00% |
| Depreciation | 19 | 16 | 14 | 15 | 16 | 14 | 14 | 13 | 14 | 11 | 13 | 13 | 13 | 13 | 14 | 13 | 13 | 13 | 14 | 13 | 13 | 15 | 15 | 16 | 14 | 17 | 9 | 16 | 18 | 8 | 7 | 7 | 8 | 5 | 5 | 7 |
| Interest | 1,246 | 1,267 | 1,178 | 1,234 | 1,253 | 1,119 | 1,070 | 1,097 | 1,158 | 1,057 | 1,008 | 1,048 | 1,087 | 964 | 931 | 930 | 996 | 1,035 | 1,151 | 1,103 | 996 | 1,340 | 1,380 | 1,364 | 1,246 | 1,521 | 1,428 | 1,513 | 1,461 | 1,229 | 1,026 | 1,100 | 1,410 | 835 | 751 | 926 |
| Profit Before Tax | 855 | 760 | 711 | 688 | 668 | 605 | 560 | 554 | 616 | 507 | 343 | 447 | 440 | 340 | 224 | 311 | 367 | 291 | 188 | 315 | 254 | 396 | -327 | 330 | 294 | 426 | 545 | 414 | 298 | 373 | 377 | 375 | 442 | 276 | 245 | 336 |
| Tax | 199 | 178 | 161 | 154 | 148 | 135 | 121 | 121 | 132 | 124 | 63 | 99 | 102 | 78 | 54 | 76 | 98 | 56 | 61 | 72 | 65 | 82 | -85 | 72 | 61 | 59 | 165 | 130 | 61 | 120 | 125 | 120 | 139 | 86 | 75 | 106 |
| Net Profit | 656 | 582 | 550 | 534 | 520 | 470 | 439 | 433 | 483 | 383 | 279 | 347 | 338 | 263 | 170 | 235 | 269 | 235 | 127 | 243 | 188 | 313 | -242 | 257 | 232 | 367 | 380 | 285 | 237 | 253 | 253 | 256 | 303 | 190 | 170 | 230 |
| Earnings Per Share (₹) | 25.17 | 22.34 | 21.18 | 20.52 | 19.97 | 18.08 | 16.91 | 16.66 | 18.60 | 14.76 | 16.52 | 13.64 | 13.04 | 15.57 | 10.06 | 13.94 | 15.95 | 13.96 | 7.55 | 14.45 | 11.18 | 18.63 | -14.39 | 15.29 | 13.82 | 21.82 | 22.68 | 16.95 | 14.10 | 15.11 | 15.16 | 15.31 | 18.09 | 11.41 | 10.21 | 13.77 |
PNBHOUSING Balance Sheet — Assets, Liabilities & Shareholders' Equity
PNBHOUSING total assets ₹93,512 Cr, total equity ₹19,219 Cr, total liabilities ₹ Cr (2026) — ROE 3.4%.
Years
Annual Data
₹ Crores
| Particulars | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||
| Total Assets | 93,512 | 82,520 | 72,405 | 66,874 | 65,730 | 71,392 | 78,930 | 83,869 | 63,015 |
| Current Assets | 3,945 | 4,068 | 3,601 | 5,543 | 6,358 | 8,089 | 9,685 | 4,851 | 3,305 |
| Fixed Assets | 280 | 239 | 207 | 146 | 150 | 181 | 251 | 103 | 76 |
| Capital Work in Progress | 1 | 16 | 15 | 3 | 4 | 2 | 4 | 5 | 10 |
| Investments | 0 | 3,381 | 4,346 | 3,196 | 3,483 | 2,045 | 2,076 | 4,561 | 2,413 |
| Other Assets | 0 | 78,884 | 67,837 | 63,528 | 62,093 | 69,164 | 76,599 | 79,200 | 60,516 |
| LIABILITIES | |||||||||
| Total Liabilities | |||||||||
| Current Liabilities | 71,364 | 59,013 | 51,529 | 53,571 | 52,911 | 58,188 | 66,633 | 61,587 | 42,070 |
| Non-Current Liabilities | |||||||||
| SHAREHOLDERS' EQUITY | |||||||||
| Total Equity | 19,219 | 16,863 | 14,974 | 11,014 | 9,872 | 8,923 | 7,998 | 7,544 | 6,567 |
| Share Capital | 261 | 260 | 260 | 169 | 169 | 168 | 168 | 168 | 167 |
| Reserves & Surplus | 18,959 | 16,603 | 14,715 | 10,845 | 9,703 | 8,755 | 7,830 | 7,376 | 6,401 |
PNBHOUSING Cash Flow Statement — Operating, Investing & Financing
PNB Housing Finance operating cash flow ₹-8,057 Cr, investing ₹757 Cr, financing ₹7,404 Cr, net cash flow ₹104 Cr (2025).
Periods
₹ Crores
| Particulars | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 | March 2018 |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | -8,057 | -4,662 | -1,865 | 6,254 | 6,611 | 8,929 | -16,617 | -15,664 |
| Investing Activities | 757 | -1,186 | 176 | -1,475 | 21 | -63 | -54 | -50 |
| Financing Activities | 7,404 | 4,179 | 302 | -6,732 | -8,178 | -4,386 | 17,888 | 18,464 |
| Net Cash Flow | 104 | -1,669 | -1,388 | -1,953 | -1,546 | 4,480 | 1,217 | 2,751 |