PNB Housing Finance Financials - Balance Sheet, Income Statment, Cash Flow

Quarterly Statement	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	1,943	2,037	2,082	2,131	2,121
Expenses	155	133	145	88	183
Operating Profit	1,787	1,889	1,931	2,040	1,936
Operating Profit Margin %	92%	93%	93%	96%	91%
Other Income	1	15	6	3	2
EBITDA	1,788	1,904	1,937	2,043	1,938
Interest	1,158	1,178	1,234	1,267	1,253
Depreciation	14	14	15	16	16
Profit Before Tax	616	711	688	760	668
Tax %	22%	23%	22%	23%	22%
Net Profit	483	550	534	582	520
EPS	19	21	21	22	20

Yearly Balance Sheet	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Share Capital	168	169	169	260	260
Reserve & Surplus	8,755	9,703	10,845	14,715	16,603
Minority Interest	0	0	0	0	0
Non Current Liabilities	58,188	52,911	53,571	51,529	59,013
Current Liabilities	4,282	2,947	2,288	5,902	6,645
Total Liabilities	71,392	65,730	66,874	72,405	82,520
Fixed Assets	181	150	146	207	239
Capital Work in Progress	2	4	3	15	16
Investments	2,045	3,483	3,196	4,346	3,381
Other Assets	69,164	62,093	63,528	67,837	78,884
Total Assets	71,392	65,730	66,874	72,405	82,520

Yearly Cash Flow	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Operating Activities	6,611	6,254	-1,865	-4,662	-8,057
Investing Activities	21	-1,475	176	-1,186	757
Financing Activities	-8,178	-6,732	302	4,179	7,404
Net Cash Flow	-1,546	-1,953	-1,388	-1,669	104

Financial Year	Revenue	Revenue Growth	Net Profit	Profit Growth
FY 2024-25	7,661	8.83%	1,949	27.6%
FY 2023-24	7,024	8.06%	1,527	44.61%
FY 2022-23	6,492	5.69%	1,056	28.51%
FY 2021-22	6,146	-18.82%	822	-11.16%
FY 2020-21	7,584	-10.77%	925	35.6%

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PNB Housing Finance

PNBHOUSING Share Price

PNBHOUSING Financials

Income Statement

Balance Sheet

Cash Flow

PNBHOUSING Revenue Growth