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

Quarterly Statement	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	2,037	2,082	2,131	2,121	2,172
Expenses	133	145	88	183	52
Operating Profit	1,889	1,931	2,040	1,936	2,130
Operating Profit Margin %	93%	93%	96%	91%	98%
Other Income	15	6	3	2	-10
EBITDA	1,904	1,937	2,043	1,938	2,120
Interest	1,178	1,234	1,267	1,253	1,246
Depreciation	14	15	16	16	19
Profit Before Tax	711	688	760	668	855
Tax %	23%	22%	23%	22%	23%
Net Profit	550	534	582	520	656
EPS	21	21	22	20	25

Yearly Balance Sheet	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Share Capital	169	169	260	260	261
Reserve & Surplus	9,703	10,845	14,715	16,603	18,959
Minority Interest	0	0	0	0	0
Non Current Liabilities	52,911	53,571	51,529	59,013	71,364
Current Liabilities	2,947	2,288	5,902	6,645	2,929
Total Liabilities	65,730	66,874	72,405	82,520	93,512
Fixed Assets	150	146	207	239	280
Capital Work in Progress	4	3	15	16	1
Investments	3,483	3,196	4,346	3,381	0
Other Assets	62,093	63,528	67,837	78,884	0
Total Assets	65,730	66,874	72,405	82,520	93,512

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	8,511	9.07%	2,427	27.6%
FY 2023-24	7,661	8.19%	1,949	44.61%
FY 2022-23	7,024	5.64%	1,527	28.51%
FY 2021-22	6,492	-18.96%	1,056	-11.16%
FY 2020-21	6,146	-10.63%	822	35.6%

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PNB Housing Finance

PNBHOUSING Financials

Income Statement

Balance Sheet

Cash Flow

PNBHOUSING Revenue Growth