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PNB Housing Finance Limited (IN:PNBHOUSING)
:PNBHOUSING
India Market
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PNB Housing Finance Limited (PNBHOUSING) Ratios

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PNB Housing Finance Limited Ratios

IN:PNBHOUSING's free cash flow for Q4 2025 was ₹1.00. For the 2025 fiscal year, IN:PNBHOUSING's free cash flow was decreased by ₹ and operating cash flow was ₹0.70. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.21 163.03 0.18 121.58 93.19
Quick Ratio
0.21 163.03 0.18 -28.37 -2.44
Cash Ratio
0.20 108.52 0.15 125.49 96.27
Solvency Ratio
0.03 0.03 0.03 0.06 0.06
Operating Cash Flow Ratio
0.00 -236.15 -0.26 -61.65 115.09
Short-Term Operating Cash Flow Coverage
0.00 -0.28 0.00 0.00 0.00
Net Current Asset Value
₹ -620.07B₹ -542.12B₹ -542.12B₹ -521.82B₹ -507.92B
Leverage Ratios
Debt-to-Assets Ratio
0.54 0.52 0.51 0.54 0.54
Debt-to-Equity Ratio
2.65 2.52 2.49 3.31 3.59
Debt-to-Capital Ratio
0.73 0.72 0.71 0.77 0.78
Long-Term Debt-to-Capital Ratio
0.73 0.58 0.71 0.00 0.00
Financial Leverage Ratio
4.89 4.84 4.84 6.07 6.66
Debt Service Coverage Ratio
0.29 0.22 1.06 -0.08 -0.06
Interest Coverage Ratio
0.53 1.15 0.46 0.34 0.25
Debt to Market Cap
1.94 1.94 1.93 0.00 0.00
Interest Debt Per Share
1.90K 1.62K 1.61K 1.98K 1.94K
Net Debt to EBITDA
21.21 7.17 6.99 0.00 0.00
Profitability Margins
Gross Profit Margin
49.20%39.51%49.89%46.97%35.05%
EBIT Margin
27.55%69.68%176.35%-1.96%-2.51%
EBITDA Margin
28.38%70.41%178.19%0.00%0.00%
Operating Profit Margin
36.25%69.68%70.20%49.99%48.49%
Pretax Profit Margin
38.40%27.74%70.19%51.95%51.01%
Net Profit Margin
29.86%21.41%54.17%39.93%39.36%
Continuous Operations Profit Margin
29.86%21.41%54.17%39.93%39.36%
Net Income Per EBT
77.76%77.18%77.18%76.86%77.17%
EBT Per EBIT
105.93%39.80%99.99%103.93%105.18%
Return on Assets (ROA)
2.47%2.08%2.08%1.56%1.27%
Return on Equity (ROE)
12.82%10.07%10.07%9.50%8.47%
Return on Capital Employed (ROCE)
3.81%6.78%3.58%1.96%1.57%
Return on Invested Capital (ROIC)
2.96%4.26%2.76%26.51%15.40%
Return on Tangible Assets
2.47%2.08%2.08%1.56%1.27%
Earnings Yield
7.94%7.79%7.79%12.08%10.91%
Efficiency Ratios
Receivables Turnover
136.52 11.78 4.65 0.00 0.00
Payables Turnover
200.16 66.37 21.73 21.74 14.06
Inventory Turnover
0.00 0.00 0.00 0.31 0.27
Fixed Asset Turnover
31.13 36.10 14.27 19.87 16.12
Asset Turnover
0.08 0.10 0.04 0.04 0.03
Working Capital Turnover Ratio
-0.97 2.06 -0.51 0.61 0.37
Cash Conversion Cycle
0.85 25.49 61.63 1.18K 1.35K
Days of Sales Outstanding
2.67 30.99 78.43 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 1.19K 1.37K
Days of Payables Outstanding
1.82 5.50 16.80 16.79 25.97
Operating Cycle
2.67 30.99 78.43 1.19K 1.37K
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 -180.42 -180.42 -91.54 307.39
Free Cash Flow Per Share
0.00 -181.94 -181.94 -92.27 306.65
CapEx Per Share
0.00 1.52 1.52 0.73 0.74
Free Cash Flow to Operating Cash Flow
0.00 1.01 1.01 1.01 1.00
Dividend Paid and CapEx Coverage Ratio
0.00 -118.64 -118.64 -125.59 413.49
Capital Expenditure Coverage Ratio
0.00 -118.64 -118.64 -125.59 413.49
Operating Cash Flow Coverage Ratio
0.00 -0.12 -0.13 -0.05 0.18
Operating Cash Flow to Sales Ratio
0.00 -0.66 -1.67 -0.71 2.94
Free Cash Flow Yield
0.00%-24.28%-24.28%-21.71%81.37%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
11.27 12.84 12.84 8.28 9.17
Price-to-Sales (P/S) Ratio
3.37 2.75 6.95 3.31 3.61
Price-to-Book (P/B) Ratio
1.36 1.29 1.29 0.79 0.78
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 -4.12 -4.12 -4.61 1.23
Price-to-Operating Cash Flow Ratio
0.00 -4.15 -4.15 -4.64 1.23
Price-to-Earnings Growth (PEG) Ratio
2.18 0.94 0.94 0.33 -0.90
Price-to-Fair Value
1.36 1.29 1.29 0.79 0.78
Enterprise Value Multiple
33.07 11.07 10.89 0.00 0.00
Enterprise Value
667.22B 549.04B 540.11B 412.70B 378.63B
EV to EBITDA
34.46 11.07 10.89 0.00 0.00
EV to Sales
9.78 7.79 19.40 15.75 17.82
EV to Free Cash Flow
0.00 -11.68 -11.49 -21.95 6.07
EV to Operating Cash Flow
0.00 -11.78 -11.59 -22.13 6.05
Tangible Book Value Per Share
647.23 578.56 578.56 519.20 452.72
Shareholders’ Equity Per Share
648.61 579.58 579.58 540.60 485.04
Tax and Other Ratios
Effective Tax Rate
0.22 0.23 0.23 0.23 0.23
Revenue Per Share
262.38 272.66 107.74 128.58 104.42
Net Income Per Share
78.34 58.37 58.37 51.34 41.10
Tax Burden
0.78 0.77 0.77 0.77 0.77
Interest Burden
1.39 0.40 0.40 -26.46 -20.30
Research & Development to Revenue
0.00 0.00 0.00 <0.01 <0.01
SG&A to Revenue
0.00 <0.01 0.02 0.04 0.04
Stock-Based Compensation to Revenue
0.00 <0.01 <0.01 <0.01 <0.01
Income Quality
0.00 -3.09 -3.09 -1.37 5.77
Currency in INR
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