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PNB Housing Finance Limited (IN:PNBHOUSING)
:PNBHOUSING
India Market
PNBHOUSING
PNB Housing Finance Limited
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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 Q2 2026 was ₹0.40. For the 2026 fiscal year, IN:PNBHOUSING's free cash flow was decreased by ₹ and operating cash flow was ₹0.30. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
 132.83 0.21 163.03 121.58 93.19
Quick Ratio
 132.83 0.21 163.03 -28.37 -2.44
Cash Ratio
 131.45 0.20 132.08 125.24 96.27
Solvency Ratio
 0.03 0.03 0.03 0.02 0.02
Operating Cash Flow Ratio
 -169.47 -0.46 -236.15 -61.65 115.09
Short-Term Operating Cash Flow Coverage
 0.00 0.00 -0.28 -0.11 0.46
Net Current Asset Value
₹ -647.52B₹ -620.07B₹ -542.12B₹ -521.82B₹ -507.92B
Leverage Ratios
Debt-to-Assets Ratio
 0.55 0.54 0.52 0.55 0.54
Debt-to-Equity Ratio
 2.61 2.65 2.52 3.34 3.59
Debt-to-Capital Ratio
 0.72 0.73 0.72 0.77 0.78
Long-Term Debt-to-Capital Ratio
 0.72 0.73 0.58 0.65 0.69
Financial Leverage Ratio
 4.77 4.89 4.84 6.07 6.66
Debt Service Coverage Ratio
 0.58 0.44 0.08 0.05 0.05
Interest Coverage Ratio
 0.74 0.55 0.46 0.35 0.27
Debt to Market Cap
 2.08 1.97 1.93 4.21 5.57
Interest Debt Per Share
 1.94K 1.89K 1.62K 2.00K 1.94K
Net Debt to EBITDA
 15.82 16.16 17.50 23.38 26.55
Profitability Margins
Gross Profit Margin
39.66%39.48%39.57%39.53%34.38%
EBIT Margin
33.17%33.13%27.78%21.17%17.54%
EBITDA Margin
33.92%33.88%28.50%21.97%18.40%
Operating Profit Margin
33.17%33.13%27.78%21.17%17.54%
Pretax Profit Margin
34.55%33.13%27.78%21.17%17.54%
Net Profit Margin
26.71%25.81%21.44%16.27%13.53%
Continuous Operations Profit Margin
26.71%25.81%21.44%16.27%13.53%
Net Income Per EBT
77.31%77.89%77.18%76.86%77.17%
EBT Per EBIT
104.17%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
2.55%2.35%2.08%1.56%1.27%
Return on Equity (ROE)
12.94%11.48%10.07%9.50%8.47%
Return on Capital Employed (ROCE)
3.17%3.83%2.70%2.04%1.65%
Return on Invested Capital (ROIC)
2.45%2.99%1.70%5.20%4.48%
Return on Tangible Assets
2.55%2.35%2.08%1.56%1.27%
Earnings Yield
9.68%8.54%7.79%12.08%13.17%
Efficiency Ratios
Receivables Turnover
 259.61 150.14 11.76 8.54 8.83
Payables Turnover
 216.19 258.85 66.21 60.83 41.30
Inventory Turnover
 0.00 0.00 0.00 0.86 0.78
Fixed Asset Turnover
 36.24 34.23 36.05 48.76 46.88
Asset Turnover
 0.10 0.09 0.10 0.10 0.09
Working Capital Turnover Ratio
 5.44 -1.39 2.05 1.48 0.98
Cash Conversion Cycle
 -0.28 1.02 25.52 462.58 500.27
Days of Sales Outstanding
 1.41 2.43 31.04 42.73 41.32
Days of Inventory Outstanding
 0.00 0.00 0.00 425.85 467.80
Days of Payables Outstanding
 1.69 1.41 5.51 6.00 8.84
Operating Cycle
 1.41 2.43 31.04 468.58 509.11
Cash Flow Ratios
Operating Cash Flow Per Share
 -148.55 -310.12 -180.42 -91.54 307.39
Free Cash Flow Per Share
 -149.17 -312.01 -181.94 -92.27 306.65
CapEx Per Share
 0.63 1.89 1.52 0.73 0.74
Free Cash Flow to Operating Cash Flow
 1.00 1.01 1.01 1.01 1.00
Dividend Paid and CapEx Coverage Ratio
 -26.42 -164.27 -118.64 -125.59 413.49
Capital Expenditure Coverage Ratio
 -237.61 -164.27 -118.64 -125.59 413.49
Operating Cash Flow Coverage Ratio
 -0.08 -0.18 -0.12 -0.05 0.18
Operating Cash Flow to Sales Ratio
 -0.47 -1.07 -0.66 -0.29 1.01
Free Cash Flow Yield
-17.22%-35.75%-24.28%-21.72%98.28%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.31 11.71 12.84 8.28 7.59
Price-to-Sales (P/S) Ratio
 2.75 3.02 2.75 1.35 1.03
Price-to-Book (P/B) Ratio
 1.25 1.34 1.29 0.79 0.64
Price-to-Free Cash Flow (P/FCF) Ratio
 -5.80 -2.80 -4.12 -4.60 1.02
Price-to-Operating Cash Flow Ratio
 -5.82 -2.81 -4.15 -4.64 1.02
Price-to-Earnings Growth (PEG) Ratio
 6.22 0.42 0.94 0.33 -0.74
Price-to-Fair Value
 1.25 1.34 1.29 0.79 0.64
Enterprise Value Multiple
 23.94 25.08 27.15 29.51 32.13
Enterprise Value
 664.85B 637.46B 544.39B 416.75B 365.43B
EV to EBITDA
 23.95 25.08 27.15 29.51 32.13
EV to Sales
 8.12 8.50 7.74 6.48 5.91
EV to Free Cash Flow
 -17.10 -7.86 -11.58 -22.17 5.86
EV to Operating Cash Flow
 -17.18 -7.91 -11.68 -22.35 5.84
Tangible Book Value Per Share
 688.32 647.67 578.56 539.76 483.98
Shareholders’ Equity Per Share
 689.68 649.04 579.58 540.60 485.04
Tax and Other Ratios
Effective Tax Rate
 0.23 0.22 0.23 0.23 0.23
Revenue Per Share
 314.05 288.75 272.26 315.55 303.70
Net Income Per Share
 83.89 74.52 58.37 51.34 41.10
Tax Burden
 0.77 0.78 0.77 0.77 0.77
Interest Burden
 1.04 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.02 0.03 <0.01 <0.01 0.01
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 -1.44 -4.16 -3.09 -1.37 5.77
Currency in INR