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PNB Housing Finance Ltd

NSE:PNBHOUSINGFinancial ServicesNSE:CNX500NSE:CNXSMALLCAP

₹1,147.90−1.70%At closeAt close · Mon 19 Oct · ≈ AED 44.29 · Market cap $3.2B · Next earnings Wed 28 Oct

Ratio	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	Current · undated	YoY
Gross margin	33.1%	34.4%	39.5%	39.6%	39.5%	39.5%	—	—
Operating margin	15.9%	17.5%	21.2%	27.8%	33.1%	30.4%	30.4%	+0.0 pts
Net margin	12.2%	13.5%	16.3%	21.4%	25.8%	26.9%	26.9%	+0.0 pts
EBITDA margin	16.7%	18.4%	22.0%	28.5%	33.9%	35.7%	—	—
Return on equity	10.4%	8.5%	9.5%	10.1%	11.5%	11.9%	11.9%	+0.0 pts
Return on assets	1.3%	1.3%	1.6%	2.1%	2.3%	2.5%	2.5%	+0.0 pts
Return on capital employed	1.7%	1.7%	2.0%	2.7%	3.8%	3.5%	—	—
Debt / equity	4.8×	3.6×	3.3×	2.5×	2.6×	2.8×	2.8×	+0.0%
Debt / assets	60.6%	53.9%	55.0%	52.1%	54.1%	56.8%	—	—
Interest coverage	0.2×	0.3×	0.4×	0.5×	0.5×	0.5×	—	—
Current ratio	21.5×	93.2×	121.6×	163.0×	0.2×	0.2×	0.2×	+0.0%
Quick ratio	21.5×	−2.4×	−28.4×	163.0×	0.2×	0.2×	—	—
Cash ratio	18.9×	96.3×	125.2×	132.1×	0.2×	0.2×	0.2×	+0.0%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Inventory turnover	—	0.8×	0.9×	—	—	—	—	—
Receivables turnover	7.9×	8.8×	8.5×	11.8×	150.1×	408.3×	—	—
Dividend payout	0.0%	0.0%	0.0%	0.0%	0.0%	5.7%	—	—