PNB Housing Finance Ltd
NSE:PNBHOUSING

Watchlist Manager
PNB Housing Finance Ltd Logo
PNB Housing Finance Ltd
NSE:PNBHOUSING
Watchlist
Price: 979.4 INR 6.09% Market Closed
Market Cap: 254.5B INR
Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

0
Revenue
+0%
Growth Rates:
1 Year
+8%
3 Years
+13%
5 Years
-14%
7 Years
+51%
10 Years
+377%
0
Operating Income
+0%
Growth Rates:
1 Year
+7%
3 Years
+9%
5 Years
-19%
7 Years
+56%
10 Years
+386%
0
Net Income
+0%
Growth Rates:
1 Year
+35%
3 Years
+130%
5 Years
+44%
7 Years
+146%
10 Years
+923%

Earnings Waterfall
PNB Housing Finance Ltd

Revenue
74.6B INR
Cost of Revenue
-112.7m INR
Gross Profit
74.5B INR
Operating Expenses
-7.7B INR
Operating Income
66.8B INR
Other Expenses
-48.5B INR
Net Income
18.3B INR

Income Statement
PNB Housing Finance Ltd

Rotate your device to view
Income Statement
Currency: INR
Millions
Ones
Thousands
Millions
Billions
TTM
Quarterly
Annual
TTM
Sep-2014 Dec-2014 Mar-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024
Revenue
Revenue
13 880
N/A
15 648
+13%
17 767
+14%
16 681
-6%
19 192
+15%
26 966
+41%
29 990
+11%
33 260
+11%
36 151
+9%
39 077
+8%
42 050
+8%
45 092
+7%
49 265
+9%
54 887
+11%
59 768
+9%
65 107
+9%
71 723
+10%
76 793
+7%
82 621
+8%
86 835
+5%
86 806
0%
84 818
-2%
81 210
-4%
79 068
-3%
77 187
-2%
76 241
-1%
74 290
-3%
69 999
-6%
66 088
-6%
61 959
-6%
59 198
-4%
60 169
+2%
63 178
+5%
65 273
+3%
68 254
+5%
69 214
+1%
68 808
-1%
70 501
+2%
71 724
+2%
72 717
+1%
74 575
+3%
Gross Profit
Cost of Revenue
0
0
(289)
0
0
(497)
0
0
0
(903)
(236)
(420)
0
(835)
0
(991)
0
(546)
(737)
(608)
(618)
(89)
(65)
(49)
(51)
(116)
(124)
(120)
(142)
(111)
(129)
(137)
(128)
(115)
(116)
(125)
(145)
(123)
(119)
(126)
(113)
Gross Profit
0
N/A
0
N/A
17 478
N/A
0
N/A
0
N/A
26 469
N/A
0
N/A
0
N/A
0
N/A
38 174
N/A
11 365
-70%
23 925
+111%
0
N/A
54 052
N/A
0
N/A
33 473
N/A
0
N/A
76 247
N/A
61 107
-20%
65 452
+7%
86 190
+32%
84 729
-2%
81 147
-4%
79 020
-3%
77 137
-2%
76 125
-1%
74 166
-3%
69 879
-6%
65 946
-6%
61 848
-6%
59 070
-4%
60 032
+2%
63 050
+5%
65 158
+3%
68 138
+5%
69 089
+1%
68 663
-1%
70 377
+2%
71 606
+2%
72 591
+1%
74 462
+3%
Operating Income
Operating Expenses
(1 756)
(1 910)
(1 870)
(2 042)
(2 276)
(2 834)
(3 678)
(3 652)
(4 056)
(2 724)
(4 931)
(5 601)
(6 392)
(6 258)
(7 273)
(6 714)
(8 423)
(7 277)
(4 881)
(4 256)
(3 327)
(17 383)
(5 082)
(4 850)
(4 497)
(4 135)
(4 539)
(4 662)
(4 808)
(4 568)
(4 702)
(4 867)
(4 975)
(5 202)
(5 504)
(5 837)
(6 255)
(6 590)
(6 995)
(7 306)
(7 676)
Selling, General & Administrative
(1 167)
(1 193)
(1 804)
(1 413)
(1 526)
(2 667)
(1 710)
(1 353)
(1 550)
(2 512)
(1 863)
(2 119)
(1 929)
(3 434)
(1 627)
(2 139)
(2 582)
(5 341)
(3 213)
(3 114)
(2 892)
(4 993)
(2 261)
(2 101)
(1 939)
(3 545)
(2 061)
(2 076)
(2 149)
(4 034)
(2 219)
(2 338)
(2 420)
(4 688)
(2 855)
(3 026)
(3 250)
(6 078)
(3 666)
(3 899)
(4 077)
Depreciation & Amortization
(61)
(65)
(52)
(55)
(79)
(150)
(164)
(176)
(181)
(186)
(193)
(200)
(220)
(241)
(258)
(284)
(292)
(314)
(411)
(500)
(605)
(658)
(654)
(632)
(591)
(590)
(558)
(546)
(537)
(534)
(536)
(534)
(528)
(514)
(510)
(492)
(496)
(512)
(519)
(544)
(558)
Other Operating Expenses
(528)
(652)
(14)
(574)
(672)
(17)
(1 805)
(2 125)
(2 327)
(25)
(2 875)
(3 282)
(4 243)
(2 583)
(5 388)
(4 291)
(5 549)
(1 623)
(1 259)
(642)
170
(11 732)
(2 169)
(2 117)
(1 966)
0
(1 920)
(2 040)
(2 121)
0
(1 947)
(1 995)
(2 027)
0
(2 138)
(2 319)
(2 509)
0
(2 810)
(2 862)
(3 042)
Operating Income
12 123
N/A
13 737
+13%
15 608
+14%
14 639
-6%
16 916
+16%
23 635
+40%
26 313
+11%
29 609
+13%
32 095
+8%
35 450
+10%
36 882
+4%
39 070
+6%
42 873
+10%
47 794
+11%
52 495
+10%
57 401
+9%
63 299
+10%
68 970
+9%
77 003
+12%
81 972
+6%
82 862
+1%
67 347
-19%
76 062
+13%
74 169
-2%
72 639
-2%
71 990
-1%
69 627
-3%
65 217
-6%
61 139
-6%
57 281
-6%
54 368
-5%
55 165
+1%
58 075
+5%
59 956
+3%
62 635
+4%
63 252
+1%
62 409
-1%
63 787
+2%
64 611
+1%
65 285
+1%
66 786
+2%
Pre-Tax Income
Interest Income Expense
(10 013)
(11 349)
(12 204)
(11 536)
(12 956)
(17 876)
(20 656)
(23 042)
(24 906)
(25 104)
(27 862)
(29 363)
(31 889)
(35 104)
(38 859)
(42 800)
(47 646)
(51 300)
(55 794)
(58 718)
(59 225)
(58 382)
(57 258)
(55 442)
(53 294)
(50 749)
(48 391)
(45 342)
(42 841)
(40 553)
(38 918)
(38 209)
(38 212)
(38 877)
(40 158)
(41 092)
(41 995)
(42 506)
(43 106)
(43 718)
(44 431)
Non-Reccuring Items
0
0
0
0
0
0
0
0
0
(975)
0
0
0
(87)
0
0
0
0
(3 532)
(5 048)
(6 856)
(558)
(11 623)
(11 903)
(12 662)
(8 885)
(9 464)
(9 086)
(7 814)
(5 842)
(4 651)
(5 665)
(7 441)
(7 383)
(7 512)
(5 528)
(3 048)
(1 705)
(979)
(75)
877
Gain/Loss on Disposition of Assets
0
0
(2)
0
0
(1)
0
0
0
0
0
0
0
(2)
0
0
0
(1)
0
0
0
(6)
0
0
0
(37)
0
0
0
(2)
0
0
0
(2)
0
0
0
(3)
0
0
0
Total Other Income
151
213
(445)
(296)
(443)
(727)
0
1
1
(1 331)
3
3
4
(255)
7
9
15
(325)
54
60
53
(290)
83
137
234
(249)
156
96
0
(44)
0
0
0
(85)
0
0
0
(35)
88
98
111
Pre-Tax Income
2 261
N/A
2 600
+15%
2 958
+14%
2 807
-5%
3 517
+25%
5 031
+43%
5 657
+12%
6 568
+16%
7 189
+9%
8 040
+12%
9 022
+12%
9 709
+8%
10 988
+13%
12 346
+12%
13 645
+11%
14 610
+7%
15 668
+7%
17 344
+11%
17 732
+2%
18 267
+3%
16 834
-8%
8 110
-52%
7 266
-10%
6 962
-4%
6 917
-1%
12 070
+75%
11 928
-1%
10 884
-9%
10 483
-4%
10 840
+3%
10 798
0%
11 290
+5%
12 422
+10%
13 609
+10%
14 965
+10%
16 632
+11%
17 366
+4%
19 539
+13%
20 614
+6%
21 590
+5%
23 344
+8%
Net Income
Tax Provision
(688)
(817)
(997)
(948)
(1 270)
(1 766)
(1 997)
(2 303)
(2 451)
(2 803)
(3 044)
(3 207)
(3 569)
(3 934)
(4 376)
(4 712)
(5 034)
(5 429)
(5 530)
(4 927)
(4 153)
(1 648)
(1 075)
(1 306)
(1 308)
(2 771)
(2 768)
(2 505)
(2 544)
(2 475)
(2 517)
(2 735)
(3 059)
(3 149)
(3 381)
(3 844)
(3 886)
(4 459)
(4 679)
(4 788)
(5 094)
Income from Continuing Operations
1 574
1 785
1 961
1 860
2 246
3 265
3 660
4 265
4 740
5 237
5 980
6 504
7 421
8 412
9 270
9 899
10 634
11 915
12 203
13 341
12 681
6 462
6 189
5 654
5 608
9 299
9 160
8 379
7 940
8 365
8 282
8 556
9 363
10 460
11 584
12 787
13 480
15 080
15 935
16 802
18 250
Net Income (Common)
1 573
N/A
1 784
+13%
1 961
+10%
1 860
-5%
2 246
+21%
3 265
+45%
3 660
+12%
4 265
+17%
4 740
+11%
5 237
+10%
5 980
+14%
6 504
+9%
7 421
+14%
8 412
+13%
9 270
+10%
9 899
+7%
10 634
+7%
11 915
+12%
12 203
+2%
13 341
+9%
12 681
-5%
6 462
-49%
6 189
-4%
5 654
-9%
5 608
-1%
9 299
+66%
9 160
-1%
8 379
-9%
7 940
-5%
8 365
+5%
8 282
-1%
8 556
+3%
9 363
+9%
10 460
+12%
11 584
+11%
12 787
+10%
13 480
+5%
15 080
+12%
15 935
+6%
16 802
+5%
18 250
+9%
EPS (Diluted)
17.67
N/A
20.04
+13%
24.51
+22%
14.64
-40%
17.68
+21%
27.43
+55%
28.59
+4%
33.06
+16%
31.18
-6%
36.11
+16%
35.38
-2%
38.48
+9%
43.91
+14%
50.07
+14%
55.17
+10%
58.57
+6%
62.92
+7%
70.92
+13%
72.63
+2%
78.94
+9%
75.03
-5%
38.46
-49%
36.83
-4%
33.65
-9%
33.38
-1%
45.77
+37%
54.37
+19%
49.58
-9%
46.97
-5%
41.02
-13%
40.63
-1%
41.95
+3%
45.92
+9%
51.31
+12%
45.45
-11%
49.27
+8%
51.78
+5%
58.2
+12%
61.15
+5%
64.48
+5%
69.97
+9%

See Also

Summary
PNBHOUSING intrinsic value, competitors valuation, and company profile.
DCF Valuation
PNBHOUSING stock valuation using Discount Cash Flow valuation method.
Relative Valuation
PNBHOUSING stock valuation using valuation multiples.
Wall Street Estimates
PNBHOUSING price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
PNBHOUSING stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
Discover More
ALPHA SPREAD
Follow us
Join more than 246,400+ value investors using Alpha Spread
Create a free account
or see our plans & pricing

Company

About Us Careers Pricing Affiliate Program Terms of Service Privacy Policy

Help

What is Intrinsic Value? Help Center Contact Us

Tools

Stock Screener Intrinsic Value Calculator DCF Value Calculator Discount Rate Calculator

Stocks

Most Undervalued Stocks Wide Economic Moat Stocks High Profitability Stocks High Solvency Stocks Most Popular Stocks

© 2025 Alpha Spread Limited. All Rights Reserved.

www.alphaspread.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on www.alphaspread.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. In no event shall Alpha Spread Limited be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on www.alphaspread.com, or relating to the use of, or inability to use, www.alphaspread.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance.