X 
Financials Ratios
Home | Market Info | Company Profile | Financials Ratios
PNB Housing Finance Ltd.
BSE CODE: 540173   |   NSE CODE: PNBHOUSING   |   ISIN CODE : INE572E01012   |   18-Sep-2025 10:57 Hrs IST
BSE NSE
Rs. 845.60
4.85 ( 0.58% )
 
Prev Close ( Rs.)
840.75
Open ( Rs.)
846.20
 
High ( Rs.)
849.70
Low ( Rs.)
843.15
 
Volume
51927
Week Avg.Volume
59422
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 846.25
5.65 ( 0.67% )
 
Prev Close ( Rs.)
840.60
Open ( Rs.)
848.00
 
High ( Rs.)
849.80
Low ( Rs.)
843.20
 
Volume
617129
Week Avg.Volume
1499959
 
52 WK High-Low Range(Rs.)
746.7
1141.9
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Operational & Financial Ratios          
   Earnings Per Share (Rs)74.98  58.81  62.55  48.75  54.98  
   CEPS(Rs)77.12  60.77  54.30  42.97  48.42  
   DPS(Rs)5.00  0.00  0.00  0.00  0.00  
   Book NAV/Share(Rs)645.66  573.15  645.64  578.00  522.61  
   Tax Rate(%)21.91  22.53  22.72  22.66  22.04  
Margin Ratios          
   Core EBITDA Margin(%)91.00  86.88  64.57  84.30  83.64  
   EBIT Margin(%)92.35  88.91  81.16  83.52  83.11  
   Pre Tax Margin(%)32.70  28.11  21.06  17.31  15.69  
   PAT Margin (%)25.53  21.78  16.27  13.38  12.23  
   Cash Profit Margin (%)26.26  22.50  17.06  14.25  13.01  
Performance Ratios          
   ROA(%)2.50  2.19  1.60  1.20  1.24  
   ROE(%)12.31  11.85  10.23  8.87  11.10  
   ROCE(%)9.46  9.27  8.27  7.83  8.74  
   Asset Turnover(x)0.10  0.10  0.10  0.09  0.10  
   Sales/Fixed Asset(x)16.46  16.73  17.05  17.50  21.48  
   Working Capital/Sales(x)-0.36  -0.35  -2.77  -2.43  -2.23  
Efficiency Ratios          
   Fixed Capital/Sales(x)0.06  0.06  0.06  0.06  0.05  
   Receivable days2.44  1.36  1.10  1.61  0.50  
   Inventory Days0.00  0.00  0.00  0.00  0.00  
   Payable days0  0  0  0  0  
Valuation Parameters          
   PER(x)11.76  10.70  8.21  7.73  6.81  
   PCE(x)11.43  10.35  7.83  7.26  6.40  
   Price/Book(x)1.37  1.10  0.80  0.65  0.72  
   Yield(%)0.57  0.00  0.00  0.00  0.00  
   EV/Net Sales(x)10.71  9.82  9.03  8.83  7.77  
   EV/Core EBITDA(x)11.51  10.95  11.02  10.46  9.26  
   EV/EBIT(x)11.60  11.04  11.12  10.57  9.35  
   EV/CE(x)1.03  0.98  0.91  0.86  0.86  
   M Cap / Sales3.00  2.33  1.34  1.03  0.83  
Growth Ratio          
   Net Sales Growth(%)8.83  8.06  5.69  -18.82  -10.77  
   Core EBITDA Growth(%)13.00  18.20  2.64  -18.34  -6.21  
   EBIT Growth(%)13.03  18.38  2.71  -18.43  -6.17  
   PAT Growth(%)27.60  44.61  28.51  -11.16  35.60  
   EPS Growth(%)27.49  -5.98  28.31  -11.34  35.54  
Financial Stability Ratios          
   Total Debt/Equity(x)3.71  3.70  4.92  5.43  6.75  
   Current Ratio(x)0.18  0.19  0.73  0.75  0.70  
   Quick Ratio(x)0.18  0.19  0.84  0.87  0.76  
   Interest Cover(x)1.55  1.46  1.35  1.26  1.23  
   Total Debt/Mcap(x)2.72  3.37  6.19  8.34  9.43