PNB Housing Finance Ltd

NSE: PNBHOUSING BSE: 540173

₹1082

+19 (1.79%)

Sun, 08 Nov 2026, 06:36 am

MTF 5xInvest in PNB Housing Finance Ltd with 5x Leverage Buy with MTF

Market Cap (in Cr)27641.3

PE Ratio12.03

Dividend0.75

Finance

Finance/Rental/Leasing

24.5K

PNB Housing Finance Balance Sheet

Income Statement Balance Sheet Cashflow

Particulars	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Interest expense on debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Pretax equity in earnings	0	0	0	0	0	0	0	0	—	—	0	—	—	0
Equity in earnings	0	0	0	0	0	0	0	0	—	—	0	—	—	0
Total assets	44.36B	76.57B	115.49B	190.72B	297.39B	430.81B	631.66B	841.15B	791.56B	716.63B	659.67B	671.47B	726.52B	827.56B
Total current assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash and short term investments	3.36B	8.47B	6.65B	16.60B	10.57B	24.70B	30.11B	40.34B	85.14B	69.69B	52.16B	37.96B	26.07B	45.53B
Cash & equivalents	114.23M	622.77M	247.50M	469.24M	1.67B	658.50M	28.17B	40.34B	85.14B	69.69B	50.66B	36.78B	21.43B	21.61B
Short term investments	3.25B	7.85B	6.40B	16.13B	8.90B	24.04B	1.94B	0	0	0	1.50B	1.18B	4.64B	23.92B
Total receivables, net	117.11M	142.24M	168.93M	444.44M	1.30B	2.13B	2.43B	5.49B	7.50B	9.57B	7.00B	7.53B	5.98B	3.78B
Accounts receivable - trade, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other current assets, total	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total non-current assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long term investments	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Note receivable - long term	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investments in unconsolidated subsidiaries	0	0	0	0	0	0	0	0	500.00K	500.00K	500.00K	500.00K	500.00K	500.00K
Other investments	854.63M	1.01B	1.86B	3.25B	9.72B	9.82B	22.19B	45.61B	22.01B	20.45B	37.25B	38.56B	44.81B	24.28B
Net property/plant/equipment	51.44M	176.55M	278.80M	564.03M	522.04M	498.00M	666.40M	821.50M	2.26B	1.60B	1.32B	1.32B	1.95B	2.19B
Gross property/plant/equipment	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Deferred tax assets	150.81M	162.64M	248.44M	372.41M	667.02M	1.22B	1.97B	3.07B	5.12B	7.01B	6.36B	4.19B	3.75B	4.07B
Net intangible assets	—	860.00K	9.61M	12.76M	99.62M	106.30M	186.00M	255.70M	282.50M	232.60M	215.60M	170.90M	263.90M	356.70M
Goodwill, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other intangibles, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other long term assets, total	355.64M	500.25M	379.13M	1.09B	2.20B	3.57B	2.44B	2.65B	2.90B	1.58B	1.93B	3.22B	2.48B	762.70M
Short term debt	11.23B	13.67B	21.63B	53.76B	93.67B	114.13B	140.38B	239.01B	197.85B	154.95B	134.93B	163.31B	164.93B	164.93B
Current portion of LT debt and capital leases	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Short term debt excl. current portion of LT debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Accounts payable	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income tax payable	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long term debt	27.37B	53.28B	79.44B	111.05B	166.46B	240.84B	288.87B	344.63B	324.85B	277.77B	223.45B	204.77B	211.94B	286.18B
Long term debt excl. lease liabilities	27.37B	53.28B	79.44B	111.05B	166.46B	240.84B	288.87B	344.63B	324.85B	277.77B	223.45B	204.77B	211.94B	286.18B
Total equity	4.00B	6.18B	9.34B	15.79B	21.44B	55.77B	65.67B	75.44B	79.98B	89.23B	98.72B	110.14B	149.74B	168.63B
Shareholders' equity	4.00B	6.18B	9.34B	15.79B	21.44B	55.77B	65.67B	75.44B	79.98B	89.23B	98.72B	110.14B	149.74B	168.63B
Common equity, total	4.00B	6.18B	9.34B	15.79B	21.44B	55.77B	65.67B	75.44B	79.98B	89.23B	98.72B	110.14B	149.74B	168.63B
Other common equity	3.62B	4.35B	5.45B	5.97B	6.98B	8.38B	10.70B	6.77B	8.14B	9.94B	12.38B	15.22B	18.09B	21.34B
Total debt	38.60B	66.95B	101.08B	164.81B	260.14B	354.97B	429.25B	583.65B	522.70B	432.72B	358.38B	368.08B	376.87B	451.10B
Net debt	35.24B	58.49B	94.43B	148.21B	249.57B	330.27B	399.14B	543.31B	437.55B	363.04B	306.22B	330.12B	350.80B	405.57B
Change in accounts receivable	—	—	—	—	—	—	76.80M	-385.50M	-60.20M	-400.00K	21.60M	299.70M	-387.50M	12.70M
Change in taxes payable	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Change in accounts payable	15.30M	34.37M	150.15M	350.42M	181.20M	183.20M	274.20M	75.60M	-402.40M	249.60M	-15.30M	139.60M	-105.10M	-22.00M
Change in other assets/liabilities	-8.50B	-29.44B	-37.59B	-69.45B	-102.82B	-114.14B	9.49B	11.24B	-12.97B	-578.70M	632.40M	-5.54B	528.30M	8.50B
Sale of fixed assets & businesses	680.00K	990.00K	6.71M	1.37M	141.18M	600.00K	700.00K	47.00M	12.20M	20.60M	1.30M	1.70M	2.80M	5.70M
Purchase/sale of investments, net	0	0	0	0	0	0	9.17B	-21.44B	24.86B	0	-14.60B	1.90B	-11.47B	8.06B
Sale/maturity of investments	0	0	0	0	0	0	9.17B	0	24.86B	0	—	1.90B	—	8.06B
Purchase of investments	0	0	0	0	0	0	0	-21.44B	0	0	-14.60B	0	-11.47B	0
Other investing cash flow items, total	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Issuance/retirement of debt, net	7.23B	29.73B	34.12B	63.73B	95.33B	94.72B	170.12B	153.64B	-63.00B	-89.32B	-75.65B	7.25B	11.98B	75.96B
Issuance/retirement of long term debt	7.23B	29.73B	34.12B	63.73B	95.33B	94.72B	185.75B	—	—	—	—	—	—	—
Issuance/retirement of short term debt	—	—	—	—	—	—	60.30B	-24.50B	-75.34B	7.09B	-11.25B	0	33.05B	-1.06B
Issuance/retirement of other debt	—	—	—	—	—	—	109.82B	178.14B	12.34B	-96.41B	-64.40B	7.25B	-21.06B	77.02B
Total cash dividends paid	-76.71M	-76.71M	-120.05M	-175.95M	-290.11M	-486.10M	-1.20B	-1.82B	-1.82B	0	0	0	0	0
Other financing cash flow items, total	0	0	0	0	0	28.61B	0	0	0	0	0	0	0	0

Particulars	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Interest expense on debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Pretax equity in earnings	0	0	0	0	0	0	0	0	—	—	0	—	—	0
Equity in earnings	0	0	0	0	0	0	0	0	—	—	0	—	—	0
Total assets	44.36B	76.57B	115.49B	190.72B	297.39B	430.81B	631.66B	841.15B	791.56B	716.63B	659.67B	671.47B	726.52B	827.56B
Total current assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash and short term investments	3.36B	8.47B	6.65B	16.60B	10.57B	24.70B	30.11B	40.34B	85.14B	69.69B	52.16B	37.96B	26.07B	45.53B
Cash & equivalents	114.23M	622.77M	247.50M	469.24M	1.67B	658.50M	28.17B	40.34B	85.14B	69.69B	50.66B	36.78B	21.43B	21.61B
Short term investments	3.25B	7.85B	6.40B	16.13B	8.90B	24.04B	1.94B	0	0	0	1.50B	1.18B	4.64B	23.92B
Total receivables, net	117.11M	142.24M	168.93M	444.44M	1.30B	2.13B	2.43B	5.49B	7.50B	9.57B	7.00B	7.53B	5.98B	3.78B
Accounts receivable - trade, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other current assets, total	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total non-current assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long term investments	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Note receivable - long term	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investments in unconsolidated subsidiaries	0	0	0	0	0	0	0	0	500.00K	500.00K	500.00K	500.00K	500.00K	500.00K
Other investments	854.63M	1.01B	1.86B	3.25B	9.72B	9.82B	22.19B	45.61B	22.01B	20.45B	37.25B	38.56B	44.81B	24.28B
Net property/plant/equipment	51.44M	176.55M	278.80M	564.03M	522.04M	498.00M	666.40M	821.50M	2.26B	1.60B	1.32B	1.32B	1.95B	2.19B
Gross property/plant/equipment	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Deferred tax assets	150.81M	162.64M	248.44M	372.41M	667.02M	1.22B	1.97B	3.07B	5.12B	7.01B	6.36B	4.19B	3.75B	4.07B
Net intangible assets	—	860.00K	9.61M	12.76M	99.62M	106.30M	186.00M	255.70M	282.50M	232.60M	215.60M	170.90M	263.90M	356.70M
Goodwill, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other intangibles, net	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other long term assets, total	355.64M	500.25M	379.13M	1.09B	2.20B	3.57B	2.44B	2.65B	2.90B	1.58B	1.93B	3.22B	2.48B	762.70M
Short term debt	11.23B	13.67B	21.63B	53.76B	93.67B	114.13B	140.38B	239.01B	197.85B	154.95B	134.93B	163.31B	164.93B	164.93B
Current portion of LT debt and capital leases	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Short term debt excl. current portion of LT debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Accounts payable	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income tax payable	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long term debt	27.37B	53.28B	79.44B	111.05B	166.46B	240.84B	288.87B	344.63B	324.85B	277.77B	223.45B	204.77B	211.94B	286.18B
Long term debt excl. lease liabilities	27.37B	53.28B	79.44B	111.05B	166.46B	240.84B	288.87B	344.63B	324.85B	277.77B	223.45B	204.77B	211.94B	286.18B
Total equity	4.00B	6.18B	9.34B	15.79B	21.44B	55.77B	65.67B	75.44B	79.98B	89.23B	98.72B	110.14B	149.74B	168.63B
Shareholders' equity	4.00B	6.18B	9.34B	15.79B	21.44B	55.77B	65.67B	75.44B	79.98B	89.23B	98.72B	110.14B	149.74B	168.63B
Common equity, total	4.00B	6.18B	9.34B	15.79B	21.44B	55.77B	65.67B	75.44B	79.98B	89.23B	98.72B	110.14B	149.74B	168.63B
Other common equity	3.62B	4.35B	5.45B	5.97B	6.98B	8.38B	10.70B	6.77B	8.14B	9.94B	12.38B	15.22B	18.09B	21.34B
Total debt	38.60B	66.95B	101.08B	164.81B	260.14B	354.97B	429.25B	583.65B	522.70B	432.72B	358.38B	368.08B	376.87B	451.10B
Net debt	35.24B	58.49B	94.43B	148.21B	249.57B	330.27B	399.14B	543.31B	437.55B	363.04B	306.22B	330.12B	350.80B	405.57B
Change in accounts receivable	—	—	—	—	—	—	76.80M	-385.50M	-60.20M	-400.00K	21.60M	299.70M	-387.50M	12.70M
Change in taxes payable	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Change in accounts payable	15.30M	34.37M	150.15M	350.42M	181.20M	183.20M	274.20M	75.60M	-402.40M	249.60M	-15.30M	139.60M	-105.10M	-22.00M
Change in other assets/liabilities	-8.50B	-29.44B	-37.59B	-69.45B	-102.82B	-114.14B	9.49B	11.24B	-12.97B	-578.70M	632.40M	-5.54B	528.30M	8.50B
Sale of fixed assets & businesses	680.00K	990.00K	6.71M	1.37M	141.18M	600.00K	700.00K	47.00M	12.20M	20.60M	1.30M	1.70M	2.80M	5.70M
Purchase/sale of investments, net	0	0	0	0	0	0	9.17B	-21.44B	24.86B	0	-14.60B	1.90B	-11.47B	8.06B
Sale/maturity of investments	0	0	0	0	0	0	9.17B	0	24.86B	0	—	1.90B	—	8.06B
Purchase of investments	0	0	0	0	0	0	0	-21.44B	0	0	-14.60B	0	-11.47B	0
Other investing cash flow items, total	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Issuance/retirement of debt, net	7.23B	29.73B	34.12B	63.73B	95.33B	94.72B	170.12B	153.64B	-63.00B	-89.32B	-75.65B	7.25B	11.98B	75.96B
Issuance/retirement of long term debt	7.23B	29.73B	34.12B	63.73B	95.33B	94.72B	185.75B	—	—	—	—	—	—	—
Issuance/retirement of short term debt	—	—	—	—	—	—	60.30B	-24.50B	-75.34B	7.09B	-11.25B	0	33.05B	-1.06B
Issuance/retirement of other debt	—	—	—	—	—	—	109.82B	178.14B	12.34B	-96.41B	-64.40B	7.25B	-21.06B	77.02B
Total cash dividends paid	-76.71M	-76.71M	-120.05M	-175.95M	-290.11M	-486.10M	-1.20B	-1.82B	-1.82B	0	0	0	0	0
Other financing cash flow items, total	0	0	0	0	0	28.61B	0	0	0	0	0	0	0	0