PNB Housing Finance Ltd. Company Financial Ratios Analysis

(Rs in Cr.)	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022

PER SHARE RATIOS
Adjusted EPS (Rs.)	89.34	74.98	58.81	62.65	48.75
Adjusted Cash EPS (Rs.)	91.88	77.13	60.77	65.69	51.90
Reported EPS (Rs.)	89.34	74.98	58.81	62.65	48.75
Reported Cash EPS (Rs.)	91.88	77.13	60.77	65.69	51.90
Dividend Per Share	8.00	5.00	0.00	0.00	0.00
Operating Profit Per Share (Rs.)	309.67	272.22	241.60	315.29	307.05
Book Value (Excl Rev Res) Per Share (Rs.)	737.89	647.64	574.93	649.61	578.00
Book Value (Incl Rev Res) Per Share (Rs.)	737.89	647.64	574.93	649.61	578.00
Net Operating Income Per Share (Rs.)	326.66	293.65	270.05	384.97	364.24
Free Reserves Per Share (Rs.)	0.00	0.00	0.00	0.00	0.00

PROFITABILITY RATIOS
Operating Margin (%)	94.79	92.70	89.46	81.90	84.29
Adjusted Cash Margin (%)	28.11	26.16	22.47	17.05	14.23
Adjusted Return On Net Worth (%)	12.10	11.57	10.22	9.64	8.43
Reported Return On Net Worth (%)	12.10	11.57	10.22	9.64	8.43
Return On long Term Funds (%)	41.63	16.17	15.10	15.76	14.63

LEVERAGE RATIOS
Long Term Debt / Equity	0.00	1.59	1.76	2.05	2.60
Owners fund as % of total Source	21.26	21.26	21.34	16.96	15.52
Fixed Assets Turnover Ratio	0.10	0.10	0.10	0.10	0.09

LIQUIDITY RATIOS
Current Ratio	29.10	23.52	27.99	28.44	21.81
Current Ratio (Inc. ST Loans)	0.62	1.06	1.13	0.98	1.06
Quick Ratio	29.09	23.47	27.94	28.38	21.67
Fixed Assets Turnover Ratio	0.10	0.10	0.10	0.10	0.09

PAYOUT RATIOS
Dividend payout Ratio (Net Profit)	0.00	0.00	0.00	0.00	0.00
Dividend payout Ratio (Cash Profit)	0.00	0.00	0.00	0.00	0.00
Earning Retention Ratio	100.00	100.00	100.00	100.00	100.00
Cash Earnings Retention Ratio	100.00	100.00	100.00	100.00	100.00

COVERAGE RATIOS
Adjusted Cash Flow Time Total Debt	29.74	31.08	34.86	48.42	60.57
Financial Charges Coverage Ratio	1.61	1.56	1.47	1.36	1.27
Fin. Charges Cov.Ratio (Post Tax)	1.48	1.44	1.37	1.28	1.22

COMPONENT RATIOS
Material Cost Component(% earnings)	0.00	0.00	0.00	0.00	0.00
Selling Cost Component	0.00	0.29	0.20	0.17	0.16
Exports as percent of Total Sales	0.00	0.00	0.00	0.00	0.00
Import Comp. in Raw Mat. Consumed	0.00	0.00	0.00	0.00	0.00
Long term assets / Total Assets	0.03	0.04	0.06	0.05	0.05
Bonus Component In Equity Capital (%)	0.00	2.48	2.49	3.83	3.83

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