PNB Housing Finance Limited
NSE:PNBHOUSING.NS
947.2 (INR) • At close November 8, 2024
Overview | Financials
Numbers are in millions (except for per share data and ratios) INR.
| 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q2 | 2020 Q1 | 2019 Q4 | 2019 Q3 | 2019 Q2 | 2019 Q1 | 2018 Q4 | 2018 Q3 | 2018 Q2 | 2018 Q1 | 2017 Q4 | 2017 Q3 | 2017 Q2 | 2017 Q1 | 2016 Q4 | 2016 Q3 | 2016 Q2 | 2016 Q1 | 2015 Q4 | 2015 Q3 | 2015 Q2 | 2015 Q1 | 2014 Q4 | 2014 Q3 | 2014 Q2 | 2014 Q1 | 2013 Q4 | 2013 Q3 | 2013 Q2 | 2013 Q1 | 2012 Q4 | 2012 Q3 | 2012 Q2 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue
| 7,579.4 | 18,320.8 | 18,139.7 | 6,649.8 | 7,195.9 | 6,567.5 | 6,255.4 | 7,977.9 | 7,189.1 | 4,773.8 | 4,897.7 | 4,961.6 | 5,509 | 5,883.2 | 6,741.7 | 6,489.6 | 6,806.9 | 5,079.2 | 5,700.2 | 6,128.1 | 7,064.2 | 7,164.3 | 7,127.4 | 6,552.6 | 5,637.8 | 5,485.6 | 5,534.3 | 5,136 | 4,797.8 | 4,393.5 | 3,980.8 | 3,256.7 | 2,855.7 | 2,632.59 | 2,604.5 | 2,230.8 | 1,971 | 1,164.3 | 1,664.568 | 1,287.2 | 1,048 | 1,013 | 745.377 | 793.9 | 692.9 | 692.9 | 477.684 | 477.684 | 1,485.7 |
| Cost of Revenue
| 11,355.7 | 11,132.8 | 10,858.4 | 11,040.7 | 10,711.4 | 10,636 | 10,248.1 | 10,113.3 | 9,786.4 | 9,467 | 9,500.7 | 10,125.8 | 10,489.4 | 11,173.8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit
| -3,776.3 | 7,188 | 7,281.3 | -4,390.9 | -3,515.5 | -4,068.5 | -3,992.7 | -2,135.4 | -2,597.3 | -4,693.2 | -4,603 | -5,164.2 | -4,980.4 | -5,290.6 | 6,741.7 | 6,489.6 | 6,806.9 | 5,079.2 | 5,700.2 | 6,128.1 | 7,064.2 | 7,164.3 | 7,127.4 | 6,552.6 | 5,637.8 | 5,485.6 | 5,534.3 | 5,136 | 4,797.8 | 4,393.5 | 3,980.8 | 3,256.7 | 2,855.7 | 2,632.59 | 2,604.5 | 2,230.8 | 1,971 | 1,164.3 | 1,664.568 | 1,287.2 | 1,048 | 1,013 | 745.377 | 793.9 | 692.9 | 692.9 | 477.684 | 477.684 | 1,485.7 |
| Gross Profit Ratio
| -0.498 | 0.392 | 0.401 | -0.66 | -0.489 | -0.619 | -0.638 | -0.268 | -0.361 | -0.983 | -0.94 | -1.041 | -0.904 | -0.899 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reseach & Development Expenses
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & Administrative Expenses
| 0 | 0 | 663.9 | 0 | 0 | 0 | 12,721.4 | 0 | 0 | 0 | 6,176.6 | 0 | 0 | 0 | 1,389.5 | 0 | 0 | 0 | 1,134.6 | 0 | 0 | 0 | 1,181.1 | 0 | 0 | 0 | 952.5 | 0 | 0 | 0 | 553.9 | 0 | 0 | 199.84 | 409.8 | 0 | 0 | 0 | 326.258 | 0 | 0 | 0 | 177.134 | 0 | 0 | 0 | 98.561 | 98.561 | 0 |
| Selling & Marketing Expenses
| 0 | 0 | 242.3 | 0 | 0 | 0 | 199.9 | 0 | 0 | 0 | 184.4 | 0 | 0 | 0 | 80.8 | 0 | 0 | 0 | 270.4 | 0 | 0 | 0 | 236.4 | 0 | 0 | 0 | 414.8 | 0 | 0 | 0 | 218.9 | 0 | 0 | 52.73 | 230.6 | 0 | 0 | 0 | 117.722 | 0 | 0 | 0 | 54.598 | 0 | 0 | 0 | 9.211 | 9.211 | 0 |
| SG&A
| 0 | 1,092.3 | 906.2 | 805.8 | 854.6 | 1,412.4 | 12,921.3 | 3,130.7 | 3,116.1 | 1,094 | 6,361 | 500.1 | 565 | 558.3 | 1,470.3 | 426.8 | 550.2 | 610 | 1,405 | 588.7 | 709.8 | 679.7 | 1,417.5 | 811 | 808.9 | 505.8 | 1,367.3 | 348.6 | 330.8 | 289.2 | 1,289.5 | 249.7 | 265.8 | 252.57 | 970.9 | 202.1 | 205.1 | 182.7 | 760.559 | 174 | 169.9 | 141.9 | 427.749 | 119.7 | 79.35 | 79.35 | 107.772 | 107.772 | 0 |
| Other Expenses
| 1,988.2 | -1,765.8 | -1,616.8 | -1,525.3 | -1,563.3 | -1,368.8 | -1,300.7 | -1,112.3 | -1,220.7 | 1,180 | 1,204.5 | 1,129.5 | 0 | 1,135.6 | 1,354.3 | 984.6 | 1,055.7 | 1,033.5 | 860.1 | 1,337.7 | 1,288.7 | 1,382.4 | 1,574.4 | 1,435.3 | 1,266.1 | 1,293 | 1,666.9 | 1,236.9 | 1,101.1 | 1,081.5 | 897.8 | 869.6 | 1,008 | 626.39 | 727 | 614.8 | 612.3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Expenses
| 1,988.2 | 1,899.3 | 1,616.8 | 1,655.8 | 1,676.6 | 1,495.1 | 1,427 | 1,238.3 | 1,352.5 | 1,180 | 1,204.5 | 1,129.5 | 1,178.7 | 1,135.6 | 1,354.3 | 984.6 | 1,055.7 | 1,033.5 | 860.1 | 1,337.7 | 1,288.7 | 1,382.4 | 1,574.4 | 1,435.3 | 1,266.1 | 1,293 | 1,666.9 | 1,236.9 | 1,101.1 | 1,081.5 | 897.8 | 869.6 | 1,008 | 878.96 | 727 | 614.8 | 612.3 | 318.4 | 767.619 | 538.8 | 357.7 | 390.8 | 205.453 | 384.8 | 293.25 | 293.25 | 125.51 | 125.51 | 1,207.7 |
| Operating Income
| 5,591.2 | 5,422.2 | 5,664.5 | 4,403 | 5,071.1 | 4,340.5 | 3,425 | 3,668.8 | 3,404.3 | 2,980.7 | 2,097.7 | 2,406 | 2,777.7 | 14,181.3 | 13,394.5 | 15,400.6 | 17,352.4 | 16,930.1 | 10,527.3 | 17,592.8 | 19,472.4 | 19,267.1 | 19,725.8 | 18,518.4 | 16,013.4 | 14,750 | 13,590.9 | 12,588.8 | 11,554.6 | 10,360.6 | 9,195.4 | 8,810.1 | 8,919.4 | 7,308.56 | 6,813.8 | 6,324 | 5,623.3 | 762.7 | 899.257 | 748.4 | 690.3 | 622.2 | 541.469 | 409 | 399.65 | 399.65 | 352.218 | 352.174 | 278 |
| Operating Income Ratio
| 0.738 | 0.296 | 0.312 | 0.662 | 0.705 | 0.661 | 0.548 | 0.46 | 0.474 | 0.624 | 0.428 | 0.485 | 0.504 | 2.41 | 1.987 | 2.373 | 2.549 | 3.333 | 1.847 | 2.871 | 2.756 | 2.689 | 2.768 | 2.826 | 2.84 | 2.689 | 2.456 | 2.451 | 2.408 | 2.358 | 2.31 | 2.705 | 3.123 | 2.776 | 2.616 | 2.835 | 2.853 | 0.655 | 0.54 | 0.581 | 0.659 | 0.614 | 0.726 | 0.515 | 0.577 | 0.577 | 0.737 | 0.737 | 0.187 |
| Total Other Income Expenses Net
| 6,047.3 | 119.6 | -66.4 | -591 | -448.2 | 4,466.8 | -1,403.4 | -3,070.8 | -2,432.3 | 3,111 | 2,237.8 | 2,537.3 | 2,912 | -11,028.8 | -11,513.1 | -12,462.2 | -13,396.7 | -13,635.3 | -13,799.7 | -14,610.3 | -15,212.7 | -15,126.8 | -14,275.1 | -14,102.5 | -12,288.6 | -10,997.5 | -10,167.8 | -9,250.3 | -8,360.7 | -7,529.2 | -6,779 | -6,730.8 | -6,846.8 | -5,834.74 | -5,248.5 | -4,866.5 | -4,461.1 | 83.2 | -2.308 | 748.4 | 690.3 | 622.2 | -1.545 | 0.1 | 399.65 | 399.65 | -0.044 | 352.174 | 278 |
| Income Before Tax
| 6,047.3 | 5,541.8 | 5,598.1 | 4,403 | 5,071.1 | 4,466.8 | 3,425 | 3,668.8 | 3,404.3 | 3,111 | 2,237.8 | 2,537.3 | 2,912 | 3,152.5 | 1,881.4 | 2,938.4 | 3,955.7 | 3,294.8 | -3,272.4 | 2,982.5 | 4,259.7 | 4,140.3 | 5,450.7 | 4,415.9 | 3,724.8 | 3,752.5 | 3,423.1 | 3,338.5 | 3,193.9 | 2,831.4 | 2,416.4 | 2,079.3 | 2,072.6 | 1,473.82 | 1,565.3 | 1,457.5 | 1,162.2 | 845.9 | 896.949 | 748.4 | 690.3 | 622.2 | 539.924 | 409.1 | 399.65 | 399.65 | 352.174 | 352.174 | 278 |
| Income Before Tax Ratio
| 0.798 | 0.302 | 0.309 | 0.662 | 0.705 | 0.68 | 0.548 | 0.46 | 0.474 | 0.652 | 0.457 | 0.511 | 0.529 | 0.536 | 0.279 | 0.453 | 0.581 | 0.649 | -0.574 | 0.487 | 0.603 | 0.578 | 0.765 | 0.674 | 0.661 | 0.684 | 0.619 | 0.65 | 0.666 | 0.644 | 0.607 | 0.638 | 0.726 | 0.56 | 0.601 | 0.653 | 0.59 | 0.727 | 0.539 | 0.581 | 0.659 | 0.614 | 0.724 | 0.515 | 0.577 | 0.577 | 0.737 | 0.737 | 0.187 |
| Income Tax Expense
| 1,350.5 | 1,213.7 | 1,205.6 | 1,018.6 | 1,241.1 | 993.6 | 632.2 | 977.5 | 778 | 761.4 | 542.4 | 652.8 | 559.9 | 719.7 | 611.1 | 614.4 | 822.8 | 723 | -851.8 | 612.3 | 591.6 | 1,295.6 | 1,653 | 1,386.2 | 1,194.9 | 1,194.6 | 1,231 | 1,163.9 | 1,114 | 983.9 | 892.4 | 701.5 | 696.1 | 513.54 | 539.7 | 554.4 | 390.2 | 281.9 | 326.052 | 231.8 | 229.6 | 209.2 | 146.499 | 103.3 | 116.6 | 116.6 | 100.317 | 100.317 | 72.35 |
| Net Income
| 4,696.8 | 4,328.1 | 4,392.5 | 3,384.4 | 3,830 | 3,473.2 | 2,792.8 | 2,691.3 | 2,626.3 | 2,349.6 | 1,695.4 | 1,884.5 | 2,352.1 | 2,432.8 | 1,270.3 | 2,324 | 3,132.9 | 2,571.8 | -2,420.6 | 2,370.2 | 3,668.1 | 2,844.7 | 3,797.7 | 3,029.7 | 2,529.9 | 2,557.9 | 2,192.1 | 2,174.6 | 2,079.9 | 1,847.5 | 1,524 | 1,377.8 | 1,376.5 | 960.28 | 1,025.6 | 903.1 | 772 | 564 | 570.897 | 516.6 | 460.7 | 413 | 393.425 | 305.8 | 283.05 | 283.05 | 251.857 | 251.857 | 205.65 |
| Net Income Ratio
| 0.62 | 0.236 | 0.242 | 0.509 | 0.532 | 0.529 | 0.446 | 0.337 | 0.365 | 0.492 | 0.346 | 0.38 | 0.427 | 0.414 | 0.188 | 0.358 | 0.46 | 0.506 | -0.425 | 0.387 | 0.519 | 0.397 | 0.533 | 0.462 | 0.449 | 0.466 | 0.396 | 0.423 | 0.434 | 0.421 | 0.383 | 0.423 | 0.482 | 0.365 | 0.394 | 0.405 | 0.392 | 0.484 | 0.343 | 0.401 | 0.44 | 0.408 | 0.528 | 0.385 | 0.409 | 0.409 | 0.527 | 0.527 | 0.138 |
| EPS
| 18.08 | 16.66 | 16.91 | 13.03 | 14.75 | 13.64 | 13.69 | 13.21 | 13.36 | 11.96 | 8.33 | 9.26 | 11.56 | 11.97 | 6.25 | 11.45 | 15.43 | 12.66 | -14.39 | 11.68 | 18.07 | 14.04 | 22.58 | 14.98 | 12.51 | 12.68 | 10.9 | 11.4 | 9.45 | 9.21 | 7.62 | 7.6 | 8.99 | 6.26 | 6.69 | 5.9 | 5.04 | 4.44 | 4.5 | 0 | 3.63 | 3.25 | 4.41 | 0 | 5.66 | 5.66 | 5.04 | 5.04 | 4.11 |
| EPS Diluted
| 18.02 | 16.61 | 16.87 | 13 | 14.73 | 13.63 | 13.67 | 13.2 | 12.88 | 11.94 | 8.31 | 9.23 | 11.53 | 11.96 | 6.25 | 11.45 | 15.43 | 12.66 | -14.39 | 11.65 | 18.02 | 13.99 | 22.58 | 14.88 | 12.42 | 12.58 | 10.78 | 11.26 | 9.33 | 9.1 | 7.52 | 7.49 | 8.81 | 6.2 | 6.69 | 5.9 | 5.04 | 4.44 | 4.5 | 0 | 3.63 | 3.25 | 4.41 | 0 | 5.66 | 5.66 | 5.04 | 5.04 | 4.11 |
| EBITDA
| 5,729.7 | 5,555.7 | 5,806.3 | 4,533.5 | 5,184.4 | 4,466.8 | 3,551.3 | 3,794.8 | 3,536.1 | 3,111 | 2,237.8 | 2,537.3 | 2,912 | 14,309.5 | 13,538 | 15,541 | 17,498.7 | 17,090 | 10,672.7 | 17,774.1 | 19,640.3 | 19,431 | 19,817.3 | 18,594.3 | 16,092.5 | 14,817.2 | 13,661.2 | 12,656.5 | 11,607.1 | 10,411.4 | 9,243.7 | 8,857.8 | 8,965 | 7,353.23 | 6,855.5 | 6,367 | 5,657.6 | 83.2 | -2.308 | 748.4 | 690.3 | 622.2 | -1.545 | 0.1 | 399.65 | 399.65 | -0.044 | 352.174 | 278 |
| EBITDA Ratio
| 0.756 | 0.303 | 0.32 | 0.682 | 0.72 | 0.68 | 0.568 | 0.476 | 0.492 | 0.652 | 0.457 | 0.511 | 0.529 | 2.432 | 2.008 | 2.395 | 2.571 | 3.365 | 1.872 | 2.9 | 2.78 | 2.712 | 2.78 | 2.838 | 2.854 | 2.701 | 2.468 | 2.464 | 2.419 | 2.37 | 2.322 | 2.72 | 3.139 | 2.793 | 2.632 | 2.854 | 2.87 | 0.071 | -0.001 | 0.581 | 0.659 | 0.614 | -0.002 | 0 | 0.577 | 0.577 | -0 | 0.737 | 0.187 |