PNB Housing Finance Limited Asset Resilience Ratio
PNB Housing Finance Limited asset resilience ratio. PNB Housing Finance Limited (PNBHOUSING) has an Asset Resilience Ratio of 3.50% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See defensive interval ratio of PNB Housing Finance Limited to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of PNB Housing Finance Limited (2016–2025)
Asset resilience ratio of PNB Housing Finance Limited from 2016 to 2025. This chart shows how PNB Housing Finance Limited's Asset Resilience Ratio has changed over time. Read total liabilities of PNB Housing Finance Limited for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down PNB Housing Finance Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see PNBHOUSING total assets.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | Rs30.02 Billion | 3.5% |
| Short-term Investments | Rs0.00 | 0% |
| Total Liquid Assets | Rs30.02 Billion | 3.50% |
Asset Resilience Insights
- Limited Liquidity: PNB Housing Finance Limited maintains only 3.50% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
PNB Housing Finance Limited Industry Peers by Asset Resilience Ratio
Compare PNB Housing Finance Limited's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
ECN Capital Corp
TO:ECN |
Mortgage Finance | 5.22% |
|
UWM Holdings Corp
NYSE:UWMC |
Mortgage Finance | 0.51% |
|
Timbercreek Financial Corp
TO:TF |
Mortgage Finance | 0.38% |
|
Reliance Home Finance Limited
NSE:RHFL |
Mortgage Finance | 1.18% |
|
Australian Finance Group Ltd
AU:AFG |
Mortgage Finance | 0.00% |
|
Resimac Group Ltd
AU:RMC |
Mortgage Finance | 0.00% |
|
N1 Holdings Ltd
AU:N1H |
Mortgage Finance | 0.01% |
|
First National Financial Corp
TO:FN |
Mortgage Finance | 6.41% |
PNB Housing Finance Limited Asset Resilience Ratio by Year (2016–2025)
PNB Housing Finance Limited asset resilience ratio by year from 2016 to 2025. The table below shows the annual Asset Resilience Ratio data for PNB Housing Finance Limited.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-03-31 | 1.17% | Rs9.65 Billion ≈ $104.36 Million |
Rs825.20 Billion ≈ $8.92 Billion |
-1.93pp |
| 2024-03-31 | 3.10% | Rs22.44 Billion ≈ $242.70 Million |
Rs724.05 Billion ≈ $7.83 Billion |
-1.39pp |
| 2023-03-31 | 4.48% | Rs29.99 Billion ≈ $324.36 Million |
Rs668.74 Billion ≈ $7.23 Billion |
-2.19pp |
| 2022-03-31 | 6.67% | Rs43.85 Billion ≈ $474.20 Million |
Rs657.30 Billion ≈ $7.11 Billion |
-1.76pp |
| 2021-03-31 | 8.43% | Rs60.17 Billion ≈ $650.76 Million |
Rs713.92 Billion ≈ $7.72 Billion |
+3.75pp |
| 2020-03-31 | 4.68% | Rs36.92 Billion ≈ $399.25 Million |
Rs789.30 Billion ≈ $8.54 Billion |
+4.09pp |
| 2019-03-31 | 0.59% | Rs4.95 Billion ≈ $53.48 Million |
Rs838.69 Billion ≈ $9.07 Billion |
+0.29pp |
| 2018-03-31 | 0.30% | Rs1.94 Billion ≈ $20.97 Million |
Rs637.99 Billion ≈ $6.90 Billion |
-5.29pp |
| 2017-03-31 | 5.60% | Rs24.04 Billion ≈ $259.97 Million |
Rs429.60 Billion ≈ $4.65 Billion |
+2.60pp |
| 2016-03-31 | 3.00% | Rs8.90 Billion ≈ $96.27 Million |
Rs296.72 Billion ≈ $3.21 Billion |
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About PNB Housing Finance Limited
PNB Housing Finance Limited operates as a housing finance company in India. It provides loans to individuals and corporate bodies for purchase, construction, repair, and up-gradation of houses/flats/commercial properties, etc.; residential plot loans and loans for NRIs; loan against property, lease rental discounting, and loans for real estate developers; and home loans and fixed deposit products… Read more