PNB Housing Finance Limited (PNBHOUSING) - Cash Flow Conversion Efficiency

Latest as of September 2025: -0.215x

Based on the latest financial reports, PNB Housing Finance Limited (PNBHOUSING) has a cash flow conversion efficiency ratio of -0.215x as of September 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow (Rs-38.71 Billion ≈ $-418.59 Million USD) by net assets (Rs179.71 Billion ≈ $1.94 Billion USD). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See how leveraged is PNB Housing Finance Limited's balance sheet to measure how much of total assets are equity-financed.

PNB Housing Finance Limited - Cash Flow Conversion Efficiency Trend (2012–2025)

This chart illustrates how PNB Housing Finance Limited's cash flow conversion efficiency has evolved over time, based on yearly financial data. Check PNBHOUSING cash flow quality index to evaluate the quality of earnings relative to operating cash generation.

PNB Housing Finance Limited Competitors by Cash Flow Conversion Efficiency

The table below lists competitors of PNB Housing Finance Limited ranked by their cash flow conversion efficiency.

Company	Cash Flow Conversion Efficiency
China Baoan Group Co Ltd SHE:000009	0.010x
Sparebank 1 SMN OL:MING	0.005x
Hellenic Petroleum S.A AT:ELPE	0.139x
Guangdong Kingshine Electronic Tech SHE:300903	-0.008x
Applied Opt NASDAQ:AAOI	-0.051x
Brederode SA BR:BREB	0.008x
Ashland Global Holdings Inc NYSE:ASH	0.067x
Chongqing Water Group Co Ltd SHG:601158	0.035x

Annual Cash Flow Conversion Efficiency for PNB Housing Finance Limited (2012–2025)

The table below shows the annual cash flow conversion efficiency of PNB Housing Finance Limited from 2012 to 2025. For the full company profile with market capitalisation and key ratios, see PNB Housing Finance Limited market cap and net worth.

Year	Net Assets	Operating Cash Flow	Cash Flow Conversion Efficiency	Change
2025-03-31	Rs168.63 Billion ≈ $1.82 Billion	Rs-80.57 Billion ≈ $-871.37 Million	-0.478x	-53.49%
2024-03-31	Rs149.74 Billion ≈ $1.62 Billion	Rs-46.62 Billion ≈ $-504.12 Million	-0.311x	-83.84%
2023-03-31	Rs110.14 Billion ≈ $1.19 Billion	Rs-18.65 Billion ≈ $-201.70 Million	-0.169x	-126.72%
2022-03-31	Rs98.72 Billion ≈ $1.07 Billion	Rs62.56 Billion ≈ $676.57 Million	0.634x	-14.47%
2021-03-31	Rs89.23 Billion ≈ $964.99 Million	Rs66.11 Billion ≈ $714.98 Million	0.741x	-33.63%
2020-03-31	Rs79.98 Billion ≈ $864.93 Million	Rs89.28 Billion ≈ $965.58 Million	1.116x	+150.68%
2019-03-31	Rs75.44 Billion ≈ $815.84 Million	Rs-166.17 Billion ≈ $-1.80 Billion	-2.203x	+11.38%
2018-03-31	Rs63.06 Billion ≈ $681.92 Million	Rs-156.73 Billion ≈ $-1.70 Billion	-2.486x	-11.74%
2017-03-31	Rs55.77 Billion ≈ $603.16 Million	Rs-124.06 Billion ≈ $-1.34 Billion	-2.224x	+50.64%
2016-03-31	Rs21.44 Billion ≈ $231.91 Million	Rs-96.64 Billion ≈ $-1.05 Billion	-4.507x	-4.77%
2015-03-31	Rs15.79 Billion ≈ $170.73 Million	Rs-67.91 Billion ≈ $-734.42 Million	-4.302x	-10.78%
2014-03-31	Rs9.34 Billion ≈ $101.02 Million	Rs-36.27 Billion ≈ $-392.26 Million	-3.883x	+17.27%
2013-03-31	Rs6.18 Billion ≈ $66.84 Million	Rs-29.01 Billion ≈ $-313.71 Million	-4.694x	-157.73%
2012-03-31	Rs4.00 Billion ≈ $43.25 Million	Rs-7.28 Billion ≈ $-78.76 Million	-1.821x	--

About PNB Housing Finance Limited

NSE:PNBHOUSING India Mortgage Finance

Market Cap

$2.97 Billion

Rs274.34 Billion INR

Market Cap Rank

#4863 Global

#219 in India

Share Price

Rs1053.10

Change (1 day)

+1.94%

52-Week Range

Rs750.75 - Rs1122.30

All Time High

Rs1660.87