PNB Housing Finance Limited Cash Flow Conversion Efficiency

Latest as of September 2025: -0.215x

PNB Housing Finance Limited cash flow conversion efficiency. 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. Also see PNBHOUSING stock market capitalisation for the company's overall valuation and market capitalisation.

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

Cash flow conversion efficiency of PNB Housing Finance Limited from 2012 to 2025. This chart illustrates how PNB Housing Finance Limited's cash flow conversion efficiency has evolved over time, based on yearly financial data. View PNBHOUSING stock price for real-time trading data and today's change.

PNB Housing Finance Limited Cash Flow Conversion Ratio Explained

PNB Housing Finance Limited cash flow conversion ratio divides operating cash flow by net assets, so a higher ratio means more cash generated from each unit of shareholder equity.

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. Review how much free cash does PNB Housing Finance Limited generate to assess how much free cash flow the company generates relative to operating cash flow.

Company	Cash Flow Conversion Efficiency
UCO Bank NSE:UCOBANK	0.060x
Provident Financial Services Inc NYSE:PFS	0.041x
Gulfport Energy Operating Corp NYSE:GPOR	0.162x
Quilter PLC JSE:QLT	0.318x
Legence Corp. Class A Common stock NASDAQ:LGN	0.076x
Kyivstar Group Ltd. Common Shares NASDAQ:KYIV	0.114x
SSAB AB (publ) ST:SSAB-A	0.005x
Tomra Systems ASA OL:TOM	0.154x

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. Also see PNB Housing Finance Limited total assets for a full breakdown of the balance sheet.

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

$2.99 Billion

Rs276.14 Billion INR

Market Cap Rank

#4753 Global

#208 in India

Share Price

Rs1060.00

Change (1 day)

-4.50%

52-Week Range

Rs750.75 - Rs1224.80

All Time High

Rs1660.87