PNB Housing Finance Limited Cash Flow Quality Index
PNB Housing Finance Limited cash flow quality index. PNB Housing Finance Limited (PNBHOUSING) has a Cash Flow Quality Index of -6.66x as of September 2025. Operating cash flow of Rs-38.71 Billion is below net income of Rs5.82 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore PNB Housing Finance Limited (PNBHOUSING) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of PNB Housing Finance Limited (2012–2025)
Cash flow quality index of PNB Housing Finance Limited from 2012 to 2025. Historical Cash Flow Quality Index for PNB Housing Finance Limited across 14 annual periods. Values consistently above 1.0x indicate high-quality earnings. See PNB Housing Finance Limited (PNBHOUSING) balance sheet quality index to measure how much of total assets are equity-financed.
PNB Housing Finance Limited Cash Flow Quality Index by Year (2012–2025)
PNB Housing Finance Limited cash flow quality index by year from 2012 to 2025. Year-by-year earnings quality comparison for PNB Housing Finance Limited. For the full cash flow conversion analysis, see PNB Housing Finance Limited operating cash flow efficiency.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -4.16x | Rs-80.57 Billion | Rs19.36 Billion | ▼ -34.6% |
| 2024 | -3.09x | Rs-46.62 Billion | Rs15.08 Billion | ▼ -125.6% |
| 2023 | -1.37x | Rs-18.65 Billion | Rs13.61 Billion | ▼ -123.7% |
| 2022 | 5.77x | Rs62.56 Billion | Rs10.84 Billion | ▲ +5.4% |
| 2021 | 5.48x | Rs66.11 Billion | Rs12.07 Billion | ▼ -50.2% |
| 2020 | 11.01x | Rs89.28 Billion | Rs8.11 Billion | ▲ +214.9% |
| 2019 | -9.58x | Rs-166.17 Billion | Rs17.34 Billion | ▲ +21.8% |
| 2018 | -12.25x | Rs-156.73 Billion | Rs12.79 Billion | ▲ +20.6% |
| 2017 | -15.43x | Rs-124.06 Billion | Rs8.04 Billion | ▲ +19.5% |
| 2016 | -19.16x | Rs-96.64 Billion | Rs5.04 Billion | ▲ +16.9% |
| 2015 | -23.06x | Rs-67.91 Billion | Rs2.94 Billion | ▼ -13.8% |
| 2014 | -20.27x | Rs-36.27 Billion | Rs1.79 Billion | ▲ +10.1% |
| 2013 | -22.53x | Rs-29.01 Billion | Rs1.29 Billion | ▼ -226.8% |
| 2012 | -6.90x | Rs-7.28 Billion | Rs1.06 Billion | — |