PNB Housing Finance Limited (PNBHOUSING) — 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 investment intensity of PNB Housing Finance Limited to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
PNB Housing Finance Limited Cash Flow Quality Index (2012–2025)
Historical Cash Flow Quality Index for PNB Housing Finance Limited across 14 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check PNBHOUSING tangible net assets ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for PNB Housing Finance Limited (2012–2025)
Year-by-year earnings quality comparison for PNB Housing Finance Limited. For live market cap and the full company financial profile, see PNB Housing Finance Limited market capitalisation.
| 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 | — |