PNB Housing Finance Limited (PNBHOUSING) — Cash Flow-to-Debt Ratio
PNB Housing Finance Limited (PNBHOUSING) has a Cash Flow-to-Debt Ratio of -0.06x as of September 2025, meaning its operating cash flow of Rs-38.71 Billion could theoretically repay 0% of its total liabilities (Rs677.86 Billion) in one year. See PNBHOUSING financial flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
PNB Housing Finance Limited Cash Flow-to-Debt Ratio (2012–2025)
Historical debt coverage capacity for PNB Housing Finance Limited across 14 annual periods. For the full cash flow conversion analysis, see PNB Housing Finance Limited (PNBHOUSING) cash flow conversion.
Annual Cash Flow-to-Debt Ratio for PNB Housing Finance Limited (2012–2025)
Year-by-year debt coverage analysis for PNB Housing Finance Limited. Check PNBHOUSING cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | -0.12x | Rs-80.57 Billion | Rs656.57 Billion | ▼ -51.2% |
| 2024 | -0.08x | Rs-46.62 Billion | Rs574.30 Billion | ▼ -143.1% |
| 2023 | -0.03x | Rs-18.65 Billion | Rs558.60 Billion | ▼ -129.8% |
| 2022 | 0.11x | Rs62.56 Billion | Rs558.58 Billion | ▲ +5.8% |
| 2021 | 0.11x | Rs66.11 Billion | Rs624.69 Billion | ▼ -15.9% |
| 2020 | 0.13x | Rs89.28 Billion | Rs709.32 Billion | ▲ +157.8% |
| 2019 | -0.22x | Rs-166.17 Billion | Rs763.25 Billion | ▲ +20.1% |
| 2018 | -0.27x | Rs-156.73 Billion | Rs574.93 Billion | ▲ +17.9% |
| 2017 | -0.33x | Rs-124.06 Billion | Rs373.82 Billion | ▲ +5.5% |
| 2016 | -0.35x | Rs-96.64 Billion | Rs275.28 Billion | ▲ +9.8% |
| 2015 | -0.39x | Rs-67.91 Billion | Rs174.57 Billion | ▼ -13.7% |
| 2014 | -0.34x | Rs-36.27 Billion | Rs106.05 Billion | ▲ +17.0% |
| 2013 | -0.41x | Rs-29.01 Billion | Rs70.37 Billion | ▼ -128.5% |
| 2012 | -0.18x | Rs-7.28 Billion | Rs40.36 Billion | — |