PNB Housing Finance Limited Cash Flow-to-Debt Ratio
PNB Housing Finance Limited 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. Check how high is PNB Housing Finance Limited's earnings quality to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of PNB Housing Finance Limited (2012–2025)
Cash flow-to-debt ratio of PNB Housing Finance Limited from 2012 to 2025. Historical debt coverage capacity for PNB Housing Finance Limited across 14 annual periods. Check how aggressively does PNB Housing Finance Limited reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
PNB Housing Finance Limited Cash Flow-to-Debt Ratio by Year (2012–2025)
PNB Housing Finance Limited cash flow-to-debt ratio by year from 2012 to 2025. Year-by-year debt coverage analysis for PNB Housing Finance Limited. For the full cash flow conversion analysis, see cash flow conversion of PNB Housing Finance Limited.
| 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 | — |