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 how much free cash does PNB Housing Finance Limited generate to measure how efficiently the company converts operating cash flow to free cash.
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. Also explore PNB Housing Finance Limited net asset momentum to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for PNB Housing Finance Limited (2012–2025)
Year-by-year debt coverage analysis for PNB Housing Finance Limited. For market capitalisation and broader financial context, see PNB Housing Finance Limited market cap and net worth.
| 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 | — |