PNB Housing Finance Limited (PNBHOUSING) — Financial Flexibility Index
PNB Housing Finance Limited (PNBHOUSING) has a Financial Flexibility Index of -0.06x as of September 2025. Free cash flow of Rs-38.54 Billion (operating CF Rs-38.71 Billion minus capex Rs162.90 Million) represents 0% of total liabilities (Rs677.86 Billion). Check cash flow reinvestment rate of PNB Housing Finance Limited to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
PNB Housing Finance Limited Financial Flexibility Index (2012–2025)
Historical Financial Flexibility Index trend for PNB Housing Finance Limited across 14 annual periods. For the full cash flow conversion analysis, see PNBHOUSING cash flow conversion.
Annual Financial Flexibility Index for PNB Housing Finance Limited (2012–2025)
Year-by-year free cash flow to debt coverage for PNB Housing Finance Limited. Explore PNB Housing Finance Limited (PNBHOUSING) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.12x | Rs-80.08 Billion | Rs-80.57 Billion | Rs656.57 Billion | ▼ -51.5% |
| 2024 | -0.08x | Rs-46.22 Billion | Rs-46.62 Billion | Rs574.30 Billion | ▼ -143.0% |
| 2023 | -0.03x | Rs-18.50 Billion | Rs-18.65 Billion | Rs558.60 Billion | ▼ -129.5% |
| 2022 | 0.11x | Rs62.71 Billion | Rs62.56 Billion | Rs558.58 Billion | ▲ +6.0% |
| 2021 | 0.11x | Rs66.19 Billion | Rs66.11 Billion | Rs624.69 Billion | ▼ -16.4% |
| 2020 | 0.13x | Rs89.92 Billion | Rs89.28 Billion | Rs709.32 Billion | ▲ +158.4% |
| 2019 | -0.22x | Rs-165.58 Billion | Rs-166.17 Billion | Rs763.25 Billion | ▲ +20.2% |
| 2018 | -0.27x | Rs-156.24 Billion | Rs-156.73 Billion | Rs574.93 Billion | ▲ +18.0% |
| 2017 | -0.33x | Rs-123.90 Billion | Rs-124.06 Billion | Rs373.82 Billion | ▲ +5.4% |
| 2016 | -0.35x | Rs-96.45 Billion | Rs-96.64 Billion | Rs275.28 Billion | ▲ +9.4% |
| 2015 | -0.39x | Rs-67.54 Billion | Rs-67.91 Billion | Rs174.57 Billion | ▼ -13.6% |
| 2014 | -0.34x | Rs-36.12 Billion | Rs-36.27 Billion | Rs106.05 Billion | ▲ +17.0% |
| 2013 | -0.41x | Rs-28.87 Billion | Rs-29.01 Billion | Rs70.37 Billion | ▼ -128.3% |
| 2012 | -0.18x | Rs-7.25 Billion | Rs-7.28 Billion | Rs40.36 Billion | — |