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 asset allocation strategy of PNB Housing Finance Limited to assess the company's strategic physical and investment asset allocation.
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. See PNB Housing Finance Limited (PNBHOUSING) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
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. For the full company profile including market capitalisation, see PNB Housing Finance Limited (PNBHOUSING) market capitalisation.
| 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 | — |