PNB Housing Finance Limited Financial Flexibility Index
PNB Housing Finance Limited 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). See cash generation quality of PNB Housing Finance Limited to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of PNB Housing Finance Limited (2012–2025)
Financial flexibility index of PNB Housing Finance Limited from 2012 to 2025. Historical Financial Flexibility Index trend for PNB Housing Finance Limited across 14 annual periods. Check PNB Housing Finance Limited (PNBHOUSING) cash earnings ratio to evaluate the quality of earnings relative to operating cash generation.
PNB Housing Finance Limited Financial Flexibility Index by Year (2012–2025)
PNB Housing Finance Limited financial flexibility index by year from 2012 to 2025. Year-by-year free cash flow to debt coverage for PNB Housing Finance Limited. For the full cash flow conversion analysis, see PNB Housing Finance Limited (PNBHOUSING) cash conversion ratio.
| 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 | — |