PNB Housing Finance Reports Mixed Financial Trends Amid Record Net Sales and Cash Flow Challenges

PNB Housing Finance has recently undergone a financial trend adjustment, reflecting a flat performance for the quarter ending June 2025. The company's score has notably decreased over the past three months, indicating a shift in its financial standing.
On a positive note, PNB Housing has reported its highest net sales for the quarter at Rs 2,076.11 crore, alongside a peak PBDIT of Rs 1,936.99 crore. The company also achieved a significant growth in profit after tax (PAT), reaching Rs 533.50 crore, which marks a 23.3% increase. Additionally, the debt-to-equity ratio (DPR) stands at a robust 6.71%, showcasing a strong capital structure.

However, challenges persist, particularly with operating cash flow, which has reached a concerning low of Rs -8,057.33 crore. Furthermore, the profit before tax excluding other income (PBT less OI) has reported no earnings for the quarter.

In terms of market performance, PNB Housing has shown varied returns compared to the Sensex. Over the past week and month, the stock has outperformed the index, while year-to-date and one-year returns indicate a decline relative to the broader market. Notably, the company has demonstrated impressive growth over three and five years, significantly surpassing the Sensex returns during those periods.