Nifty

:

23587.50

Sensex

:

78041.59

-364.20 (-1.52%)
-1176.46 (-1.49%)

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Nifty
Sensex

:
:

23587.50
78041.59

-364.20 (-1.52%)
-1176.46 (-1.49%)

PNB Housing Finance Ltd.

Finance - Housing

Rating :

N/A

BSE: 540173 | NSE: PNBHOUSING

Watchlist

NSE BSE

868.85

20-Dec-2024

Open
High
Low
Previous Close

873.00
878.95
843.20
872.10

Volume
Traded Value (lacs)
52 Week High
52 Week Low

1401273
12111.62
1202.20
604.00

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

22,552.83
13.42
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

48,691.29
N/A
1.42

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

14.69
-3.63
4.40

EBITDA CAGR (%)

10 Years
5 Years
3 Years

14.65
-2.06
3.18

PAT CAGR (%)

10 Years
5 Years
3 Years

22.91
18.47
21.71

P:E (Median)

8 Years
5 Years
3 Years

-
11.02
12.83

P:BV (Average)

8 Years
5 Years
3 Years

-
0.96
1.07

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
10.32
10.33

Earnings Forecasts:

Description 2024 2025 2026 2027
Adj EPS 58.06 72.02 83.39 100.61
P/E Ratio 15.09 12.17 10.51 8.71
Revenue 7050 3193 3867 4787
EBITDA 6259 2412 2984 3674
Net Income 1508 1845 2157 2644
ROA 2.2 2.4 2.4 2.4
P/Bk Ratio 1.52 1.36 1.2 1.07
ROE 11.61 11.72 12.17 13.03
FCFF -4700.8
FCFF Yield -8.25

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 1,867.53 1,766.14 5.74% 1,812.53 1,698.83 6.69% 1,800.72 1,626.81 10.69% 1,748.05 1,787.22 -2.19%
Expenses 129.86 189.75 -31.56% 152.72 187.35 -18.48% 155.59 260.85 -40.35% 206.21 409.10 -49.59%
EBITDA 1,737.67 1,576.39 10.23% 1,659.81 1,511.48 9.81% 1,645.13 1,365.96 20.44% 1,541.84 1,378.12 11.88%
EBIDTM 93.05% 89.26% 91.57% 88.97% 91.36% 83.97% 88.20% 77.11%
Other Income 1.53 1.67 -8.38% 9.48 0.13 7,192.31% 5.02 1.00 402.00% 3.42 0.18 1,800.00%
Interest 1,118.79 1,057.62 5.78% 1,097.25 1,047.82 4.72% 1,069.99 1,008.33 6.12% 1,086.99 996.64 9.07%
Depreciation 13.82 11.27 22.63% 13.31 12.56 5.97% 14.13 12.57 12.41% 13.02 12.55 3.75%
PBT 606.59 509.17 19.13% 558.73 451.23 23.82% 566.03 346.06 63.56% 445.25 369.11 20.63%
Tax 134.89 124.77 8.11% 120.02 98.55 21.79% 122.23 63.15 93.56% 98.71 96.86 1.91%
PAT 471.70 384.40 22.71% 438.71 352.68 24.39% 443.80 282.91 56.87% 346.54 272.25 27.29%
PATM 25.26% 21.77% 24.20% 20.76% 24.65% 17.39% 19.82% 15.23%
EPS 18.16 14.80 22.70% 16.89 13.58 24.37% 17.08 10.89 56.84% 13.34 10.48 27.29%

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 1,878.68 1,777.75 5.68% 1,823.06 1,707.63 6.76% 1,809.95 1,635.71 10.65% 1,754.75 1,796.51 -2.32%
Expenses 142.58 203.66 -29.99% 167.62 200.91 -16.57% 170.28 274.54 -37.98% 216.03 420.70 -48.65%
EBITDA 1,736.10 1,574.09 10.29% 1,655.44 1,506.72 9.87% 1,639.67 1,361.17 20.46% 1,538.72 1,375.81 11.84%
EBIDTM 92.41% 88.54% 90.81% 88.23% 90.59% 83.22% 87.69% 76.58%
Other Income 0.98 1.65 -40.61% 9.02 0.09 9,922.22% 4.02 2.01 100.00% 1.25 0.01 12,400.00%
Interest 1,118.50 1,057.30 5.79% 1,096.93 1,047.50 4.72% 1,069.70 1,008.05 6.12% 1,086.62 996.34 9.06%
Depreciation 13.85 11.33 22.24% 13.35 12.63 5.70% 14.18 12.63 12.27% 13.05 12.60 3.57%
PBT 604.73 507.11 19.25% 554.18 446.68 24.07% 559.81 342.50 63.45% 440.30 366.88 20.01%
Tax 135.05 124.11 8.81% 121.37 99.36 22.15% 120.56 63.22 90.70% 101.86 97.75 4.20%
PAT 469.68 383.00 22.63% 432.81 347.32 24.61% 439.25 279.28 57.28% 338.44 269.13 25.75%
PATM 25.00% 21.54% 23.74% 20.34% 24.27% 17.07% 19.29% 14.98%
EPS 18.08 14.75 22.58% 16.66 13.38 24.51% 16.91 13.69 23.52% 13.03 13.20 -1.29%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Sales 7,228.83 7,013.74 6,490.55 6,141.09 7,569.63 8,478.32 7,480.86 5,488.06 3,907.70 2,697.92 1,780.38 Net Sales Growth 5.09% 8.06% 5.69% -18.87% -10.72% 13.33% 36.31% 40.44% 44.84% 51.54% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 7,228.83 7,013.74 6,490.55 6,141.09 7,569.63 8,478.32 7,480.86 5,488.06 3,907.70 2,697.92 1,780.38 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 644.38 920.25 2,299.43 964.41 1,242.32 1,719.98 707.97 692.97 441.56 320.25 227.41 Power & Fuel Cost - 9.33 8.71 7.39 7.02 0.00 0.00 0.00 4.90 4.15 2.99 % Of Sales - 0.13% 0.13% 0.12% 0.09% 0% 0% 0% 0.13% 0.15% 0.17% Employee Cost - 264.13 214.34 180.05 176.37 195.28 211.33 142.72 101.26 75.28 67.06 % Of Sales - 3.77% 3.30% 2.93% 2.33% 2.30% 2.82% 2.60% 2.59% 2.79% 3.77% Manufacturing Exp. - 167.13 104.50 80.50 87.16 37.27 144.51 131.55 26.33 20.86 30.73 % Of Sales - 2.38% 1.61% 1.31% 1.15% 0.44% 1.93% 2.40% 0.67% 0.77% 1.73% General & Admin Exp. - 111.77 97.61 96.98 59.46 155.58 145.72 122.50 204.84 135.13 89.91 % Of Sales - 1.59% 1.50% 1.58% 0.79% 1.84% 1.95% 2.23% 5.24% 5.01% 5.05% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 377.22 1,882.98 606.88 919.33 1,331.85 206.41 296.20 109.13 88.98 0.00 % Of Sales - 5.38% 29.01% 9.88% 12.14% 15.71% 2.76% 5.40% 2.79% 3.30% 2.23% EBITDA 6,584.45 6,093.49 4,191.12 5,176.68 6,327.31 6,758.34 6,772.89 4,795.09 3,466.14 2,377.67 1,552.97 EBITDA Margin 91.09% 86.88% 64.57% 84.30% 83.59% 79.71% 90.54% 87.37% 88.70% 88.13% 87.23% Other Income 19.45 193.51 1,127.94 5.32 18.78 7.60 3.74 0.63 0.15 0.75 0.00 Interest 4,373.02 4,264.34 3,901.02 4,066.05 5,100.59 5,875.30 5,167.29 3,537.03 2,643.65 1,860.29 1,250.24 Depreciation 54.28 50.98 51.23 53.18 58.78 65.64 31.29 24.11 18.63 15.04 8.28 PBT 2,176.60 1,971.68 1,366.81 1,062.77 1,186.72 825.00 1,578.05 1,234.58 804.01 503.09 294.45 Tax 475.85 444.26 310.54 240.85 261.50 142.69 496.67 392.44 280.28 176.62 100.38 Tax Rate 21.86% 22.53% 22.72% 22.66% 22.04% 17.30% 31.47% 31.79% 34.86% 35.11% 34.09% PAT 1,700.75 1,527.42 1,056.27 821.92 925.22 682.31 1,081.38 842.14 523.73 326.47 194.07 PAT before Minority Interest 1,700.75 1,527.42 1,056.27 821.92 925.22 682.31 1,081.38 842.14 523.73 326.47 194.07 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 23.53% 21.78% 16.27% 13.38% 12.22% 8.05% 14.46% 15.34% 13.40% 12.10% 10.90% PAT Growth 31.61% 44.61% 28.51% -11.16% 35.60% -36.90% 28.41% 60.80% 60.42% 68.22% EPS 65.46 58.79 40.66 31.64 35.61 26.26 41.62 32.41 20.16 12.57 7.47

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18
Net Sales 7,266.44 7,050.08 6,527.33 6,195.93 7,608.63 8,482.31 7,679.32 5,488.71 Net Sales Growth 5.04% 8.01% 5.35% -18.57% -10.30% 10.46% 39.91% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 7,266.44 7,050.08 6,527.33 6,195.93 7,608.63 8,482.31 7,679.32 5,488.71 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 696.51 972.22 2,343.45 999.03 1,261.83 1,737.69 750.26 693.60 Power & Fuel Cost - 9.35 8.73 7.45 7.04 0.00 0.00 0.00 % Of Sales - 0.13% 0.13% 0.12% 0.09% 0% 0% 0% Employee Cost - 337.34 265.96 216.61 211.29 233.06 303.88 144.14 % Of Sales - 4.78% 4.07% 3.50% 2.78% 2.75% 3.96% 2.63% Manufacturing Exp. - 131.35 84.94 66.69 67.91 38.18 116.62 130.30 % Of Sales - 1.86% 1.30% 1.08% 0.89% 0.45% 1.52% 2.37% General & Admin Exp. - 125.76 108.57 106.76 60.99 131.84 123.35 122.96 % Of Sales - 1.78% 1.66% 1.72% 0.80% 1.55% 1.61% 2.24% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 377.77 1,883.98 608.97 921.64 1,334.61 206.41 296.20 % Of Sales - 5.36% 28.86% 9.83% 12.11% 15.73% 2.69% 5.40% EBITDA 6,569.93 6,077.86 4,183.88 5,196.90 6,346.80 6,744.62 6,929.06 4,795.11 EBITDA Margin 90.41% 86.21% 64.10% 83.88% 83.42% 79.51% 90.23% 87.36% Other Income 15.27 190.28 1,128.43 5.31 20.16 7.71 3.90 0.63 Interest 4,371.75 4,263.05 3,899.96 4,064.86 5,100.92 5,875.47 5,167.20 3,537.03 Depreciation 54.43 51.19 51.44 53.39 59.01 65.85 31.37 24.13 PBT 2,159.02 1,953.90 1,360.91 1,083.96 1,207.03 811.01 1,734.39 1,234.58 Tax 478.84 445.89 314.91 247.48 277.13 164.77 542.87 393.43 Tax Rate 22.18% 22.82% 23.14% 22.83% 22.96% 20.32% 31.30% 31.87% PAT 1,680.18 1,508.01 1,046.00 836.48 929.90 646.24 1,191.52 841.15 PAT before Minority Interest 1,680.18 1,508.01 1,046.00 836.48 929.90 646.24 1,191.52 841.15 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 23.12% 21.39% 16.02% 13.50% 12.22% 7.62% 15.52% 15.33% PAT Growth 31.39% 44.17% 25.05% -10.05% 43.89% -45.76% 41.65% EPS 64.67 58.05 40.26 32.20 35.79 24.87 45.86 32.38

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 14,932.37 10,952.57 9,800.54 8,867.18 7,947.16 7,435.01 6,568.35 5,577.31 2,145.90 1,578.73 Share Capital 259.72 168.86 168.60 168.27 168.19 167.47 166.59 165.64 126.92 103.85 Total Reserves 14,626.10 10,733.50 9,576.40 8,625.62 7,711.65 7,211.43 6,374.42 5,411.67 2,018.98 1,474.88 Non-Current Liabilities 46,652.79 47,109.03 45,576.42 50,715.13 60,508.68 56,263.84 38,978.79 24,477.17 16,938.41 11,455.67 Secured Loans 28,564.22 28,382.12 28,241.91 35,354.67 45,531.59 42,854.10 28,282.37 16,064.52 11,603.94 8,117.86 Unsecured Loans 18,191.95 18,851.35 17,678.12 15,514.65 15,011.60 13,219.67 10,529.04 8,019.44 5,042.28 2,987.28 Long Term Provisions 19.78 17.39 17.12 17.97 16.43 23.39 16.81 242.45 160.93 81.58 Current Liabilities 11,174.46 8,681.19 10,229.26 11,320.73 10,142.89 20,000.18 17,862.25 12,905.07 10,586.64 6,000.84 Trade Payables 47.44 44.47 27.14 27.80 83.54 132.16 123.66 93.56 75.24 56.66 Other Current Liabilities 2,350.75 2,165.71 2,805.31 2,702.84 2,864.70 4,082.60 2,334.32 4,836.06 2,991.87 2,444.34 Short Term Borrowings 8,260.37 6,387.63 7,041.09 8,524.50 7,192.65 15,785.08 14,965.29 7,947.41 7,448.41 3,447.26 Short Term Provisions 515.90 83.38 355.72 65.59 2.00 0.34 438.98 28.04 71.12 52.57 Total Liabilities 72,759.62 66,742.79 65,606.22 70,903.04 78,598.73 83,699.03 63,409.39 42,959.55 29,670.95 19,035.24 Net Block 205.93 145.33 149.46 317.13 456.26 232.86 254.09 58.40 58.11 39.58 Gross Block 438.90 399.61 361.67 477.24 570.72 286.01 277.65 104.30 85.55 52.20 Accumulated Depreciation 232.97 254.28 212.21 160.11 114.46 53.15 23.56 45.90 27.44 12.62 Non Current Assets 66,893.13 60,402.89 57,792.30 62,969.97 69,105.69 75,972.44 58,632.03 37,744.00 26,655.83 14,784.60 Capital Work in Progress 15.25 3.16 3.54 2.38 4.06 5.17 9.69 2.03 4.05 18.10 Non Current Investment 2,429.70 2,317.17 2,234.48 1,942.09 1,953.59 1,386.88 1,183.54 961.35 782.10 219.13 Long Term Loans & Adv. 26.07 17.33 17.06 16.46 18.73 18.75 16.49 12.66 6.13 5.22 Other Non Current Assets 10.91 10.85 6.49 4.54 4.37 1.31 0.95 265.77 181.88 120.40 Current Assets 5,866.49 6,339.90 7,705.09 7,933.07 9,493.04 7,726.59 4,777.36 5,215.55 3,015.12 4,250.63 Current Investments 1,915.56 870.85 1,237.54 90.83 95.28 3,071.11 1,230.18 2,318.21 840.17 1,366.85 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 52.15 0.01 39.02 15.03 5.84 26.74 0.33 0.00 0.00 0.00 Cash & Bank 2,498.63 3,692.57 5,114.84 6,906.50 8,512.53 4,026.08 2,816.93 151.47 248.54 293.14 Other Current Assets 1,400.15 1,397.35 899.10 915.45 879.39 602.66 729.92 2,745.87 1,926.41 2,590.64 Short Term Loans & Adv. 721.41 379.12 414.59 5.26 46.54 102.81 502.55 2,187.62 1,616.28 1,599.72 Net Current Assets -5,307.97 -2,341.29 -2,524.17 -3,387.66 -649.85 -12,273.59 -13,084.89 -7,689.52 -7,571.52 -1,750.20 Total Assets 72,759.62 66,742.79 65,497.39 70,903.04 78,598.73 83,699.03 63,409.39 42,959.55 29,670.95 19,035.23

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18
Shareholder's Funds 14,974.44 11,013.86 9,871.63 8,923.03 7,997.77 7,543.90 6,567.34 Share Capital 259.72 168.86 168.60 168.27 168.19 167.47 166.59 Total Reserves 14,668.17 10,794.79 9,647.49 8,681.47 7,762.26 7,320.32 6,373.41 Non-Current Liabilities 46,653.09 47,109.52 45,576.54 50,714.02 60,497.96 56,391.21 39,108.82 Secured Loans 28,564.22 28,382.12 28,241.91 35,354.67 45,531.59 42,854.10 28,282.37 Unsecured Loans 18,192.00 18,851.63 17,678.13 15,513.27 15,010.86 13,219.67 10,529.04 Long Term Provisions 20.23 17.72 17.33 18.39 16.94 24.92 16.84 Current Liabilities 11,167.24 8,701.40 10,242.37 11,325.52 10,148.06 19,872.89 17,730.80 Trade Payables 19.74 30.25 16.29 17.82 86.92 127.16 119.60 Other Current Liabilities 2,369.52 2,186.77 2,825.16 2,720.27 2,866.49 3,960.31 2,206.06 Short Term Borrowings 8,260.37 6,387.63 7,041.09 8,524.50 7,192.65 15,785.08 14,965.29 Short Term Provisions 517.61 96.75 359.83 62.93 2.00 0.34 439.85 Total Liabilities 72,794.77 66,824.78 65,690.54 70,962.57 78,643.79 83,808.00 63,406.96 Net Block 206.27 145.79 149.87 317.75 457.09 233.66 254.25 Gross Block 440.42 401.05 362.83 478.40 571.86 286.91 277.83 Accumulated Depreciation 234.15 255.26 212.96 160.65 114.77 53.25 23.58 Non Current Assets 66,798.56 60,335.51 57,748.62 62,928.65 69,066.93 78,839.08 58,629.87 Capital Work in Progress 15.25 3.16 3.54 2.38 4.06 5.17 9.69 Non Current Investment 2,429.45 2,316.92 2,234.23 1,941.84 1,953.34 4,291.01 1,183.29 Long Term Loans & Adv. 26.07 17.33 17.06 16.47 18.74 18.75 16.49 Other Non Current Assets 12.77 12.00 7.45 5.49 5.68 2.61 1.35 Current Assets 5,996.21 6,489.27 7,833.09 8,033.92 9,576.86 4,968.92 4,777.09 Current Investments 1,916.56 879.37 1,248.47 102.98 122.95 270.22 1,230.23 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 51.53 12.87 42.80 44.94 44.90 38.88 0.33 Cash & Bank 2,606.93 3,796.20 5,216.09 6,968.63 8,514.39 4,034.07 2,816.98 Other Current Assets 1,421.19 1,397.35 899.10 911.88 894.62 625.75 729.55 Short Term Loans & Adv. 742.45 403.48 426.63 5.49 64.23 120.62 503.05 Net Current Assets -5,171.03 -2,212.13 -2,409.28 -3,291.60 -571.20 -14,903.97 -12,953.71 Total Assets 72,794.77 66,824.78 65,581.71 70,962.57 78,643.79 83,808.00 63,406.96

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity -4,644.14 -1,772.04 6,216.35 6,565.56 8,911.14 -16,625.74 -15,663.79 -12,406.47 -9,664.46 -6,790.98 PBT 1,971.68 1,366.81 1,062.77 1,186.72 825.00 1,578.05 1,234.58 804.01 503.09 294.45 Adjustment 4,631.88 4,594.25 5,078.31 5,796.96 1,257.18 42.47 289.74 121.53 98.37 46.61 Changes in Working Capital -6,718.74 -3,455.04 4,826.27 5,106.89 7,149.54 -17,748.76 -16,714.67 -13,060.08 -10,100.48 -7,039.97 Cash after chg. in Working capital -115.18 2,506.02 10,967.35 12,090.57 9,231.72 -16,128.24 -15,190.35 -12,134.54 -9,499.02 -6,698.91 Interest Paid -4,182.42 -3,980.99 -4,405.19 -5,219.83 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -346.54 -297.07 -345.81 -305.18 -320.58 -497.50 -473.44 -271.93 -165.44 -89.37 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -2.70 Cash From Investing Activity -1,193.48 173.63 -1,476.23 5.33 -62.41 -53.25 -49.51 -16.88 -19.64 -37.34 Net Fixed Assets -51.38 -37.56 114.41 95.16 -283.60 -3.84 -181.01 -16.73 -19.30 -36.49 Net Investments -1,157.24 284.00 -1,439.10 15.95 2,409.12 -2,044.27 865.84 -1,657.29 -36.29 -940.50 Others 15.14 -72.81 -151.54 -105.78 -2,187.93 1,994.86 -734.34 1,657.14 35.95 939.65 Cash from Financing Activity 4,178.64 301.47 -6,732.19 -8,176.92 -4,362.24 17,888.06 18,464.32 12,322.49 9,803.90 6,850.49 Net Cash Inflow / Outflow -1,658.98 -1,296.94 -1,992.07 -1,606.03 4,486.49 1,209.07 2,751.02 -100.86 119.80 22.17 Opening Cash & Equivalents 3,617.42 4,914.36 6,906.43 8,512.46 4,025.97 2,816.90 65.88 166.71 46.92 24.75 Closing Cash & Equivalent 1,958.44 3,617.42 4,914.36 6,906.43 8,512.46 4,025.97 2,816.90 65.85 166.72 46.92

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18
Cash From Operating Activity -4,661.51 -1,865.03 6,254.26 6,611.28 8,928.50 -16,617.08 -15,663.56 PBT 1,953.90 1,360.91 1,083.96 1,207.03 811.01 1,734.39 1,234.58 Adjustment 4,658.50 4,617.63 5,033.90 5,809.89 1,272.42 13.38 290.17 Changes in Working Capital -6,735.13 -3,559.31 4,900.12 5,109.37 7,189.37 -17,794.23 -16,714.37 Cash after chg. in Working capital -122.73 2,419.23 11,017.98 12,126.29 9,272.80 -16,046.46 -15,189.62 Interest Paid -4,181.12 -3,979.92 -4,404.01 -5,219.27 0.00 0.00 0.00 Tax Paid -357.66 -304.34 -359.71 -295.74 -344.30 -570.62 -473.94 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -1,186.08 175.78 -1,474.99 20.55 -62.53 -53.97 -49.69 Net Fixed Assets -51.38 -37.56 114.41 95.16 -283.60 -3.84 Net Investments -1,157.24 284.00 -1,439.10 15.95 2,409.12 -2,044.27 Others 22.54 -70.66 -150.30 -90.56 -2,188.05 1,994.14 Cash from Financing Activity 4,178.63 301.47 -6,732.22 -8,177.59 -4,385.61 17,888.06 18,464.32 Net Cash Inflow / Outflow -1,668.96 -1,387.78 -1,952.95 -1,545.76 4,480.36 1,217.01 2,751.07 Opening Cash & Equivalents 3,627.83 5,015.61 6,968.56 8,514.32 4,033.96 2,816.95 65.88 Closing Cash & Equivalent 1,958.87 3,627.83 5,015.61 6,968.56 8,514.32 4,033.96 2,816.95

Financial Ratios

Standalone /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value (Rs.) 573.15 534.56 478.55 522.61 468.51 440.61 392.64 336.71 169.07 152.03 ROA 2.19% 1.60% 1.20% 1.24% 0.84% 1.47% 1.58% 1.44% 1.34% 1.27% ROE 11.85% 10.23% 8.87% 11.10% 8.94% 15.54% 13.90% 13.56% 17.53% 15.45% ROCE 9.27% 8.27% 7.83% 8.74% 8.65% 9.66% 9.41% 9.96% 10.21% 10.58% Fixed Asset Turnover 16.73 17.05 17.50 14.44 19.79 38.87 28.74 41.17 39.17 42.91 Receivable days 1.36 1.10 1.61 0.50 0.70 0.66 0.02 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 131.39 120.06 132.12 202.94 207.46 130.66 Cash Conversion Cycle 1.36 1.10 1.61 0.50 -130.69 -119.40 -132.09 -202.94 -207.46 -130.66 Total Debt/Equity 3.70 4.92 5.43 6.75 8.60 9.74 8.22 6.36 12.12 10.49 Interest Cover 1.46 1.35 1.26 1.23 1.14 1.31 1.35 1.30 1.27 1.24

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18
Book Value (Rs.) 574.77 537.56 482.04 525.92 471.52 447.11 392.58 ROA 2.16% 1.58% 1.22% 1.24% 0.80% 1.62% 1.33% ROE 11.65% 10.07% 8.96% 11.08% 8.38% 16.99% 12.86% ROCE 9.24% 8.25% 7.85% 8.76% 8.62% 9.88% 7.91% Fixed Asset Turnover 16.76 17.09 17.60 14.48 19.75 39.79 19.76 Receivable days 1.67 1.56 2.58 2.15 1.80 0.93 0.02 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 115.42 99.28 145.39 Cash Conversion Cycle 1.67 1.56 2.58 2.15 -113.61 -98.35 -145.37 Total Debt/Equity 3.69 4.89 5.40 6.71 8.54 9.60 8.22 Interest Cover 1.46 1.35 1.27 1.24 1.14 1.34 1.35

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