Share Price and Basic Stock Data
Last Updated: December 29, 2025, 11:32 am
| PEG Ratio | 5.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
PNB Gilts Ltd operates in the finance and investments sector, focusing on the government securities market. As of the latest reporting period, the company’s stock price stood at ₹81.4, with a market capitalization of ₹1,465 Cr. PNB Gilts reported a consistent upward trend in sales, with revenues increasing from ₹1,230 Cr in FY 2023 to ₹1,788 Cr in the trailing twelve months (TTM). This growth trajectory reflects a significant recovery from the previous fiscal years, particularly after a dip to ₹756 Cr in FY 2022. The company’s quarterly sales showed a robust performance, notably peaking at ₹563 Cr in June 2025, indicating a strong demand for its financial products. The operating profit margin (OPM) remained impressively high at 95%, signifying effective cost management and operational efficiency. Overall, the revenue growth aligns with the company’s strategic focus on expanding its market share in the government securities domain.
Profitability and Efficiency Metrics
PNB Gilts has demonstrated solid profitability metrics, with a reported net profit of ₹180 Cr and a return on equity (ROE) of 16.1%. The company’s profit margins have been notable, with the net profit margin standing at 13.90% in FY 2025, reflecting its ability to convert revenue into profit efficiently. The operating profit for FY 2025 recorded at ₹1,624 Cr, with an operating profit margin of 97%, showcases the company’s strong operational capabilities. Furthermore, the interest coverage ratio (ICR) of 1.24x indicates that PNB Gilts can comfortably meet its interest obligations, although it remains relatively low compared to typical sector standards. The return on capital employed (ROCE) stood at 7% for FY 2025, pointing to a moderate efficiency in utilizing capital for generating profits. While these figures highlight strong profitability, the company must continue to enhance operational efficiency to maintain its competitive edge in the market.
Balance Sheet Strength and Financial Ratios
PNB Gilts’ balance sheet reflects a significant reliance on borrowings, which totaled ₹24,843 Cr, against reserves of ₹1,462 Cr. This translates to a high debt-to-equity ratio of 14.48x, indicating a leveraged position that poses potential risks in a fluctuating interest rate environment. The company’s current ratio of 1.07x and quick ratio of 1.07x suggest adequate liquidity to cover short-term obligations, which is crucial for maintaining operational stability. Additionally, the book value per share increased to ₹85.84, supporting a solid capital structure. The enterprise value (EV) of ₹23,567.20 Cr relative to net operating revenue suggests that the market may be pricing the company at a premium, which can be interpreted as a positive outlook from investors. However, the reliance on debt financing necessitates careful management to avoid financial strain, particularly in adverse market conditions.
Shareholding Pattern and Investor Confidence
The shareholding pattern of PNB Gilts showcases a strong promoter holding of 74.07%, indicating a stable and committed management. Foreign institutional investors (FIIs) have gradually increased their stake to 0.77%, up from 0.33% in December 2022, reflecting a growing confidence in the company’s prospects. However, the absence of domestic institutional investors (DIIs) may indicate a lack of interest from larger local funds, which could be a concern for long-term stability. The public shareholding stood at 25.17%, with a total of 85,116 shareholders, suggesting a broad retail investor base. This diversified ownership structure can provide resilience against market volatility. Nevertheless, the company’s ability to attract more institutional investment could enhance its credibility and support future growth initiatives.
Outlook, Risks, and Final Insight
Looking ahead, PNB Gilts is well-positioned for growth, driven by increasing demand for government securities and its strong operational metrics. However, the high leverage poses a risk, particularly if interest rates rise or market conditions deteriorate. Additionally, the company’s profitability could be impacted by fluctuations in the securities market and regulatory changes. Strengths such as a high operating profit margin and robust promoter holdings provide a solid foundation for future performance. Conversely, the reliance on debt financing and the low interest coverage ratio highlight areas that require careful monitoring. PNB Gilts must focus on improving its operational efficiency and potentially reducing debt levels to mitigate risks. A balanced approach to growth and risk management will be essential for sustaining its competitive position in the finance sector.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 12.2 Cr. | 41.6 | 67.7/36.4 | 48.8 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,411 Cr. | 304 | 484/280 | 15.5 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 30.2 Cr. | 0.43 | 1.86/0.38 | 4.19 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.30 Cr. | 10.7 | 11.9/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 20.8 Cr. | 40.6 | 72.0/40.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,256.90 Cr | 1,374.38 | 80.14 | 3,844.57 | 0.35% | 21.71% | 14.20% | 7.28 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 283 | 339 | 297 | 310 | 443 | 347 | 385 | 474 | 440 | 501 | 362 | 419 | 563 |
| Expenses | 212 | 85 | 33 | 18 | 13 | 67 | 34 | 13 | 14 | 12 | 59 | 12 | 26 |
| Operating Profit | 71 | 255 | 263 | 292 | 430 | 280 | 351 | 461 | 426 | 488 | 303 | 407 | 538 |
| OPM % | 25% | 75% | 89% | 94% | 97% | 81% | 91% | 97% | 97% | 98% | 84% | 97% | 95% |
| Other Income | -0 | 1 | 0 | 7 | 0 | 0 | 4 | 0 | 0 | 1 | 1 | 0 | 0 |
| Interest | 186 | 255 | 251 | 280 | 354 | 325 | 361 | 371 | 355 | 336 | 315 | 307 | 324 |
| Depreciation | 0 | 0 | 0 | 1 | 4 | 4 | 4 | 4 | 1 | 1 | 1 | 1 | 1 |
| Profit before tax | -115 | 1 | 12 | 18 | 72 | -49 | -10 | 86 | 71 | 153 | -12 | 99 | 213 |
| Tax % | -23% | 1,256% | 47% | 25% | 19% | -16% | 47% | 21% | 25% | 25% | -13% | 24% | 25% |
| Net Profit | -89 | -8 | 6 | 13 | 58 | -41 | -15 | 68 | 53 | 115 | -10 | 75 | 160 |
| EPS in Rs | -4.94 | -0.44 | 0.34 | 0.75 | 3.21 | -2.28 | -0.86 | 3.78 | 2.97 | 6.37 | -0.56 | 4.17 | 8.89 |
Last Updated: August 1, 2025, 3:20 pm
Below is a detailed analysis of the quarterly data for PNB Gilts Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 563.00 Cr.. The value appears strong and on an upward trend. It has increased from 419.00 Cr. (Mar 2025) to 563.00 Cr., marking an increase of 144.00 Cr..
- For Expenses, as of Jun 2025, the value is 26.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12.00 Cr. (Mar 2025) to 26.00 Cr., marking an increase of 14.00 Cr..
- For Operating Profit, as of Jun 2025, the value is 538.00 Cr.. The value appears strong and on an upward trend. It has increased from 407.00 Cr. (Mar 2025) to 538.00 Cr., marking an increase of 131.00 Cr..
- For OPM %, as of Jun 2025, the value is 95.00%. The value appears to be declining and may need further review. It has decreased from 97.00% (Mar 2025) to 95.00%, marking a decrease of 2.00%.
- For Other Income, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Interest, as of Jun 2025, the value is 324.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 307.00 Cr. (Mar 2025) to 324.00 Cr., marking an increase of 17.00 Cr..
- For Depreciation, as of Jun 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 213.00 Cr.. The value appears strong and on an upward trend. It has increased from 99.00 Cr. (Mar 2025) to 213.00 Cr., marking an increase of 114.00 Cr..
- For Tax %, as of Jun 2025, the value is 25.00%. The value appears to be increasing, which may not be favorable. It has increased from 24.00% (Mar 2025) to 25.00%, marking an increase of 1.00%.
- For Net Profit, as of Jun 2025, the value is 160.00 Cr.. The value appears strong and on an upward trend. It has increased from 75.00 Cr. (Mar 2025) to 160.00 Cr., marking an increase of 85.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 8.89. The value appears strong and on an upward trend. It has increased from 4.17 (Mar 2025) to 8.89, marking an increase of 4.72.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:49 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 346 | 410 | 343 | 500 | 402 | 508 | 882 | 1,052 | 756 | 1,230 | 1,577 | 1,676 | 1,788 |
| Expenses | 12 | 16 | 16 | 18 | 70 | 21 | 31 | 32 | 43 | 349 | 55 | 52 | 248 |
| Operating Profit | 333 | 394 | 327 | 482 | 332 | 487 | 851 | 1,020 | 714 | 881 | 1,522 | 1,624 | 1,539 |
| OPM % | 96% | 96% | 95% | 96% | 83% | 96% | 96% | 97% | 94% | 72% | 97% | 97% | 86% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | -81 | -9 | 8 | 8 | 4 | 2 | 2 |
| Interest | 243 | 261 | 276 | 226 | 331 | 403 | 519 | 395 | 510 | 973 | 1,411 | 1,312 | 1,292 |
| Depreciation | 1 | 1 | 0 | 0 | 0 | 0 | 1 | 2 | 1 | 1 | 15 | 3 | 3 |
| Profit before tax | 91 | 133 | 51 | 257 | 1 | 83 | 250 | 614 | 210 | -85 | 99 | 311 | 247 |
| Tax % | 32% | 33% | 33% | 35% | -8% | 36% | 25% | 26% | 21% | -9% | 30% | 25% | |
| Net Profit | 61 | 88 | 34 | 167 | 1 | 53 | 186 | 454 | 166 | -77 | 69 | 233 | 180 |
| EPS in Rs | 3.41 | 4.90 | 1.92 | 9.29 | 0.08 | 2.94 | 10.35 | 25.23 | 9.21 | -4.29 | 3.86 | 12.95 | 9.98 |
| Dividend Payout % | 26% | 31% | 57% | 27% | 1,277% | 48% | 29% | 40% | 54% | 0% | 26% | 8% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 44.26% | -61.36% | 391.18% | -99.40% | 5200.00% | 250.94% | 144.09% | -63.44% | -146.39% | 189.61% | 237.68% |
| Change in YoY Net Profit Growth (%) | 0.00% | -105.63% | 452.54% | -490.58% | 5299.40% | -4949.06% | -106.86% | -207.52% | -82.95% | 336.00% | 48.07% |
PNB Gilts Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 14% |
| 3 Years: | 30% |
| TTM: | 12% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | -1% |
| 3 Years: | 13% |
| TTM: | 435% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 18% |
| 3 Years: | 16% |
| 1 Year: | -23% |
| Return on Equity | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 13% |
| 3 Years: | 5% |
| Last Year: | 16% |
Last Updated: September 5, 2025, 12:20 pm
Balance Sheet
Last Updated: December 10, 2025, 3:14 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 180 | 180 | 180 | 180 | 180 | 180 | 180 | 180 | 180 | 180 | 180 | 180 | 180 |
| Reserves | 486 | 541 | 552 | 719 | 677 | 708 | 863 | 1,136 | 1,247 | 1,080 | 1,150 | 1,365 | 1,462 |
| Borrowings | 3,767 | 3,858 | 4,921 | 3,514 | 4,369 | 8,234 | 12,165 | 9,864 | 14,531 | 19,243 | 22,403 | 22,384 | 24,843 |
| Other Liabilities | 124 | 182 | 119 | 153 | 27 | 400 | 1,051 | 960 | 792 | 994 | 807 | 773 | 841 |
| Total Liabilities | 4,557 | 4,761 | 5,771 | 4,566 | 5,252 | 9,522 | 14,258 | 12,140 | 16,750 | 21,497 | 24,540 | 24,702 | 27,326 |
| Fixed Assets | 4 | 3 | 3 | 3 | 3 | 3 | 4 | 3 | 4 | 7 | 7 | 5 | 4 |
| CWIP | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | 13 | -0 | -0 | -0 |
| Investments | 695 | 328 | 640 | 443 | 4,999 | 8,818 | 12,965 | 10,907 | 15,267 | 18,518 | 23,008 | 23,165 | 24,852 |
| Other Assets | 3,857 | 4,430 | 5,128 | 4,120 | 251 | 701 | 1,290 | 1,230 | 1,480 | 2,959 | 1,525 | 1,532 | 2,470 |
| Total Assets | 4,557 | 4,761 | 5,771 | 4,566 | 5,252 | 9,522 | 14,258 | 12,140 | 16,750 | 21,497 | 24,540 | 24,702 | 27,326 |
Below is a detailed analysis of the balance sheet data for PNB Gilts Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 180.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 180.00 Cr..
- For Reserves, as of Sep 2025, the value is 1,462.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,365.00 Cr. (Mar 2025) to 1,462.00 Cr., marking an increase of 97.00 Cr..
- For Borrowings, as of Sep 2025, the value is 24,843.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 22,384.00 Cr. (Mar 2025) to 24,843.00 Cr., marking an increase of 2,459.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 841.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 773.00 Cr. (Mar 2025) to 841.00 Cr., marking an increase of 68.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 27,326.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 24,702.00 Cr. (Mar 2025) to 27,326.00 Cr., marking an increase of 2,624.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 4.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5.00 Cr. (Mar 2025) to 4.00 Cr., marking a decrease of 1.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 24,852.00 Cr.. The value appears strong and on an upward trend. It has increased from 23,165.00 Cr. (Mar 2025) to 24,852.00 Cr., marking an increase of 1,687.00 Cr..
- For Other Assets, as of Sep 2025, the value is 2,470.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,532.00 Cr. (Mar 2025) to 2,470.00 Cr., marking an increase of 938.00 Cr..
- For Total Assets, as of Sep 2025, the value is 27,326.00 Cr.. The value appears strong and on an upward trend. It has increased from 24,702.00 Cr. (Mar 2025) to 27,326.00 Cr., marking an increase of 2,624.00 Cr..
However, the Borrowings (24,843.00 Cr.) are higher than the Reserves (1,462.00 Cr.), which may signal higher financial risk.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 330.00 | 391.00 | 323.00 | 479.00 | 328.00 | 479.00 | 839.00 | -8.00 | 700.00 | 862.00 | -21.00 | -21.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -381 | -10 | 63 | 319 | 93 | 102 | -136 | 69 | 181 | 129 | 39 | 96 |
| ROCE % | 8% | 9% | 6% | 10% | 7% | 7% | 8% | 8% | 5% | 5% | 7% | 7% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 12.95 | 3.86 | -4.29 | 9.21 | 25.23 |
| Diluted EPS (Rs.) | 12.95 | 3.86 | -4.29 | 9.21 | 25.23 |
| Cash EPS (Rs.) | 13.14 | 4.71 | -4.21 | 9.27 | 25.33 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 85.84 | 73.87 | 70.00 | 79.29 | 73.13 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 85.84 | 73.87 | 70.00 | 79.29 | 73.13 |
| Dividend / Share (Rs.) | 1.00 | 1.00 | 0.00 | 5.00 | 10.00 |
| Revenue From Operations / Share (Rs.) | 93.10 | 87.57 | 68.32 | 54.98 | 58.44 |
| PBDIT / Share (Rs.) | 90.25 | 84.54 | 48.96 | 39.71 | 56.65 |
| PBIT / Share (Rs.) | 90.06 | 83.69 | 48.88 | 39.65 | 56.55 |
| PBT / Share (Rs.) | 17.27 | 5.49 | -4.72 | 11.67 | 34.13 |
| Net Profit / Share (Rs.) | 12.95 | 3.86 | -4.29 | 9.21 | 25.23 |
| PBDIT Margin (%) | 96.93 | 96.54 | 71.66 | 72.22 | 96.93 |
| PBIT Margin (%) | 96.72 | 95.56 | 71.55 | 72.10 | 96.75 |
| PBT Margin (%) | 18.55 | 6.26 | -6.91 | 21.23 | 58.39 |
| Net Profit Margin (%) | 13.90 | 4.40 | -6.27 | 16.74 | 43.16 |
| Return on Networth / Equity (%) | 15.08 | 5.21 | -6.12 | 11.61 | 34.49 |
| Return on Capital Employeed (%) | 104.64 | 112.50 | 69.51 | 49.75 | 75.61 |
| Return On Assets (%) | 0.94 | 0.28 | -0.35 | 0.98 | 3.74 |
| Total Debt / Equity (X) | 14.48 | 16.84 | 15.27 | 10.18 | 7.49 |
| Asset Turnover Ratio (%) | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 |
| Current Ratio (X) | 1.07 | 1.06 | 1.06 | 1.09 | 1.12 |
| Quick Ratio (X) | 1.07 | 1.06 | 1.06 | 1.09 | 1.12 |
| Dividend Payout Ratio (NP) (%) | 7.72 | 0.00 | 0.00 | 32.58 | 39.63 |
| Dividend Payout Ratio (CP) (%) | 7.61 | 0.00 | 0.00 | 32.36 | 39.47 |
| Earning Retention Ratio (%) | 92.28 | 0.00 | 0.00 | 67.42 | 60.37 |
| Cash Earning Retention Ratio (%) | 92.39 | 0.00 | 0.00 | 67.64 | 60.53 |
| Interest Coverage Ratio (X) | 1.24 | 1.08 | 0.90 | 1.40 | 2.58 |
| Interest Coverage Ratio (Post Tax) (X) | 1.18 | 1.05 | 0.91 | 1.31 | 2.17 |
| Enterprise Value (Cr.) | 23567.20 | 24070.34 | 19951.10 | 15551.43 | 10719.61 |
| EV / Net Operating Revenue (X) | 14.06 | 15.27 | 16.22 | 15.71 | 10.19 |
| EV / EBITDA (X) | 14.51 | 15.82 | 22.64 | 21.76 | 10.51 |
| MarketCap / Net Operating Revenue (X) | 0.86 | 1.25 | 0.83 | 1.08 | 0.82 |
| Retention Ratios (%) | 92.27 | 0.00 | 0.00 | 67.41 | 60.36 |
| Price / BV (X) | 0.93 | 1.48 | 0.81 | 0.75 | 0.65 |
| Price / Net Operating Revenue (X) | 0.86 | 1.25 | 0.83 | 1.08 | 0.82 |
| EarningsYield | 0.16 | 0.03 | -0.07 | 0.15 | 0.52 |
After reviewing the key financial ratios for PNB Gilts Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 12.95. This value is within the healthy range. It has increased from 3.86 (Mar 24) to 12.95, marking an increase of 9.09.
- For Diluted EPS (Rs.), as of Mar 25, the value is 12.95. This value is within the healthy range. It has increased from 3.86 (Mar 24) to 12.95, marking an increase of 9.09.
- For Cash EPS (Rs.), as of Mar 25, the value is 13.14. This value is within the healthy range. It has increased from 4.71 (Mar 24) to 13.14, marking an increase of 8.43.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 85.84. It has increased from 73.87 (Mar 24) to 85.84, marking an increase of 11.97.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 85.84. It has increased from 73.87 (Mar 24) to 85.84, marking an increase of 11.97.
- For Dividend / Share (Rs.), as of Mar 25, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.00.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 93.10. It has increased from 87.57 (Mar 24) to 93.10, marking an increase of 5.53.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 90.25. This value is within the healthy range. It has increased from 84.54 (Mar 24) to 90.25, marking an increase of 5.71.
- For PBIT / Share (Rs.), as of Mar 25, the value is 90.06. This value is within the healthy range. It has increased from 83.69 (Mar 24) to 90.06, marking an increase of 6.37.
- For PBT / Share (Rs.), as of Mar 25, the value is 17.27. This value is within the healthy range. It has increased from 5.49 (Mar 24) to 17.27, marking an increase of 11.78.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 12.95. This value is within the healthy range. It has increased from 3.86 (Mar 24) to 12.95, marking an increase of 9.09.
- For PBDIT Margin (%), as of Mar 25, the value is 96.93. This value is within the healthy range. It has increased from 96.54 (Mar 24) to 96.93, marking an increase of 0.39.
- For PBIT Margin (%), as of Mar 25, the value is 96.72. This value exceeds the healthy maximum of 20. It has increased from 95.56 (Mar 24) to 96.72, marking an increase of 1.16.
- For PBT Margin (%), as of Mar 25, the value is 18.55. This value is within the healthy range. It has increased from 6.26 (Mar 24) to 18.55, marking an increase of 12.29.
- For Net Profit Margin (%), as of Mar 25, the value is 13.90. This value exceeds the healthy maximum of 10. It has increased from 4.40 (Mar 24) to 13.90, marking an increase of 9.50.
- For Return on Networth / Equity (%), as of Mar 25, the value is 15.08. This value is within the healthy range. It has increased from 5.21 (Mar 24) to 15.08, marking an increase of 9.87.
- For Return on Capital Employeed (%), as of Mar 25, the value is 104.64. This value is within the healthy range. It has decreased from 112.50 (Mar 24) to 104.64, marking a decrease of 7.86.
- For Return On Assets (%), as of Mar 25, the value is 0.94. This value is below the healthy minimum of 5. It has increased from 0.28 (Mar 24) to 0.94, marking an increase of 0.66.
- For Total Debt / Equity (X), as of Mar 25, the value is 14.48. This value exceeds the healthy maximum of 1. It has decreased from 16.84 (Mar 24) to 14.48, marking a decrease of 2.36.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.06. There is no change compared to the previous period (Mar 24) which recorded 0.06.
- For Current Ratio (X), as of Mar 25, the value is 1.07. This value is below the healthy minimum of 1.5. It has increased from 1.06 (Mar 24) to 1.07, marking an increase of 0.01.
- For Quick Ratio (X), as of Mar 25, the value is 1.07. This value is within the healthy range. It has increased from 1.06 (Mar 24) to 1.07, marking an increase of 0.01.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 7.72. This value is below the healthy minimum of 20. It has increased from 0.00 (Mar 24) to 7.72, marking an increase of 7.72.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 7.61. This value is below the healthy minimum of 20. It has increased from 0.00 (Mar 24) to 7.61, marking an increase of 7.61.
- For Earning Retention Ratio (%), as of Mar 25, the value is 92.28. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 24) to 92.28, marking an increase of 92.28.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 92.39. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 24) to 92.39, marking an increase of 92.39.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.24. This value is below the healthy minimum of 3. It has increased from 1.08 (Mar 24) to 1.24, marking an increase of 0.16.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.18. This value is below the healthy minimum of 3. It has increased from 1.05 (Mar 24) to 1.18, marking an increase of 0.13.
- For Enterprise Value (Cr.), as of Mar 25, the value is 23,567.20. It has decreased from 24,070.34 (Mar 24) to 23,567.20, marking a decrease of 503.14.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 14.06. This value exceeds the healthy maximum of 3. It has decreased from 15.27 (Mar 24) to 14.06, marking a decrease of 1.21.
- For EV / EBITDA (X), as of Mar 25, the value is 14.51. This value is within the healthy range. It has decreased from 15.82 (Mar 24) to 14.51, marking a decrease of 1.31.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 0.86. This value is below the healthy minimum of 1. It has decreased from 1.25 (Mar 24) to 0.86, marking a decrease of 0.39.
- For Retention Ratios (%), as of Mar 25, the value is 92.27. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 24) to 92.27, marking an increase of 92.27.
- For Price / BV (X), as of Mar 25, the value is 0.93. This value is below the healthy minimum of 1. It has decreased from 1.48 (Mar 24) to 0.93, marking a decrease of 0.55.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 0.86. This value is below the healthy minimum of 1. It has decreased from 1.25 (Mar 24) to 0.86, marking a decrease of 0.39.
- For EarningsYield, as of Mar 25, the value is 0.16. This value is below the healthy minimum of 5. It has increased from 0.03 (Mar 24) to 0.16, marking an increase of 0.13.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in PNB Gilts Ltd:
- Net Profit Margin: 13.9%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 104.64% (Industry Average ROCE: 21.71%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 15.08% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.18
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.07
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 8.09 (Industry average Stock P/E: 80.14)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 14.48
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 13.9%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Investment Company | 5, Sansad Marg, New Delhi Delhi 110001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Kalyan Kumar | Chairman, Non Ind & Non Exe Director |
| Mr. Pareed Sunil | Managing Director & CEO |
| Dr. T M Bhasin | Independent Director |
| Mr. Gopal Singh Gusain | Independent Director |
| Mr. Raj Kamal Verma | Independent Director |
| Dr. Rekha Jain | Independent Director |
| Mr. Amith Kumar Srivastava | Non Exe.Non Ind.Director |
FAQ
What is the intrinsic value of PNB Gilts Ltd?
PNB Gilts Ltd's intrinsic value (as of 29 December 2025) is 96.22 which is 19.68% higher the current market price of 80.40, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,446 Cr. market cap, FY2025-2026 high/low of 120/73.6, reserves of ₹1,462 Cr, and liabilities of 27,326 Cr.
What is the Market Cap of PNB Gilts Ltd?
The Market Cap of PNB Gilts Ltd is 1,446 Cr..
What is the current Stock Price of PNB Gilts Ltd as on 29 December 2025?
The current stock price of PNB Gilts Ltd as on 29 December 2025 is 80.4.
What is the High / Low of PNB Gilts Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of PNB Gilts Ltd stocks is 120/73.6.
What is the Stock P/E of PNB Gilts Ltd?
The Stock P/E of PNB Gilts Ltd is 8.09.
What is the Book Value of PNB Gilts Ltd?
The Book Value of PNB Gilts Ltd is 91.2.
What is the Dividend Yield of PNB Gilts Ltd?
The Dividend Yield of PNB Gilts Ltd is 1.25 %.
What is the ROCE of PNB Gilts Ltd?
The ROCE of PNB Gilts Ltd is 6.80 %.
What is the ROE of PNB Gilts Ltd?
The ROE of PNB Gilts Ltd is 16.1 %.
What is the Face Value of PNB Gilts Ltd?
The Face Value of PNB Gilts Ltd is 10.0.