Share Price and Basic Stock Data
Last Updated: November 10, 2025, 9:58 pm
| PEG Ratio | 0.57 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
PNB Gilts Ltd operates in the finance and investments sector, with its stock currently priced at ₹91.4 and a market capitalization of ₹1,645 Cr. The company has shown significant revenue growth, with reported sales increasing from ₹1,230 Cr in FY 2023 to ₹1,676 Cr in FY 2025, reflecting a robust upward trend. The trailing twelve months (TTM) sales stood at ₹1,845 Cr, indicating continued momentum. Quarterly sales figures also reveal fluctuations, with the highest sales recorded at ₹563 Cr in June 2025, against ₹283 Cr in June 2022. This growth trajectory suggests a strong recovery post-pandemic and a potential shift in market positioning. The operating profit margin (OPM) has remained impressively high at 95%, underscoring the company’s effective cost management. However, the quarterly data shows variability in operating profits, with a peak of ₹538 Cr in June 2025, indicating operational resilience amid market challenges.
Profitability and Efficiency Metrics
PNB Gilts has demonstrated commendable profitability metrics, with a reported net profit of ₹340 Cr for FY 2025, a notable recovery from a loss of ₹77 Cr in FY 2023. The company’s return on equity (ROE) stood at 16.1%, indicating efficient utilization of shareholders’ equity, while the return on capital employed (ROCE) was recorded at 6.8%. These figures are favorable when compared to typical sector averages, reflecting a strong operational performance. The interest coverage ratio (ICR) of 1.24x indicates that the company can cover its interest obligations, although it remains relatively low compared to higher sector standards, suggesting potential vulnerability during downturns. The net profit margin, reported at 13.90%, also highlights the company’s ability to convert sales into actual profit, although the quarterly fluctuations in profit before tax and net profit suggest that consistency in earnings could be a concern moving forward.
Balance Sheet Strength and Financial Ratios
PNB Gilts’ balance sheet reflects a solid financial foundation, with total assets amounting to ₹24,702 Cr as of FY 2025. The company reported reserves of ₹1,365 Cr, indicating a healthy buffer for future investments or downturns. However, borrowings stood at ₹22,384 Cr, resulting in a high debt-to-equity ratio of 14.48x, which is significantly above typical sector benchmarks, indicating reliance on debt financing. The current ratio at 1.07x suggests adequate liquidity, while the quick ratio also mirrors this liquidity position. The book value per share rose to ₹85.84, providing a measure of shareholder equity. Nevertheless, the company’s high leverage poses risks, particularly in a rising interest rate environment, which could strain cash flows. The enterprise value of ₹23,567.20 Cr further illustrates the company’s market valuation versus its operational revenue, revealing the importance of maintaining operational efficiency amid heavy borrowing.
Shareholding Pattern and Investor Confidence
The shareholding pattern of PNB Gilts indicates a stable ownership structure, with promoters holding a significant 74.07% stake. This high level of promoter ownership typically reflects confidence in the company’s future prospects. Foreign institutional investors (FIIs) have gradually increased their stake from 0.31% in September 2022 to 0.53% by March 2025, suggesting growing interest from external investors. However, domestic institutional investors (DIIs) have not participated, maintaining a 0% stake throughout the observed period. The public shareholding has seen a slight decline to 25.40%, which may reflect cautious sentiment among retail investors. The total number of shareholders has also witnessed a decline from 84,896 in September 2022 to 83,245 in June 2025. This decrease could indicate a consolidation of ownership or potential investor disenchantment, which could affect liquidity and market dynamics in the future.
Outlook, Risks, and Final Insight
The outlook for PNB Gilts appears cautiously optimistic, bolstered by strong revenue growth and recovery in profitability metrics. However, significant risks remain, particularly the company’s high debt levels, which could lead to financial strain in adverse economic conditions, and the variability in quarterly profits, which may challenge sustained investor confidence. Additionally, the lack of participation from domestic institutional investors may hinder broader market acceptance. As PNB Gilts navigates these challenges, maintaining operational efficiency and managing debt obligations will be critical. The potential for increasing FIIs interest could provide a buffer against domestic investor reticence, enhancing overall market sentiment. If the company can capitalize on its strong revenue trends while addressing its leverage issues, it may solidify its position within the finance sector, attracting renewed investor interest and capital.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of PNB Gilts Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Monarch Networth Capital Ltd | 2,436 Cr. | 307 | 484/280 | 15.8 | 102 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 38.0 Cr. | 0.54 | 2.42/0.46 | 3.69 | 0.02 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.14 Cr. | 8.36 | 12.6/8.25 | 10.3 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 30.2 Cr. | 58.8 | 72.0/47.6 | 20.6 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Naperol Investments Ltd | 487 Cr. | 847 | 1,640/0.00 | 50.6 | 2,055 | 1.06 % | 1.06 % | 0.95 % | 10.0 |
| Industry Average | 6,854.90 Cr | 1,410.98 | 108.15 | 3,866.16 | 0.33% | 21.83% | 14.30% | 7.26 |
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: August 23, 2025, 2:17 pm
| 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 | 1,845 |
| Expenses | 12 | 16 | 16 | 18 | 70 | 21 | 31 | 32 | 43 | 349 | 55 | 52 | 109 |
| Operating Profit | 333 | 394 | 327 | 482 | 332 | 487 | 851 | 1,020 | 714 | 881 | 1,522 | 1,624 | 1,736 |
| OPM % | 96% | 96% | 95% | 96% | 83% | 96% | 96% | 97% | 94% | 72% | 97% | 97% | 94% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | -81 | -9 | 8 | 8 | 4 | 2 | 3 |
| Interest | 243 | 261 | 276 | 226 | 331 | 403 | 519 | 395 | 510 | 973 | 1,411 | 1,312 | 1,282 |
| 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 | 453 |
| 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 | 340 |
| 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 | 18.87 |
| 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: November 9, 2025, 2:42 pm
| 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 - No data available for this post.
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: 21.83%)
- 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: 14.3%)
- 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: 8.85 (Industry average Stock P/E: 108.15)
- 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%
FAQ
What is the intrinsic value of PNB Gilts Ltd?
PNB Gilts Ltd's intrinsic value (as of 10 November 2025) is 105.14 which is 19.75% higher the current market price of 87.80, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,580 Cr. market cap, FY2025-2026 high/low of 125/73.6, 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 1,580 Cr..
What is the current Stock Price of PNB Gilts Ltd as on 10 November 2025?
The current stock price of PNB Gilts Ltd as on 10 November 2025 is 87.8.
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 125/73.6.
What is the Stock P/E of PNB Gilts Ltd?
The Stock P/E of PNB Gilts Ltd is 8.85.
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 1.14 %.
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.