Share Price and Basic Stock Data
Last Updated: January 17, 2026, 10:43 pm
| PEG Ratio | 3.71 |
|---|
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, with a current market capitalization of ₹1,439 Cr and a share price of ₹80. The company reported sales of ₹1,230 Cr for the fiscal year ending March 2023, up from ₹756 Cr in the previous fiscal year, reflecting a robust year-on-year growth rate. The latest trailing twelve months (TTM) revenue stands at ₹1,788 Cr, indicating a positive trend. Quarterly sales data shows fluctuations, with a peak of ₹474 Cr in June 2024 and a drop to ₹347 Cr in September 2023. This volatility may reflect seasonal effects or shifts in market demand. The operating profit margin (OPM) averaged 86% over the past year, significantly higher than industry standards, showcasing PNB Gilts’ strong operational efficiency. The company’s sales trajectory suggests a recovery and growth potential, aligning with the broader financial services sector’s recovery as noted in various reports.
Profitability and Efficiency Metrics
PNB Gilts has exhibited impressive profitability metrics, with a reported net profit of ₹180 Cr and a return on equity (ROE) of 16.1%, indicating effective utilization of shareholder funds. The company’s operating profit margin stood at 66%, showcasing its ability to maintain profitability despite fluctuating sales. However, the profit before tax figures have shown volatility, with a decline to -₹49 Cr in September 2023, followed by a recovery to ₹311 Cr in March 2025. This inconsistency highlights the impact of external factors on profitability. The interest coverage ratio (ICR) of 1.24x suggests that the company generates sufficient earnings to cover interest expenses, albeit with limited buffer. The reported return on capital employed (ROCE) of 6.80% indicates challenges in capital efficiency compared to industry norms, which typically range higher. Overall, while PNB Gilts demonstrates strong profitability, the fluctuations in profit before tax necessitate further scrutiny.
Balance Sheet Strength and Financial Ratios
PNB Gilts maintains a balance sheet characterized by substantial borrowings amounting to ₹24,843 Cr against reserves of ₹1,462 Cr. The total liabilities stood at ₹27,326 Cr, reflecting a significant leverage position with a debt-to-equity ratio of 14.48x. This high leverage may pose risks, particularly in interest rate fluctuations or economic downturns. The book value per share increased to ₹85.84, indicating that the company’s equity base is growing. The current ratio of 1.07x suggests that PNB Gilts can meet its short-term liabilities comfortably. However, the interest coverage ratio of 1.24x indicates limited capacity to absorb additional financial stress. The cash conversion cycle at 0 days further emphasizes efficient cash management. While the financial ratios demonstrate that PNB Gilts can sustain its operations, the high debt levels warrant cautious monitoring of liquidity and solvency as market conditions evolve.
Shareholding Pattern and Investor Confidence
The shareholding structure of PNB Gilts indicates a strong promoter commitment, with promoters holding 74.07% of the equity. This level of control can be viewed positively by investors, as it often aligns management interests with those of the shareholders. Foreign institutional investors (FIIs) have gradually increased their stake to 0.77%, reflecting a cautious yet growing interest in the company. However, domestic institutional investors (DIIs) have not participated, holding no shares. The public shareholding stood at 25.17%, with the total number of shareholders rising to 85,116 as of September 2025. This growing number of shareholders may indicate increasing public interest and confidence in the company’s future. Overall, while the strong promoter holding is a positive aspect, the lack of institutional backing may limit broader investor confidence and market perception.
Outlook, Risks, and Final Insight
Looking ahead, PNB Gilts faces both opportunities and challenges. The financial services sector’s recovery presents growth potential, especially given the company’s strong sales trajectory and profitability metrics. However, the high leverage poses a significant risk, particularly in a rising interest rate environment, which could strain profitability and cash flows. Additionally, the fluctuations in profit before tax and the limited interest coverage ratio raise concerns about financial stability. If the company can navigate these risks effectively, it may enhance its operational efficiency and profitability. Conversely, failure to manage debt levels and maintain consistent profitability could lead to adverse outcomes. Stakeholders should closely monitor the company’s performance against these factors to make informed decisions about their investments.
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 | 12.1 Cr. | 41.3 | 60.0/36.4 | 48.4 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,362 Cr. | 298 | 484/280 | 15.2 | 111 | 0.34 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 32.3 Cr. | 0.46 | 1.34/0.38 | 4.48 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.94 Cr. | 9.98 | 11.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 19.8 Cr. | 38.6 | 69.9/38.5 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,260.59 Cr | 1,313.71 | 68.50 | 3,844.57 | 0.37% | 21.71% | 14.20% | 7.28 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 339 | 297 | 310 | 443 | 347 | 385 | 474 | 440 | 501 | 362 | 419 | 563 | 443 |
| Expenses | 85 | 33 | 18 | 13 | 67 | 34 | 13 | 14 | 12 | 59 | 12 | 26 | 152 |
| Operating Profit | 255 | 263 | 292 | 430 | 280 | 351 | 461 | 426 | 488 | 303 | 407 | 538 | 292 |
| OPM % | 75% | 89% | 94% | 97% | 81% | 91% | 97% | 97% | 98% | 84% | 97% | 95% | 66% |
| Other Income | 1 | 0 | 7 | 0 | 0 | 4 | 0 | 0 | 1 | 1 | 0 | 0 | 1 |
| Interest | 255 | 251 | 280 | 354 | 325 | 361 | 371 | 355 | 336 | 315 | 307 | 324 | 345 |
| Depreciation | 0 | 0 | 1 | 4 | 4 | 4 | 4 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit before tax | 1 | 12 | 18 | 72 | -49 | -10 | 86 | 71 | 153 | -12 | 99 | 213 | -53 |
| Tax % | 1,256% | 47% | 25% | 19% | -16% | 47% | 21% | 25% | 25% | -13% | 24% | 25% | -15% |
| Net Profit | -8 | 6 | 13 | 58 | -41 | -15 | 68 | 53 | 115 | -10 | 75 | 160 | -45 |
| EPS in Rs | -0.44 | 0.34 | 0.75 | 3.21 | -2.28 | -0.86 | 3.78 | 2.97 | 6.37 | -0.56 | 4.17 | 8.89 | -2.52 |
Last Updated: December 29, 2025, 3:09 pm
Below is a detailed analysis of the quarterly data for PNB Gilts Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 443.00 Cr.. The value appears to be declining and may need further review. It has decreased from 563.00 Cr. (Jun 2025) to 443.00 Cr., marking a decrease of 120.00 Cr..
- For Expenses, as of Sep 2025, the value is 152.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 26.00 Cr. (Jun 2025) to 152.00 Cr., marking an increase of 126.00 Cr..
- For Operating Profit, as of Sep 2025, the value is 292.00 Cr.. The value appears to be declining and may need further review. It has decreased from 538.00 Cr. (Jun 2025) to 292.00 Cr., marking a decrease of 246.00 Cr..
- For OPM %, as of Sep 2025, the value is 66.00%. The value appears to be declining and may need further review. It has decreased from 95.00% (Jun 2025) to 66.00%, marking a decrease of 29.00%.
- For Other Income, as of Sep 2025, the value is 1.00 Cr.. The value appears strong and on an upward trend. It has increased from 0.00 Cr. (Jun 2025) to 1.00 Cr., marking an increase of 1.00 Cr..
- For Interest, as of Sep 2025, the value is 345.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 324.00 Cr. (Jun 2025) to 345.00 Cr., marking an increase of 21.00 Cr..
- For Depreciation, as of Sep 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 1.00 Cr..
- For Profit before tax, as of Sep 2025, the value is -53.00 Cr.. The value appears to be declining and may need further review. It has decreased from 213.00 Cr. (Jun 2025) to -53.00 Cr., marking a decrease of 266.00 Cr..
- For Tax %, as of Sep 2025, the value is -15.00%. The value appears to be improving (decreasing) as expected. It has decreased from 25.00% (Jun 2025) to -15.00%, marking a decrease of 40.00%.
- For Net Profit, as of Sep 2025, the value is -45.00 Cr.. The value appears to be declining and may need further review. It has decreased from 160.00 Cr. (Jun 2025) to -45.00 Cr., marking a decrease of 205.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is -2.52. The value appears to be declining and may need further review. It has decreased from 8.89 (Jun 2025) to -2.52, marking a decrease of 11.41.
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: January 7, 2026, 4:13 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
| 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: 6 (Industry average Stock P/E: 68.5)
- 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 18 January 2026) is ₹72.51 which is 10.15% lower the current market price of ₹80.70, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,453 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 1,453 Cr..
What is the current Stock Price of PNB Gilts Ltd as on 18 January 2026?
The current stock price of PNB Gilts Ltd as on 18 January 2026 is ₹80.7.
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 6.00.
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 1.24 %.
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.