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PNB Gilts Ltd. PNBGILTS NSEFINANCIAL

Financial Services · Capital Markets · India
https://www.pnbgilts.com

PNB Gilts Ltd. operates as a government securities dealer in India. The company involved in underwriting and bidding of government securities issuances; trading of fixed income instruments, such as government securities, treasury bills, state development loans, corporate bonds, and interest rate swaps, as well as various money market instruments, including certificates of deposits, commercial papers, etc.; and provision of custodian services to its constituents. It also provides gilts accounts; debt solutions comprising bond and debenture issuances; and retailing services. It serves provident funds trusts, regional rural banks, co-operative banks, corporates, educational institutions, individuals, etc. PNB Gilts Ltd. was incorporated in 1996 and is based in New Delhi, India. PNB Gilts Ltd. is a subsidiary of Punjab National Bank.

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₹78.79
-17.94% 1Y

Market & Price

Market Cap
₹1,418.30 Cr
Current Price
₹78.79
High / Low (52W)
₹114.25 / ₹59.16
Beta
0.52

Valuation

Stock P/E
7.81
Industry PE
19.12
Forward P/E
-
PEG Ratio
-
Book Value
₹94.75
Price to Book
0.83
P/S
3.67
EV/EBITDA
-
Dividend Yield
1.30%

Profitability & Returns

ROCE
104.69%
ROE
11.16%
ROA
0.70%
Profit Margin
46.98%
Op Margin
79.79%
EPS (Latest Qtr)
₹2.99
EPS (TTM)
₹10.09

Balance Sheet & Liquidity

Debt/Equity
14.80
Quick Ratio
0.12
Current Ratio
0.12
Debt
₹25,305.50 Cr
Total Assets
₹24,702.51 Cr
Current Assets
₹24,598.80 Cr
Working Capital
₹1,446.97 Cr

Ownership

Promoter Holding
75.82%
Chg in Prom Hold
-
FII / Inst Holding
0.05%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹25,713.57 Cr
Total Revenue (TTM)
₹386.60 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-2,539.76 Cr
Shares Outstanding
₹18.00 Cr
Gross Margin
93.99%
Payout Ratio
9.91%

Growth (CAGR)

Revenue 5Y
25.74%
Profit 5Y
12.03%
Revenue (YoY)
-3.30%
Earnings (YoY)
-82.70%

PROS

  • Healthy ROCE of 104.7%.
  • Excellent profit margin of 47.0%.
  • Compounding revenue at 25.7% over 5 years.
  • Profit CAGR of 12.0% over 5 years.

CONS

  • Trading 31.0% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PNBGILTS PNB Gilts Ltd. NSEFINANCIAL 78.79 7.81 ₹1,418.30 Cr 1.30% 104.69% 11.16% 25.74% 12.03%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Dec 2025
Revenue 500.76 Cr316.18 Cr298.60 Cr563.27 Cr409.85 Cr
Cost of Revenue 9.81 Cr9.58 Cr3.11 Cr16.73 Cr10.69 Cr
Gross Profit 490.95 Cr306.59 Cr295.50 Cr546.53 Cr399.16 Cr
Operating Expenses 3.53 Cr4.30 Cr-70.07 Cr9.32 Cr5.27 Cr
Operating Income 487.42 Cr302.29 Cr365.57 Cr537.21 Cr393.88 Cr
EBITDA 489.07 Cr304.52 Cr406.95 Cr537.90 Cr395.48 Cr
Interest Expense 335.69 Cr315.31 Cr306.82 Cr324.34 Cr327.22 Cr
Pretax Income 152.54 Cr-11.65 Cr99.19 Cr213.01 Cr67.67 Cr
Tax Provision 37.86 Cr-1.54 Cr24.17 Cr52.94 Cr13.76 Cr
Net Income 114.68 Cr-10.11 Cr75.02 Cr160.07 Cr53.91 Cr
Diluted EPS 6.37-0.56-8.892.99

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Revenue 842.99 Cr950.42 Cr1,383.47 Cr1,675.98 Cr
Cost of Revenue 23.85 Cr22.37 Cr32.50 Cr36.64 Cr
Gross Profit 819.14 Cr928.05 Cr1,350.98 Cr1,639.34 Cr
Operating Expenses 115.31 Cr88.78 Cr-61.28 Cr18.47 Cr
Operating Income 703.82 Cr839.27 Cr1,412.26 Cr1,620.87 Cr
EBITDA 721.73 Cr889.17 Cr1,525.51 Cr1,626.78 Cr
Interest Expense 510.43 Cr972.88 Cr1,411.32 Cr1,312.41 Cr
Pretax Income 210.15 Cr-85.07 Cr98.81 Cr310.95 Cr
Tax Provision 44.44 Cr-7.84 Cr29.40 Cr77.92 Cr
Net Income 165.71 Cr-77.22 Cr69.41 Cr233.03 Cr
Diluted EPS 9.21-4.293.8612.95

Compounded Sales Growth

5 Years:25.74%
1 Year:-3.30%

Compounded Profit Growth

5 Years:12.03%
1 Year:-82.70%

Stock Price Performance

1 Year:-17.94%
6 Months:-6.93%
3 Months:+0.11%
1 Month:+10.85%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Total Assets 16,750.38 Cr21,497.02 Cr24,539.74 Cr24,702.51 Cr
Current Assets 14,485.03 Cr16,974.90 Cr23,448.48 Cr24,598.80 Cr
Cash & Equivalents 50.13 Cr15.38 Cr273.04 Cr61.66 Cr
Inventory ----
Receivables -273.47 Cr313.16 Cr383.86 Cr
Total Liabilities 15,323.07 Cr20,237.03 Cr23,209.99 Cr23,157.31 Cr
Current Liabilities 15,319.00 Cr20,227.71 Cr23,202.31 Cr23,151.83 Cr
Long Term Debt 14,530.30 Cr19,238.36 Cr00
Total Debt 14,533.07 Cr19,242.79 Cr22,403.09 Cr22,384.00 Cr
Total Equity 1,427.31 Cr1,260.00 Cr1,329.76 Cr1,545.20 Cr
Shares Outstanding 18.00 Cr18.00 Cr18.00 Cr18.00 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Operating Cash Flow -4,563.56 Cr-4,638.28 Cr-2,875.07 Cr-196.88 Cr
Investing Cash Flow -63.09 L-14.42 Cr-1.05 Cr-97.48 L
Financing Cash Flow 4,612.91 Cr4,617.95 Cr3,158.77 Cr-37.89 Cr
Capital Expenditure -70.44 L-14.45 Cr-1.09 Cr-98.75 L
Free Cash Flow -4,564.26 Cr-4,652.73 Cr-2,876.16 Cr-197.87 Cr
Net Change in Cash 48.72 Cr-34.75 Cr282.65 Cr-235.75 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Gross Margin % 97.2%97.6%97.7%97.8%
Operating Margin % 83.5%88.3%102.1%96.7%
Net Margin % 19.7%-8.1%5.0%13.9%
ROE % 11.6%-6.1%5.2%15.1%
ROCE % 49.2%66.1%105.6%104.5%

Shareholding Pattern

Insiders
75.82%
Institutions
0.05%
Public Float
0.19%

Analyst View

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