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PNB Gilts Ltd. PNBGILTS NSEFINANCIAL

Financial Services · Capital Markets · India
https://www.pnbgilts.com
Company Profile ↓
₹70.67
-29.59% 1Y
Mkt Cap₹1,272.13 Cr
P/E12.46
P/B0.74
Div. Yield2.92%
52W High₹106.67
52W Low₹57.67
Book Value₹94.75
EPS (TTM)₹5.67

Company Overview

PNB Gilts Ltd. operates as a government securities dealer in India. The company involved in underwriting and bidding 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 fund trusts, regional rural banks, cooperative banks, corporates, educational institutions, and 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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 15.1%, reflecting efficient use of shareholder capital.

Healthy Capital Returns

Return on capital employed stands at 104.7%.

Consistent Profit Growth

Net profit has compounded at 12.0% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 25.7% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 12.5, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 37.7%.

Recent Developments

  • Mar 2025 Revenue of ₹1,675.98 Cr (+21.1% YoY); net profit ₹233.03 Cr.
  • Trailing 12 Months Year-on-year growth — revenue -48.1%, earnings -49.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 25.7%, profit CAGR 12.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:25.74%
1 Year:-48.10%

Compounded Profit Growth

5 Years:12.03%
1 Year:-49.60%

Stock Price Performance

1 Year:-29.59%
6 Months:-0.48%
3 Months:-14.25%
1 Month:-8.08%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 27% of range
₹57.67 ₹106.67
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)41.28 · Neutral
Price Performance
1M-8.08%
3M-14.25%
6M-0.48%
1Y-29.59%
Valuation vs Sector

P/E of 12.46 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Healthy ROCE of 104.7%.
  • Excellent profit margin of 37.7%.
  • Compounding revenue at 25.7% over 5 years.
  • Profit CAGR of 12.0% over 5 years.
  • Attractive dividend yield of 2.92%.

CONS

  • Trading 33.8% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
12.46
Industry PE
15.36
Forward P/E est.
24.72
PEG Ratio
-
Book Value
₹94.75
Price to Book
0.74
P/S
4.67
EV/EBITDA
14.63
Dividend Yield
2.92%

Growth (CAGR)

Revenue 5Y
25.74%
Profit 5Y
12.03%
Revenue (YoY)
-48.10%
Earnings (YoY)
-49.60%

Profitability & Returns

ROCE
104.69%
ROE
15.08%
ROA
0.94%
Profit Margin
37.66%
Op Margin
87.28%
Gross Margin
90.56%
EPS (Latest Qtr)
₹4.48
EPS (TTM)
₹5.67

Balance Sheet & Liquidity

Debt/Equity
14.80
Quick Ratio
-
Current Ratio
1.06
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
75.92%
Chg in Prom Hold
0.10%
FII / Inst Holding
0.05%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
₹1,272.13 Cr
Total Revenue (TTM)
₹271.52 Cr
EBITDA
₹1,626.78 Cr
Free Cash Flow
₹-197.87 Cr
Operating Cash Flow
₹-196.88 Cr
Shares Outstanding
₹18.00 Cr
Gross Margin
90.56%
Payout Ratio
17.64%

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 70.67 12.46 ₹1,272.13 Cr 2.92% 104.69% 15.08% 25.74% 12.03%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Dec 2025Jun 2026
Revenue 500.76 Cr316.18 Cr298.60 Cr563.27 Cr409.85 Cr454.56 Cr
Cost of Revenue 9.81 Cr9.58 Cr3.11 Cr16.73 Cr10.69 Cr11.16 Cr
Gross Profit 490.95 Cr306.59 Cr295.50 Cr546.53 Cr399.16 Cr443.40 Cr
Operating Expenses 3.53 Cr4.30 Cr-70.07 Cr9.32 Cr5.27 Cr4.61 Cr
Operating Income 487.42 Cr302.29 Cr365.57 Cr537.21 Cr393.88 Cr438.79 Cr
EBITDA 489.07 Cr304.52 Cr406.95 Cr537.90 Cr395.48 Cr439.60 Cr
Interest Expense 335.69 Cr315.31 Cr306.82 Cr324.34 Cr327.22 Cr330.76 Cr
Pretax Income 152.54 Cr-11.65 Cr99.19 Cr213.01 Cr67.67 Cr108.26 Cr
Tax Provision 37.86 Cr-1.54 Cr24.17 Cr52.94 Cr13.76 Cr27.56 Cr
Net Income 114.68 Cr-10.11 Cr75.02 Cr160.07 Cr53.91 Cr80.70 Cr
Diluted EPS 6.37-0.56-8.892.994.48

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

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
75.92%
Institutions
0.05%
Public Float
0.19%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for PNBGILTS

Google News ue, 13 Oct 2026

PNB Gilts stock zooms 12%; pares gains post Q2 results - Business Standard

<a href="https://news.google.com/rss/articles/CBMiuwFBVV95cUxPQjRtcHRYV1k0NUpfMmY1d3JxZ0xELWh5ZGFUTHlTNlpWNWw2UVVEMDVjMFZDa2I2dVd0b1BIWEFYcnJQc0ZINUYtZ1VwYWtiYVFtSnVlLUFEN0oyQ1RWTUZKZFlNVWRRemYzenNSU0VTRS1XNFhzZUtMVnRSUklpZzdfbTB3dWM1N19iWW…

Google News ue, 13 Oct 2026

PNB Gilts shares jump 12% as firm returns to black in Q2 - Business Today

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxQTEs4N3BGRXNoUU11czNnNmliMWZVM093ZEhUbDVMUWhTbjhPRDN3Z3JNSEJFemZoOVlJVEFwZE4wNjRmM2trN2pfR2xLdjYwTGlHSUdVaEJpQ19yRXFQaXh4bkNxYnJHSHBXX2FwTjhIQ2tMc2xHSW9FLVRCLTdIV01PTjEtSHNjZVhidl…

Google News ue, 13 Oct 2026

PNB Gilts Q2 Results: Shares jump 12% as company swings to profit - CNBC TV18

<a href="https://news.google.com/rss/articles/CBMi0gFBVV95cUxOWmU0R0pOd0dwQ2tKUmx5M1RGNmpqZi1QWkJhYjRrdm93Y2FwRkVWQ3JSQ3k0MGM4YnQtcEhFd0lfWi1EWWJreWVwZFJ6dHp2YkJ3UGZZdHJ4S1BIWlVBSU8wR0t4dTI5NjdaZTZZc05Vck03OF9zOG1RVFZZeUNMYVZCWTIzQlVKeGVuNF…

Google News Mon, 31 Aug 2026

PNB Gilts Ltd. Key Financial Ratios – Valuation, Profitability & More - Value Research

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Google News Fri, 09 Oct 2026

RBI approves Amit Kumar Srivastava as PNB Gilts chairman - scanx.trade

<a href="https://news.google.com/rss/articles/CBMirwFBVV95cUxNcnE3d0k0Ry1TXzdEb1lvTGNTVC1WMFNsVmkyNC1iQ2NsUjRVaGRBX0h5UzBqRktZS3czUVlCUFFob0NNaU1OZXhpYy1JM0ota1c0dWhlZ2NjSmppTTV6ZEFvbEU1dEV0aEQyXzBWZThxeDBGaGZ2ckZPX2FPVk1FWkZjRGJTbVVNNFlib0…

Google News ue, 13 Oct 2026

PNB Gilts Share Price Rises 8.86% to Rs 76.81 - Univest

<a href="https://news.google.com/rss/articles/CBMiekFVX3lxTE16ajljSFhESUxDZWZnOGcyODNUYXVmblFZX1BTak5RSWg4TWJialNueUdHZnJSZVROc1VLY0dnaC1KNVJ5VWxERnNUc1pjd05iZkdPbXJ0LTRISXdTa21xNG00X3NQdlRsSVVNQTc1WjBUX0hfcUtuZHhn?oc=5" target="_blank">PNB…

PNBGILTS — Frequently Asked Questions

What is the current share price of PNB Gilts Ltd. (PNBGILTS)?

As of 2026-10-23 04:58 IST, PNB Gilts Ltd. (PNBGILTS) trades at ₹70.67 on NSE. Its 52-week range is ₹57.67 to ₹106.67.

What is the market capitalisation of PNBGILTS?

PNB Gilts Ltd. (PNBGILTS) has a market capitalisation of ₹1,272.13 Cr on NSE.

What is the P/E ratio of PNBGILTS?

PNBGILTS trades at a trailing price-to-earnings (P/E) ratio of 12.46. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 0.74.

Does PNBGILTS pay a dividend?

PNB Gilts Ltd. (PNBGILTS) currently offers a dividend yield of 2.92%.

What is the return on equity (ROE) of PNBGILTS?

PNBGILTS has a return on equity (ROE) of 15.08%. Its return on capital employed (ROCE) is 104.69%.

Is PNBGILTS a good stock to buy?

This page provides a data-driven analysis of PNB Gilts Ltd. (PNBGILTS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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