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Banking And Finance | Small Cap
Health Score : 6.88PNB Gilts Ltd, operating in the Financial Services (Non-Bank Finance) sector, demonstrates a mixed financial performance. The company shows strong growth and profitability, balanced by some weaknesses in solvency and financial ratios. Its liquidity position is reasonable, supported by healthy current and quick ratios, but offset by negative operating cash flow. While the company excels in revenue and profit growth, its earnings per share have been volatile. High gross and operating profit margins reflect efficient operations. However, high debt levels and low equity raise concerns about long-term financial stability. Overall, PNB Gilts exhibits growth potential but needs to address its debt and equity structure to ensure sustained financial health.
Health Score : 6.88PNB Gilts Ltd, operating in the Financial Services (Non-Bank Finance) sector, demonstrates a mixed financial performance. The company shows strong growth and profitability, balanced by some weaknesses in solvency and financial ratios. Its liquidity position is reasonable, supported by healthy current and quick ratios, but offset by negative operating cash flow. While the company excels in revenue and profit growth, its earnings per share have been volatile. High gross and operating profit margins reflect efficient operations. However, high debt levels and low equity raise concerns about long-term financial stability. Overall, PNB Gilts exhibits growth potential but needs to address its debt and equity structure to ensure sustained financial health.
Overall Valuation Score
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Price Movement Indicator
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P/E RATIO (TTM)
7.58
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
7.58
P/B RATIO
0.80
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
0.69
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
0.00
EV/EBITDA RATIO
16.38
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹76.44 as on Sep 1, 2026.
Growth Score : 10.00The company exhibits very strong growth performance across all measured metrics. High revenue growth indicates successful market penetration. Strong operating profit growth suggests efficient cost management. Exceptional EPS and net income growth demonstrate increasing profitability. Healthy asset growth shows expansion of the company's asset base. Overall, the growth ratios reflect a company on a strong upward trajectory.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -28.14 | 62.7 | 28.21 | 6.28 | 1.37 |
| Operating Profit Growth Rate | -30 | 23.39 | 72.76 | 6.7 | -4.25 |
| Earnings Per Share (EPS) Growth | -63.5 | -146.58 | 189.98 | 235.49 | -22.08 |
| Asset Growth Rate | 37.97 | 28.34 | 14.16 | 0.66 | 9.55 |
| Net Income Growth Rate | -63.44 | -146.39 | 189.61 | 237.68 | -21.89 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | CREST | 8.36 | 22.14 | Neutral | N/A | 13.88 | 48.00 |
| 2 | CSLFINANCE | 8.09 | 6.27 | Neutral | N/A | 37.80 | 86.00 |
| 3 | PFS | 8.05 | 5.42 | Highly Undervalued | N/A | 4.97 | 319.00 |
| 4 | PNBGILTS | 6.88 | 7.58 | Neutral | 1555.00 | 10.09 | 182.00 |
| 5 | ARMANFIN | 5.58 | 36.25 | Overvalued | N/A | 38.62 | 57.00 |
| 6 | MUFIN | 5.49 | 82.61 | Neutral | N/A | 1.43 | 28.00 |
| 7 | NBIFIN | 4.16 | 68.52 | Neutral | N/A | 46.99 | 16.00 |
| 8 | MANBA | 3.72 | 14.32 | Neutral | N/A | 9.03 | 45.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bullish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Quarterly Report⬤20th Apr 26
Audited Results – Q4 & FY Ended March 31, 2026
UNDEFINED SENTIMENT
No Stock News Available at This Moment.
PNB Gilts Ltd. (PNBGILTS) is a primary dealer in government securities, wholly-owned by Punjab National Bank. It underwrites and trades in G-Secs, Treasury Bills, and State Development Loans, playing a crucial role in India's debt market by facilitating government borrowing and liquidity management.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. PNB Gilts Ltd's P/E ratio (TTM) is 7.58, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. PNB Gilts Ltd's P/B ratio is 0.80, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. PNB Gilts Ltd's P/S ratio is 0.69, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. PNB Gilts Ltd's PEG ratio is 1.74.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. PNB Gilts Ltd's EV/EBITDA ratio is 16.38.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. PNB Gilts Ltd's ROE is 10.64%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. PNB Gilts Ltd's ROA is 5.75%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. PNB Gilts Ltd's ROCE is 6%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. PNB Gilts Ltd's operating margin is 91.52%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. PNB Gilts Ltd's net margin is 10.71%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. PNB Gilts Ltd's current ratio is 8.01.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. PNB Gilts Ltd's debt-to-equity ratio is 15.67.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. PNB Gilts Ltd's interest coverage ratio is 1.18.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. PNB Gilts Ltd's DPS is ₹2.02.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. PNB Gilts Ltd's EPS is -22.08.
(Source line: "Ratios as of 01 Sept 2026, based on last traded price of ₹76.44. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1995
Headquarters: New Delhi, Delhi
Core Offerings: Government Securities Trading, Treasury Bills Trading, Underwriting of G-Secs, State Development Loans, Fixed Income Securities
Stock Listing: NSE (PNBGILTS), BSE (532366)
Promoter: Punjab National Bank (PNB) / Government of India
PNB Gilts Ltd. was incorporated on April 13, 1995, as a wholly-owned subsidiary of Punjab National Bank, becoming the first bank-sponsored Primary Dealer in India. It commenced its Primary Dealership operations on June 1, 1996. In 2000, it became the first Primary Dealer to be listed on Indian stock exchanges (BSE & NSE). Since then, it has consistently operated as a leading player in the Indian government securities market, focusing on efficient management of public debt and contributing to market liquidity. The company has a history of several bonus issues, including a 1:1 bonus issue in 2022.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Treasury Operations / Primary Dealership | 100% | Operating Profit |
Primary Dealership: Operates as a Reserve Bank of India (RBI) authorized Primary Dealer, actively participating in primary auctions of government securities (G-Secs) and Treasury Bills (T-Bills) by underwriting and bidding.
Fixed Income Trading: Engages in active secondary market trading of G-Secs, T-Bills, State Development Loans (SDLs), and other money market instruments to optimize portfolio returns and provide liquidity.
Portfolio Management: Manages a significant portfolio of government securities, balancing yield and risk, and complying with regulatory requirements for capital adequacy and risk management.
Shri K.V. Prasad, Managing Director & CEO: An experienced banking professional with a strong background in treasury operations and financial markets. He leads the company's strategic direction and operations in the primary dealership business.
No major subsidiaries reported.
Bonus Issue (1:1) in March 2022. No other major recent corporate actions on record.
The PNB Gilts Ltd share price today is ₹76.44 on NSE (PNBGILTS), as of 11 Sept 2026.
As of 01 Sept 2026, PNB Gilts Ltd share price is ₹76.44, with previous close ₹76.44. Today's range is ₹76.44 to ₹76.44. The 52-week range is ₹76.44 to ₹76.44.
As of today, PNB Gilts Ltd's market cap is ₹1,171.83 crore (Small Cap).
PNB Gilts Ltd's current P/E ratio is 7.58, compared to the BANKING AND FINANCE sector average of 27.50.
PNB Gilts Ltd's current P/B ratio is 0.80.
PNB Gilts Ltd's current dividend yield is 2.64%. Last dividend of ₹1.50 per share was declared on 20-Sep-2023.
PNB Gilts Ltd's EPS (TTM) is ₹-22.08.
PNB Gilts Ltd. (PNBGILTS) is a primary dealer in government securities, wholly-owned by Punjab National Bank. It underwrites and trades in G-Secs, Treasury Bills, and State Development Loans, playing a crucial role in India's debt market by facilitating government borrowing and liquidity management.
PNB Gilts Ltd is promoted by Punjab National Bank (PNB) / Government of India, holding 74.07% as of 01 Sept 2026.
PNB Gilts Ltd is listed on NSE (PNBGILTS) and BSE (532366). Its next quarterly results are expected on August 2024 (for Q1 FY25).
Adjusted Earnings Per Share (Adjusted EPS)