PNB Gilts Ltd.
Valuation (92/100) does the heavy lifting; financial trend (0/100) is the drag.
Buy zoneStocksWizard rates PNB Gilts Ltd. a Hold, scoring 56/100 on our blended model. On 15.1x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 21% below its 52-week high of ₹106.67 and 43% above the low of ₹59.16. Financial health scores 60/100, with a Piotroski F-score of 4/9. It clears 4 of 10 investability checks, with durability 54, valuation 84 and momentum 59 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹126.95.
1-year price
EOD · 2026-07-3152-week range
-20.79% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold56Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- No data: ROE above 15%
- Fail: Low debt (D/E < 0.5): 14.80x
- Fail: Positive free cash flow
- Fail: Revenue growth > 10%: -48%
- Fail: Earnings growing: -50%
- Pass: Net margin ≥ 10%: 37.7%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Shareholding
- Promoter75.8%
- Institutions0.0%
- Public & other24.1%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (37.7%).
Opportunities
- Trading in our value buy zone versus sector peers.
- Trades ~88% below our estimated fair value.
Bear case
Weaknesses
- High debt relative to equity.
Threats
- Earnings contracting year on year.
About PNB Gilts Ltd.
PNB Gilts Ltd. operates as a government securities dealer in India, underwriting and bidding on government securities issuances. The company trades fixed income instruments including government securities, treasury bills, state development loans, corporate bonds, and interest rate swaps, alongside money market instruments such as certificates of deposit and commercial papers. It also provides custodian services to its constituents.
PNB Gilts Ltd. — frequently asked questions
Is PNB Gilts Ltd. a buy, hold or sell?
StocksWizard currently rates PNB Gilts Ltd. (PNBGILTS) a Hold, based on a blended score of 56/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is PNB Gilts Ltd.'s fair value?
Our blended DCF and relative-valuation model estimates PNB Gilts Ltd.'s fair value at about ₹158.69, versus a current price of ₹84.5 — roughly 88% upside. On that basis the stock looks undervalued by 88%.
Is PNB Gilts Ltd. financially healthy?
PNB Gilts Ltd. scores 60/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has PNB Gilts Ltd.'s share price performed?
PNB Gilts Ltd. is up 19% over three months, and last traded at ₹84.5. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.