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Intrinsic value · Buy/Sell verdict · scores — free· 1088 Nifty 500 stocks· EOD 2026-06-16

PNB Gilts Ltd.

PNBGILTS · NSE · Financial Services

₹89.19
-1.90 (-2.09%)
Our verdict
Buy60/100
Quality46
Valuation95
Momentum80
Financial trend7
Intrinsic value
Our fair value
₹159.83
Undervalued by 79%
Price ₹89.19Range ₹97.45₹178.38

With a 20% margin of safety, our buy-below price is ₹127.87.

C
Financial health 58/100
From profitability & returns (bank/NBFC)

Piotroski F-score 4/9 — quality of earnings & balance sheet.

Investability checklist

Passed 5 of 12 checks42/100
  • ROE above 15%11.2%
  • Low debt (D/E < 0.5)14.80x
  • Positive free cash flow
  • Revenue growth > 10%-3%
  • Earnings growing-83%
  • Net margin ≥ 10%47.0%
  • Current ratio > 1.50.12
  • Below our fair value
  • Margin of safety ≥ 20%
  • Above 200-day average
  • Above 50-day average
  • Positive 1-year return
  • Altman Z in safe zone
  • Piotroski ≥ 74/9

1-year price

EOD · 2026-06-16
1W
-4.2%
1M
+22.6%
3M
+24.2%
6M
+12.4%
1Y

Our scores

Durability46
Valuation89
Momentum80

Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.

Quarterly results

4Q2016
₹166 Cr0%
1Q2017
₹61 Cr0%
2Q2017
₹123 Cr0%
3Q2017
₹115 Cr0%
Revenue Net profitRevenue 4-period change -31%

Annual financials

2015
₹410 Cr0%
2017
₹500 Cr0%
Revenue Net profitRevenue 2-period change +22%

Shareholding

Promoter75.8%
Institutions0.0%
Public & other24.1%

Promoter holding via insider stake; institutional via reported holdings.

Key fundamentals

Market cap
₹1,606 Cr
P/E ratio
8.8
P/B ratio
0.94
EPS (TTM)
₹10.09
ROE
11.2%
Debt / Equity
14.80x
Profit margin
47.0%
Free cash flow
₹-198 Cr
52-week high
₹114.25
-21.94% from high
52-week low
₹59.16
Dividend yield
1.1%
Beta
0.53

SWOT snapshot

Strengths

  • Healthy profit margin (47.0%).

Weaknesses

  • High debt relative to equity.

Opportunities

  • Trading in our value buy zone versus sector peers.
  • Trades ~79% below our estimated fair value.

Threats

  • Earnings contracting year on year.

About PNB Gilts Ltd.

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

More in Financial Services

Our 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.