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PNB Gilts

PNBGILTS NSE
₹78.89 +1.76 (+2.28%)
P/E
13.91
View as Markdown
MCP
Close 4 Nov 2026 ₹78.89 −9.93 −11.2% 1Y
Start ₹88.82

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

ROCE
6.15%
Debt to Equity
14.55
EPS (TTM)
₹5.67
Book Value
₹99.95
Market Cap
—
P/E (TTM)
13.91
P/B
0.79
ROE
11.00%
Dividend Yield
2.59%
EBITDA
₹1,555 Cr
52W High
₹99.80
52W Low
₹58.60
Day Range
₹76.09 – ₹79.90
Volume
5,38,453

Peer Comparison

Financial Services › Investment Company

PNB Gilts peer comparison
Jio Financial
₹222.2784.51₹1,43,288 Cr1.160.28%1.19%1.86%₹5,623 Cr₹1,711 Cr
Aditya Birla Capital
₹379.9525.26₹1,05,060 Cr2.440.00%12.00%—₹48,186 Cr₹4,119 Cr
Tata Investment Corporation
₹564.5066.26₹28,326 Cr0.920.61%1.44%1.57%₹404 Cr₹431 Cr
Cholamandalam Financial Holdings
₹1,374.809.67₹26,343 Cr1.670.09%17.50%—₹40,890 Cr₹6,015 Cr
TVS Holdings
₹12,237.0012.55₹24,865 Cr3.700.69%30.60%17.00%₹62,488 Cr₹3,888 Cr
Maharashtra Scooters
₹11,775.0048.32₹13,738 Cr0.421.32%1.06%1.06%₹289 Cr₹279 Cr
JSW Holdings
₹10,942.0088.41₹12,133 Cr0.340.00%0.46%0.59%₹184 Cr₹138 Cr
PNB Gilts (this company)
₹78.8913.91₹1,415 Cr0.792.59%11.00%6.15%₹1,747 Cr₹103 Cr
Median 8 companies₹969.6536.79₹25,604 Cr1.040.45%6.22%1.72%₹3,685 Cr₹1,071 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

43 Weak

Data confidence 100/100

Category scores

Quality
36
Poor
Returns, margins, earnings quality 22% weight
Valuation
57
Good
Cheap vs sector & own history 24% weight
Growth
32
Poor
Sales & profit trajectory 9% weight
Financial Health
17
Poor
Solvency, leverage, coverage 9% weight
Momentum
61
Good
Trend strength, vol-adjusted 12% weight
Ownership
48
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Stock is trading at 0.76 times its book value
  • Company has been maintaining a healthy dividend payout of 17.8%

Weaknesses

4
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 10.1% over past five years.
  • Company has a low return on equity of 10.9% over last 3 years.
  • Working capital days have increased from 93.5 days to 146 days

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bullish5410
OscillatorsBearish342
Moving AveragesStrong Bullish208

Key readings

RSI (14)
62.39
Neutral
MACD (12,26,9)
0.51
Bullish
SMA (50)
75.61
Bullish
SMA (200)
78.47
Bullish

As of

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+17.35%
5Y+10.06%
3Y+11.37%
1Y+1.37%
TTM−5.31%

Net profit

Net profit growth by window
10Y+18.27%
5Y−16.71%
3YTurned to profit
1Y−21.89%
TTM−69.71%

Operating cash flow

Operating cash flow growth by window
10YOutflow widened by ₹1,452 Cr
5YTurned negative
3YOutflow narrowed by ₹2,098 Cr
1YOutflow widened by ₹2,343 Cr
TTM—

TTM: Reported once a year, so there is no trailing-twelve-month figure.

Operating margin· change in pp

Operating margin growth by window
10Y−3.82 pp
5Y−5.44 pp
3Y+19.89 pp
1Y−5.38 pp
TTM−10.75 pp

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹500 Cr
Mar 2018₹402 Cr
Mar 2019₹508 Cr
Mar 2020₹882 Cr
Mar 2021₹1,052 Cr
Mar 2022₹756 Cr
Mar 2023₹1,230 Cr
Mar 2024₹1,577 Cr
Mar 2025₹1,676 Cr
Mar 2026₹1,699 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹167 Cr
Mar 2018₹1.00 Cr
Mar 2019₹53.00 Cr
Mar 2020₹186 Cr
Mar 2021₹454 Cr
Mar 2022₹166 Cr
Mar 2023−₹77.00 Cr
Mar 2024₹69.00 Cr
Mar 2025₹233 Cr
Mar 2026₹182 Cr

Quarterly Results

₹ Cr
PNBGILTS quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales
443
347
385
474
440
501
362
419
563
443
425
424
455
Expenses
13
67
34
13
14
12
59
12
26
152
30
93
15
Operating Profit
430
280
351
461
426
488
303
407
538
292
394
331
439
OPM %
97%
81%
91%
97%
97%
98%
84%
97%
95%
66%
93%
78%
97%
Other Income
0
0
4
0.13
0
0.07
0.08
0.07
0
0.08
1
0
0
Interest
354
325
361
371
355
336
315
307
324
345
327
316
331
Depreciation
4
4
4
4
1
1
1
1
1
1
1
1
1
PBT
72
−49
−10
86
71
153
−12
99
213
−53
68
14
108
Tax %
19%
−16%
47%
21%
25%
25%
−13%
24%
25%
−15%
20%
8%
25%
Net Profit
58
−41
−15
68
53
115
−10
75
160
−45
54
13
81
EPS (₹)
3.21
−2.28
−0.86
3.78
2.97
6.37
−0.56
4.17
8.89
−2.52
2.99
0.72
4.48

Profit & Loss

₹ Cr
PNBGILTS profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales
410
343
500
402
508
882
1,052
756
1,230
1,577
1,676
1,699
1,747
Expenses
16
16
18
70
21
31
32
43
349
55
52
144
290
Operating Profit
394
327
482
332
487
851
1,020
714
881
1,522
1,624
1,555
1,456
OPM %
96%
95%
96%
83%
96%
96%
97%
94%
72%
97%
97%
92%
83%
Other Income
0
0
0
0
0
−81
−9
8
8
4
0.3
2
2
Interest
261
276
226
331
403
519
395
510
973
1,411
1,312
1,313
1,319
Depreciation
1
0
0
0
0
1
2
1
1
15
3
3
3
PBT
133
51
257
1
83
250
614
210
−85
99
311
242
137
Tax %
33%
33%
35%
−8%
36%
25%
26%
21%
−9%
30%
25%
25%
—
Net Profit
88
34
167
1
53
186
454
166
−77
69
233
182
102
EPS (₹)
4.9
1.92
9.29
0.08
2.94
10.35
25.23
9.21
−4.29
3.86
12.95
10.09
5.67
Div. Payout %
31%
57%
27%
Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number.
48%
29%
40%
54%
0%
26%
8%
20%
—

Balance Sheet

₹ Cr
PNBGILTS balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
180
180
180
180
180
180
180
180
180
180
180
180
Reserves
541
552
719
677
708
863
1,136
1,247
1,080
1,150
1,365
1,530
Borrowings
3,858
4,921
3,514
4,369
8,234
12,165
9,864
14,531
19,243
22,403
22,384
24,884
Other Liabilities
182
119
153
27
400
1,051
960
792
994
807
773
467
Total Liabilities
4,761
5,771
4,566
5,252
9,522
14,258
12,140
16,750
21,497
24,540
24,702
27,060
Fixed Assets
3
3
3
3
3
4
3
4
7
7
5
6
CWIP
0
0
0
0
0
0
0
0
13
0
0
0
Investments
328
640
443
4,999
8,818
12,965
10,907
15,267
18,518
23,008
23,165
23,314
Other Assets
4,430
5,128
4,120
251
701
1,290
1,230
1,480
2,959
1,525
1,532
3,740
Total Assets
4,761
5,771
4,566
5,252
9,522
14,258
12,140
16,750
21,497
24,540
24,702
27,060

Cash Flow

₹ Cr
PNBGILTS cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−366
−1,088
1,213
−800
−3,843
−3,898
2,483
−4,564
−4,638
−2,875
−197
−2,540
Investing
368
−313
197
0
0
−1
−1
−1
−14
−1
−1
−1
Financing
71
1,030
−1,431
800
3,844
3,900
−2,481
4,613
4,618
3,159
−38
2,479
Net Cash Flow
74
−370
−20
0
0
1
1
49
−35
283
−236
−62
Free Cash Flow
−366
−1,088
1,212
−800
−3,844
−3,899
2,482
−4,564
−4,653
−2,876
−198
−2,541
CFO/OP
−81
−328
269
−235
−785
−452
259
−631
−526
−187
−8
−158

Ratios

PNBGILTS financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days
0
0
0
0
0
0
0
0
0
0
0
0
Cash Conversion Cycle
0
0
0
0
0
0
0
0
0
0
0
0
Working Capital Days
−10
63
319
93
102
−136
69
181
129
39
96
146
ROCE %
9%
6%
10%
7%
7%
8%
8%
5%
5%
7%
7%
6%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view PNB Gilts insights

58 extracted metrics across FY12–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 74.07%
  • Public 22.24%
  • Others 3.63%
  • FIIs 0.06%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Documents

Frequently Asked Questions about PNB Gilts

What does PNB Gilts Ltd do?
The Co’s primary activities include supporting government borrowing program via underwriting of government securities issuances and trading in a gamut of fixed income instruments such as Government securities, Treasury Bills, State Development Loans, Corporate Bonds, Interest Rate Swaps and…
Where is PNB Gilts Ltd (PNBGILTS) listed?
PNB Gilts Ltd trades as PNBGILTS on the NSE and under code 532366 on the BSE.
Which sector does PNB Gilts Ltd belong to?
PNB Gilts Ltd is classified under the Financial Services sector, in the Investment Company industry.
What is the PE ratio of PNB Gilts Ltd?
PNB Gilts Ltd trades at a PE ratio of 13.91 as of 4 Nov 2026, on earnings per share of ₹5.67, against a book value of ₹99.95 per share.
What is the 52-week high and low of PNB Gilts Ltd?
Over the last 52 weeks PNB Gilts Ltd has traded between ₹58.6 and ₹99.8 as of 4 Nov 2026.
Does PNB Gilts Ltd pay dividends?
PNB Gilts Ltd has a dividend yield of 2.59%.
What is the Return on Equity (ROE) of PNB Gilts Ltd?
PNB Gilts Ltd reported a return on equity of 11.00%. Its debt-to-equity ratio is 14.55.

Company Information

The Co’s primary activities include supporting government borrowing program via underwriting of government securities issuances and trading in a gamut of fixed income instruments such as Government securities, Treasury Bills, State Development Loans, Corporate Bonds, Interest Rate Swaps and various money market instruments such as Certificates of Deposits, Commercial Papers etc.

Website pnbgilts.com
CEO Ms. Monika Kochar B.Com., L.L.B.
Employees 51
Listed 18 Sep 2000
Face Value ₹10

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