WEBSITE BSE:532366 NSE: PNB GILTS Inc. Year: 1996 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 15:56
PNB Gilts Ltd is engaged in dealing in govt. securities. The Company is engaged within the enterprise of NBFC. The Company's segments consist of T-Bills/CP/CD, Corp. Bonds & Debentures, Govt. Securities, Derivatives, Fixed Deposits and Mutual Fund Comm. The Company is likewise engaged in the offerings of National Securities Depository Limited (NSDL), as an corporation to provide remote e-voting facilities. As a provider, the Company's activities encompass assisting authorities borrowing software via underwriting of government securities issuanc...Read More
PNB Gilts Ltd is engaged in dealing in govt. securities. The Company is engaged within the enterprise of NBFC. The Company's segments consist of T-Bills/CP/CD, Corp. Bonds & Debentures, Govt. Securities, Derivatives, Fixed Deposits and Mutual Fund Comm. The Company is likewise engaged in the offerings of National Securities Depository Limited (NSDL), as an corporation to provide remote e-voting facilities. As a provider, the Company's activities encompass assisting authorities borrowing software via underwriting of government securities issuances and buying and selling in a gamut of fixed income instruments, inclusive of government securities, treasury bills, state development loans, company bonds, interest rate swaps, and various money marketplace devices, consisting of certificate of deposits and business papers. It also gives Gilts Investment Services, and Gilts Call and Inter Corporate Deposit (ICD) carrier, amongst others. It is a subsidiary of Punjab National Bank. ...Read Less
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Market Cap ₹1279 Cr.
Stock P/E 5.5
P/B 0.7
Current Price ₹71.1
Book Value ₹ 95
Face Value 10
52W High ₹119.8
Dividend Yield 2.81%
52W Low ₹ 58.8
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 385 | 474 | 440 | 501 | 362 | 419 | 563 | 443 | 425 | 424 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 385 | 474 | 440 | 501 | 362 | 419 | 563 | 443 | 425 | 424 |
| Total Expenditure | 34 | 13 | 14 | 12 | 59 | 12 | 26 | 152 | 30 | 93 |
| Operating Profit | 351 | 461 | 426 | 488 | 303 | 407 | 538 | 292 | 395 | 331 |
| Interest Expense | 361 | 371 | 355 | 336 | 315 | 307 | 324 | 345 | 327 | 316 |
| Depreciation | 4 | 4 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit Before Tax | -10 | 86 | 71 | 153 | -12 | 99 | 213 | -53 | 68 | 14 |
| Provision for Tax | 5 | 18 | 17 | 38 | -2 | 24 | 53 | -8 | 14 | 1 |
| Profit After Tax | -15 | 68 | 53 | 115 | -10 | 75 | 160 | -45 | 54 | 13 |
| Adjustments | -0 | 0 | -0 | 0 | -0 | 0 | -0 | 0 | 0 | -0 |
| Profit After Adjustments | -15 | 68 | 53 | 115 | -10 | 75 | 160 | -45 | 54 | 13 |
| Adjusted Earnings Per Share | -0.9 | 3.8 | 3 | 6.4 | -0.6 | 4.2 | 8.9 | -2.5 | 3 | 0.7 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 410 | 366 | 503 | 402 | 521 | 926 | 1052 | 1051 | 1230 | 1583 | 1680 | 1855 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 2 | 2 | 0 |
| Total Income | 410 | 367 | 503 | 402 | 522 | 927 | 1053 | 1052 | 1230 | 1586 | 1683 | 1855 |
| Total Expenditure | 16 | 39 | 21 | 70 | 35 | 72 | 31 | 336 | 346 | 61 | 55 | 301 |
| Operating Profit | 394 | 328 | 483 | 333 | 487 | 855 | 1022 | 716 | 884 | 1524 | 1627 | 1556 |
| Interest Expense | 261 | 276 | 226 | 331 | 404 | 522 | 397 | 513 | 976 | 1414 | 1315 | 1312 |
| Depreciation | 1 | 0 | 0 | 0 | 0 | 1 | 2 | 1 | 1 | 15 | 3 | 4 |
| Profit Before Tax | 133 | 51 | 257 | 1 | 83 | 250 | 614 | 210 | -85 | 99 | 311 | 242 |
| Provision for Tax | 44 | 17 | 89 | -0 | 30 | 63 | 160 | 44 | -8 | 29 | 78 | 60 |
| Profit After Tax | 88 | 34 | 167 | 1 | 53 | 186 | 454 | 166 | -77 | 69 | 233 | 182 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | -0 | 0 | 0 | 0 |
| Profit After Adjustments | 88 | 34 | 167 | 1 | 53 | 186 | 454 | 165 | -77 | 70 | 233 | 182 |
| Adjusted Earnings Per Share | 4.9 | 1.9 | 9.3 | 0.1 | 2.9 | 10.4 | 25.2 | 9.2 | -4.3 | 3.9 | 12.9 | 10.1 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 6% | 17% | 13% | 15% |
| Operating Profit CAGR | 7% | 31% | 14% | 15% |
| PAT CAGR | 238% | 12% | 5% | 10% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -29% | 7% | 7% | 11% |
| ROE Average | 16% | 5% | 13% | 12% |
| ROCE Average | 7% | 6% | 6% | 7% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 721 | 732 | 899 | 857 | 888 | 1043 | 1316 | 1427 | 1260 | 1330 | 1545 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Liability | 4038 | 5037 | 3666 | 4395 | 8634 | 13207 | 10821 | 15323 | 20237 | 23202 | 23152 |
| Other Liabilities & Provisions | -2 | 1 | 1 | -14 | -1 | 9 | 2 | -1 | -10 | -7 | 4 |
| Total Liabilities | 4757 | 5769 | 4565 | 5239 | 9521 | 14258 | 12140 | 16749 | 21487 | 24525 | 24701 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 234 | 55 |
| Investments | 328 | 640 | 443 | 4999 | 8818 | 0 | 0 | 2133 | 3520 | 2466 | 1052 |
| Fixed Assets | 3 | 3 | 3 | 3 | 3 | 4 | 3 | 3 | 7 | 7 | 5 |
| Other Loans | 9 | 10 | 15 | 14 | 18 | 60 | 85 | 137 | 180 | 155 | 155 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 13 | 2 | 2 |
| Current Assets | 4418 | 5116 | 4104 | 223 | 682 | 14194 | 12052 | 14475 | 17767 | 21661 | 23433 |
| Total Assets | 4757 | 5769 | 4565 | 5239 | 9521 | 14258 | 12140 | 16749 | 21487 | 24525 | 24701 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 318 | 392 | 21 | 0 | 0 | 0 | 1 | 1 | 50 | 15 | 298 |
| Cash Flow from Operating Activities | -366 | -1088 | 1213 | -800 | -3843 | -3898 | 2483 | -4564 | -4638 | -2875 | -197 |
| Cash Flow from Investing Activities | 368 | -313 | 197 | -0 | -0 | -1 | -1 | -1 | -14 | -1 | -1 |
| Cash Flow from Financing Activities | 71 | 1030 | -1431 | 800 | 3844 | 3900 | -2481 | 4613 | 4618 | 3159 | -38 |
| Net Cash Inflow / Outflow | 74 | -370 | -20 | 0 | -0 | 1 | 1 | 49 | -35 | 283 | -236 |
| Closing Cash & Cash Equivalent | 392 | 21 | 1 | 0 | 0 | 1 | 1 | 50 | 15 | 298 | 62 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 4.9 | 1.92 | 9.29 | 0.08 | 2.94 | 10.35 | 25.23 | 9.21 | -4.29 | 3.86 | 12.95 |
| CEPS(Rs) | 4.95 | 1.94 | 9.31 | 0.11 | 2.96 | 10.43 | 25.33 | 9.27 | -4.21 | 4.71 | 13.14 |
| DPS(Rs) | 1.5 | 1.1 | 2.5 | 1 | 1.4 | 3 | 10 | 5 | 0 | 1 | 1 |
| Book NAV/Share(Rs) | 40.05 | 40.65 | 49.93 | 47.61 | 49.31 | 57.92 | 73.13 | 79.29 | 70 | 73.87 | 85.84 |
| Net Profit Margin | 21.54 | 9.41 | 33.22 | 0.35 | 10.14 | 20.13 | 43.17 | 15.77 | -6.28 | 4.38 | 13.87 |
| Operating Margin | 95.92 | 89.27 | 95.84 | 82.54 | 93.34 | 83.41 | 96.1 | 68.78 | 72.41 | 95.53 | 96.77 |
| PBT Margin | 32.34 | 14.05 | 50.98 | 0.33 | 15.92 | 26.98 | 58.4 | 20 | -6.92 | 6.24 | 18.51 |
| ROA(%) | 1.9 | 0.66 | 3.24 | 0.03 | 0.72 | 1.57 | 3.44 | 1.15 | -0.4 | 0.3 | 0.95 |
| ROE(%) | 12.73 | 4.75 | 20.51 | 0.16 | 6.06 | 19.31 | 38.5 | 12.08 | -5.75 | 5.36 | 16.21 |
| ROCE(%) | 8.72 | 6.39 | 9.58 | 6.89 | 6.78 | 6.92 | 8.29 | 5.33 | 4.89 | 6.84 | 6.82 |
| Price/Earnings(x) | 6.08 | 13.07 | 5.73 | 443.38 | 10.68 | 2.32 | 1.9 | 6.47 | 0 | 28.4 | 6.22 |
| Price/Book(x) | 0.74 | 0.62 | 1.07 | 0.73 | 0.64 | 0.41 | 0.66 | 0.75 | 0.82 | 1.48 | 0.94 |
| Dividend Yield(%) | 5.03 | 4.39 | 4.69 | 2.87 | 4.47 | 12.5 | 20.83 | 8.39 | 0 | 0.91 | 1.24 |
| EV/Net Sales(x) | 9.77 | 14.6 | 8.89 | 12.16 | 16.67 | 13.6 | 10.19 | 14.8 | 16.22 | 15.2 | 14.03 |
| EV/Core EBITDA(x) | 10.16 | 16.33 | 9.27 | 14.71 | 17.85 | 14.73 | 10.49 | 21.72 | 22.57 | 15.79 | 14.48 |
| Interest Earned Growth(%) | 18.45 | -10.58 | 37.32 | -20.05 | 29.6 | 77.56 | 13.64 | -0.12 | 17.04 | 28.76 | 6.12 |
| Net Profit Growth | 43.8 | -60.92 | 384.61 | -99.15 | 3637.38 | 252.56 | 143.68 | -63.51 | -146.6 | 189.88 | 235.73 |
| EPS Growth(%) | 43.8 | -60.92 | 384.6 | -99.15 | 3635.88 | 252.56 | 143.68 | -63.51 | -146.6 | 189.88 | 235.73 |
| Interest Coverage(x) % | 1.51 | 1.19 | 2.14 | 1 | 1.21 | 1.48 | 2.55 | 1.41 | 0.91 | 1.07 | 1.24 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 74.07 | 74.07 | 74.07 | 74.07 | 74.07 | 74.07 | 74.07 | 74.07 | 74.07 | 74.07 |
| FII | 0.01 | 0.02 | 0.25 | 0.1 | 0.29 | 0.35 | 0.53 | 0.77 | 0.3 | 0.18 |
| DII | 0 | 0 | 0.08 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 25.92 | 25.91 | 25.61 | 25.83 | 25.64 | 25.58 | 25.4 | 25.16 | 25.63 | 25.75 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 13.33 | 13.33 | 13.33 | 13.33 | 13.33 | 13.33 | 13.33 | 13.33 | 13.33 | 13.33 |
| FII | 0 | 0 | 0.04 | 0.02 | 0.05 | 0.06 | 0.1 | 0.14 | 0.05 | 0.03 |
| DII | 0 | 0 | 0.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 4.67 | 4.66 | 4.61 | 4.65 | 4.62 | 4.61 | 4.57 | 4.53 | 4.61 | 4.63 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 |
* The pros and cons are machine generated.
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