PNB Gilts Ltd (PNBGILTS) Fair Value & Analysis
Financial Services · IN · Market cap ₹16.3B
Fair value as of: Jul 3, 2026
From 17 valuation models · updated today
Share price +5.4% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹59.16 – ₹114.25 · fair‑value band ₹99.72 – ₹166.20 · the ₹90.63 price screens below the ₹132.96 fair value. As of Jul 3, 2026.
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PNB Gilts Ltd (PNBGILTS) currently trades at ₹90.63, while our model-based Fair Value estimate is ₹132.96 — implying the stock looks roughly 46.7% undervalued today. We read business quality at 43/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, PNB Gilts Ltd generated revenue of ₹3.9B at a net margin of 47.0%. Revenue declined 3.3% year over year. It earns a return on equity of 11.2%. Net debt stands at ₹243B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
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. It also provides gilts accounts; debt solutions comprising bond and debenture issuances; and retailing services. It serves provident funds trusts, regional rural banks, co-operative banks, corporates, educational institutions, individuals, etc. PNB Gilts Ltd. was incorporated in 1996 and is based in New Delhi, India. PNB Gilts Ltd. is a subsidiary of Punjab National Bank.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
PNB Gilts Ltd reported revenue of ₹16.3B in FY2026 versus ₹8.4B in FY2022, a compound +17.9%/yr. Reported net income was ₹1.8B in FY2026, compounding +2.3%/yr from FY2022.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.