PNB Gilts Intrinsic Value
PNB Gilts (PNBGILTS) median intrinsic value is ₹121.08 from 8 valuation models (range ₹25–₹153), vs current price ₹76.73 — +57.8% upside (Trading Below Calculated Value), margin of safety 36.6%. Browse PNBGILTS complete financial statements for revenue, profit, balance sheet and cash flow data.
PNBGILTS Valuation Methods Summary — DCF, Graham Number & P/E
PNB Gilts intrinsic value across 8 models vs current price ₹76.73 — upside/downside and value range per method. Also explore PNBGILTS stock price history to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹121.08 | ₹96.86 - ₹145.30 | +57.8% | EPS: ₹10.09, Sector P/E: 12x |
| Book Value Method | asset | ₹76.00 | ₹68.40 - ₹83.60 | -1.0% | Book Value/Share: ₹95.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹94.39 | ₹84.95 - ₹103.83 | +23.0% | Revenue/Share: ₹94.39, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹153.46 | ₹138.11 - ₹168.81 | +100.0% | EBITDA: ₹1555.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹24.93 | ₹22.44 - ₹27.42 | -67.5% | EPS Growth: 3.1%, Fair P/E: 2.5x |
| Growth Adjusted P/E | growth | ₹86.77 | ₹78.09 - ₹95.45 | +13.1% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹127.33 | ₹114.60 - ₹140.06 | +65.9% | ROE: 11.2%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹146.86 | ₹132.17 - ₹161.55 | +91.4% | EPS: ₹10.09, BVPS: ₹95.00 |
PNBGILTS Intrinsic Value vs Market Price — All Valuation Models
PNB Gilts fair value range ₹25–₹153 vs current market price ₹76.73 across 8 valuation models. For current market price and key ratios, visit PNB Gilts stock price NSE.
PNBGILTS Intrinsic Value Analysis — Undervalued or Overvalued?
PNB Gilts median intrinsic value ₹121.08, current price ₹76.73 — Trading Below Calculated Value by 57.8%, margin of safety 36.6%.
What is the intrinsic value of PNBGILTS?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of PNB Gilts (PNBGILTS) is ₹121.08 (median value). With the current market price of ₹76.73, this represents a +57.8% variance from our estimated fair value.
The valuation range spans from ₹24.93 to ₹153.46, indicating ₹24.93 - ₹153.46.
Is PNBGILTS undervalued or overvalued?
Based on our multi-method analysis, PNB Gilts (PNBGILTS) appears to be trading below calculated value by approximately 57.8%.
PNBGILTS Financial Health — Key Ratios vs Industry Benchmarks
PNB Gilts financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.07 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 11.2% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 92.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.06x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
PNBGILTS Cash Flow Quality — Operating & Free Cash Flow
PNB Gilts operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-197 Cr | ₹-198 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-2,875 Cr | ₹-2,876 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-4,638 Cr | ₹-4,645 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-4,564 Cr | ₹-4,565 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹2,483 Cr | ₹2,483 Cr | Positive Free Cash Flow | 8/10 |