PNB Gilts Intrinsic Value
PNB Gilts (PNBGILTS) median intrinsic value is ₹76.00 from 8 valuation models (range ₹48–₹171), vs current price ₹85.51 — -11.1% downside (Trading Above Median Value), margin of safety -12.5%. Read PNBGILTS dividend growth for the complete payout history and dividend yield track record.
PNBGILTS Valuation Methods Summary — DCF, Graham Number & P/E
PNB Gilts intrinsic value across 8 models vs current price ₹85.51 — upside/downside and value range per method. Analyse PNBGILTS promoter holding to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹68.40 | ₹54.72 - ₹82.08 | -20.0% | EPS: ₹5.70, Sector P/E: 12x |
| Book Value Method | asset | ₹76.00 | ₹68.40 - ₹83.60 | -11.1% | Book Value/Share: ₹95.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹97.17 | ₹87.45 - ₹106.89 | +13.6% | Revenue/Share: ₹97.17, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹171.02 | ₹153.92 - ₹188.12 | +100.0% | EBITDA: ₹1459.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹63.27 | ₹56.94 - ₹69.60 | -26.0% | EPS Growth: 13.9%, Fair P/E: 11.1x |
| Growth Adjusted P/E | growth | ₹47.70 | ₹42.93 - ₹52.47 | -44.2% | Revenue Growth: 9.2%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹56.67 | ₹51.00 - ₹62.34 | -33.7% | ROE: 6.0%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹110.38 | ₹99.34 - ₹121.42 | +29.1% | EPS: ₹5.70, BVPS: ₹95.00 |
PNBGILTS Intrinsic Value vs Market Price — All Valuation Models
PNB Gilts fair value range ₹48–₹171 vs current market price ₹85.51 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 ₹76.00, current price ₹85.51 — Trading Above Median Value by 11.1%, margin of safety -12.5%.
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 ₹76.00 (median value). With the current market price of ₹85.51, this represents a -11.1% variance from our estimated fair value.
The valuation range spans from ₹47.70 to ₹171.02, indicating ₹47.70 - ₹171.02.
Is PNBGILTS undervalued or overvalued?
Based on our multi-method analysis, PNB Gilts (PNBGILTS) appears to be trading above median value by approximately 11.1%.
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 | 6.0% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 83.0% | 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 |