PNB Gilts Intrinsic Value
PNBGILTS • Financial Services
Current Stock Price
₹64.20
Primary Intrinsic Value
₹162.00
Market Cap
₹1156 Cr
+100.0%
Upside
Median Value
₹128.40
Value Range
₹69 - ₹162
Assessment
Trading Below Calculated Value
Safety Margin
50.0%
PNBGILTS Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹162.00 | ₹129.60 - ₹194.40 | +152.3% | EPS: ₹13.50, Sector P/E: 12x |
| Book Value Method | asset | ₹68.67 | ₹61.80 - ₹75.54 | +7.0% | Book Value/Share: ₹85.83, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹102.89 | ₹92.60 - ₹113.18 | +60.3% | Revenue/Share: ₹102.89, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹128.40 | ₹115.56 - ₹141.24 | +100.0% | EBITDA: ₹1633.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹146.82 | ₹132.14 - ₹161.50 | +128.7% | EPS Growth: 13.6%, Fair P/E: 10.9x |
| Growth Adjusted P/E | growth | ₹116.10 | ₹104.49 - ₹127.71 | +80.8% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹128.40 | ₹115.56 - ₹141.24 | +100.0% | ROE: 15.8%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹161.47 | ₹145.32 - ₹177.62 | +151.5% | EPS: ₹13.50, BVPS: ₹85.83 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
PNBGILTS Intrinsic Value Analysis
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 ₹128.40 (median value). With the current market price of ₹64.20, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹68.67 to ₹162.00, indicating ₹68.67 - ₹162.00.
Is PNBGILTS undervalued or overvalued?
Based on our multi-method analysis, PNB Gilts (PNBGILTS) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| 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 | 15.8% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 88.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.07x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for PNB Gilts
Additional stock information and data for PNBGILTS
Cash Flow Quality Analysis
| 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 |