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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
PNB Gilts Limited is an India-based non-banking financial company. As a primary dealer, the Company’s primary activities entail supporting government borrowing programs via underwriting of government securities issuances and trading in a gamut of fixed income instruments,…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent business, fairly priced — carrying meaningful debt.
PNB Gilt is scored on the nbfc / financials framework. It keeps a healthy 10.7% of every rupee of sales as net profit.
Book value has grown 11%/yr. Return on equity is a modest 10.7%. In the latest quarter profit fell 44% versus the prior quarter.
At 8× earnings, the stock sits at the 51st percentile of its own 2.6-year range — the middle of where it has historically traded. Today's price asks for only ~-5%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 7.57 | 11.61 | better |
| P/B | 0.81 | 1.4 | better |
| EV/EBITDA | 16.23 | 13.86 | worse |
| ROE | 10.7 | — | — |
| ROCE | 5.96 | — | — |
| ROA | 0.72 | — | — |
| Quick Ratio | 3.68 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 11% CAGR over 3 years — steady double-digit compounder.
1 of the 4 years shown had a loss — profitability is inconsistent.
Operating margin has expanded from -7% to 14% — the business is keeping more of each rupee earned. The gap between operating and net margin is widening — interest or tax costs are rising.
ROE at 11% — modest; the capital isn't working hard. Capital efficiency improving — ROE up 17pp across the window.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. 62% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (7% spread) — a predictable, non-seasonal revenue stream.
Profit fell 44% QoQ — one-quarter drops can be noise, but a pattern matters. Quarterly margins are compressing (13% → 10%) — more revenue isn't translating to proportionally more profit.
How today's P/E compares to the stock's own historical range. Dashed line = the 2.6y median.
Promoters hold 74.1% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.