Pnb Gilts Limited

PNBGILTS NSE Financial Services Investment Company
₹80.34
-0.02%
Delayed · cached 15 min

Fair value analysis

PNBGILTS
Pnb Gilts Limited
Financial ServicesInvestment Company
₹80.36
Close used for this calculation
₹165.97Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
52/100
Profitability15/25
Returns18/25
Balance Sheet1/25
Efficiency18/25
Growth14/25
Good
Quality radar
52Prof.15/25Ret.18/25Eff.18/25B.Sht1/25Growth14/25

Consensus fair value

₹165.97
Below FV
▲ +106.5% against the close used
Model range ₹66.78 – ₹250.23
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₹66.78Fair value₹165.97Bull₹250.23
FairClose
52-week traded range
52W low ₹59.1652W high ₹103.98

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Pnb Gilts Limited closed at ₹80.36, 51.6% below the consensus fair value of ₹165.97 drawn from 9 valuation models.

Financial DNA score 52/100 — Good. P/E of 14.3x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹176.51
+119.7%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=6.8%, r=10%, tg=3%, n=10yr
Graham Number
₹109.56
+36.3%
√(22.5 × EPS × BVPS)
EPS=10.09, BVPS=52.87
Graham Formula
₹207.06
+157.7%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=6.8%, FD=7%
P/E Fair Value
₹250.23
+211.4%
EPS × 24.8x (sector P/E)
EPS=10.09, Sector P/E=24.8x
Peter Lynch (PEG)
₹68.61
-14.6%
EPS × Growth% (PEG = 1 is fair)
EPS=10.09, g=6.8%
Dividend Discount (DDM)
₹66.78
-16.9%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=2, r=10%, g=6.8%
Book Value (P/B)
₹67.41
-16.1%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=52.87, ROE=11.1%, g=6%, r=10%
Reverse DCF
₹80.36
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -5.5% | Historical: 6.8%
Margin of Safety
₹139.38
+73.4%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=185.84, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.