PNB Gilts [PNBGILTS] vs SG Finserve [SGFIN] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: PNB Gilts Ltd. wins in 9 metrics, SG Finserve Ltd. wins in 9 metrics, with 0 ties. Both stocks appear equally matched on key metrics.
View Metrics Details
Vital Metrics Comparison
| Metric | PNB Gilts Ltd. | SG Finserve Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 7.41 | 24.51 | PNB Gilts Ltd. |
| Price-to-Book Ratio | 0.82 | 2.13 | PNB Gilts Ltd. |
| Debt-to-Equity Ratio | 1,560.47 | 185.19 | SG Finserve Ltd. |
| PEG Ratio | -0.14 | 0.32 | SG Finserve Ltd. |
| EV/EBITDA | 15.81 | 18.02 | PNB Gilts Ltd. |
| Profit Margin (TTM) | 62.14% | 38.26% | PNB Gilts Ltd. |
| Operating Margin (TTM) | 83.63% | 93.82% | SG Finserve Ltd. |
| EBITDA Margin (TTM) | 83.63% | 93.82% | SG Finserve Ltd. |
| Return on Equity | 15.08% | 10.32% | PNB Gilts Ltd. |
| Return on Assets (TTM) | 0.94% | 5.81% | SG Finserve Ltd. |
| Free Cash Flow (TTM) | $-1.98B | $-15.73B | PNB Gilts Ltd. |
| Dividend Yield | 2.02% | N/A | N/A |
| 1-Year Return | -5.31% | 42.03% | SG Finserve Ltd. |
| Price-to-Sales Ratio (TTM) | 3.43 | 10.84 | PNB Gilts Ltd. |
| Enterprise Value | $256.90B | $55.26B | PNB Gilts Ltd. |
| EV/Revenue Ratio | 65.52 | 16.56 | SG Finserve Ltd. |
| Gross Profit Margin (TTM) | 97.39% | 96.64% | PNB Gilts Ltd. |
| Revenue per Share (TTM) | $22 | $59 | SG Finserve Ltd. |
| Earnings per Share (Diluted) | $10.09 | $22.40 | SG Finserve Ltd. |
| Beta (Stock Volatility) | 0.42 | N/A | N/A |
PNB Gilts Ltd. vs SG Finserve Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| PNB Gilts Ltd. | 1.40% | -1.87% | 20.91% | 31.29% | 14.41% | 12.22% |
| SG Finserve Ltd. | -1.65% | 5.70% | 3.85% | 59.63% | 49.77% | 48.11% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| PNB Gilts Ltd. | -5.31% | 44.31% | 6.94% | 263.68% | 378.07% | 619.22% |
| SG Finserve Ltd. | 42.03% | 4.93% | 22,969.81% | 4,566.79% | 5,452.68% | 5,452.68% |
Performance & Financial Health Analysis: PNB Gilts Ltd. vs SG Finserve Ltd.
| Metric | PNBGILTS | SGFIN |
|---|---|---|
| Market Information | ||
| Market Cap | ₹13.06B | ₹35.79B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 705,703 | 69,601 |
| 90 Day Avg. Volume | 472,186 | 40,393 |
| Last Close | ₹91.09 | ₹601.25 |
| 52 Week Range | ₹58.60 - ₹119.80 | ₹323.20 - ₹649.45 |
| % from 52W High | -23.96% | -7.42% |
| All-Time High | ₹149.00 (Jun 24, 2024) | ₹734.00 (May 29, 2023) |
| % from All-Time High | -38.87% | -18.09% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 1.07% | 0.95% |
| Quarterly Earnings Growth | -0.18% | 0.78% |
| Financial Health | ||
| Profit Margin (TTM) | 0.62% | 0.38% |
| Operating Margin (TTM) | 0.84% | 0.94% |
| Return on Equity (TTM) | 0.15% | 0.10% |
| Debt to Equity (MRQ) | 1,560.47 | 185.19 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹91.24 | ₹257.37 |
| Cash per Share (MRQ) | ₹70.57 | ₹35.97 |
| Operating Cash Flow (TTM) | ₹-3,298,950,000 | ₹-15,714,842,624 |
| Levered Free Cash Flow (TTM) | ₹2.33B | ₹-15,018,199,040 |
| Dividends | ||
| Last 12-Month Dividend Yield | 2.02% | N/A |
| Last 12-Month Dividend | ₹2.00 | N/A |
Valuation & Enterprise Metrics Analysis: PNB Gilts Ltd. vs SG Finserve Ltd.
| Metric | PNBGILTS (Apr 24, 2026) | SGFIN (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 7.41 | 24.51 |
| Forward P/E | N/A | N/A |
| PEG Ratio | -0.14 | 0.32 |
| Price to Sales (TTM) | 3.43 | 10.84 |
| Price to Book (MRQ) | 0.82 | 2.13 |
| Market Capitalization | ||
| Market Capitalization | ₹13.06B | ₹35.79B |
| Enterprise Value | ₹256.90B | ₹55.26B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 65.52 | 16.56 |
| Enterprise to EBITDA | 15.81 | 18.02 |
| Risk & Other Metrics | ||
| Beta | 0.42 | N/A |
| Book Value per Share (MRQ) | ₹91.24 | ₹257.37 |
Financial Statements Comparison: PNB Gilts Ltd. vs SG Finserve Ltd.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | PNBGILTS (2025) | SGFIN (2026) |
|---|---|---|
| Revenue/Sales | 15.56B | 3.33B |
| Cost of Goods Sold | 325.00M | 144.72M |
| COGS % of Revenue | 2.1% | 4.3% |
| Gross Profit | 15.23B | 3.18B |
| Gross Margin | 97.9% | 95.7% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 15.81B | 3.08B |
| Operating Margin | 101.6% | 92.4% |
| EBITDA | 16.25B | 3.08B |
| EBITDA Margin | 104.4% | 92.7% |
| Pre-Tax Income | 3.11B | 1.72B |
| Pre-Tax Income % of Revenue | 20.0% | 51.5% |
| Income Tax | 779.24M | 438.93M |
| Income Tax % of Revenue | 5.0% | 13.2% |
| Net Income (Profit) | 2.33B | 1.28B |
| Profit Margin | 15.0% | 38.4% |
Balance Sheet & Liquidity Metrics
| Metric | PNBGILTS (2025) | SGFIN (2026) |
|---|---|---|
| Cash & Equivalents | 616.60M | 1.52B |
| Total Current Assets | 245.99B | 41.30B |
| Total Current Assets % of Revenue | 1,581.1% | 1,240.9% |
| Total Current Liabilities | 231.52B | N/A |
| Total Current Liabilities % of Revenue | 1,488.1% | 0.0% |
| Long-Term Debt | 25.49M | 27.04B |
| Long-Term Debt % of Revenue | 0.2% | 812.5% |
| Total Shareholders Equity | 15.45B | 14.60B |
| Retained Earnings | 6.43B | N/A |
| Retained Earnings % of Revenue | 41.3% | 0.0% |
| Property, Plant & Equipment | 49.85M | N/A |
Cash Flow Statement Comparison
| Metric | PNBGILTS (2025) | SGFIN (2026) |
|---|---|---|
| Operating Cash Flow | -3.30B | -15.34B |
| Operating Cash Flow % of Revenue | -21.2% | -460.8% |
| Capital Expenditures | -9.75M | -4.01M |
| Free Cash Flow | -1.98B | -15.73B |
| FCF Margin | -12.7% | -472.5% |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | PNBGILTS | SGFIN |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 180.01M | 65.27M |
| Float Shares | 43.15M | 26.29M |
| % Held by Insiders | 76.12% | 60.91% |
| % Held by Institutions | 0.05% | 1.42% |
| % Held by Public | 23.83% | 37.67% |
Dividend Analysis & Yield Comparison: PNB Gilts Ltd. vs SG Finserve Ltd.
| Metric | PNBGILTS | SGFIN |
|---|---|---|
| Last 12-Month Dividend | ₹2.00 | N/A |
| Last 12-Month Dividend Yield | 2.02% | N/A |
| 3-Year Avg Annual Dividend | ₹0.67 | N/A |
| 3-Year Avg Dividend Yield | 0.91% | N/A |
| 3-Year Total Dividends | ₹2.00 | N/A |
| Ex-Dividend Date | Sep 10, 2025 | N/A |