Last Updated2026-06-02

Market View

₹79.23(▲2.67%)

Reporting PeriodQ3 FY26

PNBGILTSPNBGILTS Forensic Risk Analysis

Name: PNBGILTS Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Investment Company

Risk ClassStable

Market Cap₹1,154 Cr

Primary DriverGovernance

Flagium AI Risk Score

4 / 100

-5 QoQ

Improving

Sentinel Insight

Financial profile remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

19.2th %ile (Sector)Accel: +0 Qtrs

Updated2026-06-02

Market View

₹79.23▲2.67%

PeriodQ3 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Stability Adjustment

+4.0 pts

Final Composite Risk4 / 100

Investment Risk Thesis

Historical Trend

Current risk score has declined from 16 → 4 over 13 quarters.

Expected Direction

🟢 Improving

Primary Deterioration Drivers

NIM Compression

What to Watch Next Quarter

Operating profit margins

Active Risk Objects (1)

CriticalHigh

NIM Compression

📊 Earnings QualityQuarterlyActive for 7 Qtrs

More Detail

Impact Weight10/15

MomentumPersistent

Last SignalQ3 FY2026

PNBGILTS: NIM declining for 3 consecutive quarters.

"Early signs of margin compression detected. Core interest income is being squeezed."

Risk Trajectory

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Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	4.33	4.02	⚠️ HIGH
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+62.0	+56.0	✅ RESILIENT

Forensic Benchmark Context: Investment Company (n=27 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

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Share Price

Risk Score (0-100)

Market Performance

₹79.23(+2.67%)

1M Divergence+13.03%

1 Week+1.24%

1 Month+12.3%

6 Months-7.33%

1 Year-20.86%

2 Year-20.45%

3 Year+27.89%

Sector Average (1M)-0.73%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

PNBGILTS • MARKET STRUCTURE

Stage 1 — Accumulation

The company is in a foundational phase. Risk metrics are stabilizing as the company builds a base for potential future fundamental improvement.

Stage Transition Prob.5%

Trend QualityEarly Base

Phase Progression

Phase Progression Score25%

Readiness LabelLow (Early Base Consolidation)

Probability of Advancing5%

CoinTree Momentum

Composite Z-Score+0.0289σ

Improving momentum strength

Universe Rank#932 of 2716

Top 34.32% in momentum strength

Timeframe Sparklines

1W+1.2%

1M+12.3%

6M-7.3%

Weinstein Indicators

150 DMA₹78.43

200 DMA₹83.64

150 DMA Slope-3.5570%Declining

Relative Strength-1.84%Neutral

Relative Turnover (RTR)2.6228

ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

This company appears relatively stable compared to the Sector Mean (10).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
PNBGILTSPNBGILTS	4	19th	-5	1	+0	GovernanceStable
3PLAND3P Land Holdings Limited	5	31th	+5	7	+1	Earnings QualityStable
BLUECHIPBlue Chip India Limited	15	77th	-5	11	+0	GovernanceStable
BLBLIMITEDBLB Limited	16	81th	+2	10	+2	Earnings QualityStable