PB Fintech
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PB Fintech share price

PB Fintech Ltd.

NSE: POLICYBZR BSE: 543390 SECTOR: Fintech  287k   314   145

1888.90
+2.80 (0.15%)
BSE: 13 Jun 04:01 PM

Price Summary

Today's High

₹ 1898

Today's Low

₹ 1819.5

52 Week High

₹ 2254.95

52 Week Low

₹ 1273.25

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 86749.11 Cr.

Enterprise Value

₹ 86244.89 Cr.

No. of Shares

45.93 Cr.

P/E

6440.16

P/B

10.9

Face Value

₹ 2

Div. Yield

0 %

Book Value (TTM)

₹  173.27

CASH

₹ 504.22 Cr.

DEBT

₹ 0 Cr.

Promoter Holding

0 %

EPS (TTM)

₹  0.29

Sales Growth

-17.79%

ROE

0.55 %

ROCE

0.6%

Profit Growth

148.81 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Brands

These are the brands of PB Fintech Ltd.

Policybazaar Paisabazaar

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Sales Growth

1 Year-17.79%
3 Year-3.68%
5 Year17.16%

Profit Growth

1 Year148.81%
3 Year23.94%
5 Year33.8%

ROE%

1 Year0.55%
3 Year-2.37%
5 Year-1.12%

ROCE %

1 Year0.6%
3 Year-2.17%
5 Year-0.79%

Debt/Equity

0

Price to Cash Flow

2034.45

Interest Cover Ratio

65.1304

CFO/PAT (5 Yr. Avg.)

0

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 0.00 0.00
Dec 2024 0.00 0.00
Sep 2024 0.00 0.00
Jun 2024 0.00 0.00
Mar 2024 0.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company is virtually debt free.
  • The company has an efficient Cash Conversion Cycle of 4.4678 days.
  • Company has a healthy liquidity position with current ratio of 39.4778.
  • The company has a strong degree of Operating leverage, Average Operating leverage stands at 20.3391111766355.

 Limitations

  • The company has shown a poor revenue growth of -3.68081365874192% for the Past 3 years.
  • Company has a poor ROE of -2.36729498033996% over the past 3 years.
  • Company has a poor ROCE of -2.17057082727667% over the past 3 years
  • The company has a low EBITDA margin of -168.496292660735% over the past 5 years.
  • The company is trading at a high PE of 6440.16.
  • The company is trading at a high EV/EBITDA of 20783.3783.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Net Sales 34.31 30.07 37.63 38.89 46.85
Total Expenditure 103.16 82.91 98.13 85.3 141.45
Operating Profit -68.85 -52.84 -60.5 -46.41 -94.6
Other Income 63.37 62.2 67.71 65.36 63.22
Interest 0.13 0.1 0.09 0.05 0.04
Depreciation 0.74 0.81 0.81 0.82 0.84
Exceptional Items -0.27 3.22 0 0 11.16
Profit Before Tax -6.62 11.67 6.31 18.08 -21.1
Tax 8.06 1.77 0.92 4.11 -5.31
Profit After Tax -14.68 9.9 5.39 13.97 -15.79
Adjusted EPS (Rs) -0.33 0.22 0.12 0.3 -0.34

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Net Sales 61.11 123.42 103.18 134.15 110.29
Total Expenditure 89.27 143.61 512.6 400.35 314.14
Operating Profit -28.16 -20.18 -409.42 -266.2 -203.85
Other Income 86.88 56.02 114.25 196.79 252.11
Interest 1.44 2.33 1.18 1 0.69
Depreciation 9.2 3.8 3.9 3.74 3.05
Exceptional Items -29.16 -2.37 0 0 -0.27
Profit Before Tax 18.93 27.33 -300.25 -74.15 44.25
Tax 9.18 8.33 -0.56 0 8.06
Net Profit 9.74 19.01 -299.68 -74.15 36.19
Adjusted EPS (Rs.) 1.03 1.67 -6.67 -1.65 0.8

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 1.11 1.23 89.9 90.02 90.24
Total Reserves 2041.79 2939.76 6804.9 7272.68 7639.13
Borrowings 0 0 0 0 0
Other N/C liabilities 1.71 22.68 19.1 7.87 11.65
Current liabilities 19.59 43.19 18.12 16.46 72.68
Total Liabilities 2064.21 3006.86 6932.01 7387.03 7813.7
Assets
Net Block 3.48 15.73 11.5 8 5.72
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 914.22 1146.48 2204.03 3796.69 4740.94
Loans & Advances 17.51 32.08 39.17 35.83 61.19
Other N/C Assets 0.02 0.98 0 1357.45 136.6
Current Assets 1128.98 1811.58 4677.32 2189.06 2869.25
Total Assets 2064.21 3006.86 6932.01 7387.03 7813.7
* Other Non-current Liabilities include Net deferred Liabilities

Cash Flows (All Figures are in Crores.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Profit from operations 18.93 29.7 -300.25 -74.15 44.25
Adjustment -25.84 32.95 336.35 149.79 -52.39
Changes in Assets & Liabilities -97.63 13.78 -85.73 -76.3 76.03
Tax Paid -6.17 -5.66 -7.1 -4.29 -25.25
Operating Cash Flow -110.71 70.77 -56.73 -4.95 42.64
Investing Cash Flow -170.48 -1282.85 -3748.45 -179.71 95.32
Financing Cash Flow 1049.73 776.05 3641.82 -3.48 -3.49
Net Cash Flow 768.54 -436.03 -163.36 -188.14 134.47

Corporate Actions

Investors Details

 No Promoters Data available for this company.
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PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 100.00 100.00 100.00 100.00 100.00
alok bansal 1.67 1.27 1.27 1.40 1.40
axis max life insurance l... - - - - 1.15
axis mutual fund trustee ... 1.70 1.93 - 2.67 2.80
diphda internet services ... 4.18 4.14 4.14 4.11 4.11
franklin india focused eq... 1.48 1.88 1.81 1.78 1.79
hdfc life insurance compa... - - 1.01 1.02 1.15
hdfc mutual fund - hdfc m... 1.90 1.94 1.94 2.00 2.03
llp 0.22 0.23 0.22 0.20 0.20
makesense technologies li... 13.27 13.13 - - 13.04
new world fund inc 5.89 6.34 6.33 5.69 4.12
nps trust- a/c sbi pensio... - - - 1.51 2.49
smallcap world fund, inc - 1.38 1.38 1.30 1.30
startup investments (hold... 1.92 1.90 1.90 1.89 1.89
tencent cloud europe b.v.... 6.26 4.26 2.14 2.12 2.12
yashish dahiya 4.63 4.03 4.03 4.31 4.31
hsbc midcap fund - - - 1.21 -
makesense technologies lt... - - 13.13 13.04 -
max life insurance compan... - 1.74 1.62 1.63 -
axis mutual fund trustee ... - - 2.56 - -
kotak funds - india midca... 1.68 1.59 1.45 - -
steadview capital mauriti... 1.32 1.31 - - -
government pension fund g... 1.05 - - - -
max life insurance co lt... 1.73 - - - -
mirae asset large & midca... 1.32 - - - -
smallcap world fund inc 2.02 - - - -
wf asian smaller companie... 1.06 - - - -

Annual Reports

Title Action
Annual Report 2024
Annual Report 2023
Annual Report 2022

Ratings & Research Reports

TYPE AGENCY ACTION
No Credit reports exist for this company.Report us
TYPE AGENCY ACTION
Research Geojit
Research BP Wealth

Concalls & Presentations

TYPE QUARTER ACTION
Concall Q4FY24
Concall Q4FY22
Concall Q3FY25
Concall Q3FY24
Concall Q3FY23
Concall Q3FY22
Concall Q1FY23
TYPE QUARTER ACTION
Presentation Q3FY25
Presentation Q1FY25

Company News

Last Updated on:
Brief about PB Fintech
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