PB Fintech

₹1197 -29.3 | 2.4%

WEBSITE BSE:543390 NSE : POLICYBZR 10 May, 16:01

Market Cap ₹54009 Cr.

Stock P/E 807.1

P/B 9.2

Current Price ₹1197

Book Value ₹ 130.2

Face Value 2

52W High ₹1400

Dividend Yield 0%

52W Low ₹ 587.8

Edit Ratio

PB Fintech Research see more...

Equity Research: PB Fintech Ltd

Start up Valuation - Bubble or Leap of Faith

Overview Inc. Year: 2008Industry: Fintech

PB Fintech Ltd operates a online platform for coverage and lending merchandise in India. It operates in two segments, Insurance Web Aggregator Services and Other Services. The employer offers Policybazaar, an internet platform to shop for and sell coverage merchandise, including term, health, motor, home, and tour insurance for clients and insurance companions; and Paisabazaar, an independent digital lending platform that permits consumers to evaluate, select, and apply for private credit merchandise, including personal, enterprise, and domestic loans, as well as credit cards and loans in opposition to belongings. It also gives call centre and online healthcare associated offerings; online advertising, consulting, and guide offerings; and guide services in motor automobile claims and associated assistance, in addition to engages within the online, offline, and direct advertising and marketing of insurance products. The company was founded in 2008 and is based in Gurugram, India.

PB Fintech Share Price

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Peer Comparison

PB Fintech Quarterly Results

#(Fig in Cr.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Net Sales	367	540	505	573	610	869	666	812	871	1090
Other Income	34	51	47	60	69	82	91	97	94	98
Total Income	401	591	553	634	679	951	757	909	965	1188
Total Expenditure	685	795	739	800	743	937	743	901	896	1084
Operating Profit	-284	-204	-187	-166	-64	14	14	8	68	104
Interest	3	4	4	6	6	6	6	7	6	7
Depreciation	11	12	13	16	18	17	20	22	23	24
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	-298	-220	-204	-187	-87	-9	-12	-21	39	73
Provision for Tax	0	-1	-0	0	0	-0	0	-0	0	13
Profit After Tax	-298	-220	-204	-187	-87	-9	-12	-21	39	61
Adjustments	-0	-0	-0	0	0	0	1	1	-1	-0
Profit After Adjustments	-298	-220	-204	-187	-87	-9	-11	-20	38	61
Adjusted Earnings Per Share	-6.6	-4.9	-4.5	-4.2	-1.9	-0.2	-0.3	-0.4	0.8	1.3

PB Fintech Profit & Loss

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Net Sales	78	90	184	334	492	771	887	1425	2558	3439
Other Income	7	19	24	26	37	84	71	125	259	380
Total Income	85	110	208	360	529	856	957	1550	2817	3819
Total Expenditure	147	216	223	386	852	1091	1046	2327	3219	3624
Operating Profit	-62	-107	-15	-26	-323	-235	-89	-777	-402	194
Interest	0	0	0	0	0	12	12	14	22	26
Depreciation	2	3	3	7	12	47	41	43	64	89
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	-64	-110	-18	-34	-335	-295	-142	-833	-488	79
Provision for Tax	0	-0	-25	26	9	9	8	-0	-0	13
Profit After Tax	-64	-110	7	-59	-344	-304	-150	-833	-488	67
Adjustments	0	0	0	0	0	0	0	0	1	1
Profit After Adjustments	-64	-110	7	-59	-344	-304	-150	-833	-487	68
Adjusted Earnings Per Share	-7.1	-12.2	0.8	-6.6	-36.2	-32	-13.2	-18.5	-10.8	1.4

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	80%	49%	50%	0%
Operating Profit CAGR	0%	0%	0%	0%
PAT CAGR	0%	0%	0%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	95%	NA%	NA%	NA%
ROE Average	-10%	-15%	-29%	-33%
ROCE Average	-9%	-13%	-25%	-28%

PB Fintech Balance Sheet

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	97	302	322	788	493	1266	1992	5412	5476
Minority's Interest	0	0	0	0	0	0	0	0	8
Borrowings	0	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	2	4	-24	-3	12	116	126	174	218
Total Current Liabilities	27	40	49	85	164	203	221	337	551
Total Liabilities	126	345	347	870	668	1585	2339	5923	6254
Fixed Assets	4	6	4	11	34	147	125	205	313
Other Non-Current Assets	4	5	27	50	94	127	75	147	1819
Total Current Assets	118	334	316	810	541	1311	2139	5572	4122
Total Assets	126	345	347	870	668	1585	2339	5923	6254

PB Fintech Cash Flow

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	59	5	19	42	38	107	853	439	367
Cash Flow from Operating Activities	-102	-97	-34	-83	-456	-364	29	-1568	-299
Cash Flow from Investing Activities	-15	-204	58	-434	525	79	-1202	-2127	41
Cash Flow from Financing Activities	119	315	0	513	0	1031	759	3621	-43
Net Cash Inflow / Outflow	2	13	24	-5	69	746	-414	-73	-300
Closing Cash & Cash Equivalent	61	19	42	38	107	853	439	367	72

PB Fintech Ratios

#	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	-7.09	-12.23	0.81	-6.56	-36.23	-32	-13.18	-18.53	-10.82
CEPS(Rs)	0	0	1.19	0	0	0	-9.55	-17.58	-9.42
DPS(Rs)	0	0	0	0	0	0	0	0	0
Book NAV/Share(Rs)	8.41	30.18	31.99	82.22	42.05	121.82	161.02	110.03	103.78
Core EBITDA Margin(%)	-89.08	-140.25	-21.01	-15.71	-73.01	-41.46	-18	-63.31	-25.86
EBIT Margin(%)	-82.2	-122.32	-9.74	-10.02	-68	-36.66	-14.69	-57.52	-18.23
Pre Tax Margin(%)	-82.21	-122.34	-9.75	-10.04	-68.02	-38.23	-16.01	-58.49	-19.08
PAT Margin (%)	-82.23	-122.34	3.98	-17.72	-69.93	-39.42	-16.94	-58.45	-19.08
Cash Profit Margin (%)	-79.69	-118.61	5.82	-15.5	-67.51	-33.29	-12.28	-55.45	-16.58
ROA(%)	-50.68	-46.8	2.11	-9.72	-44.74	-26.98	-7.66	-20.16	-8.01
ROE(%)	-84.3	-63.41	2.62	-11.49	-60.31	-39.06	-10.04	-24.56	-10.15
ROCE(%)	-65.65	-55.24	-5.75	-6.03	-52.27	-32.16	-8	-22.14	-8.57
Receivable days	119.93	129.58	81.76	76.52	76.2	68.2	72.38	68.37	74.07
Inventory Days	0	0	0	0	0	0	0	0	0
Payable days	0	0	0	0	0	0	0	0	0
PER(x)	0	0	0	0	0	0	0	0	0
Price/Book(x)	0	0	0	0	0	0	0	6.3	6.16
Dividend Yield(%)	0	0	0	0	0	0	0	0	0
EV/Net Sales(x)	-0.78	-0.37	-0.23	-0.14	-0.54	-1.43	-2.04	19.27	10.94
EV/Core EBITDA(x)	0.98	0.32	2.92	1.81	0.82	4.69	20.35	-35.35	-69.57
Net Sales Growth(%)	0	16.08	104.28	81.55	47.41	56.69	14.96	60.7	79.51
EBIT Growth(%)	0	-72.74	83.74	-86.83	-900.13	15.51	53.94	-529.26	43.1
PAT Growth(%)	0	-72.7	106.64	-908.67	-481.54	11.67	50.58	-454.38	41.42
EPS Growth(%)	0	-72.55	106.65	-906.43	-452.46	11.67	58.82	-40.6	41.58
Debt/Equity(x)	0	0	0	0	0	0	0	0	0
Current Ratio(x)	4.46	8.41	6.41	9.51	3.3	6.46	9.68	16.51	7.48
Quick Ratio(x)	4.46	8.41	6.41	9.51	3.3	6.46	9.68	16.51	7.48
Interest Cover(x)	0	-8197.53	-891.16	-445.62	-2923.21	-23.46	-11.17	-59.55	-21.59
Total Debt/Mcap(x)	0	0	0	0	0	0	0	0	0

PB Fintech Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	10.56	12.01	14.08	12.48	42.56	44.98	44.17	43.97	40.59	48.97
DII	15.12	14.87	13.73	15.41	20.32	19.4	20.77	21.74	24.39	16.65
Public	74.32	73.11	72.19	72.12	37.11	35.62	35.06	34.29	35.02	34.39
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

Pros

Company is almost debt free.

Cons

Promoter holding is low: 0%.
Company has a low return on equity of -15% over the last 3 years.
Stock is trading at 9.2 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

PB Fintech News

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Current Price: 625/-

Mobikwik

IPO

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	4.75	5.4	6.33	5.61	19.16	20.25	19.88	19.79	18.31	22.09
DII	6.8	6.69	6.17	6.93	9.15	8.73	9.35	9.78	11	7.51
Public	33.4	32.86	32.45	32.42	16.71	16.03	15.78	15.44	15.8	15.51
Others	0	0	0	0	0	0	0	0	0	0
Total	44.95	44.95	44.95	44.95	45.01	45.01	45.01	45.01	45.1	45.12

PB Fintech

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PB Fintech Research see more...

Overview Inc. Year: 2008Industry: Fintech

PB Fintech Share Price

Alert Data

Quarterly Price

Peer Comparison

PB Fintech Quarterly Results

PB Fintech Profit & Loss

Growth Rates

PB Fintech Balance Sheet

PB Fintech Cash Flow

PB Fintech Ratios

PB Fintech Shareholding Pattern

PB Fintech News

Top Unlisted Companies & InstaBuy Companies

Mobikwik

IPO

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