WEBSITE BSE:543390 NSE: POLICYBZR Inc. Year: 2008 Industry: Fintech
Last updated: 15:56
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 domesti...Read More
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. ...Read Less
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Market Cap ₹84655 Cr.
Stock P/E 239.7
P/B 12.5
Current Price ₹1620
Book Value ₹ 129.8
Face Value 2
52W High ₹1977.8
Dividend Yield 0%
52W Low ₹ 1312.1
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 666 | 812 | 871 | 1090 | 1010 | 1167 | 1292 | 1508 | 1348 | 1614 |
| Other Income | 91 | 97 | 94 | 98 | 100 | 106 | 100 | 101 | 99 | 85 |
| Total Income | 757 | 909 | 965 | 1188 | 1111 | 1273 | 1392 | 1609 | 1447 | 1698 |
| Total Expenditure | 743 | 901 | 896 | 1084 | 1050 | 1175 | 1264 | 1395 | 1314 | 1516 |
| Operating Profit | 14 | 8 | 68 | 104 | 61 | 98 | 128 | 214 | 133 | 182 |
| Interest | 6 | 7 | 6 | 7 | 6 | 9 | 9 | 9 | 9 | 9 |
| Depreciation | 20 | 22 | 23 | 24 | 25 | 29 | 34 | 33 | 33 | 34 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 41 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | -12 | -21 | 39 | 73 | 71 | 60 | 85 | 172 | 91 | 139 |
| Provision for Tax | 0 | -0 | 0 | 13 | 11 | 9 | 14 | 1 | 8 | 7 |
| Profit After Tax | -12 | -21 | 39 | 61 | 60 | 51 | 72 | 171 | 83 | 132 |
| Adjustments | 1 | 1 | -1 | -0 | 0 | 0 | -0 | -0 | 1 | 3 |
| Profit After Adjustments | -11 | -20 | 38 | 61 | 60 | 51 | 72 | 171 | 85 | 135 |
| Adjusted Earnings Per Share | -0.3 | -0.4 | 0.8 | 1.3 | 1.3 | 1.1 | 1.6 | 3.7 | 1.8 | 2.9 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 78 | 90 | 184 | 334 | 492 | 771 | 887 | 1425 | 2558 | 3438 | 4977 | 5762 |
| Other Income | 7 | 19 | 24 | 26 | 37 | 84 | 71 | 125 | 259 | 381 | 408 | 385 |
| Total Income | 85 | 110 | 208 | 360 | 529 | 856 | 957 | 1550 | 2817 | 3818 | 5385 | 6146 |
| Total Expenditure | 147 | 216 | 223 | 386 | 852 | 1091 | 1046 | 2327 | 3219 | 3624 | 4883 | 5489 |
| Operating Profit | -62 | -107 | -15 | -26 | -323 | -235 | -89 | -777 | -402 | 195 | 502 | 657 |
| Interest | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 14 | 22 | 27 | 34 | 36 |
| Depreciation | 2 | 3 | 3 | 7 | 12 | 47 | 41 | 43 | 64 | 89 | 121 | 134 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 41 | 0 |
| Profit Before Tax | -64 | -110 | -18 | -34 | -335 | -295 | -142 | -833 | -488 | 77 | 388 | 487 |
| Provision for Tax | 0 | -0 | -25 | 26 | 9 | 9 | 8 | -0 | -0 | 13 | 34 | 30 |
| Profit After Tax | -64 | -110 | 7 | -59 | -344 | -304 | -150 | -833 | -488 | 64 | 353 | 458 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | -0 | 4 |
| Profit After Adjustments | -64 | -110 | 7 | -59 | -344 | -304 | -150 | -833 | -487 | 67 | 353 | 463 |
| Adjusted Earnings Per Share | -7.1 | -12.2 | 0.8 | -6.6 | -36.2 | -32 | -13.2 | -18.5 | -10.8 | 1.5 | 7.7 | 10 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 45% | 52% | 45% | 52% |
| Operating Profit CAGR | 157% | 0% | 0% | 0% |
| PAT CAGR | 452% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -11% | 53% | NA% | NA% |
| ROE Average | 7% | -1% | -7% | -27% |
| ROCE Average | 7% | 0% | -6% | -22% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 97 | 302 | 322 | 788 | 493 | 1266 | 1992 | 5412 | 5476 | 5871 | 6432 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9 | 5 | 6 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 2 | 4 | -24 | -3 | 12 | 116 | 126 | 174 | 218 | 262 | 375 |
| Total Current Liabilities | 27 | 40 | 49 | 85 | 164 | 203 | 221 | 337 | 551 | 603 | 751 |
| Total Liabilities | 126 | 345 | 347 | 870 | 668 | 1585 | 2339 | 5923 | 6254 | 6741 | 7564 |
| Fixed Assets | 4 | 6 | 4 | 11 | 34 | 147 | 125 | 205 | 313 | 359 | 418 |
| Other Non-Current Assets | 4 | 5 | 27 | 50 | 94 | 127 | 75 | 147 | 1819 | 1577 | 3293 |
| Total Current Assets | 118 | 334 | 316 | 810 | 541 | 1311 | 2139 | 5572 | 4122 | 4806 | 3853 |
| Total Assets | 126 | 345 | 347 | 870 | 668 | 1585 | 2339 | 5923 | 6254 | 6741 | 7564 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 59 | 5 | 19 | 42 | 38 | 107 | 853 | 439 | 367 | 72 | 325 |
| Cash Flow from Operating Activities | -102 | -97 | -34 | -83 | -456 | -364 | 29 | -1568 | -299 | 9 | -183 |
| Cash Flow from Investing Activities | -15 | -204 | 58 | -434 | 525 | 79 | -1202 | -2127 | 41 | 301 | 458 |
| Cash Flow from Financing Activities | 119 | 315 | 0 | 513 | 0 | 1031 | 759 | 3621 | -43 | -57 | -73 |
| Net Cash Inflow / Outflow | 2 | 13 | 24 | -5 | 69 | 746 | -414 | -73 | -300 | 253 | 202 |
| Closing Cash & Cash Equivalent | 61 | 19 | 42 | 38 | 107 | 853 | 439 | 367 | 72 | 325 | 561 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | -7.09 | -12.23 | 0.81 | -6.56 | -36.23 | -32 | -13.18 | -18.53 | -10.82 | 1.48 | 7.69 |
| CEPS(Rs) | 0 | 0 | 1.19 | 0 | 0 | 0 | -9.55 | -17.58 | -9.42 | 3.39 | 10.33 |
| DPS(Rs) | 0 | 0 | 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 | 107.81 | 128.79 |
| Core EBITDA Margin(%) | -89.08 | -140.25 | -21.01 | -15.71 | -73.01 | -41.46 | -18 | -63.31 | -25.86 | -5.41 | 1.89 |
| EBIT Margin(%) | -82.2 | -122.32 | -9.74 | -10.02 | -68 | -36.66 | -14.69 | -57.52 | -18.23 | 3.02 | 8.47 |
| Pre Tax Margin(%) | -82.21 | -122.34 | -9.75 | -10.04 | -68.02 | -38.23 | -16.01 | -58.49 | -19.08 | 2.24 | 7.79 |
| PAT Margin (%) | -82.23 | -122.34 | 3.98 | -17.72 | -69.93 | -39.42 | -16.94 | -58.45 | -19.08 | 1.87 | 7.1 |
| Cash Profit Margin (%) | -79.69 | -118.61 | 5.82 | -15.5 | -67.51 | -33.29 | -12.28 | -55.45 | -16.58 | 4.45 | 9.53 |
| ROA(%) | -50.68 | -46.8 | 2.11 | -9.72 | -44.74 | -26.98 | -7.66 | -20.16 | -8.01 | 0.99 | 4.94 |
| ROE(%) | -84.3 | -63.41 | 2.62 | -11.49 | -60.31 | -39.06 | -10.04 | -24.56 | -10.15 | 1.35 | 6.55 |
| ROCE(%) | -65.65 | -55.24 | -5.75 | -6.03 | -52.27 | -32.16 | -8 | -22.14 | -8.57 | 1.83 | 6.85 |
| Receivable days | 119.93 | 129.58 | 81.76 | 76.52 | 76.2 | 68.2 | 72.38 | 68.37 | 74.07 | 69.62 | 59.9 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 756.99 | 206.75 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.3 | 6.16 | 10.42 | 12.34 |
| Dividend Yield(%) | 0 | 0 | 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 | 14.54 | 14.5 |
| EV/Core EBITDA(x) | 0.98 | 0.32 | 2.92 | 1.81 | 0.82 | 4.69 | 20.35 | -35.35 | -69.57 | 256.82 | 143.92 |
| Net Sales Growth(%) | 0 | 16.08 | 104.28 | 81.55 | 47.41 | 56.69 | 14.96 | 60.7 | 79.51 | 34.4 | 44.78 |
| EBIT Growth(%) | 0 | -72.74 | 83.74 | -86.83 | -900.13 | 15.51 | 53.94 | -529.26 | 43.1 | 122.26 | 306.12 |
| PAT Growth(%) | 0 | -72.7 | 106.64 | -908.67 | -481.54 | 11.67 | 50.58 | -454.38 | 41.42 | 113.2 | 448.3 |
| EPS Growth(%) | 0 | -72.55 | 106.65 | -906.43 | -452.46 | 11.67 | 58.82 | -40.6 | 41.58 | 113.71 | 417.8 |
| Debt/Equity(x) | 0 | 0 | 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 | 7.97 | 5.13 |
| Quick Ratio(x) | 4.46 | 8.41 | 6.41 | 9.51 | 3.3 | 6.46 | 9.68 | 16.51 | 7.48 | 7.97 | 5.13 |
| Interest Cover(x) | 0 | -8197.53 | -891.16 | -445.62 | -2923.21 | -23.46 | -11.17 | -59.55 | -21.59 | 3.89 | 12.38 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 44.17 | 43.97 | 40.59 | 48.97 | 51.58 | 49.71 | 47.79 | 45.93 | 46.76 | 43.61 |
| DII | 20.77 | 21.74 | 24.39 | 16.65 | 16.18 | 18.31 | 20.46 | 22.95 | 23.3 | 26.64 |
| Public | 35.06 | 34.29 | 35.02 | 34.39 | 32.24 | 31.98 | 31.75 | 31.12 | 29.94 | 29.75 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 19.88 | 19.79 | 18.31 | 22.09 | 23.52 | 22.67 | 21.95 | 21.09 | 21.47 | 20.03 |
| DII | 9.35 | 9.78 | 11 | 7.51 | 7.38 | 8.35 | 9.39 | 10.54 | 10.7 | 12.24 |
| Public | 15.78 | 15.44 | 15.8 | 15.51 | 14.7 | 14.59 | 14.58 | 14.29 | 13.75 | 13.66 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 45.01 | 45.01 | 45.1 | 45.12 | 45.6 | 45.61 | 45.92 | 45.93 | 45.93 | 45.93 |
* The pros and cons are machine generated.
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