PB Fintech

₹1676.4 22.8 | 1.4%

WEBSITE BSE:543390 NSE : POLICYBZR 21 Apr, 10:44

Market Cap ₹76990 Cr.

Stock P/E 1195.3

P/B 12.5

Current Price ₹1676.4

Book Value ₹ 134.6

Face Value 2

52W High ₹2255

Dividend Yield 0%

52W Low ₹ 1160.5

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

New

Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

Show Value Show %

Peer Comparison

PB Fintech Quarterly Results

#(Fig in Cr.)	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Net Sales	573	610	869	666	812	871	1090	1010	1167	1292
Other Income	60	69	82	91	97	94	98	100	106	100
Total Income	634	679	951	757	909	965	1188	1111	1273	1392
Total Expenditure	800	743	937	743	901	896	1084	1050	1175	1264
Operating Profit	-166	-64	14	14	8	68	104	61	98	128
Interest	6	6	6	6	7	6	7	6	9	9
Depreciation	16	18	17	20	22	23	24	25	29	34
Exceptional Income / Expenses	0	0	0	0	0	0	0	41	0	0
Profit Before Tax	-187	-87	-9	-12	-21	39	73	71	60	85
Provision for Tax	0	0	-0	0	-0	0	13	11	9	14
Profit After Tax	-187	-87	-9	-12	-21	39	61	60	51	72
Adjustments	0	0	0	1	1	-1	-0	0	0	-0
Profit After Adjustments	-187	-87	-9	-11	-20	38	61	60	51	72
Adjusted Earnings Per Share	-4.2	-1.9	-0.2	-0.3	-0.4	0.8	1.3	1.3	1.1	1.6

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	Mar 2024	TTM
Net Sales	78	90	184	334	492	771	887	1425	2558	3438	4559
Other Income	7	19	24	26	37	84	71	125	259	381	404
Total Income	85	110	208	360	529	856	957	1550	2817	3818	4964
Total Expenditure	147	216	223	386	852	1091	1046	2327	3219	3624	4573
Operating Profit	-62	-107	-15	-26	-323	-235	-89	-777	-402	195	391
Interest	0	0	0	0	0	12	12	14	22	27	31
Depreciation	2	3	3	7	12	47	41	43	64	89	112
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0	41
Profit Before Tax	-64	-110	-18	-34	-335	-295	-142	-833	-488	77	289
Provision for Tax	0	-0	-25	26	9	9	8	-0	-0	13	47
Profit After Tax	-64	-110	7	-59	-344	-304	-150	-833	-488	64	244
Adjustments	0	0	0	0	0	0	0	0	1	3	0
Profit After Adjustments	-64	-110	7	-59	-344	-304	-150	-833	-487	67	244
Adjusted Earnings Per Share	-7.1	-12.2	0.8	-6.6	-36.2	-32	-13.2	-18.5	-10.8	1.5	5.3

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	34%	57%	48%	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	40%	30%	NA%	NA%
ROE Average	1%	-11%	-16%	-30%
ROCE Average	2%	-10%	-14%	-25%

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	Mar 2024
Shareholder's Funds	97	302	322	788	493	1266	1992	5412	5476	5871
Minority's Interest	0	0	0	0	0	0	0	0	9	5
Borrowings	0	0	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	2	4	-24	-3	12	116	126	174	218	262
Total Current Liabilities	27	40	49	85	164	203	221	337	551	603
Total Liabilities	126	345	347	870	668	1585	2339	5923	6254	6741
Fixed Assets	4	6	4	11	34	147	125	205	313	359
Other Non-Current Assets	4	5	27	50	94	127	75	147	1819	1560
Total Current Assets	118	334	316	810	541	1311	2139	5572	4122	4822
Total Assets	126	345	347	870	668	1585	2339	5923	6254	6741

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	Mar 2024
Opening Cash & Cash Equivalents	59	5	19	42	38	107	853	439	367	72
Cash Flow from Operating Activities	-102	-97	-34	-83	-456	-364	29	-1568	-299	9
Cash Flow from Investing Activities	-15	-204	58	-434	525	79	-1202	-2127	41	301
Cash Flow from Financing Activities	119	315	0	513	0	1031	759	3621	-43	-57
Net Cash Inflow / Outflow	2	13	24	-5	69	746	-414	-73	-300	253
Closing Cash & Cash Equivalent	61	19	42	38	107	853	439	367	72	325

PB Fintech Ratios

#	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	-7.09	-12.23	0.81	-6.56	-36.23	-32	-13.18	-18.53	-10.82	1.48
CEPS(Rs)	0	0	1.19	0	0	0	-9.55	-17.58	-9.42	3.39
DPS(Rs)	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
Core EBITDA Margin(%)	-89.08	-140.25	-21.01	-15.71	-73.01	-41.46	-18	-63.31	-25.86	-5.41
EBIT Margin(%)	-82.2	-122.32	-9.74	-10.02	-68	-36.66	-14.69	-57.52	-18.23	3.02
Pre Tax Margin(%)	-82.21	-122.34	-9.75	-10.04	-68.02	-38.23	-16.01	-58.49	-19.08	2.24
PAT Margin (%)	-82.23	-122.34	3.98	-17.72	-69.93	-39.42	-16.94	-58.45	-19.08	1.87
Cash Profit Margin (%)	-79.69	-118.61	5.82	-15.5	-67.51	-33.29	-12.28	-55.45	-16.58	4.45
ROA(%)	-50.68	-46.8	2.11	-9.72	-44.74	-26.98	-7.66	-20.16	-8.01	0.99
ROE(%)	-84.3	-63.41	2.62	-11.49	-60.31	-39.06	-10.04	-24.56	-10.15	1.35
ROCE(%)	-65.65	-55.24	-5.75	-6.03	-52.27	-32.16	-8	-22.14	-8.57	1.83
Receivable days	119.93	129.58	81.76	76.52	76.2	68.2	72.38	68.37	74.07	70.49
Inventory Days	0	0	0	0	0	0	0	0	0	0
Payable days	0	0	0	0	0	0	0	0	0	0
PER(x)	0	0	0	0	0	0	0	0	0	756.99
Price/Book(x)	0	0	0	0	0	0	0	6.3	6.16	10.42
Dividend Yield(%)	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
EV/Core EBITDA(x)	0.98	0.32	2.92	1.81	0.82	4.69	20.35	-35.35	-69.57	256.82
Net Sales Growth(%)	0	16.08	104.28	81.55	47.41	56.69	14.96	60.7	79.51	34.4
EBIT Growth(%)	0	-72.74	83.74	-86.83	-900.13	15.51	53.94	-529.26	43.1	122.26
PAT Growth(%)	0	-72.7	106.64	-908.67	-481.54	11.67	50.58	-454.38	41.42	113.2
EPS Growth(%)	0	-72.55	106.65	-906.43	-452.46	11.67	58.82	-40.6	41.58	113.71
Debt/Equity(x)	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	8
Quick Ratio(x)	4.46	8.41	6.41	9.51	3.3	6.46	9.68	16.51	7.48	8
Interest Cover(x)	0	-8197.53	-891.16	-445.62	-2923.21	-23.46	-11.17	-59.55	-21.59	3.89
Total Debt/Mcap(x)	0	0	0	0	0	0	0	0	0	0

PB Fintech Shareholding Pattern

#	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Promoter	0	0	0	0	0	0	0	0	0	0
FII	42.56	44.98	44.17	43.97	40.59	48.97	51.58	49.71	47.79	45.93
DII	20.32	19.4	20.77	21.74	24.39	16.65	16.18	18.31	20.46	22.95
Public	37.11	35.62	35.06	34.29	35.02	34.39	32.24	31.98	31.75	31.12
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 -11% over the last 3 years.
Stock is trading at 12.5 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

Top Unlisted Companies & InstaBuy Companies

Sell or Purchase Share (Tentative Price)

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 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Promoter	0	0	0	0	0	0	0	0	0	0
FII	19.16	20.25	19.88	19.79	18.31	22.09	23.52	22.67	21.95	21.09
DII	9.15	8.73	9.35	9.78	11	7.51	7.38	8.35	9.39	10.54
Public	16.71	16.03	15.78	15.44	15.8	15.51	14.7	14.59	14.58	14.29
Others	0	0	0	0	0	0	0	0	0	0
Total	45.01	45.01	45.01	45.01	45.1	45.12	45.6	45.61	45.92	45.93

PB Fintech

Add Watchlist

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

IPO

Sharescart: India's #1 Marketplace to Find Your Winning Stock

Please Login!

Error!

Enter Your Complaint