Nifty
Sensex
:
:
26013.45
84950.95
103.40 (0.40%)
388.17 (0.46%)

Fintech

Rating :
68/99

BSE: 543390 | NSE: POLICYBZR

1815.70
17-Nov-2025
  • Open
  • High
  • Low
  • Previous Close
  •  1746.7
  •  1821
  •  1721.2
  •  1738.60
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  3081344
  •  5445980921.5
  •  2246.9
  •  1311.35

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 83,915.03
  • 181.79
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 83,534.67
  • N/A
  • 12.40

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 0.00%
  • 19.51%
  • 4.24%
  • FII
  • DII
  • Others
  • 43.64%
  • 22.23%
  • 10.38%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 49.37
  • 41.20
  • 24.84

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 10.22
  • 65.98
  • -0.91

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -6.66
  • -

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • 173.47

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • 9.59

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • 32.38

Earnings Forecasts:

(Updated: 08-11-2025)
Description
2024
2025
2026
2027
Adj EPS
7.77
14.15
24.21
33.89
P/E Ratio
233.68
128.32
75.00
53.58
Revenue
4977.21
6640.36
8581.17
10843.4
EBITDA
93.68
579.4
1187.75
1981.1
Net Income
353.01
652.36
1124.8
1601.2
ROA
4.95
6.1
10.81
12.82
P/B Ratio
12.96
11.71
10.17
8.62
ROE
5.74
9.67
14.76
17.75
FCFF
106.8
-398.34
482.68
383.89
FCFF Yield
0.14
-0.51
0.62
0.49
Net Debt
-1110.87
-828.02
-1386.5
-2189.42
BVPS
140.06
155.08
178.49
210.61

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Net Sales
1,613.55
1,167.23
38.24%
1,347.99
1,010.49
33.40%
1,507.87
1,089.57
38.39%
1,291.62
870.89
48.31%
Expenses
1,515.73
1,175.03
29.00%
1,313.60
1,049.74
25.14%
1,394.83
1,084.15
28.66%
1,263.94
896.39
41.00%
EBITDA
97.82
-7.80
-
34.39
-39.25
-
113.04
5.42
1,985.61%
27.68
-25.50
-
EBIDTM
6.06%
-0.67%
2.55%
-3.88%
7.50%
0.50%
2.14%
-2.93%
Other Income
84.51
106.02
-20.29%
98.75
100.26
-1.51%
101.09
98.31
2.83%
100.38
93.61
7.23%
Interest
9.23
8.98
2.78%
8.77
6.37
37.68%
9.17
6.57
39.57%
9.31
6.44
44.57%
Depreciation
33.86
29.39
15.21%
33.48
25.02
33.81%
33.29
23.80
39.87%
33.57
23.08
45.45%
PBT
139.24
59.85
132.65%
90.89
70.67
28.61%
171.67
73.36
134.01%
85.18
38.59
120.73%
Tax
7.17
9.28
-22.74%
7.69
10.82
-28.93%
0.79
12.70
-93.78%
13.58
0.00
0
PAT
132.07
50.57
161.16%
83.20
59.85
39.01%
170.88
60.66
181.70%
71.60
38.59
85.54%
PATM
8.19%
4.33%
6.17%
5.92%
11.33%
5.57%
5.54%
4.43%
EPS
2.94
1.11
164.86%
1.84
1.32
39.39%
3.72
1.34
177.61%
1.56
0.84
85.71%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 16
Mar 15
Net Sales
5,761.03
4,977.21
3,437.68
2,557.85
1,424.89
886.66
771.30
90.04
77.57
Net Sales Growth
39.22%
44.78%
34.40%
79.51%
60.70%
14.96%
756.62%
16.08%
 
Cost Of Goods Sold
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
5,761.03
4,977.21
3,437.68
2,557.85
1,424.89
886.66
771.30
90.04
77.57
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
5,488.10
4,883.31
3,623.68
3,219.21
2,327.03
1,046.29
1,091.06
216.33
146.67
Power & Fuel Cost
-
21.54
16.30
12.00
6.87
4.22
7.54
2.71
1.77
% Of Sales
-
0.43%
0.47%
0.47%
0.48%
0.48%
0.98%
3.01%
2.28%
Employee Cost
-
1,958.67
1,644.12
1,539.60
1,255.54
554.05
520.85
94.96
74.32
% Of Sales
-
39.35%
47.83%
60.19%
88.11%
62.49%
67.53%
105.46%
95.81%
Manufacturing Exp.
-
25.21
42.98
19.47
2.19
0.00
0.00
0.73
0.95
% Of Sales
-
0.51%
1.25%
0.76%
0.15%
0%
0%
0.81%
1.22%
General & Admin Exp.
-
448.41
307.88
239.49
182.88
116.83
113.20
20.39
11.25
% Of Sales
-
9.01%
8.96%
9.36%
12.83%
13.18%
14.68%
22.65%
14.50%
Selling & Distn. Exp.
-
2,383.18
1,593.57
1,399.30
870.90
367.87
445.22
86.70
51.93
% Of Sales
-
47.88%
46.36%
54.71%
61.12%
41.49%
57.72%
96.29%
66.95%
Miscellaneous Exp.
-
46.30
18.83
9.35
8.64
3.32
4.24
10.84
6.45
% Of Sales
-
0.93%
0.55%
0.37%
0.61%
0.37%
0.55%
12.04%
8.32%
EBITDA
272.93
93.90
-186.00
-661.36
-902.14
-159.63
-319.76
-126.29
-69.10
EBITDA Margin
4.74%
1.89%
-5.41%
-25.86%
-63.31%
-18.00%
-41.46%
-140.26%
-89.08%
Other Income
384.73
407.73
380.57
258.99
125.39
70.75
84.27
19.50
7.31
Interest
36.48
34.05
26.72
21.60
13.76
11.66
12.05
0.01
0.01
Depreciation
134.20
121.27
88.72
63.82
42.84
41.38
47.30
3.36
1.97
PBT
486.98
346.31
79.13
-487.79
-833.35
-141.91
-294.84
-110.16
-63.77
Tax
29.23
34.46
12.70
-0.02
-0.48
8.33
9.19
0.00
0.02
Tax Rate
6.00%
8.90%
16.05%
0.00%
0.06%
-5.87%
-3.12%
0.00%
-0.03%
PAT
457.75
353.01
66.98
-487.22
-832.91
-150.24
-304.03
-110.16
-63.79
PAT before Minority Interest
457.62
353.16
64.41
-487.94
-832.91
-150.24
-304.03
-110.16
-63.79
Minority Interest
-0.13
-0.15
2.57
0.72
0.00
0.00
0.00
0.00
0.00
PAT Margin
7.95%
7.09%
1.95%
-19.05%
-58.45%
-16.94%
-39.42%
-122.35%
-82.24%
PAT Growth
118.32%
427.04%
-
-
-
-
-
-
 
EPS
9.97
7.69
1.46
-10.61
-18.13
-3.27
-6.62
-2.40
-1.39

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Shareholder's Funds
6,432.28
5,871.03
5,476.30
5,411.66
1,991.73
1,265.85
Share Capital
91.85
90.24
90.02
89.90
1.23
1.11
Total Reserves
5,823.04
4,774.15
4,581.34
4,855.98
1,835.63
1,157.24
Non-Current Liabilities
374.91
261.57
218.30
174.09
126.33
107.10
Secured Loans
0.00
0.00
0.00
0.00
0.00
0.00
Unsecured Loans
0.00
0.00
0.00
0.00
0.00
0.00
Long Term Provisions
99.34
47.49
24.56
32.67
30.50
13.62
Current Liabilities
751.28
603.17
550.92
337.39
220.95
203.05
Trade Payables
366.94
301.06
306.10
198.19
101.91
117.93
Other Current Liabilities
320.19
260.80
216.58
118.72
102.70
71.50
Short Term Borrowings
0.00
0.00
0.00
0.00
0.00
0.00
Short Term Provisions
64.15
41.31
28.24
20.48
16.35
13.62
Total Liabilities
7,564.01
6,741.21
6,254.02
5,923.14
2,339.01
1,576.00
Net Block
417.83
358.62
313.29
204.90
124.76
147.32
Gross Block
753.10
585.47
473.84
320.62
212.12
206.08
Accumulated Depreciation
335.27
226.85
160.55
115.72
87.36
58.76
Non Current Assets
3,710.81
1,935.16
2,131.80
351.60
199.52
265.06
Capital Work in Progress
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
1,533.23
934.92
59.85
45.57
0.05
0.00
Long Term Loans & Adv.
608.86
367.30
155.51
95.59
68.43
117.58
Other Non Current Assets
1,150.89
274.32
1,603.15
5.54
6.28
0.16
Current Assets
3,853.20
4,806.05
4,122.22
5,571.54
2,139.50
1,310.94
Current Investments
639.96
423.55
562.25
327.50
137.71
1.99
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
999.61
634.11
677.31
360.87
172.90
178.77
Cash & Bank
793.13
734.97
762.72
3,700.24
1,810.18
1,105.63
Other Current Assets
1,420.50
17.26
12.69
9.77
18.71
24.55
Short Term Loans & Adv.
1,400.89
2,996.16
2,107.25
1,173.16
12.88
21.56
Net Current Assets
3,101.92
4,202.88
3,571.30
5,234.15
1,918.54
1,107.89
Total Assets
7,564.01
6,741.21
6,254.02
5,923.14
2,339.02
1,576.00

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Cash From Operating Activity
-183.14
8.65
-298.97
-1,567.88
28.71
-364.00
PBT
387.62
77.11
-487.96
-833.39
-141.91
-294.84
Adjustment
-62.13
82.09
372.97
544.94
82.75
-5.70
Changes in Working Capital
-391.19
48.48
-134.13
-1,255.66
39.41
-24.26
Cash after chg. in Working capital
-65.70
207.68
-249.12
-1,544.12
-19.76
-324.80
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-117.44
-199.03
-49.85
-23.76
48.47
-39.20
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
457.68
300.81
41.41
-2,126.61
-1,201.75
78.72
Net Fixed Assets
-0.03
-0.77
0.11
1.40
-13.19
Net Investments
-530.01
-937.94
-1,486.25
-1,269.80
-232.26
Others
987.72
1,239.52
1,527.55
-858.21
-956.30
Cash from Financing Activity
-72.69
-56.83
-42.50
3,621.42
758.81
1,031.30
Net Cash Inflow / Outflow
201.85
252.63
-300.06
-73.07
-414.24
746.02
Opening Cash & Equivalents
324.86
72.34
367.40
438.77
853.43
106.94
Closing Cash & Equivalent
560.51
324.86
72.34
367.40
438.77
853.43

Financial Ratios

Standalone /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Book Value (Rs.)
128.79
107.81
103.78
110.03
161.02
304547.11
ROA
4.94%
0.99%
-8.01%
-20.16%
-7.68%
-27.09%
ROE
6.55%
1.35%
-10.15%
-24.56%
-10.04%
-39.06%
ROCE
6.85%
1.83%
-8.57%
-22.14%
-8.00%
-32.16%
Fixed Asset Turnover
7.44
6.49
6.44
5.35
4.24
5.97
Receivable days
59.90
69.62
74.07
68.37
72.38
68.20
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
0.00
40.87
Cash Conversion Cycle
59.90
69.62
74.07
68.37
72.38
27.33
Total Debt/Equity
0.00
0.00
0.00
0.00
0.00
0.00
Interest Cover
12.38
3.89
-21.59
-59.55
-11.17
-23.46

News Update:


  • PB Fintech reports over two-fold jump in Q2 consolidated net profit
    30th Oct 2025, 12:30 PM

    The consolidated total income of the company increased by 33.36% at Rs 1,698.06 crore for Q2FY26

    Read More
  • PB Fintech - Quarterly Results
    30th Oct 2025, 00:00 AM

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.