Nifty
Sensex
:
:
24363.30
79857.79
-232.85 (-0.95%)
-765.47 (-0.95%)

Fintech

Rating :
64/99

BSE: 543390 | NSE: POLICYBZR

1769.40
08-Aug-2025
  • Open
  • High
  • Low
  • Previous Close
  •  1771
  •  1789.8
  •  1753.6
  •  1773.90
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  595136
  •  1054929515
  •  2246.9
  •  1311.35

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 81,357.43
  • 215.56
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 80,564.30
  • N/A
  • 12.48

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 0.00%
  • 19.63%
  • 4.29%
  • FII
  • DII
  • Others
  • 46.75%
  • 19.58%
  • 9.75%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 46.10
  • 34.84
  • 34.12

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 10.41
  • -10.27
  • -27.08

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 30.02
  • -

P:E (Median)

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

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • 8.79

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • 17.94

Earnings Forecasts:

(Updated: 06-06-2025)
Description
2024
2025
2026
2027
Adj EPS
1.5
7.77
16.14
25.71
P/E Ratio
1179.60
227.72
109.63
68.82
Revenue
3438
4977
6548
8390
EBITDA
-186
94
642
1168
Net Income
67
353
749
1185
ROA
1
5
9
12.8
P/B Ratio
10.33
12.63
11.37
9.81
ROE
1.18
5.74
11.08
15.42
FCFF
114
107
-414
-461
FCFF Yield
0.14
0.14
-0.52
-0.58
Net Debt
-905
-1111
-1632
-2242
BVPS
171.31
140.06
155.57
180.33

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Net Sales
1,347.99
1,010.49
33.40%
1,507.87
1,089.57
38.39%
1,291.62
870.89
48.31%
1,167.23
811.63
43.81%
Expenses
1,313.60
1,049.74
25.14%
1,394.83
1,084.15
28.66%
1,263.94
896.39
41.00%
1,175.02
900.72
30.45%
EBITDA
34.39
-39.25
-
113.04
5.42
1,985.61%
27.68
-25.50
-
-7.79
-89.09
-
EBIDTM
2.55%
-3.88%
7.50%
0.50%
2.14%
-2.93%
-0.67%
-10.98%
Other Income
98.75
100.26
-1.51%
101.09
98.31
2.83%
100.38
93.61
7.23%
106.00
97.49
8.73%
Interest
8.77
6.37
37.68%
9.17
6.57
39.57%
9.31
6.44
44.57%
8.98
7.18
25.07%
Depreciation
33.48
25.02
33.81%
33.29
23.80
39.87%
33.57
23.08
45.45%
29.39
22.32
31.68%
PBT
90.89
70.67
28.61%
171.67
73.36
134.01%
85.18
38.59
120.73%
59.84
-21.10
-
Tax
7.69
10.82
-28.93%
0.79
12.70
-93.78%
13.58
0.00
0
9.27
-0.32
-
PAT
83.20
59.85
39.01%
170.88
60.66
181.70%
71.60
38.59
85.54%
50.57
-20.78
-
PATM
6.17%
5.92%
11.33%
5.57%
5.54%
4.43%
4.33%
-2.56%
EPS
1.84
1.32
39.39%
3.72
1.34
177.61%
1.56
0.84
85.71%
1.11
-0.45
-

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 16
Mar 15
Net Sales
5,314.71
3,437.68
2,557.85
1,424.89
886.66
771.30
90.04
77.57
Net Sales Growth
40.50%
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
Gross Profit
5,314.71
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%
Total Expenditure
5,147.39
3,623.68
3,219.21
2,327.03
1,046.29
1,091.06
216.33
146.67
Power & Fuel Cost
-
16.30
12.00
6.87
4.22
7.54
2.71
1.77
% Of Sales
-
0.47%
0.47%
0.48%
0.48%
0.98%
3.01%
2.28%
Employee Cost
-
1,644.12
1,539.60
1,255.54
554.05
520.85
94.96
74.32
% Of Sales
-
47.83%
60.19%
88.11%
62.49%
67.53%
105.46%
95.81%
Manufacturing Exp.
-
42.98
19.47
2.19
0.00
0.00
0.73
0.95
% Of Sales
-
1.25%
0.76%
0.15%
0%
0%
0.81%
1.22%
General & Admin Exp.
-
307.88
239.49
182.88
116.83
113.20
20.39
11.25
% Of Sales
-
8.96%
9.36%
12.83%
13.18%
14.68%
22.65%
14.50%
Selling & Distn. Exp.
-
1,593.57
1,399.30
870.90
367.87
445.22
86.70
51.93
% Of Sales
-
46.36%
54.71%
61.12%
41.49%
57.72%
96.29%
66.95%
Miscellaneous Exp.
-
18.83
9.35
8.64
3.32
4.24
10.84
6.45
% Of Sales
-
0.55%
0.37%
0.61%
0.37%
0.55%
12.04%
8.32%
EBITDA
167.32
-186.00
-661.36
-902.14
-159.63
-319.76
-126.29
-69.10
EBITDA Margin
3.15%
-5.41%
-25.86%
-63.31%
-18.00%
-41.46%
-140.26%
-89.08%
Other Income
406.22
380.57
258.99
125.39
70.75
84.27
19.50
7.31
Interest
36.23
26.72
21.60
13.76
11.66
12.05
0.01
0.01
Depreciation
129.73
88.72
63.82
42.84
41.38
47.30
3.36
1.97
PBT
407.58
79.13
-487.79
-833.35
-141.91
-294.84
-110.16
-63.77
Tax
31.33
12.70
-0.02
-0.48
8.33
9.19
0.00
0.02
Tax Rate
7.69%
16.05%
0.00%
0.06%
-5.87%
-3.12%
0.00%
-0.03%
PAT
376.25
66.98
-487.22
-832.91
-150.24
-304.03
-110.16
-63.79
PAT before Minority Interest
375.84
64.41
-487.94
-832.91
-150.24
-304.03
-110.16
-63.79
Minority Interest
-0.41
2.57
0.72
0.00
0.00
0.00
0.00
0.00
PAT Margin
7.08%
1.95%
-19.05%
-58.45%
-16.94%
-39.42%
-122.35%
-82.24%
PAT Growth
172.01%
-
-
-
-
-
-
 
EPS
8.19
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 24
Mar 23
Mar 22
Mar 21
Mar 20
Shareholder's Funds
5,871.03
5,476.30
5,411.66
1,991.73
1,265.85
Share Capital
90.24
90.02
89.90
1.23
1.11
Total Reserves
4,774.15
4,581.34
4,855.98
1,835.63
1,157.24
Non-Current Liabilities
261.57
218.30
174.09
126.33
107.10
Secured Loans
0.00
0.00
0.00
0.00
0.00
Unsecured Loans
0.00
0.00
0.00
0.00
0.00
Long Term Provisions
47.49
24.56
32.67
30.50
13.62
Current Liabilities
603.17
550.92
337.39
220.95
203.05
Trade Payables
301.06
306.10
198.19
101.91
117.93
Other Current Liabilities
260.80
216.58
118.72
102.70
71.50
Short Term Borrowings
0.00
0.00
0.00
0.00
0.00
Short Term Provisions
41.31
28.24
20.48
16.35
13.62
Total Liabilities
6,741.21
6,254.02
5,923.14
2,339.01
1,576.00
Net Block
358.62
313.29
204.90
124.76
147.32
Gross Block
585.47
473.84
320.62
212.12
206.08
Accumulated Depreciation
226.85
160.55
115.72
87.36
58.76
Non Current Assets
1,918.75
2,131.80
351.60
199.52
265.06
Capital Work in Progress
0.00
0.00
0.00
0.00
0.00
Non Current Investment
934.92
59.85
45.57
0.05
0.00
Long Term Loans & Adv.
350.89
155.51
95.59
68.43
117.58
Other Non Current Assets
274.32
1,603.15
5.54
6.28
0.16
Current Assets
4,822.46
4,122.22
5,571.54
2,139.50
1,310.94
Current Investments
423.55
562.25
327.50
137.71
1.99
Inventories
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
650.52
677.31
360.87
172.90
178.77
Cash & Bank
734.97
762.72
3,700.24
1,810.18
1,105.63
Other Current Assets
3,013.42
12.69
9.77
5.83
24.55
Short Term Loans & Adv.
2,996.16
2,107.25
1,173.16
12.88
21.56
Net Current Assets
4,219.29
3,571.30
5,234.15
1,918.54
1,107.89
Total Assets
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 24
Mar 23
Mar 22
Mar 21
Mar 20
Cash From Operating Activity
8.65
-298.97
-1,567.88
28.71
-364.00
PBT
77.11
-487.96
-833.39
-141.91
-294.84
Adjustment
82.09
372.97
544.94
82.75
-5.70
Changes in Working Capital
48.48
-134.13
-1,255.66
39.41
-24.26
Cash after chg. in Working capital
207.68
-249.12
-1,544.12
-19.76
-324.80
Interest Paid
0.00
0.00
0.00
0.00
0.00
Tax Paid
-199.03
-49.85
-23.76
48.47
-39.20
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
300.81
41.41
-2,126.61
-1,201.75
78.72
Net Fixed Assets
-0.77
0.11
1.40
-13.19
Net Investments
-937.94
-1,486.25
-1,269.80
-232.26
Others
1,239.52
1,527.55
-858.21
-956.30
Cash from Financing Activity
-56.83
-42.50
3,621.42
758.81
1,031.30
Net Cash Inflow / Outflow
252.63
-300.06
-73.07
-414.24
746.02
Opening Cash & Equivalents
72.34
367.40
438.77
853.43
106.94
Closing Cash & Equivalent
324.86
72.34
367.40
438.77
853.43

Financial Ratios

Standalone /

Consolidated
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Book Value (Rs.)
107.81
103.78
110.03
161.02
304547.11
ROA
0.99%
-8.01%
-20.16%
-7.68%
-27.09%
ROE
1.35%
-10.15%
-24.56%
-10.04%
-39.06%
ROCE
1.83%
-8.57%
-22.14%
-8.00%
-32.16%
Fixed Asset Turnover
6.49
6.44
5.35
4.24
5.97
Receivable days
70.49
74.07
68.37
72.38
68.20
Inventory Days
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
40.87
Cash Conversion Cycle
70.49
74.07
68.37
72.38
27.33
Total Debt/Equity
0.00
0.00
0.00
0.00
0.00
Interest Cover
3.89
-21.59
-59.55
-11.17
-23.46

News Update:


  • IRDAI slaps Rs 5 crore penalty on PB Fintech’s Policybazaar
    5th Aug 2025, 12:50 PM

    The penalty is for violation of provisions of applicable IRDAI Regulations with respect to certain aspects pertaining to Directorships held by KMPs and PO, product display, Outsourcing Agreements, tagging of policies and premium remittance

    Read More
  • PB Fintech incorporates new step-down subsidiary in Dubai
    10th Jul 2025, 09:41 AM

    Paisabazaar Middle East will carry on the business of Marketing Management, Fintech and Commercial Information Services

    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.