PB Fintech, 543390, POLICYBZR Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

77,846.59
134.35
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

77,466.23
N/A
11.17

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

-
-
203.84

P:BV (Average)

8 Years
5 Years
3 Years

-
9.26
10.55

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-21.39
49.15

Earnings Forecasts:

(Updated: 14-03-2026)

Description 2024 2025 2026 2027
Adj EPS 7.77 14.28 23.6 34.01
P/E Ratio 191.60 104.25 63.08 43.77
Revenue 4977.21 6732.03 8792.71 11161.8
EBITDA 93.68 573.82 1192.27 2115.8
Net Income 353.01 663.23 1096.77 1589.2
ROA 4.95 7.81 11.6 14.27
P/B Ratio 10.63 9.58 8.29 6.99
ROE 5.74 9.77 14.65 17.71
FCFF 106.8 219.76 726.2 926.85
FCFF Yield 0.16 0.33 1.09 1.39
Net Debt -1110.87 -398.74 -616.28 -1104.24
BVPS 140.06 155.39 179.48 212.96

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var%
Net Sales 53.66 38.89 37.98% 49.38 37.63 31.23% 40.19 30.07 33.65% 46.85 34.31 36.55%
Expenses 86.56 85.36 1.41% 99.39 98.14 1.27% 87.61 82.91 5.67% 141.45 103.16 37.12%
EBITDA -32.90 -46.47 - -50.01 -60.51 - -47.42 -52.84 - -94.60 -68.85 -
EBIDTM -61.31% -119.49% -101.28% -160.80% -117.99% -175.72% -201.92% -200.67%
Other Income 54.05 65.38 -17.33% 52.48 67.73 -22.52% 56.45 62.20 -9.24% 63.22 63.37 -0.24%
Interest 0.82 0.05 1,540.00% 0.83 0.09 822.22% 0.29 0.10 190.00% 0.04 0.13 -69.23%
Depreciation 0.89 0.82 8.54% 0.91 0.81 12.35% 0.86 0.81 6.17% 0.84 0.74 13.51%
PBT 19.44 18.04 7.76% 0.73 6.32 -88.45% 7.88 11.67 -32.48% -21.10 -6.62 -
Tax 3.69 4.11 -10.22% 0.04 0.93 -95.70% 0.66 1.77 -62.71% -5.31 8.06 -
PAT 15.75 13.93 13.07% 0.69 5.39 -87.20% 7.22 9.90 -27.07% -15.79 -14.68 -
PATM 29.35% 35.82% 1.40% 14.32% 17.96% 32.92% -33.70% -42.79%
EPS 0.34 0.30 13.33% 0.01 0.12 -91.67% 0.16 0.21 -23.81% -0.34 -0.32 -

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var%
Net Sales 1,771.15 1,291.62 37.13% 1,613.55 1,167.23 38.24% 1,347.99 1,010.49 33.40% 1,507.87 1,089.57 38.39%
Expenses 1,612.37 1,264.00 27.56% 1,515.73 1,175.03 29.00% 1,313.60 1,049.74 25.14% 1,394.83 1,084.15 28.66%
EBITDA 158.78 27.62 474.87% 97.82 -7.80 - 34.39 -39.25 - 113.04 5.42 1,985.61%
EBIDTM 8.96% 2.14% 6.06% -0.67% 2.55% -3.88% 7.50% 0.50%
Other Income 84.85 100.40 -15.49% 84.51 106.02 -20.29% 98.75 100.26 -1.51% 101.09 98.31 2.83%
Interest 9.31 9.31 0.00% 9.23 8.98 2.78% 8.77 6.37 37.68% 9.17 6.57 39.57%
Depreciation 33.76 33.57 0.57% 33.86 29.39 15.21% 33.48 25.02 33.81% 33.29 23.80 39.87%
PBT 200.56 85.14 135.56% 139.24 59.85 132.65% 90.89 70.67 28.61% 171.67 73.36 134.01%
Tax 11.64 13.58 -14.29% 7.17 9.28 -22.74% 7.69 10.82 -28.93% 0.79 12.70 -93.78%
PAT 188.92 71.56 164.00% 132.07 50.57 161.16% 83.20 59.85 39.01% 170.88 60.66 181.70%
PATM 10.67% 5.54% 8.19% 4.33% 6.17% 5.92% 11.33% 5.57%
EPS 4.09 1.56 162.18% 2.94 1.11 164.86% 1.84 1.32 39.39% 3.72 1.34 177.61%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Sales 190.08 153.44 110.29 134.15 103.18 123.42 61.11 49.95 79.15 104.79 50.11 Net Sales Growth 34.90% 39.12% -17.79% 30.02% -16.40% 101.96% 22.34% -36.89% -24.47% 109.12% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 190.08 153.44 110.29 134.15 103.18 123.42 61.11 49.95 79.15 104.79 50.11 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 415.01 407.76 314.14 400.35 512.60 143.61 89.27 89.42 122.13 74.44 146.26 Power & Fuel Cost - 0.61 0.57 0.57 0.29 0.53 0.35 0.22 0.06 0.08 0.50 % Of Sales - 0.40% 0.52% 0.42% 0.28% 0.43% 0.57% 0.44% 0.08% 0.08% 1.00% Employee Cost - 169.17 238.39 381.98 483.80 130.45 76.15 32.86 30.54 21.41 34.31 % Of Sales - 110.25% 216.15% 284.74% 468.89% 105.70% 124.61% 65.79% 38.58% 20.43% 68.47% Manufacturing Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% General & Admin Exp. - 14.75 12.16 12.12 23.94 10.17 9.27 51.03 24.16 10.95 14.43 % Of Sales - 9.61% 11.03% 9.03% 23.20% 8.24% 15.17% 102.16% 30.52% 10.45% 28.80% Selling & Distn. Exp. - 223.23 62.82 3.03 3.78 2.25 3.33 4.43 67.23 41.63 75.68 % Of Sales - 145.48% 56.96% 2.26% 3.66% 1.82% 5.45% 8.87% 84.94% 39.73% 151.03% Miscellaneous Exp. - 0.00 0.20 2.65 0.79 0.20 0.16 0.88 0.14 0.37 75.68 % Of Sales - 0% 0.18% 1.98% 0.77% 0.16% 0.26% 1.76% 0.18% 0.35% 42.59% EBITDA -224.93 -254.32 -203.85 -266.20 -409.42 -20.19 -28.16 -39.47 -42.98 30.35 -96.15 EBITDA Margin -118.33% -165.75% -184.83% -198.43% -396.80% -16.36% -46.08% -79.02% -54.30% 28.96% -191.88% Other Income 226.20 258.49 252.11 196.79 114.25 56.02 86.88 34.13 24.66 23.07 18.91 Interest 1.98 0.31 0.69 1.00 1.18 2.33 1.44 0.01 0.02 0.01 0.00 Depreciation 3.50 3.28 3.05 3.74 3.90 3.80 9.20 1.03 2.88 1.48 2.25 PBT 6.95 0.58 44.52 -74.15 -300.25 29.70 48.09 -6.38 -21.22 51.92 -79.49 Tax -0.92 1.49 8.06 0.00 -0.56 8.33 9.18 9.43 25.52 -25.53 0.00 Tax Rate -13.24% 9.96% 18.21% 0.00% 0.19% 30.48% 48.49% -147.81% -120.26% -49.17% 0.00% PAT 7.87 13.47 36.19 -74.15 -299.68 19.01 9.74 -15.81 -46.73 77.46 -79.49 PAT before Minority Interest 7.87 13.47 36.19 -74.15 -299.68 19.01 9.74 -15.81 -46.73 77.46 -79.49 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 4.14% 8.78% 32.81% -55.27% -290.44% 15.40% 15.94% -31.65% -59.04% 73.92% -158.63% PAT Growth -45.87% -62.78% - - - 95.17% - - - - EPS 0.17 0.29 0.78 -1.60 -6.48 0.41 0.21 -0.34 -1.01 1.67 -1.72

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Sales 6,240.56 4,977.21 3,437.68 2,557.85 1,424.89 886.66 771.30 492.24 333.93 183.94 90.04 Net Sales Growth 36.89% 44.78% 34.40% 79.51% 60.70% 14.96% 56.69% 47.41% 81.54% 104.29% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 6,240.56 4,977.21 3,437.68 2,557.85 1,424.89 886.66 771.30 492.24 333.93 183.94 90.04 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 5,836.53 4,883.31 3,623.68 3,219.21 2,327.03 1,046.29 1,091.06 851.63 386.39 222.59 216.33 Power & Fuel Cost - 21.54 16.30 12.00 6.87 4.22 7.54 6.11 3.44 2.55 2.71 % Of Sales - 0.43% 0.47% 0.47% 0.48% 0.48% 0.98% 1.24% 1.03% 1.39% 3.01% Employee Cost - 1,958.67 1,644.12 1,539.60 1,255.54 554.05 520.85 352.89 170.91 105.69 94.96 % Of Sales - 39.35% 47.83% 60.19% 88.11% 62.49% 67.53% 71.69% 51.18% 57.46% 105.46% Manufacturing Exp. - 25.21 42.98 19.47 2.19 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0.51% 1.25% 0.76% 0.15% 0% 0% 0% 0% 0% 0% General & Admin Exp. - 448.41 307.88 239.49 182.88 116.83 113.20 125.08 68.92 38.67 31.02 % Of Sales - 9.01% 8.96% 9.36% 12.83% 13.18% 14.68% 25.41% 20.64% 21.02% 34.45% Selling & Distn. Exp. - 2,383.18 1,593.57 1,399.30 870.90 367.87 445.22 345.85 142.23 74.90 86.82 % Of Sales - 47.88% 46.36% 54.71% 61.12% 41.49% 57.72% 70.26% 42.59% 40.72% 96.42% Miscellaneous Exp. - 46.30 18.83 9.35 8.64 3.32 4.24 21.69 0.88 0.79 86.82 % Of Sales - 0.93% 0.55% 0.37% 0.61% 0.37% 0.55% 4.41% 0.26% 0.43% 0.91% EBITDA 404.03 93.90 -186.00 -661.36 -902.14 -159.63 -319.76 -359.39 -52.46 -38.65 -126.29 EBITDA Margin 6.47% 1.89% -5.41% -25.86% -63.31% -18.00% -41.46% -73.01% -15.71% -21.01% -140.26% Other Income 369.20 407.73 380.57 258.99 125.39 70.75 84.27 36.56 26.40 24.13 19.50 Interest 36.48 34.05 26.72 21.60 13.76 11.66 12.05 0.11 0.08 0.02 0.01 Depreciation 134.39 121.27 88.72 63.82 42.84 41.38 47.30 11.89 7.41 3.39 3.36 PBT 602.36 346.31 79.13 -487.79 -833.35 -141.91 -294.84 -334.82 -33.54 -17.93 -110.16 Tax 27.29 34.46 12.70 -0.02 -0.48 8.33 9.19 9.38 25.65 -25.25 0.00 Tax Rate 4.53% 8.90% 16.05% 0.00% 0.06% -5.87% -3.12% -2.80% -76.48% 140.83% 0.00% PAT 575.07 353.01 66.98 -487.22 -832.91 -150.24 -304.03 -344.20 -59.19 7.32 -110.16 PAT before Minority Interest 574.89 353.16 64.41 -487.94 -832.91 -150.24 -304.03 -344.20 -59.19 7.32 -110.16 Minority Interest -0.18 -0.15 2.57 0.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 9.22% 7.09% 1.95% -19.05% -58.45% -16.94% -39.42% -69.93% -17.73% 3.98% -122.35% PAT Growth 137.01% 427.04% - - - - - - - - EPS 12.43 7.63 1.45 -10.53 -18.00 -3.25 -6.57 -7.44 -1.28 0.16 -2.38

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 7,957.53 7,729.37 7,362.70 6,894.80 2,940.99 2,042.90 956.62 921.70 442.99 347.02 Share Capital 91.85 90.24 90.02 89.90 1.23 1.11 0.88 0.87 0.68 0.68 Total Reserves 7,348.67 6,632.78 6,467.95 6,339.13 2,784.89 1,934.29 863.16 875.90 409.08 317.12 Non-Current Liabilities 2.39 11.65 7.87 19.10 22.68 1.71 2.85 -7.10 -26.63 1.04 Secured Loans 0.00 0.00 0.00 0.00 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 0.00 0.00 0.00 0.00 Long Term Provisions 2.39 10.62 3.03 10.84 11.34 1.71 1.12 0.61 7.19 0.19 Current Liabilities 99.53 72.68 16.46 18.12 43.19 19.59 8.59 44.82 59.23 15.98 Trade Payables 35.21 50.96 4.26 9.18 3.32 3.36 2.46 40.27 54.82 13.84 Other Current Liabilities 62.20 19.38 10.24 6.87 37.42 14.22 4.77 4.17 4.25 1.99 Short Term Borrowings 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Provisions 2.12 2.34 1.96 2.07 2.45 2.01 1.36 0.38 0.17 0.16 Total Liabilities 8,059.45 7,813.70 7,387.03 6,932.02 3,006.86 2,064.20 968.06 959.42 475.59 364.04 Net Block 2.73 5.72 8.00 11.50 15.73 3.48 1.82 1.79 2.68 5.50 Gross Block 23.46 23.43 22.66 22.77 24.17 10.98 4.54 7.38 5.39 14.81 Accumulated Depreciation 20.73 17.71 14.66 11.28 8.44 7.50 2.72 5.59 2.71 9.31 Non Current Assets 6,015.75 4,944.45 5,197.97 2,254.69 1,195.28 935.23 582.64 257.38 229.45 62.17 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Non Current Investment 4,888.27 4,740.94 3,796.69 2,204.03 1,146.48 914.22 556.04 239.01 211.41 53.42 Long Term Loans & Adv. 70.61 61.19 35.83 39.17 32.08 17.51 24.44 15.99 14.51 3.24 Other Non Current Assets 1,054.14 136.60 1,357.45 0.00 0.98 0.02 0.34 0.60 0.85 0.00 Current Assets 2,043.70 2,869.25 2,189.06 4,677.32 1,811.58 1,128.98 385.42 702.04 246.14 301.88 Current Investments 482.21 99.53 105.84 212.25 0.00 0.00 103.22 645.90 182.15 222.81 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.66 1.81 0.89 5.56 11.95 7.76 4.13 27.56 30.32 26.53 Cash & Bank 577.33 504.22 489.08 3,242.57 1,751.34 1,068.29 201.94 16.19 23.19 29.24 Other Current Assets 983.50 0.78 0.78 2.08 48.30 52.94 76.13 12.39 10.49 23.30 Short Term Loans & Adv. 982.57 2,262.91 1,592.47 1,214.86 46.15 52.52 75.49 12.05 9.69 22.58 Net Current Assets 1,944.17 2,796.57 2,172.60 4,659.21 1,768.40 1,109.38 376.83 657.22 186.91 285.90 Total Assets 8,059.45 7,813.70 7,387.03 6,932.01 3,006.86 2,064.21 968.06 959.42 475.59 364.05

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 6,432.28 5,871.03 5,476.30 5,411.66 1,991.73 1,265.85 492.90 787.80 321.75 301.63 Share Capital 91.85 90.24 90.02 89.90 1.23 1.11 0.88 0.87 0.68 0.68 Total Reserves 5,823.04 4,774.15 4,581.34 4,855.98 1,835.63 1,157.24 399.44 742.01 287.83 271.73 Non-Current Liabilities 374.91 261.57 218.30 174.09 126.33 116.29 11.86 -2.68 -23.80 3.54 Secured Loans 0.00 0.00 0.00 0.00 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 0.00 0.00 0.00 0.00 Long Term Provisions 99.34 47.49 24.56 32.67 30.50 22.80 9.22 4.71 9.87 2.68 Current Liabilities 751.28 603.17 550.92 337.39 220.95 203.05 163.72 85.17 49.33 39.69 Trade Payables 366.94 301.06 306.10 198.19 101.91 117.93 111.02 46.80 24.71 28.28 Other Current Liabilities 320.19 260.80 216.58 118.72 102.70 71.50 42.71 34.05 22.64 9.91 Short Term Borrowings 0.00 0.00 0.00 0.00 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 9.99 4.32 1.98 1.50 Total Liabilities 7,564.01 6,741.21 6,254.02 5,923.14 2,339.01 1,585.19 668.48 870.29 347.28 344.86 Net Block 417.83 358.62 313.29 204.90 124.76 147.32 33.89 10.76 4.35 6.24 Gross Block 753.10 585.47 473.84 320.62 212.12 206.08 52.42 21.43 7.60 16.06 Accumulated Depreciation 335.27 226.85 160.55 115.72 87.36 58.76 18.53 10.67 3.26 9.82 Non Current Assets 3,710.81 1,935.16 2,131.80 351.60 199.52 274.25 127.85 60.46 31.03 10.97 Capital Work in Progress 0.00 0.00 0.00 0.00 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 0.00 0.00 0.00 0.00 Long Term Loans & Adv. 608.86 367.30 155.51 95.59 68.43 126.77 92.30 48.33 25.34 4.73 Other Non Current Assets 1,150.89 274.32 1,603.15 5.54 6.28 0.16 1.67 1.36 1.34 0.00 Current Assets 3,853.20 4,806.05 4,122.22 5,571.54 2,139.50 1,310.94 540.63 809.83 316.24 333.89 Current Investments 639.96 423.55 562.25 327.50 137.71 1.99 125.25 649.76 203.84 236.90 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 999.61 634.11 677.31 360.87 172.90 178.77 109.46 96.06 43.96 38.45 Cash & Bank 793.13 734.97 762.72 3,700.24 1,810.18 1,105.63 267.12 48.02 43.11 34.33 Other Current Assets 1,420.50 17.26 12.69 9.77 18.71 24.55 38.80 15.99 25.33 24.21 Short Term Loans & Adv. 1,400.89 2,996.16 2,107.25 1,173.16 12.88 21.56 34.50 14.40 23.34 23.22 Net Current Assets 3,101.92 4,202.88 3,571.30 5,234.15 1,918.54 1,107.89 376.90 724.66 266.91 294.20 Total Assets 7,564.01 6,741.21 6,254.02 5,923.14 2,339.02 1,585.19 668.48 870.29 347.27 344.86

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 16 Mar 15
Cash From Operating Activity -102.88 42.64 -4.95 -56.73 70.77 -12.91 -55.66 -125.50 PBT 14.96 44.25 -74.15 -300.25 29.70 48.09 -79.49 -61.59 Adjustment -146.16 -52.39 149.79 336.35 32.95 -55.00 2.25 1.15 Changes in Working Capital 47.10 76.03 -76.30 -85.73 13.78 0.17 5.01 -82.23 Cash after chg. in Working capital -84.10 67.89 -0.66 -49.63 76.43 -6.74 -72.24 -142.67 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -18.78 -25.25 -4.29 -7.10 -5.66 -6.17 3.14 1.73 Other Direct Exp. Paid 0.00 0.00 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 13.43 15.44 Cash From Investing Activity 315.69 95.32 -179.71 -3,748.45 -1,282.85 -267.02 -247.91 -13.48 Net Fixed Assets -0.03 -0.77 0.11 1.40 -13.19 3.83 -5.07 Net Investments -530.01 -937.94 -1,486.25 -1,269.80 -232.26 -637.99 -240.63 Others 845.73 1,034.03 1,306.43 -2,480.05 -1,037.40 367.14 -2.21 Cash from Financing Activity -2.50 -3.49 -3.48 3,641.82 776.05 1,049.73 314.66 140.48 Net Cash Inflow / Outflow 210.31 134.47 -188.14 -163.36 -436.03 769.80 11.09 1.50 Opening Cash & Equivalents 163.90 29.43 217.57 380.93 816.96 47.16 2.50 1.00 Closing Cash & Equivalent 374.21 163.90 29.43 217.57 380.93 816.96 13.59 2.50

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

Consolidated /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 14 Mar 13 Mar 12 Mar 11
Book Value (Rs.) 162.01 149.00 145.70 143.03 244.29 509034.53 11988.87 15189.99 6700.39 1359.12 ROA 0.17% 0.48% -1.04% -6.03% 0.75% 0.64% -31.05% -37.29% -59.94% -83.98% ROE 0.19% 0.55% -1.14% -6.50% 0.81% 0.70% -36.57% -46.28% -101.71% -241.55% ROCE 0.19% 0.60% -1.03% -6.08% 1.19% 1.36% -36.30% -45.92% -100.79% -239.06% Fixed Asset Turnover 6.54 4.79 5.91 4.40 7.02 7.87 5.89 5.74 8.07 6.78 Receivable days 2.94 4.47 8.77 30.98 29.14 35.50 85.10 123.19 125.06 184.92 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 11.92 1941.20 1015.96 2297.50 4163.17 Cash Conversion Cycle 2.94 4.47 8.77 30.98 29.14 23.59 -1856.10 -892.77 -2172.44 -3978.25 Total Debt/Equity 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Interest Cover 49.26 65.13 -73.15 -252.97 12.73 14.16 0.00 0.00 0.00 0.00

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

Top Investors:

makesense technologies limited

diphda internet services limited

yashish dahiya

new world fund inc

axis mutual fund trustee limited a/c axis mutual fund a/c axis midcap fund

tencent cloud europe b.v.

hdfc mutual fund - hdfc mid-cap fund

startup investments (holding) limited

franklin india focused equity fund

mirae asset large & midcap fund

Annual Reports:

News Update:

PB Fintech incorporates step down wholly-owned subsidiary
28th Feb 2026, 11:42 AM

Paisa Financial Services will carry on the collection business
Read More
PB Fintech - Quarterly Results
3rd Feb 2026, 00:00 AM

Read More

PB Fintech Ltd.

Fintech

BSE: 543390 | NSE: POLICYBZR

Stock Summary

Chart

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

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Top Investors:

Annual Reports:

News Update:

PB Fintech Ltd.

Fintech

BSE: 543390 | NSE: POLICYBZR

Stock Summary

Shareholding Pattern

Chart

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

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Top Investors:

Annual Reports:

News Update: