PB Fintech
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PB Fintech share price

PB Fintech Ltd.

  3.6 L   336   148 NSE: POLICYBZR BSE: 543390 SECTOR: Fintech

934.20
-65.80 (-6.58%)
BSE: Today, 01:18 PM

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Price Summary

Today's High

₹ 1017

Today's Low

₹ 926

52 Week High

₹ 1963

52 Week Low

₹ 945

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsVery Stable
The company possesses stable growth history and manageable debt.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 43230.36 Cr.

Enterprise Value

₹ 43004.04 Cr.

No. of Shares

46.28 Cr.

P/E

95.08

P/B

4.96

Face Value

₹ 2

Div. Yield

0 %

Book Value (TTM)

₹  188.33

CASH

₹ 226.32 Cr.

DEBT

₹ 0 Cr.

Promoter Holding

0 %

EPS (TTM)

₹  9.83

Sales Growth

35.8%

ROE

0.55 %

ROCE

0.61%

Profit Growth

230.73 %

Add Your Ratio

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

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Brands

These are the brands of PB Fintech Ltd.

Policybazaar Paisabazaar

Index Presence

The company is present in 42 Indices.

NIFTYMIDCAP

NIFTY Midcap 100
57782.75
  481.5 (0.840295805065328%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank
28778.95
  274.25 (0.962122036015112%)

NIFTY500

Nifty 500
22088.55
  192.649999999998 (0.879845085152908%)

NIFTYMIDCAP150

Nifty Midcap 150
21240.2
  192.700000000001 (0.915548164865188%)

NFTMIDSMLFINSER

Nifty MidSmall Financial Services
20041.25
  113.150000000001 (0.567791209397783%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
19695.6
  195.599999999999 (1.00307692307691%)

NFTMIDSML40050:50

Nifty MidSmallcap400 50:50
19259.95
  198.25 (1.04004364773342%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
17348.75
  165.799999999999 (0.964909983442874%)

MIDCAP50

Nifty Midcap 50
16662.7
  149.400000000001 (0.904725282045393%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
15676.45
  134.900000000001 (0.867995791925535%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
15595
  143.450000000001 (0.92838582537027%)

LIX 15 MIDCAP

Nifty Midcap Liquid 15
15442
  245.35 (1.61450056426911%)

NFT500EQUAL

Nifty 500 Equal Weight
13765.9
  190.35 (1.40215313560039%)

MIDCPNIFTY

Nifty Midcap Select
13325.05
  140.549999999999 (1.06602449846409%)

NIFTY200

Nifty 200
13292.85
  108.9 (0.826004346193665%)

NIFTYTOTALMCAP

NIFTY Total Market
12470.65
  110.25 (0.891961425196586%)

NFTINDAGE

Nifty India New Age Consumption Index
11181.35
  108.6 (0.980786164232006%)

NIFTYDIGITAL

Nifty India Digital
8613.05
  10.9499999999989 (0.127294497855157%)

NIFTYFPI150

Nifty India FPI 150
1493.6
  14.3999999999999 (0.973499188750671%)

NIFTYINDINT

Nifty India Internet Index
1326.2
  6.20000000000005 (0.469696969696964%)

SNXT50

Bse Sensex Next 50
81687.13
  1029.36 (1.27620686760865%)

MIDCAP

Bse MidCap
44246.27
  -699.210000000006 (-1.55568479856041%)

BSE500

Bse 500
34621.87
  373.280000000006 (1.08991348256966%)

BSE100

Bse 100
24729.6
  249.769999999997 (1.02030937306343%)

FOCMID

BSE Focused Midcap
23831.52
  292.830000000002 (1.24403694513162%)

BSEIND150

BSE India 150 Index
17875.41
  180.93 (1.0225222781342%)

MIDSEL

Bse MidCap Select Index
17375.81
  178 (1.03501550488114%)

MID150

Bse 150 MidCap Index
15691.16
  169.67 (1.09312959000714%)

200EQW

BSE 200 Equal Weight
12773.26
  150.17 (1.18964532455998%)

S&P MIDSMLCAP

Bse MidSmallCap
12414.1
  73.2299999999996 (0.593394144821224%)

MSL400

Bse 400 MidSmallCap Index
11771.25
  142.870000000001 (1.22863201924945%)

FINSER

BSE Financial Services
11683.33
  33.7600000000002 (0.289796104062212%)

BSE200

Bse 200
10771.3
  110.42 (1.03574939404627%)

BSE1000

Bse 1000
10364.86
  112.370000000001 (1.09602642870172%)

BSETOTALMKT

BSE Total Market Index
10364.86
  112.370000000001 (1.09602642870172%)

S&P LARGEMIDCAP

Bse LargeMidCap
10319.66
  72.75 (0.709970127579918%)

LMI250

Bse 250 LargeMidCap Index
10261.13
  105.789999999999 (1.04171795331323%)

ALLCAP

Bse Allcap
10130.99
  38.3799999999992 (0.380278243189802%)

BSESELECTIPO

BSE Select IPO Index
4516.24
  52.9799999999996 (1.18702473080214%)

INTECO

BSE Internet Economy
3146.13
  28.8200000000002 (0.924515046626739%)

DFRGRI

BSE Diversified Financials Revenue Growth Index
1544.13
  13.2 (0.862221002919794%)

ESG100

Bse 100 ESG Index
393.02
  3.81 (0.978905989054746%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Sales Growth

1 Year35.8%
3 Year15.81%
5 Year11.04%

Profit Growth

1 Year230.73%
3 Year36.78%
5 Year16.87%

ROE%

1 Year0.55%
3 Year0.42%
5 Year-1.28%

ROCE %

1 Year0.61%
3 Year0.46%
5 Year-1.14%

Debt/Equity

0

Price to Cash Flow

-321.18

Interest Cover Ratio

17.4912

CFO/PAT (5 Yr. Avg.)

0

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2026 0.00 0.00
Jun 2026 0.00 0.00
Mar 2026 0.00 0.00
Dec 2025 0.00 0.00
Sep 2025 0.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has shown a good profit growth of 36.7778943489847% for the Past 3 years.
  • The company has shown a good revenue growth of 15.8103926551734% for the Past 3 years.
  • Company is virtually debt free.
  • Company’s PEG ratio is 0.416546760881382.
  • The company has an efficient Cash Conversion Cycle of 3.0304 days.
  • Company has a healthy liquidity position with current ratio of 25.1401.

 Limitations

  • Company has a poor ROE of 0.422866666666667% over the past 3 years.
  • Company has a poor ROCE of 0.463666666666667% over the past 3 years
  • Company has negative cash flow from operations of -134.6.
  • Tax rate is low at 11.2063.
  • The company has a low EBITDA margin of -205.588762564051% over the past 5 years.
  • The company is trading at a high PE of 95.08.
  • The company is trading at a high EV/EBITDA of 96.1009.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
Net Sales 49.38 53.66 65.14 397.99 5.4
Total Expenditure 99.39 86.56 104.66 30.32 31.23
Operating Profit -50.01 -32.9 -39.52 367.67 -25.83
Other Income 52.48 54.05 50.35 55.18 51.9
Interest 0.83 0.82 0.82 0.8 0.8
Depreciation 0.91 0.89 0.92 0.88 0.88
Exceptional Items 0 0 9.53 0 0
Profit Before Tax 0.73 19.44 18.62 421.17 24.39
Tax 0.04 3.69 0.84 13.47 10.94
Profit After Tax 0.69 15.75 17.78 407.7 13.45
Adjusted EPS (Rs) 0.02 0.34 0.38 8.81 0.29

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Net Sales 103.18 134.15 110.29 153.44 208.37
Total Expenditure 512.6 400.35 314.14 408.78 378.16
Operating Profit -409.42 -266.2 -203.85 -255.34 -169.79
Other Income 114.25 196.79 252.11 258.57 213.34
Interest 1.18 1 0.69 0.31 2.83
Depreciation 3.9 3.74 3.05 3.28 3.58
Exceptional Items 0 0 -0.27 14.38 9.53
Profit Before Tax -300.25 -74.15 44.25 14.02 46.67
Tax -0.56 0 8.06 1.49 5.23
Net Profit -299.68 -74.15 36.19 12.53 41.44
Adjusted EPS (Rs.) -6.67 -1.65 0.8 0.27 0.9

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity and Liabilities
Share Capital 89.9 90.02 90.24 91.85 92.54
Total Reserves 6804.9 7272.68 7639.13 7865.85 8104.19
Borrowings 0 0 0 0 0
Other N/C liabilities 19.1 7.87 11.65 2.39 32.18
Current liabilities 18.12 16.46 72.68 100.49 73.4
Total Liabilities 6932.01 7387.03 7813.7 8060.58 8302.31
Assets
Net Block 11.5 8 5.72 2.73 28.57
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 2204.03 3796.69 4740.94 4888.27 5312.83
Loans & Advances 39.17 35.83 61.19 70.63 85.7
Other N/C Assets 0 1357.45 136.6 1054.14 1029.93
Current Assets 4677.32 2189.06 2869.25 2044.81 1845.28
Total Assets 6932.01 7387.03 7813.7 8060.58 8302.31
* Other Non-current Liabilities include Net deferred Liabilities

Cash Flows (All Figures are in Crores.)

PARTICULARS Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Profit from operations -300.25 -74.15 44.25 14.02 46.67
Adjustment 336.35 149.79 -52.39 -146.24 -125.49
Changes in Assets & Liabilities -85.73 -76.3 76.03 48.04 -44.11
Tax Paid -7.1 -4.29 -25.25 -18.8 -11.67
Operating Cash Flow -56.73 -4.95 42.64 -102.98 -134.6
Investing Cash Flow -3748.45 -179.71 95.32 315.79 -14.56
Financing Cash Flow 3641.82 -3.48 -3.49 -2.5 0.09
Net Cash Flow -163.36 -188.14 134.47 210.31 -149.07

Corporate Actions

Investors Details

 No Promoters Data available for this company.Report us
PARTICULARS Sep 2025% Dec 2025% Mar 2026% Jun 2026% Sep 2026%
investors 100.00 100.00 100.00 100.00 100.00
aditya birla sun life mut... - - - - 1.04
axis max life insurance l... - - 1.05 1.14 1.61
axis mutual fund trustee ... 2.94 2.99 - 3.04 3.63
canara robeco mutual fund... - - 1.39 1.32 1.04
diphda internet services ... 4.11 4.08 4.08 4.08 4.08
franklin india mid cap fu... - - - - 1.72
hdfc life insurance compa... 1.58 1.62 1.59 1.59 1.66
hdfc trustee company limi... - - - - 6.68
icici prudential large & ... - - - - 4.31
info edge (india) limited... - - 6.47 6.47 6.47
kotak arbitrage fund - - - - 1.20
llp 0.19 0.15 0.15 0.14 0.10
macritchie investments pt... - - 6.47 6.47 4.01
mirae asset large & midca... 1.66 1.63 3.27 3.45 2.89
motilal oswal midcap fund... - - 1.07 1.47 1.61
nippon life india trustee... - - - - 2.21
nps trust- a/c sbi pensio... - 3.95 4.17 4.17 4.28
startup investments (hold... 1.89 1.87 1.87 1.87 1.87
tata digital india fund 1.22 1.10 1.20 1.82 2.09
vanguard emerging markets... - - 1.01 1.02 1.05
vanguard total internatio... 1.07 1.07 1.08 1.08 1.09
yashish dahiya 3.57 3.86 3.86 3.30 3.30
franklin india focused eq... 1.86 1.88 2.09 1.79 -
hdfc mutual fund - hdfc m... 2.09 2.07 3.63 4.87 -
hsbc mutual fund - hsbc m... - 1.04 - 1.29 -
icici prudential multicap... - - 1.38 1.74 -
nippon life india trustee... - - 1.59 1.73 -
sbi life insurance co. lt... - - - 1.73 -
tata aia life insurance c... - - 1.29 1.84 -
alok bansal 1.04 1.16 1.16 - -
axis focused fund account... - - 2.32 - -
tencent cloud europe b.v.... 2.11 2.09 1.05 - -
makesense technologies li... 13.04 12.94 - - -
motilal oswal large and m... - 1.06 - - -
new world fund inc 3.07 2.50 - - -
smallcap world fund, inc 1.30 1.13 - - -

Annual Reports

Title Link
Title Link
Annual Report 2026
Annual Report 2025
Annual Report 2024
Annual Report 2023
Annual Report 2022

Ratings & Research Reports

TYPE AGENCY Link
TYPE AGENCY Link
 No Credit reports exist for this company.Report us
TYPE AGENCY Link
TYPE AGENCY Link
Research HDFC Securities
Research Geojit
Research BP Wealth

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY26
Concall Q4FY24
Concall Q4FY22
Concall Q4FY22
Concall Q3FY25
Concall Q3FY24
Concall Q3FY23
Concall Q3FY22
Concall Q1FY27
Concall Q1FY23
Concall Q1FY23
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY26
Presentation Q3FY25
Presentation Q1FY25

Additional Resources & References

Company News

PB Fintech reports 43% rise in Q2 consolidated net profit 31 Oct, 3:13 PM PB Fintech - Quaterly Results 31 Oct, 12:00 AM PB Fintech informs about disclosure 21 Oct, 11:19 AM PB Fintech rises as HDFC Mutual Fund buys stake worth Rs 320.58 crore in the company 28 Sep, 11:39 AM HDFC Mutual Fund buys stake worth Rs 320.58 crore in PB Fintech 25 Sep, 12:12 PM Insurance stocks feel the heat after Irdai proposes new insurance distribution rules 24 Sep, 11:41 AM PB Fintech informs about analyst meet 24 Sep, 11:14 AM PB Fintech gets nod to acquire remaining 20% stake in MyLoancare Ventures 17 Sep, 12:17 PM PB Fintech - Quaterly Results 6 Aug, 12:00 AM PB Fintech informs about disclosure 17 Jul, 10:47 AM PB Fintech informs about SAST 9 Jul, 1:05 PM PB Fintech informs about disclosures 7 Jul, 5:04 PM Temasek pares 2.2% stake in PB Fintech 6 Jul, 2:30 PM PB Fintech informs about change in composition of board 19 Jun, 9:48 AM PB Fintech - Quaterly Results 7 May, 12:00 AM PB Fintech informs about disclosure 27 Mar, 10:17 AM PB Fintech incorporates step down wholly-owned subsidiary 28 Feb, 11:42 AM PB Fintech - Quaterly Results 3 Feb, 12:00 AM PB Fintech zooms on reporting over two-fold jump in Q2 consolidated net profit 30 Oct, 12:50 PM PB Fintech reports over two-fold jump in Q2 consolidated net profit 30 Oct, 12:30 PM PB Fintech - Quaterly Results 30 Oct, 12:00 AM PB Fintech informs about allotment of ESOP 17 Oct, 5:39 PM IRDAI slaps Rs 5 crore penalty on PB Fintech’s Policybazaar 5 Aug, 12:50 PM PB Fintech - Quaterly Results 31 Jul, 8:16 PM PB Fintech - Quaterly Results 31 Jul, 8:16 PM PB Fintech incorporates new step-down subsidiary in Dubai 10 Jul, 9:41 AM PB Fintech - Quaterly Results 15 May, 9:21 PM PB Fintech - Quaterly Results 15 May, 9:21 PM PB Fintech invests Rs 539.40 crore in wholly owned subsidiary 25 Apr, 3:41 PM PB Fintech’s arm gets nod from RBI to operate as Online Payment Aggregator 16 Apr, 2:58 PM PB Fintech gets nod to invest upto Rs 696 crore in PB Healthcare Services 12 Mar, 12:13 PM PB Fintech informs about earnings call transcript 1 Feb, 4:11 PM PB Fintech - Quaterly Results 30 Jan, 5:38 PM PB Fintech - Quaterly Results 30 Jan, 5:38 PM PB Fintech - Quaterly Results 30 Jan, 5:38 PM PB Fintech informs about disclosure 14 Jan, 9:48 AM Pb Fintech informs about disclosure 3 Jan, 5:31 PM PB Fintech - Quaterly Results 5 Nov, 8:25 PM PB Fintech - Quaterly Results 5 Nov, 8:25 PM PB Fintech - Quaterly Results 6 Aug, 6:37 PM PB Fintech - Quaterly Results 6 Aug, 6:37 PM PB Fintech - Quaterly Results 6 Aug, 6:37 PM PB Fintech divests 29.30% share capital in VHPL 17 May, 11:53 AM PB Fintech - Quaterly Results 7 May, 6:08 PM PB Fintech - Quaterly Results 7 May, 6:08 PM PB Fintech - Quaterly Results 7 May, 6:08 PM PB Fintech incorporates wholly-owned subsidiary 10 Apr, 10:19 AM PB Fintech gets nod to incorporate wholly owned subsidiary 21 Mar, 2:09 PM PB Fintech’s arm gets in-principle approval for upgradation of license 17 Feb, 4:01 PM PB Fintech informs about disclosure 3 Feb, 11:51 AM
Last Updated on:
Brief about PB Fintech
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