PB Fintech
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PB Fintech share price

PB Fintech Ltd.

NSE: POLICYBZR BSE: 543390 SECTOR: Fintech  232k   258   128

1227.80
+36.15 (3.03%)
NSE: 24 Apr 04:11 PM

Price Summary

Today's High

₹ 1239.15

Today's Low

₹ 1192.65

52 Week High

₹ 1400.35

52 Week Low

₹ 573

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.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 55398.76 Cr.

Enterprise Value

₹ 54909.68 Cr.

No. of Shares

45.12 Cr.

P/E

689.93

P/B

7.27

Face Value

₹ 2

Div. Yield

0 %

Book Value (TTM)

₹  168.79

CASH

₹ 489.08 Cr.

DEBT

₹ 0 Cr.

Promoter Holding

0 %

EPS (TTM)

₹  1.78

Sales Growth

30.01%

ROE

-1.14 %

ROCE

-1.03%

Profit Growth

75.26 %

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

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Brands

These are the brands of PB Fintech Ltd.

Policybazaar Paisabazaar

Index Presence

The company is present in 23 Indices.

NIFTYMIDCAP

NIFTY Midcap 100
49991.9
  377.050000000003 (0.759953925084944%)

NIFTYALPHA

Nifty Alpha 50
49506.2
  223.649999999994 (0.453811744725052%)

NIFTY500

Nifty 500
20730.65
  78 (0.377675504112074%)

NIFTYMIDCAP150

Nifty Midcap 150
18568.3
  150.349999999999 (0.816323206437186%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
17552.75
  140.900000000001 (0.809219008893369%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
14389.85
  74.75 (0.522175884206177%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
14311.3
  74.7999999999993 (0.525410037579466%)

NIFTY200

Nifty 200
12516.55
  38.1999999999989 (0.30613021753676%)

NIFTYTOTALMCAP

Nifty Total Market index
11657.1
  45.0500000000011 (0.387959059769827%)

NIFTYDIGITAL

Nifty Digital Index
7665.5
  -18.6499999999996 (-0.242707391188346%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank Index
23587.77
  39.0900000000001 (0.165996565412585%)

MIDCAP

S&P Bse Mid Cap
40956.7
  372.529999999999 (0.917919474514317%)

BSE500

S&P Bse 500
32716.27
  126.77 (0.388990318967775%)

MID150

S&P Bse 150 MidCap
13897.52
  111.09 (0.805792362489788%)

MSL400

S&P Bse 400 MidSmallCap
10656.29
  85.5900000000001 (0.809690938159258%)

FIN

S&P Bse Finance
10616.87
  39.6400000000012 (0.374767306752344%)

BSE200

S&P Bse 200
10234.32
  34.9599999999991 (0.34276660496344%)

LMI250

S&P Bse 250 LargeMidCap
9702.87
  33.5100000000002 (0.346558614013759%)

ALLCAP

S&P Bse Allcap
9551.29
  38.0300000000007 (0.399757811728052%)

SPBSMOIP

S&P Bse Momentum
1984.28
  14.9400000000001 (0.758629794753585%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1337.98
  5.99000000000001 (0.449703075848928%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
9648.62
  30.9000000000015 (0.321281967035869%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
11725
  98.7999999999993 (0.849804751337491%)

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 Year30.01%
3 Year29.96%
5 Year11.13%

Profit Growth

1 Year75.26%
3 Year-296.7%
5 Year-16.2%

ROE%

1 Year-1.14%
3 Year-2.28%
5 Year-1.59%

ROCE %

1 Year-1.03%
3 Year-1.97%
5 Year-1.05%

Debt/Equity

0

Price to Cash Flow

-11191.22

Interest Cover Ratio

-73.0537247853006

CFO/PAT (5 Yr. Avg.)

0

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 0 0
Dec 2023 0 0
Sep 2023 0 0
Jun 2023 0 0
Mar 2023 0 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has shown a good revenue growth of 29.9645661783999% for the Past 3 years.
  • Company is virtually debt free.
  • The company has an efficient Cash Conversion Cycle of 8.77877652524343 days.
  • Company has a healthy liquidity position with current ratio of 133.001269821982.
  • The company has a strong degree of Operating leverage, Average Operating leverage stands at 23.5139311969113.

 Limitations

  • The company has shown a poor profit growth of -296.704186040235% for the Past 3 years.
  • Company has a poor ROE of -2.28048791648053% over the past 3 years.
  • Company has a poor ROCE of -1.9723134817463% over the past 3 years
  • Company has negative cash flow from operations of -4.9502.
  • Tax rate is low at 0.00175302801878167.
  • The company has a low EBITDA margin of -147.335748434572% over the past 5 years.
  • The company is trading at a high EV/EBITDA of 649.4819.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Net Sales 31.99 43.39 35.22 13.62 27.14
Total Expenditure 78.21 71.62 73.91 74.72 62.44
Operating Profit -46.22 -28.22 -38.69 -61.09 -35.3
Other Income 45.04 58.79 61.69 63.9 63.15
Interest 0.21 0.21 0.18 0.17 0.14
Depreciation 0.94 0.93 0.81 0.75 0.75
Exceptional Items 0 0 0 0 0
Profit Before Tax -2.34 29.43 22.02 1.89 26.96
Tax 0 0 0 0 0
Profit After Tax -2.34 29.43 22.02 1.89 26.96
Adjusted EPS (Rs) -0.05 0.65 0.49 0.04 0.6

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Net Sales 49.95 61.11 123.42 103.18 134.15
Total Expenditure 89.42 89.27 143.61 512.6 400.35
Operating Profit -39.47 -28.16 -20.18 -409.42 -266.21
Other Income 34.13 86.88 56.02 114.25 196.79
Interest 0.01 1.44 2.33 1.18 1
Depreciation 1.03 9.2 3.8 3.9 3.74
Exceptional Items 0 -29.16 -2.37 0 0
Profit Before Tax -6.38 18.93 27.33 -300.25 -74.16
Tax 9.43 9.18 8.33 -0.56 0
Net Profit -15.81 9.74 19.01 -299.68 -74.16
Adjusted EPS (Rs.) -1.66 1.03 1.67 -6.67 -1.65

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 0.88 1.11 1.23 89.9 90.02
Total Reserves 955.75 2041.79 2939.76 6804.9 7272.68
Borrowings 0 0 0 0 0
Other N/C liabilities 2.85 1.71 22.68 19.1 7.87
Current liabilities 8.59 19.59 43.19 18.12 16.46
Total Liabilities 968.06 2064.21 3006.86 6932.01 7387.04
Assets
Net Block 1.82 3.48 15.73 11.5 8
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 556.04 914.22 1146.48 2204.03 3796.69
Loans & Advances 24.44 17.51 32.08 39.17 35.83
Other N/C Assets 0.34 0.02 0.98 0 1357.45
Current Assets 385.42 1128.98 1811.58 4677.32 2189.07
Total Assets 968.06 2064.21 3006.86 6932.01 7387.04
* Other Non-current Liabilities include Net deferred Liabilities

Cash Flows (All Figures are in Crores.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Profit from operations -6.38 18.93 29.7 -300.25 -74.16
Adjustment 10.74 -25.84 32.95 336.35 149.79
Changes in Assets & Liabilities -205.68 -97.63 13.78 -85.73 -76.29
Tax Paid 2.48 -6.17 -5.66 -7.1 -4.29
Operating Cash Flow -198.85 -110.71 70.77 -56.73 -4.95
Investing Cash Flow 230.55 -170.48 -1282.85 -3748.45 -179.71
Financing Cash Flow 0 1049.73 776.05 3641.82 -3.48
Net Cash Flow 31.71 768.54 -436.03 -163.36 -188.14

Corporate Actions

Investors Details

 No Promoters Data available for this company.
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PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 100.00 100.00 100.00 100.00 100.00
alok bansal - - 1.67 1.67 1.67
axis mutual fund trustee ... - - - - 1.70
diphda internet services ... 4.19 4.19 4.19 4.19 4.18
franklin india focused eq... - - - 1.58 1.48
government pension fund g... 1.31 1.60 1.34 1.13 1.05
hdfc mutual fund - hdfc m... - - - 1.16 1.90
kotak funds - india midca... - - 1.42 1.85 1.68
llp 0.28 0.27 - 0.23 0.22
makesense technologies li... - - 13.31 - 13.27
max life insurance co lt... 1.05 1.71 1.72 1.86 1.73
mirae asset large & midca... - - - 3.03 1.32
new world fund inc - - - 1.67 5.89
smallcap world fund inc - - - - 2.02
startup investments (hold... 1.92 1.92 1.92 1.92 1.92
steadview capital mauriti... 1.77 1.92 1.38 1.32 1.32
tencent cloud europe b.v.... 8.37 6.28 6.28 6.26 6.26
wf asian smaller companie... 3.27 3.27 2.06 1.99 1.06
yashish dahiya - - 4.64 4.63 4.63
claymore investments (mau... 5.43 5.43 5.43 5.42 -
makesense technologies lt... - - - 13.28 -
pi opportunities fund-ii 2.07 2.07 2.07 1.93 -
tata digital india fund - - - 1.16 -
franklin india prima fund... 1.31 1.10 1.45 - -
mirae asset emerging blue... 2.46 1.95 1.64 - -
svf python ii (cayman) li... 4.39 4.39 4.39 - -
makesense technologies lt... 13.31 13.31 - - -
mr. alok bansal 1.67 1.67 - - -
mr. yashish dahiya 4.64 4.64 - - -
vanguard emerging markets... - 1.08 - - -
vanguard total internatio... - 1.06 - - -
falcon q lp 2.57 - - - -

Annual Reports

No Annual reports exist for this company.Report us

Ratings & Research Reports

Company Presentations

Company News

PB Fintech incorporates wholly-owned subsidiary10 Apr 2024, 10:19AM PB Fintech gets nod to incorporate wholly owned subsidiary21 Mar 2024, 2:09PM PB Fintech’s arm gets in-principle approval for upgradation of license17 Feb 2024, 4:01PM PB Fintech informs about disclosure 3 Feb 2024, 11:51AM Temasek Holdings sells entire 5.42% stake in PB Fintech2 Feb 2024, 10:59AM PB Fintech informs about conference call31 Jan 2024, 4:40PM PB Fintech - Quaterly Results30 Jan 2024, 4:58PM PB Fintech - Quaterly Results30 Jan 2024, 4:58PM PB Fintech - Quaterly Results30 Jan 2024, 4:58PM PB Fintech informs about trading window closure 29 Dec 2023, 4:53PM PB Fintech informs about disclosures22 Dec 2023, 4:45PM Softbank’s arm divests 2.5% stake in PB Fintech18 Dec 2023, 11:53AM PB Fintech makes further investment of Rs 350 crore in Policybazaar Insurance Brokers25 Nov 2023, 12:25PM PB Fintech - Quaterly Results4 Nov 2023, 7:10PM PB Fintech - Quaterly Results4 Nov 2023, 7:10PM PB Fintech informs about investor conference28 Oct 2023, 12:24PM PB Fintech informs about disclosure 11 Oct 2023, 10:00AM Softbank offloads 2.5% stake in PB Fintech9 Oct 2023, 10:22AM PB Fintech - Quaterly Results7 Aug 2023, 7:17PM PB Fintech - Quaterly Results7 Aug 2023, 7:17PM PB Fintech eyeing to wipe out accumulated losses in next four years13 Jun 2023, 11:30AM PB Fintech informs about disclosure 1 Jun 2023, 9:56AM PB Fintech - Quaterly Results22 May 2023, 5:59PM PB Fintech - Quaterly Results22 May 2023, 5:59PM PB Fintech informs about certificate 14 Apr 2023, 4:49PM PB Fintech informs about transcript of earnings call17 Feb 2023, 5:13PM PB Fintech gets nod to invest upto $5 million in PB Fintech FZ-LLC13 Feb 2023, 10:10AM PB Fintech - Quaterly Results10 Feb 2023, 5:00PM PB Fintech - Quaterly Results10 Feb 2023, 5:00PM PB Fintech - Quaterly Results10 Feb 2023, 5:00PM PB Fintech’s arm gets RBI’s in- principle nod to set up business of account aggregator12 Jan 2023, 11:51AM PB Fintech informs about disclosure 7 Dec 2022, 12:10PM PB Fintech acquires 26.72% stake in YKNP Marketing Management19 Nov 2022, 1:00PM PB Fintech informs about disclosure19 Nov 2022, 11:37AM Tiger Global Management offloads stake in PB Fintech through open market transactions15 Nov 2022, 11:50AM PB Fintech - Quaterly Results7 Nov 2022, 5:03PM PB Fintech - Quaterly Results7 Nov 2022, 5:03PM PB Fintech - Quaterly Results7 Nov 2022, 5:03PM PB Fintech’s platform ties up with insurance companies to launch ‘Zero Cost Term plan’4 Oct 2022, 5:19PM PB Fintech makes investment in Policybazaar Insurance Brokers, Paisabazaar Marketing and Consulting22 Sep 2022, 10:38AM PB Fintech’s arm to incorporate wholly owned subsidiary 25 Aug 2022, 11:27AM PB Fintech - Quaterly Results10 Aug 2022, 4:47PM PB Fintech - Quaterly Results10 Aug 2022, 4:47PM PB Fintech - Quaterly Results10 Aug 2022, 4:47PM PB Fintech informs about certificate7 Jul 2022, 2:53PM PB Fintech informs about investor conference 10 Jun 2022, 2:34PM PB Fintech makes additional investment in MyLoanCare Ventures9 Jun 2022, 9:42AM PB Fintech's co-founder sells shares worth Rs 230 crore8 Jun 2022, 10:59AM PB Fintech informs about earnings conference call2 Jun 2022, 10:56AM PB Fintech - Quaterly Results27 May 2022, 9:34PM
Last Updated on:
Brief about PB Fintech
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