PB Fintech
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PB Fintech share price

PB Fintech Ltd.

NSE: POLICYBZR BSE: 543390 SECTOR: Fintech  3.09 L   328   147

1778.00
-33.50 (-1.85%)
BSE: Today, 04:01 PM

Price Summary

Today's High

₹ 1822.05

Today's Low

₹ 1776.9

52 Week High

₹ 2254.95

52 Week Low

₹ 1312.1

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

₹ 82142.18 Cr.

Enterprise Value

₹ 81564.85 Cr.

No. of Shares

46.2 Cr.

P/E

13490.14

P/B

10.17

Face Value

₹ 2

Div. Yield

0 %

Book Value (TTM)

₹  174.81

CASH

₹ 577.33 Cr.

DEBT

₹ 0 Cr.

Promoter Holding

0 %

EPS (TTM)

₹  0.13

Sales Growth

39.12%

ROE

0.19 %

ROCE

0.19%

Profit Growth

-62.78 %

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.

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Brands

These are the brands of PB Fintech Ltd.

Policybazaar Paisabazaar

Index Presence

The company is present in 42Indices.

NFT150MOM50

Nifty Midcap150 Momentum 50
62688.15
  -284.5 (-0.451783432966535%)

NIFTYMIDCAP

NIFTY Midcap 100
60081.6
  -194.700000000004 (-0.323012527311739%)

NIFTYALPHA

Nifty Alpha 50
51126.55
  -351.199999999997 (-0.682236500235534%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank Index
31441.1
  -210.900000000001 (-0.666308606091248%)

NIFTY500

Nifty 500
23674.55
  -115.700000000001 (-0.486333687119722%)

NIFTYMIDCAP150

Nifty Midcap 150
22079.4
  -71.75 (-0.323910948190054%)

NFTMIDSMLFINSER

Nifty MidSmall Financial Services
20297
  -78.7000000000007 (-0.386244398965441%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
20071.2
  -87.5999999999985 (-0.434549675575924%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
17954.85
  -88.3000000000029 (-0.489382397197846%)

MIDCAP50

Nifty Midcap 50
17092.55
  -111.799999999999 (-0.649835652029862%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
16707.25
  -69.75 (-0.41574774989569%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
16358.85
  -81.1999999999989 (-0.493915772762243%)

LIX 15 MIDCAP

Nifty Midcap Liquid 15
16284.35
  -130.4 (-0.7944074688923%)

NIFTY200

Nifty 200
14412.85
  -68.6499999999996 (-0.474053102233885%)

NFT500EQUAL

Nifty 500 Equal Weight
14166.55
  -82.5500000000011 (-0.579334835182577%)

NIFTYMIDSELECT

Nifty Midcap Select
13738.5
  -112.85 (-0.814722030704595%)

NIFTYTOTALMCAP

Nifty Total Market index
13295.1
  -65.6499999999996 (-0.491364631476521%)

NFTINDAGE

Nifty India New Age Consumption Index
12023.85
  -85.8500000000004 (-0.708935811787248%)

NIFTYDIGITAL

Nifty Digital Index
9393.65
  21.5 (0.229403071867185%)

NIFTYFPI150

Nifty India FPI 150
1602.6
  -9.10000000000014 (-0.564621207420746%)

NIFTYINDINT

Nifty India Internet Index
1441.4
  -0.449999999999818 (-0.0312099039428415%)

SNXT50

S&P Bse Sensex Next 50
85637.3
  -536.800000000003 (-0.622924985581519%)

MIDCAP

S&P Bse Mid Cap
46528.74
  -126.970000000001 (-0.272142466591985%)

BSE500

S&P Bse 500
37140.83
  -172.159999999996 (-0.461394275827254%)

BSE100

S&P Bse 100
27115.58
  -126.339999999997 (-0.463770541870756%)

FOCMID

BSE Focused Midcap
24782.82
  -155.02 (-0.621625609916499%)

BSEIND150

BSE India 150 Index
19305.99
  -90.1299999999974 (-0.464680564978959%)

MIDSEL

S&P Bse MidCap Select Index
17387.25
  -68.5999999999985 (-0.392991461315251%)

MID150

S&P Bse 150 MidCap
16319.58
  -57.6900000000005 (-0.352256511616411%)

200EQW

BSE 200 Equal Weight
13244.07
  -65.5400000000009 (-0.492426149226022%)

FIN

S&P Bse Finance
13056.88
  -28.0799999999999 (-0.21459752265196%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
12414.1
  73.2299999999996 (0.593394144821224%)

MSL400

S&P Bse 400 MidSmallCap
12091.81
  -49.6900000000005 (-0.409257505250593%)

BSE200

S&P Bse 200
11705.05
  -54.9200000000001 (-0.467007994068014%)

LMI250

S&P Bse 250 LargeMidCap
11093.08
  -50.8199999999997 (-0.456034242949055%)

BSE1000

Bse 1000
11026.04
  -53.869999999999 (-0.48619528497974%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
10319.66
  72.75 (0.709970127579918%)

ALLCAP

S&P Bse Allcap
10130.99
  38.3799999999992 (0.380278243189802%)

BSESELECTIPO

BSE Select IPO Index
4812.27
  -18.2799999999997 (-0.378424817049816%)

INTECO

BSE Internet Economy
3189.37
  -6.30999999999995 (-0.197454062985025%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1664.04
  -7.24000000000001 (-0.433200899909048%)

ESG100

S&P Bse 100 ESG Index
433.26
  -2.00999999999999 (-0.461782341994621%)

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 Year39.12%
3 Year14.14%
5 Year20.22%

Profit Growth

1 Year-62.78%
3 Year26.93%
5 Year6.69%

ROE%

1 Year0.19%
3 Year-0.14%
5 Year-1.22%

ROCE %

1 Year0.19%
3 Year-0.08%
5 Year-1.03%

Debt/Equity

0

Price to Cash Flow

-798.43

Interest Cover Ratio

49.2581

CFO/PAT (5 Yr. Avg.)

0

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2025 0.00 0.00
Jun 2025 0.00 0.00
Mar 2025 0.00 0.00
Dec 2024 0.00 0.00
Sep 2024 0.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company is virtually debt free.
  • The company has an efficient Cash Conversion Cycle of 2.9378 days.
  • Company has a healthy liquidity position with current ratio of 20.5335.

 Limitations

  • The company has shown a poor revenue growth of 14.1411026010115% for the Past 3 years.
  • Company has a poor ROE of -0.135566666666667% over the past 3 years.
  • Company has a poor ROCE of -0.0786333333333333% over the past 3 years
  • Company has negative cash flow from operations of -102.88.
  • The company has a low EBITDA margin of -192.429384016415% over the past 5 years.
  • The company is trading at a high PE of 13490.14.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Net Sales 37.63 38.89 46.85 40.19 49.38
Total Expenditure 98.14 85.3 141.45 87.61 99.39
Operating Profit -60.51 -46.41 -94.6 -47.42 -50.01
Other Income 67.73 65.36 63.22 56.45 52.48
Interest 0.09 0.05 0.04 0.29 0.83
Depreciation 0.81 0.82 0.84 0.86 0.91
Exceptional Items 0 0 11.16 0 0
Profit Before Tax 6.32 18.08 -21.1 7.88 0.73
Tax 0.93 4.11 -5.31 0.66 0.04
Profit After Tax 5.39 13.97 -15.79 7.22 0.69
Adjusted EPS (Rs) 0.12 0.3 -0.34 0.16 0.02

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

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Net Sales 123.42 103.18 134.15 110.29 153.44
Total Expenditure 143.61 512.6 400.35 314.14 407.76
Operating Profit -20.18 -409.42 -266.2 -203.85 -254.32
Other Income 56.02 114.25 196.79 252.11 258.49
Interest 2.33 1.18 1 0.69 0.31
Depreciation 3.8 3.9 3.74 3.05 3.28
Exceptional Items -2.37 0 0 -0.27 14.38
Profit Before Tax 27.33 -300.25 -74.15 44.25 14.96
Tax 8.33 -0.56 0 8.06 1.49
Net Profit 19.01 -299.68 -74.15 36.19 13.47
Adjusted EPS (Rs.) 1.67 -6.67 -1.65 0.8 0.29

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 1.23 89.9 90.02 90.24 91.85
Total Reserves 2939.76 6804.9 7272.68 7639.13 7865.68
Borrowings 0 0 0 0 0
Other N/C liabilities 22.68 19.1 7.87 11.65 2.39
Current liabilities 43.19 18.12 16.46 72.68 99.53
Total Liabilities 3006.86 6932.01 7387.03 7813.7 8059.45
Assets
Net Block 15.73 11.5 8 5.72 2.73
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 1146.48 2204.03 3796.69 4740.94 4888.27
Loans & Advances 32.08 39.17 35.83 61.19 70.61
Other N/C Assets 0.98 0 1357.45 136.6 1054.14
Current Assets 1811.58 4677.32 2189.06 2869.25 2043.7
Total Assets 3006.86 6932.01 7387.03 7813.7 8059.45
* Other Non-current Liabilities include Net deferred Liabilities

Cash Flows (All Figures are in Crores.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Profit from operations 29.7 -300.25 -74.15 44.25 14.96
Adjustment 32.95 336.35 149.79 -52.39 -146.16
Changes in Assets & Liabilities 13.78 -85.73 -76.3 76.03 47.1
Tax Paid -5.66 -7.1 -4.29 -25.25 -18.78
Operating Cash Flow 70.77 -56.73 -4.95 42.64 -102.88
Investing Cash Flow -1282.85 -3748.45 -179.71 95.32 315.69
Financing Cash Flow 776.05 3641.82 -3.48 -3.49 -2.5
Net Cash Flow -436.03 -163.36 -188.14 134.47 210.31

Corporate Actions

Investors Details

 No Promoters Data available for this company.Report us
PARTICULARS Sep 2024% Dec 2024% Mar 2025% Jun 2025% Sep 2025%
investors 100.00 100.00 100.00 100.00 100.00
alok bansal 1.27 1.40 1.40 1.04 1.04
axis mutual fund trustee ... - 2.67 2.80 2.79 2.94
diphda internet services ... 4.14 4.11 4.11 4.11 4.11
franklin india focused eq... 1.81 1.78 1.79 1.78 1.86
hdfc life insurance compa... 1.01 1.02 1.15 1.42 1.58
hdfc mutual fund - hdfc m... - - - 1.93 2.09
llp 0.22 0.20 0.20 0.19 0.19
makesense technologies li... - - 13.04 13.04 13.04
mirae asset large & midca... - - - - 1.66
new world fund inc 6.33 5.69 4.12 3.11 3.07
smallcap world fund, inc 1.38 1.30 1.30 1.30 1.30
startup investments (hold... 1.90 1.89 1.89 1.89 1.89
tata digital india fund - - - - 1.22
tencent cloud europe b.v.... 2.14 2.12 2.12 2.12 2.11
vanguard total internatio... - - - - 1.07
yashish dahiya 4.03 4.31 4.31 3.57 3.57
nps trust- a/c sbi pensio... - 1.51 2.49 2.95 -
axis max life insurance l... - - 1.15 - -
hdfc mutual fund - hdfc m... 1.94 2.00 2.03 - -
hsbc midcap fund - 1.21 - - -
makesense technologies lt... 13.13 13.04 - - -
max life insurance compan... 1.62 1.63 - - -
axis mutual fund trustee ... 2.56 - - - -
kotak funds - india midca... 1.45 - - - -

Annual Reports

Title Link
Title Link
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 Geojit
Research BP Wealth

Concalls & Presentations

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

Additional Resources & References

Company News

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 Temasek Holdings sells entire 5.42% stake in PB Fintech 2 Feb, 10:59 AM PB Fintech informs about conference call 31 Jan, 4:40 PM PB Fintech - Quaterly Results 30 Jan, 4:58 PM PB Fintech - Quaterly Results 30 Jan, 4:58 PM PB Fintech - Quaterly Results 30 Jan, 4:58 PM PB Fintech informs about trading window closure 29 Dec, 4:53 PM PB Fintech informs about disclosures 22 Dec, 4:45 PM Softbank’s arm divests 2.5% stake in PB Fintech 18 Dec, 11:53 AM PB Fintech makes further investment of Rs 350 crore in Policybazaar Insurance Brokers 25 Nov, 12:25 PM PB Fintech - Quaterly Results 4 Nov, 7:10 PM PB Fintech - Quaterly Results 4 Nov, 7:10 PM PB Fintech informs about investor conference 28 Oct, 12:24 PM PB Fintech informs about disclosure 11 Oct, 10:00 AM Softbank offloads 2.5% stake in PB Fintech 9 Oct, 10:22 AM PB Fintech - Quaterly Results 7 Aug, 7:17 PM PB Fintech - Quaterly Results 7 Aug, 7:17 PM PB Fintech eyeing to wipe out accumulated losses in next four years 13 Jun, 11:30 AM PB Fintech informs about disclosure 1 Jun, 9:56 AM
Last Updated on:
Brief about PB Fintech
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