PB Fintech
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PB Fintech share price

PB Fintech Ltd.

NSE: POLICYBZR BSE: 543390 SECTOR: Fintech  256k   271   131

1710.00
+4.90 (0.29%)
BSE: 01 Nov 07:01 PM

Price Summary

Today's High

₹ 1717.3

Today's Low

₹ 1700.4

52 Week High

₹ 1966

52 Week Low

₹ 700.05

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

₹ 77994.8 Cr.

Enterprise Value

₹ 77490.58 Cr.

No. of Shares

45.61 Cr.

P/E

3239.86

P/B

11.58

Face Value

₹ 2

Div. Yield

0 %

Book Value (TTM)

₹  147.64

CASH

₹ 504.22 Cr.

DEBT

₹ 0 Cr.

Promoter Holding

0 %

EPS (TTM)

₹  0.53

Sales Growth

-17.79%

ROE

0.55 %

ROCE

0.6%

Profit Growth

148.81 %

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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 27 Indices.

MIDCAP50

Nifty Midcap 50
15649.3
  109.699999999999 (0.705938376792181%)

NFT150MOM50

Nifty Midcap150 Momentum 50
63417.95
  374.849999999999 (0.594593222731743%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank
26113.03
  151.799999999999 (0.584718058427902%)

NFT500EQUAL

Nifty 500 Equal Weight
14480.41
  123.52 (0.860353460951502%)

NFTMIDSMLFINSER

Nifty MidSmall Financial Services
15726.79
  111.960000000001 (0.717010687916564%)

NIFTY200

Nifty 200
13688.2
  70 (0.514018005316408%)

NIFTY500

Nifty 500
22816.2
  126.850000000002 (0.559072868989197%)

NIFTYALPHA

Nifty Alpha 50
56517.3
  367.100000000006 (0.653782177089313%)

NIFTYDIGITAL

Nifty India Digital
9019.35
  52.1499999999996 (0.581563921848516%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
15880.95
  90.4000000000015 (0.572494308304661%)

NIFTYMIDCAP

NIFTY Midcap 100
56488.8
  375.950000000004 (0.669989137960392%)

NIFTYMIDCAP150

Nifty Midcap 150
21014.6
  137.899999999998 (0.660545009508207%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
19967.1
  149 (0.751837966303537%)

NIFTYTOTALMCAP

NIFTY Total Market
12874.3
  74.1999999999989 (0.579682971226769%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
16024.1
  101.15 (0.635246609453644%)

BSE200

Bse 200
11178.97
  58.1399999999994 (0.522802704474401%)

BSE500

Bse 500
35951.72
  213.610000000001 (0.597709280093439%)

MIDCAP

Bse MidCap
46284.43
  317.720000000001 (0.691195867618122%)

FINSER

BSE Financial Services
11574.84
  57.8899999999994 (0.502650441306063%)

S&P LARGEMIDCAP

Bse LargeMidCap
10494.39
  56.3899999999994 (0.540237593408688%)

S&P MIDSMLCAP

Bse MidSmallCap
13595.91
  126.33 (0.937891159189808%)

ALLCAP

Bse Allcap
10542.39
  67.1999999999989 (0.64151581021441%)

MIDSEL

Bse MidCap Select Index
16971.46
  93.3999999999978 (0.553381135035647%)

MID150

Bse 150 MidCap Index
15938.98
  109.33 (0.69066593386462%)

LMI250

Bse 250 LargeMidCap Index
10609.43
  57.4799999999996 (0.544733437895362%)

MSL400

Bse 400 MidSmallCap Index
12247.35
  100.210000000001 (0.824967852515091%)

DFRGRI

BSE Diversified Financials Revenue Growth Index
1466.83
  8.81999999999994 (0.604934122536882%)

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 Year-17.79%
3 Year-3.68%
5 Year17.16%

Profit Growth

1 Year148.81%
3 Year23.94%
5 Year33.8%

ROE%

1 Year0.55%
3 Year-2.37%
5 Year-1.12%

ROCE %

1 Year0.6%
3 Year-2.17%
5 Year-0.79%

Debt/Equity

0

Price to Cash Flow

1829.15

Interest Cover Ratio

65.1304

CFO/PAT (5 Yr. Avg.)

0

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 0.00 0.00
Jun 2024 0.00 0.00
Mar 2024 0.00 0.00
Dec 2023 0.00 0.00
Sep 2023 0.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has shown a good profit growth of 23.9427690495629% for the Past 3 years.
  • Company is virtually debt free.
  • The company has an efficient Cash Conversion Cycle of 4.4678 days.
  • Company has a healthy liquidity position with current ratio of 39.4778.
  • The company has a strong degree of Operating leverage, Average Operating leverage stands at 20.3391111766355.

 Limitations

  • The company has shown a poor revenue growth of -3.68081365874192% for the Past 3 years.
  • Company has a poor ROE of -2.36729498033996% over the past 3 years.
  • Company has a poor ROCE of -2.17057082727667% over the past 3 years
  • The company has a low EBITDA margin of -168.496292660735% over the past 5 years.
  • The company is trading at a high PE of 3239.86.
  • The company is trading at a high EV/EBITDA of 2232.0703.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024
Net Sales 35.22 13.62 27.14 34.31 30.07
Total Expenditure 73.9 74.72 62.44 103.16 82.91
Operating Profit -38.68 -61.09 -35.3 -68.85 -52.84
Other Income 61.69 63.9 63.15 63.37 62.2
Interest 0.18 0.17 0.14 0.13 0.1
Depreciation 0.81 0.75 0.75 0.74 0.81
Exceptional Items 0 0 0 -0.27 3.22
Profit Before Tax 22.02 1.89 26.96 -6.62 11.67
Tax 0 0 0 8.06 1.77
Profit After Tax 22.02 1.89 26.96 -14.68 9.9
Adjusted EPS (Rs) 0.49 0.04 0.6 -0.33 0.22

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Net Sales 61.11 123.42 103.18 134.15 110.29
Total Expenditure 89.27 143.61 512.6 400.35 314.14
Operating Profit -28.16 -20.18 -409.42 -266.2 -203.85
Other Income 86.88 56.02 114.25 196.79 252.11
Interest 1.44 2.33 1.18 1 0.69
Depreciation 9.2 3.8 3.9 3.74 3.05
Exceptional Items -29.16 -2.37 0 0 -0.27
Profit Before Tax 18.93 27.33 -300.25 -74.15 44.25
Tax 9.18 8.33 -0.56 0 8.06
Net Profit 9.74 19.01 -299.68 -74.15 36.19
Adjusted EPS (Rs.) 1.03 1.67 -6.67 -1.65 0.8

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 1.11 1.23 89.9 90.02 90.24
Total Reserves 2041.79 2939.76 6804.9 7272.68 7639.13
Borrowings 0 0 0 0 0
Other N/C liabilities 1.71 22.68 19.1 7.87 11.65
Current liabilities 19.59 43.19 18.12 16.46 72.68
Total Liabilities 2064.21 3006.86 6932.01 7387.03 7813.7
Assets
Net Block 3.48 15.73 11.5 8 5.72
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 914.22 1146.48 2204.03 3796.69 4740.94
Loans & Advances 17.51 32.08 39.17 35.83 61.19
Other N/C Assets 0.02 0.98 0 1357.45 136.6
Current Assets 1128.98 1811.58 4677.32 2189.06 2869.25
Total Assets 2064.21 3006.86 6932.01 7387.03 7813.7
* Other Non-current Liabilities include Net deferred Liabilities

Cash Flows (All Figures are in Crores.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Profit from operations 18.93 29.7 -300.25 -74.15 44.25
Adjustment -25.84 32.95 336.35 149.79 -52.39
Changes in Assets & Liabilities -97.63 13.78 -85.73 -76.3 76.03
Tax Paid -6.17 -5.66 -7.1 -4.29 -25.25
Operating Cash Flow -110.71 70.77 -56.73 -4.95 42.64
Investing Cash Flow -170.48 -1282.85 -3748.45 -179.71 95.32
Financing Cash Flow 1049.73 776.05 3641.82 -3.48 -3.49
Net Cash Flow 768.54 -436.03 -163.36 -188.14 134.47

Corporate Actions

Investors Details

 No Promoters Data available for this company.
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PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 100.00 100.00 100.00 100.00 100.00
alok bansal 1.67 1.67 1.67 1.27 1.27
axis mutual fund trustee ... - - - - 2.56
diphda internet services ... 4.19 4.19 4.18 4.14 4.14
franklin india focused eq... - 1.58 1.48 1.88 1.81
hdfc life insurance compa... - - - - 1.01
hdfc mutual fund - hdfc m... - 1.16 1.90 1.94 1.94
kotak funds - india midca... 1.42 1.85 1.68 1.59 1.45
llp - 0.23 0.22 0.23 0.22
makesense technologies lt... - - - - 13.13
max life insurance compan... - - - 1.74 1.62
new world fund inc - 1.67 5.89 6.34 6.33
smallcap world fund, inc - - - 1.38 1.38
startup investments (hold... 1.92 1.92 1.92 1.90 1.90
tencent cloud europe b.v.... 6.28 6.26 6.26 4.26 2.14
yashish dahiya 4.64 4.63 4.63 4.03 4.03
axis mutual fund trustee ... - - 1.70 1.93 -
makesense technologies li... 13.31 - 13.27 13.13 -
steadview capital mauriti... 1.38 1.32 1.32 1.31 -
government pension fund g... 1.34 1.13 1.05 - -
max life insurance co lt... 1.72 1.86 1.73 - -
mirae asset large & midca... - 3.03 1.32 - -
smallcap world fund inc - - 2.02 - -
wf asian smaller companie... 2.06 1.99 1.06 - -
claymore investments (mau... 5.43 5.42 - - -
makesense technologies lt... - 13.28 - - -
pi opportunities fund-ii 2.07 1.93 - - -
tata digital india fund - 1.16 - - -
franklin india prima fund... 1.45 - - - -
mirae asset emerging blue... 1.64 - - - -
svf python ii (cayman) li... 4.39 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

PB Fintech - Quaterly Results6 Aug 2024, 6:37PM PB Fintech - Quaterly Results6 Aug 2024, 6:37PM PB Fintech - Quaterly Results6 Aug 2024, 6:37PM PB Fintech divests 29.30% share capital in VHPL17 May 2024, 11:53AM PB Fintech - Quaterly Results7 May 2024, 6:08PM PB Fintech - Quaterly Results7 May 2024, 6:08PM PB Fintech - Quaterly Results7 May 2024, 6:08PM 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
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Brief about PB Fintech

PB Fintech Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

PB Fintech Ltd. is a leading fintech company that operates an online platform facilitating the processing and distribution of financial transactions. The company is dedicated to leveraging technology to provide users with seamless and secure financial services. With a mission to drive digital innovation in the financial industry, PB Fintech Ltd. has revolutionized the way individuals and businesses conduct their financial transactions.

PB Fintech Ltd. - Share Price

Stay up-to-date with the latest share price of PB Fintech Ltd. by visiting our stock analysis page. Our pre-built screening tools enable investors to monitor the company's share price and analyze its performance over time.

PB Fintech Ltd. - Balance Sheet

Gain insights into PB Fintech Ltd.'s financial position by exploring its balance sheet. Our website provides access to the company's annual reports, which can be downloaded for a comprehensive analysis. Utilize our premium features, such as DCF Analysis, BVPS Analysis, Earnings Multiple Approach, and DuPont Analysis, to calculate the fair value of PB Fintech Ltd.

PB Fintech Ltd. - Annual Report

Evaluate PB Fintech Ltd.'s performance and financial stability by accessing its annual reports on our website. These reports offer in-depth information about the company's activities, achievements, and future plans. As a long-term stock investor, it is crucial to have a thorough understanding of PB Fintech Ltd.'s annual report to make informed investment decisions.

PB Fintech Ltd. - Dividend

Track PB Fintech Ltd.'s dividend history on our stock analysis page. Understanding the company's dividend policy is essential for investors seeking regular income from their investments. Discover the dividend yields and payout trends of PB Fintech Ltd. to ensure your investment strategy aligns with your financial goals.

PB Fintech Ltd. - Quarterly Result

Assess PB Fintech Ltd.'s performance on a quarterly basis by referring to its financial reports. We provide downloadable quarterly reports that contain valuable information about the company's revenue, expenses, profitability, and market outlook. Utilize our premium tools to analyze PB Fintech Ltd.'s financial statements and gain a comprehensive understanding of its quarterly results.

PB Fintech Ltd. - Stock Price

Stay informed about PB Fintech Ltd.'s stock price movements by visiting our stock analysis page regularly. Analyze the historical and current stock prices using our price chart to identify trends and patterns. Our platform provides users with valuable insights to make well-informed investment decisions.

PB Fintech Ltd. - Price Chart

Utilize our pre-built screening tools and price chart to visualize PB Fintech Ltd.'s stock performance. Our user-friendly interface allows you to customize the price chart according to your preferences. Stay updated on price movements, trends, and historical data to enhance your investment strategy.

PB Fintech Ltd. - News

Access the latest news and updates about PB Fintech Ltd. on our website. Stay informed about company announcements, partnerships, and industry developments that may impact your investment decisions. Our platform consolidates relevant news articles to provide a comprehensive overview of PB Fintech Ltd.'s activities.

PB Fintech Ltd. - Concall Transcripts

Get insights into PB Fintech Ltd.'s conference calls by accessing our downloadable concall transcripts. These transcripts provide valuable information about the company's discussions, strategies, and future plans. As a long-term stock investor, understanding management's insights and vision is crucial in evaluating PB Fintech Ltd.'s potential.

PB Fintech Ltd. - Investor Presentations

Access PB Fintech Ltd.'s investor presentations on our website to gain a comprehensive understanding of the company's operations and growth prospects. These presentations offer detailed insights into PB Fintech Ltd.'s business strategies, financial performance, and future projections. Stay updated with the company's investor presentations to make informed investment decisions.

PB Fintech Ltd. - Promoters

Learn about PB Fintech Ltd.'s promoters, the individuals or entities responsible for its establishment and growth. Our stock analysis page provides information about the promoters' background and their contributions to the company's success. Understanding the promoters' involvement can provide valuable insights into PB Fintech Ltd.'s potential and future prospects.

PB Fintech Ltd. - Shareholders

Stay informed about PB Fintech Ltd.'s shareholders and their ownership stakes in the company. Our platform provides access to essential information about major shareholders, institutional investors, and their contribution to the company's capital. Stay updated on PB Fintech Ltd.'s shareholder structure to evaluate the company's stability and potential for growth.

By providing comprehensive information and valuable tools, our website aims to assist long-term stock investors in conducting thorough stock analysis. Access our pre-built screening tools, downloadable reports, and premium features to make well-informed investment decisions and maximize your returns.

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