PB Fintech Financials
NSE: POLICYBZR | BSE: 543390
₹1,836.00
₹-34.00
(-1.82%)
As on 04-Sep-2026 15:31IST
Market cap
₹85,085 Cr
Revenue (TTM)
₹7,334 Cr
P/E Ratio
113.7
P/B Ratio
11.4
Div. Yield
0 %
Income Statement (₹ Cr) |
TTM | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 | Mar-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Operating Revenue
|
7,334.31
|
4,977.21
|
3,437.68
|
2,557.85
|
1,424.89
|
886.66
|
|
|
|
|
|
|
Total Income
|
7,701.02
|
5,384.94
|
3,818.25
|
2,816.84
|
1,550.28
|
957.41
|
|
|
|
|
|
|
Total Expenditure
|
6,720.18
|
4,883.31
|
3,623.68
|
3,219.21
|
2,327.03
|
1,046.29
|
|
|
|
|
|
|
EBITDA
|
614.13
|
93.90
|
-186.00
|
-661.36
|
-902.14
|
-159.63
|
|
|
|
|
|
|
Depreciation
|
142.61
|
121.27
|
88.72
|
63.82
|
42.84
|
41.38
|
|
|
|
|
|
|
EBIT
|
471.52
|
-27.37
|
-274.72
|
-725.18
|
-944.98
|
-201.00
|
|
|
|
|
|
|
Interest
|
39.45
|
34.05
|
26.72
|
21.60
|
13.76
|
11.66
|
|
|
|
|
|
|
Other Income
|
366.71
|
407.73
|
380.57
|
258.99
|
125.39
|
70.75
|
|
|
|
|
|
|
Exceptional Items
|
--
|
41.05
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Profit before Tax
|
798.78
|
387.62
|
77.11
|
-487.96
|
-833.39
|
-141.91
|
|
|
|
|
|
|
Provision for Tax
|
45.22
|
34.46
|
12.70
|
-0.02
|
-0.48
|
8.33
|
|
|
|
|
|
|
Profit after Tax
|
753.56
|
353.16
|
64.41
|
-487.94
|
-832.91
|
-150.24
|
|
|
|
|
|
|
Minority Interest
|
-0.15
|
-0.15
|
2.57
|
0.72
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
-5.17
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
748.24
|
353.01
|
66.98
|
-487.22
|
-832.91
|
-150.24
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 | Mar-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
7,311.79
|
6,432.28
|
5,871.03
|
5,476.30
|
5,411.66
|
1,991.73
|
|
|
|
|
|
|
Minority Interest
|
-0.15
|
5.54
|
5.44
|
8.50
|
--
|
--
|
|
|
|
|
|
|
Non-Current Liabilities
|
397.03
|
374.91
|
261.57
|
218.30
|
174.09
|
126.33
|
|
|
|
|
|
|
Current Liabilities
|
991.97
|
751.28
|
603.17
|
550.92
|
337.39
|
220.95
|
|
|
|
|
|
|
Total Liabilities
|
8,706.52
|
7,564.01
|
6,741.21
|
6,254.03
|
5,923.21
|
2,339.02
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 | Mar-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Non-Current Assets
|
1,987.53
|
3,710.81
|
1,935.16
|
2,131.80
|
351.60
|
199.52
|
|
|
|
|
|
|
Current Assets
|
4,376.02
|
3,853.20
|
4,806.05
|
4,122.22
|
5,571.54
|
2,139.50
|
|
|
|
|
|
|
Total Assets
|
8,706.52
|
7,564.01
|
6,741.21
|
6,254.03
|
5,923.21
|
2,339.02
|
|
|
|
|
|
|
Total Debt*
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Net Current Assets
|
3,384.05
|
3,101.92
|
4,202.88
|
3,571.30
|
5,234.15
|
1,918.54
|
|
|
|
|
|
|
Contingent Liabilities
|
--
|
--
|
89.22
|
68.45
|
25.57
|
24.20
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 | Mar-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
-183.14
|
8.65
|
-298.97
|
-1,567.88
|
28.71
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
457.68
|
300.81
|
41.41
|
-2,126.61
|
-1,201.75
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
-72.69
|
-56.83
|
-42.50
|
3,621.42
|
758.81
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
201.85
|
252.63
|
-300.06
|
-73.07
|
-414.24
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 | Mar-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
16.19
|
7.69
|
1.48
|
-10.82
|
-18.53
|
-13.18
|
|
|
|
|
|
|
Cash EPS (₹)
|
16.17
|
10.33
|
3.39
|
-9.42
|
-17.58
|
-9.55
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
161.72
|
128.79
|
107.81
|
103.78
|
110.03
|
161.02
|
|
|
|
|
|
|
Dividend per Share (₹)
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
-3.99
|
0.19
|
-6.64
|
-34.88
|
1,259.03
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-0.30
|
3.06
|
-13.86
|
-46.24
|
-3,301.71
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 | Mar-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
ROCE (%)
|
--
|
6.85
|
1.83
|
-8.57
|
-22.14
|
-8.00
|
|
|
|
|
|
|
ROE (%)
|
10.63
|
6.55
|
1.35
|
-10.15
|
-24.56
|
-10.04
|
|
|
|
|
|
|
ROA (%)
|
9.28
|
4.94
|
0.99
|
-8.01
|
-20.16
|
-7.66
|
|
|
|
|
|
|
EBIT Margin (%)
|
6.43
|
-0.55
|
-7.99
|
-28.35
|
-66.32
|
-22.67
|
|
|
|
|
|
|
Net Margin (%)
|
9.79
|
6.56
|
1.69
|
-17.32
|
-53.73
|
-15.69
|
|
|
|
|
|
|
Cash Profit Margin (%)
|
--
|
9.53
|
4.45
|
-16.58
|
-55.45
|
-12.28
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 | Mar-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
38.00
|
44.78
|
34.40
|
79.51
|
60.70
|
14.96
|
|
|
|
|
|
|
EBIT Growth (%)
|
1,189.72
|
90.04
|
62.12
|
23.26
|
-370.13
|
45.24
|
|
|
|
|
|
|
Net Profit Growth (%)
|
98.76
|
448.30
|
113.20
|
41.42
|
-454.38
|
50.58
|
|
|
|
|
|
|
EPS Growth (%)
|
97.36
|
417.80
|
113.71
|
41.58
|
-40.60
|
58.82
|
|
|
|
|
|
|
Book Value Growth (%)
|
--
|
21.60
|
4.13
|
-5.55
|
169.43
|
58.62
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 | Mar-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
113.71
|
206.75
|
757.00
|
--
|
--
|
--
|
|
|
|
|
|
|
Price / Book Value
|
11.37
|
12.34
|
10.42
|
6.16
|
6.30
|
--
|
|
|
|
|
|
|
Dividend Yield (%)
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
85.97
|
143.92
|
256.82
|
-69.57
|
-35.35
|
20.35
|
|
|
|
|
|
|
Close Price (₹)
|
1,628.60
|
1,589.75
|
1,124.25
|
638.90
|
694.30
|
--
|
|
|
|
|
|
|
High Price (₹)
|
1,974.00
|
2,254.95
|
1,210.95
|
827.95
|
1,470.00
|
--
|
|
|
|
|
|
|
Low Price (₹)
|
1,334.20
|
1,108.05
|
566.30
|
356.20
|
618.00
|
--
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
85,084.96
|
72,986.31
|
50,703.72
|
28,754.58
|
31,157.09
|
--
|
|
|
|
|
|
Solvency Ratios |
TTM | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 | Mar-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debt to Equity
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Short term debt to equity ratio
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Current Ratio
|
4.41
|
5.13
|
7.97
|
7.48
|
16.51
|
9.68
|
|
|
|
|
|
|
Quick Ratio
|
4.41
|
5.13
|
7.97
|
7.48
|
16.51
|
9.68
|
|
|
|
|
|
|
Interest Coverage
|
21.25
|
12.38
|
3.89
|
-21.59
|
-59.55
|
-11.17
|
|
|
|
|
|
Operating Efficiency Ratios |
TTM | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 | Mar-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debtors to sales (%)
|
23.57
|
20.08
|
18.45
|
26.48
|
25.33
|
19.50
|
|
|
|
|
|
|
Asset Turnover
|
0.90
|
0.70
|
0.53
|
0.42
|
0.34
|
0.45
|
|
|
|
|
|
|
Receivable days
|
--
|
59.90
|
69.62
|
74.07
|
68.37
|
72.38
|
|
|
|
|
|
|
Inventory Days
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Payable days
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Cash Conversion Cycle
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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