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PB Fintech Key Ratios

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NSE: POLICYBZR | BSE: 543390

₹1,875.00

up-down-arrow ₹63.50 (3.51%)

As on 31-Aug-2026IST

Market cap

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₹84,581 Cr

Revenue (TTM)

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₹7,334 Cr

P/E Ratio

info icon

113

P/B Ratio

info icon

11.3

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue -8.40 40.08 38.00 39.22 45.20
EBIT -45.93 10,916.67 1,189.72 41.29 14.00
Net Profit -37.62 92.56 98.76 65.61 25.89
EPS -37.62 91.13 97.36 64.78 17.51
Book Value -- -- 19.46 5.39 1.12
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-25Mar-24
EBIT-Margin info -185.57-25.186.43-0.55-7.99
Net Margin info -3.05-15.709.796.561.69
Return on equity info -0.14-7.3710.636.551.35
Return on Capital info -0.08-6.00--6.851.83
Return on Assets info -0.13-5.989.284.940.99
Debt to Equity (x) info ----0.000.000.00

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
--
6.85
1.83
-8.57
-22.14
Peer Median
--
21.07
--
16.27
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

10.63

Lower than Peers by 3.31

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
10.63
6.55
1.35
-10.15
-24.56
Peer Median
13.93
19.15
--
20.04
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

9.28

Higher than Peers by 2.94

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
9.28
4.94
0.99
-8.01
-20.16
Peer Median
6.35
8.61
--
6.70
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

6.43

Lower than Peers by 29.65

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
6.43
-0.55
-7.99
-28.35
-66.32
Peer Median
36.08
36.31
--
24.13
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

9.79

Lower than Peers by 11.48

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
9.79
6.56
1.69
-17.32
-53.73
Peer Median
21.27
19.21
--
21.15
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

--

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
--
9.53
4.45
-16.58
-55.45
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

38.00

Higher than Peers by 11.97

Year on year growth in net sales

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
38.00
44.78
34.40
79.51
60.70
Peer Median
26.03
22.63
--
17.70
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

1,189.72

Higher than Peers by 1,162.26

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
1,189.72
90.04
62.12
23.26
-370.13
Peer Median
27.45
36.04
--
2.27
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

98.76

Higher than Peers by 71.73

Year on year growth in profit after tax

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
98.76
448.30
113.20
41.42
-454.38
Peer Median
27.02
41.00
--
2.88
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

97.36

Higher than Peers by 82.91

Year on year growth in earnings per share

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
97.36
417.80
113.71
41.58
-40.60
Peer Median
14.45
26.97
--
25.00
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
--
21.60
4.13
-5.55
169.43
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
--
--
--
--
--
Peer Median
--
0.21
--
0.36
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

4.41

Higher than Peers by 1.95

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
4.41
5.13
7.97
7.48
16.51
Peer Median
2.46
1.47
--
1.47
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

4.41

Higher than Peers by 1.95

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
4.41
5.13
7.97
7.48
16.51
Peer Median
2.46
2.66
--
1.70
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

21.25

Higher than Peers by 15.28

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
21.25
12.38
3.89
-21.59
-59.55
Peer Median
5.97
7.52
--
7.77
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

23.57

Higher than Peers by 11.46

Debtors outstanding / Net Sales * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
23.57
20.08
18.45
26.48
25.33
Peer Median
12.11
15.98
--
20.65
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.90

Higher than Peers by 0.61

Sales / Average Total Assets

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
0.90
0.70
0.53
0.42
0.34
Peer Median
0.30
0.37
--
0.32
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
--
59.90
69.62
74.07
68.37
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
--
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

113.04

Higher than Peers by 88.31

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
113.04
206.75
757.00
--
--
Peer Median
24.73
12.41
--
14.56
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

11.30

Higher than Peers by 9.38

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
11.30
12.34
10.42
6.16
6.30
Peer Median
1.92
1.89
--
2.11
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
--
--
--
--
--
Peer Median
0.27
0.02
--
0.10
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

85.46

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
85.46
143.92
256.82
-69.57
-35.35
Peer Median
--
8.60
--
7.20
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

84,581

Higher than Peers by 81,371

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
PB Fintech
84,581
72,986
50,704
28,755
31,157
Peer Median
3,210
1,641
--
804
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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