PB Fintech Ltd
PB Fintech Ltd, popularly known as Policy Bazar is India’s largest online platform for insurance and lending products through its flagship brands - Policybazaar and Paisabazaar platform through which they provide convenient access to insurance, credit and other financial products[1]
- Market Cap ₹ 19,290 Cr.
- Current Price ₹ 429
- High / Low ₹ 972 / 356
- Stock P/E
- Book Value ₹ 120
- Dividend Yield 0.00 %
- ROCE -21.8 %
- ROE -23.0 %
- Face Value ₹ 2.00
Pros
- Company is almost debt free.
- Company is expected to give good quarter
Cons
- Stock is trading at 3.58 times its book value
- Company has low interest coverage ratio.
- Company has a low return on equity of -22.6% over last 3 years.
- Working capital days have increased from 105 days to 314 days
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: IT - Software Industry: Computers - Software - Medium / Small
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | TTM | |
---|---|---|---|---|---|---|---|---|
78 | 90 | 334 | 492 | 771 | 887 | 1,425 | 1,986 | |
149 | 232 | 386 | 828 | 1,091 | 1,046 | 2,325 | 3,019 | |
Operating Profit | -72 | -142 | -52 | -336 | -320 | -160 | -901 | -1,033 |
OPM % | -92% | -157% | -16% | -68% | -41% | -18% | -63% | -52% |
10 | 35 | 26 | 37 | 84 | 71 | 124 | 192 | |
Interest | 0 | 0 | 0 | 8 | 12 | 12 | 14 | 17 |
Depreciation | 2 | 3 | 7 | 30 | 47 | 41 | 43 | 52 |
Profit before tax | -64 | -110 | -34 | -337 | -295 | -142 | -833 | -909 |
Tax % | -0% | 0% | -76% | -3% | -3% | -6% | 0% | |
Net Profit | -64 | -110 | -59 | -347 | -304 | -150 | -833 | -909 |
EPS in Rs | -17,719.44 | -30,600.00 | -16,396.12 | -91,265.79 | -80,007.89 | -6,583.70 | -18.53 | -20.22 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 43% |
TTM: | 99% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
TTM: | -128% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | -50% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | -23% |
Last Year: | -23% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Sep 2022 | |
---|---|---|---|---|---|---|---|---|
0 | 1 | 1 | 1 | 1 | 1 | 90 | 90 | |
Reserves | 97 | 301 | 787 | 489 | 1,265 | 1,990 | 5,322 | 5,284 |
0 | 0 | 0 | 89 | 108 | 109 | 159 | 224 | |
29 | 44 | 93 | 173 | 203 | 231 | 344 | 364 | |
Total Liabilities | 126 | 345 | 880 | 751 | 1,576 | 2,331 | 5,915 | 5,963 |
4 | 6 | 11 | 119 | 147 | 125 | 205 | 303 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 19 | 237 | 650 | 125 | 2 | 138 | 373 | 867 |
103 | 102 | 219 | 507 | 1,427 | 2,068 | 5,338 | 4,792 | |
Total Assets | 126 | 345 | 880 | 751 | 1,576 | 2,331 | 5,915 | 5,963 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
---|---|---|---|---|---|---|---|
-102 | -97 | -83 | -282 | -364 | 29 | -1,568 | |
-15 | -244 | -434 | 375 | 79 | -1,202 | -2,125 | |
119 | 315 | 513 | -23 | 1,031 | 759 | 3,621 | |
Net Cash Flow | 2 | -27 | -5 | 69 | 746 | -415 | -71 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
---|---|---|---|---|---|---|---|
Debtor Days | 120 | 156 | 105 | 97 | 85 | 71 | 92 |
Inventory Days | |||||||
Days Payable | |||||||
Cash Conversion Cycle | 120 | 156 | 105 | 97 | 85 | 71 | 92 |
Working Capital Days | 57 | 93 | 29 | -12 | 7 | -7 | 314 |
ROCE % | -63% | -53% | -36% | -9% | -22% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
1d - The Board of the Company, post approval and declaration of unaudited Financial Results (standalone & consolidated) for the quarter and nine months ended December 31, …
- Board Meeting Intimation for Intimation Of Board Meeting Under Regulation 29 Of The SEBI (Listing Obligation And Disclosure Requirement) Regulations, 2015 And Update On Closure Of Trading Window 1d
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Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations, 2015
11 Jan - In furtherance to our earlier communication, dated February 03, 2022, wherein, PB Fintech Limited ('Company') had intimated setting up a wholly owned subsidiary 'PB Financial …
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
9 Jan - Certificate pursuant to Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018
- Closure of Trading Window 29 Dec 2022
Concalls
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Nov 2022TranscriptPPT
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Aug 2022TranscriptPPT
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Jun 2022TranscriptPPT
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Feb 2022TranscriptPPT
Business Platforms[1] PB Fintech is a multinational financial technology company that offers insurance products through its online platform ‘Policybazaar’ and financial products through ‘Paisabazaar’.