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 ₹ 68,355 Cr.
- Current Price ₹ 1,499
- High / Low ₹ 1,544 / 661
- Stock P/E 1,061
- Book Value ₹ 130
- Dividend Yield 0.00 %
- ROCE 1.75 %
- ROE 1.14 %
- Face Value ₹ 2.00
Pros
- Company is almost debt free.
- Company is expected to give good quarter
Cons
- Stock is trading at 11.5 times its book value
- Company has a low return on equity of -8.46% over last 3 years.
- Earnings include an other income of Rs.381 Cr.
* 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 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|
78 | 90 | 334 | 492 | 771 | 887 | 1,425 | 2,558 | 3,438 | |
149 | 232 | 386 | 828 | 1,091 | 1,046 | 2,325 | 3,219 | 3,626 | |
Operating Profit | -72 | -142 | -52 | -336 | -320 | -160 | -901 | -661 | -188 |
OPM % | -92% | -157% | -16% | -68% | -41% | -18% | -63% | -26% | -5% |
10 | 35 | 26 | 37 | 84 | 71 | 124 | 259 | 381 | |
Interest | 0 | 0 | 0 | 8 | 12 | 12 | 14 | 22 | 26 |
Depreciation | 2 | 3 | 7 | 30 | 47 | 41 | 43 | 64 | 89 |
Profit before tax | -64 | -110 | -34 | -337 | -295 | -142 | -833 | -488 | 77 |
Tax % | 0% | 0% | 76% | 3% | 3% | 6% | -0% | -0% | 16% |
-64 | -110 | -59 | -347 | -304 | -150 | -833 | -488 | 64 | |
EPS in Rs | -17,719.44 | -30,600.00 | -16,396.12 | -91,265.79 | -80,007.89 | -6,583.70 | -18.53 | -10.82 | 1.48 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 48% |
3 Years: | 57% |
TTM: | 34% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 17% |
3 Years: | 33% |
TTM: | 113% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | 109% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | -10% |
3 Years: | -8% |
Last Year: | 1% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|
Equity Capital | 0 | 0 | 0 | 0 | 0 | 0 | 90 | 90 | 90 |
Reserves | 97 | 301 | 787 | 489 | 1,265 | 1,990 | 5,322 | 5,386 | 5,781 |
0 | 1 | 1 | 90 | 110 | 110 | 159 | 227 | 253 | |
29 | 43 | 92 | 172 | 202 | 230 | 344 | 551 | 604 | |
Total Liabilities | 126 | 345 | 880 | 751 | 1,576 | 2,331 | 5,915 | 6,254 | 6,729 |
4 | 6 | 11 | 119 | 147 | 125 | 205 | 313 | 359 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 19 | 237 | 650 | 125 | 2 | 138 | 373 | 622 | 1,358 |
103 | 102 | 219 | 507 | 1,427 | 2,068 | 5,338 | 5,319 | 5,011 | |
Total Assets | 126 | 345 | 880 | 751 | 1,576 | 2,331 | 5,915 | 6,254 | 6,729 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|
-102 | -97 | -83 | -282 | -364 | 29 | -1,568 | -299 | 9 | |
-15 | -244 | -434 | 375 | 79 | -1,202 | -2,125 | 46 | 301 | |
119 | 315 | 513 | -23 | 1,031 | 759 | 3,621 | -43 | -57 | |
Net Cash Flow | 2 | -27 | -5 | 69 | 746 | -415 | -71 | -295 | 253 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|
Debtor Days | 120 | 156 | 105 | 97 | 85 | 71 | 92 | 97 | 69 |
Inventory Days | |||||||||
Days Payable | |||||||||
Cash Conversion Cycle | 120 | 156 | 105 | 97 | 85 | 71 | 92 | 97 | 69 |
Working Capital Days | 57 | 93 | 29 | -12 | 7 | -7 | 314 | 325 | 374 |
ROCE % | -63% | -53% | -36% | -9% | -21% | -8% | 2% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 22 Jul
- Board Meeting Intimation for Consideration And Approval Of The Unaudited Standalone And Consolidated Financial Results Of The Company For The Quarter Ended June 30, 2024 Along With The Limited Review Report Of The Auditors Thereon And Other Business Matters. 22 Jul
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
5 Jul - Certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended June 30, 2024.
- Closure of Trading Window 28 Jun
- Disclosure Under Regulation 30 Of SEBI (LODR) Regulations, 2015 21 Jun
Annual reports
Concalls
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May 2024Transcript PPT REC
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Aug 2023TranscriptPPTREC
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Aug 2023TranscriptNotesPPTREC
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May 2023Transcript PPT
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Feb 2023Transcript PPT
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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’.