PB Fintech Ltd

PB Fintech Ltd

₹ 1,372 4.21%
14 Jun - close price
About

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]

Key Points

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’.

  • Market Cap 62,618 Cr.
  • Current Price 1,372
  • High / Low 1,400 / 635
  • Stock P/E 972
  • 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 10.5 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.

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
271 238 280 367 540 505 573 610 869 666 812 871 1,090
339 356 491 685 795 740 800 744 937 743 901 898 1,085
Operating Profit -69 -118 -212 -317 -255 -235 -226 -133 -68 -77 -89 -27 5
OPM % -25% -50% -76% -86% -47% -46% -39% -22% -8% -12% -11% -3% 0%
19 20 21 34 51 47 61 69 82 91 97 94 98
Interest 3 3 3 3 4 4 6 6 6 6 7 6 7
Depreciation 10 10 10 11 12 13 16 18 17 20 22 23 24
Profit before tax -62 -111 -204 -298 -220 -204 -187 -88 -9 -12 -21 37 73
Tax % -4% 0% 0% -0% 0% 0% -0% -0% 0% -3% 1% 0% 17%
-64 -111 -204 -298 -220 -204 -187 -88 -9 -12 -21 37 60
EPS in Rs -2,821.65 -2.70 -4.97 -6.63 -4.89 -4.55 -4.15 -1.94 -0.20 -0.25 -0.45 0.84 1.34
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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: 113%
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
Preference Capital 0 1 1 1 1 1 0 0
0 0 0 89 108 109 159 227 253
29 44 93 173 203 231 344 551 604
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%

Shareholding Pattern

Numbers in percentages

26 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
16.29% 17.74% 19.73% 17.91% 47.99% 50.41% 49.60% 49.40% 46.00% 48.97%
9.39% 9.15% 8.08% 9.97% 14.90% 13.97% 15.33% 16.31% 18.97% 16.64%
69.87% 70.80% 71.11% 71.04% 36.27% 34.79% 34.24% 33.46% 34.28% 33.81%
4.44% 2.31% 1.08% 1.07% 0.83% 0.83% 0.83% 0.83% 0.76% 0.59%
No. of Shareholders 1,81,9982,00,7291,99,3192,04,3292,13,8231,95,6721,91,7041,80,7651,65,9331,52,153

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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