PB Fintech Ltd

₹ 429 1.94%
31 Jan - close price
pbfintech.in BSE: 543390 NSE : POLICYBZR
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’.

Website BSE NSE
  • 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
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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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
212 271 238 280 367 540 505 573
234 339 356 491 685 795 740 800
Operating Profit -22 -69 -118 -212 -317 -255 -235 -226
OPM % -10% -25% -50% -76% -86% -47% -46% -39%
18 19 20 21 34 51 47 61
Interest 3 3 3 3 3 4 4 6
Depreciation 12 10 10 10 11 12 13 16
Profit before tax -18 -62 -111 -204 -298 -220 -204 -187
Tax % -9% -4% 0% 0% -0% 0% 0% -0%
Net Profit -20 -64 -111 -204 -298 -220 -204 -187
EPS in Rs -858.46 -2,821.65 -2.70 -4.97 -6.63 -4.89 -4.55 -4.15
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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 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%

Shareholding Pattern

Numbers in percentages

30 recently
Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
16.29 17.74 19.73 17.91 47.99
9.39 9.15 8.08 9.97 14.90
69.87 70.80 71.11 71.04 36.27
4.44 2.31 1.08 1.07 0.83

* 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.

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