PB Fintech Ltd

PB Fintech. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

PB Fintech Ltd

₹ 1,794 -2.09%
11 Jul - 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) PolicyBazaar: The company’s flagship brand, Policybazaar, is India’s leading digital insurance marketplace, holding a 93% market share. It primarily caters to middle-class families in India, offering protection against death, disease, and disability through products like health, term, motor, and travel insurance, etc. As of Q2 FY25, the platform has 86.9 million registered users, and 18.3 million active users, and has sold over 46.8 million insurance policies. [1] [2] [3]

Website BSE NSE
  • Market Cap ₹ 82,382 Cr.
  • Current Price ₹ 1,794
  • High / Low ₹ 2,255 / 1,311
  • Stock P/E 261
  • Book Value ₹ 140
  • Dividend Yield 0.00 %
  • ROCE 5.90 %
  • ROE 5.13 %
  • Face Value ₹ 2.00
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Pros

  • Company is almost debt free.
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 23.2% CAGR over last 5 years
  • Company's median sales growth is 44.8% of last 10 years

Cons

  • Stock is trading at 12.8 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Tax rate seems low
  • Company has a low return on equity of -0.62% over last 3 years.
  • Earnings include an other income of Rs.449 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

Financial Services Financial Services Financial Technology (Fintech) Financial Technology (Fintech)

Part of BSE 500 BSE 100 BSE 200 Nifty 500 BSE MidCap

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
540 505 573 610 869 666 812 871 1,090 1,010 1,167 1,292 1,508
795 740 800 744 937 743 901 898 1,085 1,050 1,175 1,264 1,395
Operating Profit -255 -235 -226 -133 -68 -77 -89 -27 5 -39 -8 28 113
OPM % -47% -46% -39% -22% -8% -12% -11% -3% 0% -4% -1% 2% 7%
51 47 61 69 82 91 97 94 98 141 106 100 101
Interest 4 4 6 6 6 6 7 6 7 6 9 9 9
Depreciation 12 13 16 18 17 20 22 23 24 25 29 34 33
Profit before tax -220 -204 -187 -88 -9 -12 -21 37 73 71 60 85 171
Tax % -0% -0% 0% 0% -0% 3% -1% 0% 17% 15% 15% 16% 0%
-220 -204 -187 -88 -9 -12 -21 37 60 60 51 72 171
EPS in Rs -4.89 -4.55 -4.15 -1.94 -0.20 -0.25 -0.45 0.84 1.34 1.32 1.11 1.56 3.72
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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 Mar 2025
78 90 334 492 771 887 1,425 2,558 3,438 4,977
149 232 386 828 1,091 1,046 2,325 3,219 3,626 4,884
Operating Profit -72 -142 -52 -336 -320 -160 -901 -662 -188 94
OPM % -92% -157% -16% -68% -41% -18% -63% -26% -5% 2%
10 35 26 37 84 71 124 259 381 449
Interest 0 0 0 8 12 12 14 22 27 34
Depreciation 2 3 7 30 47 41 43 64 89 121
Profit before tax -64 -110 -34 -337 -295 -142 -833 -488 77 388
Tax % 0% 0% 76% 3% 3% 6% -0% -0% 16% 9%
-64 -110 -59 -347 -304 -150 -833 -488 64 353
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 7.69
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 52%
5 Years: 45%
3 Years: 52%
TTM: 45%
Compounded Profit Growth
10 Years: 21%
5 Years: 23%
3 Years: 34%
TTM: 390%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: 49%
1 Year: 23%
Return on Equity
10 Years: %
5 Years: -5%
3 Years: -1%
Last Year: 5%

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 Mar 2025
Equity Capital 0.04 0.04 0.04 0.04 0.04 0.05 90 90 90 92
Reserves 97 301 787 489 1,265 1,990 5,322 5,386 5,781 6,340
0 1 1 90 110 110 159 227 253 322
29 43 92 172 202 230 344 551 604 775
Total Liabilities 126 345 880 751 1,576 2,331 5,915 6,254 6,729 7,529
4 6 11 119 147 125 205 313 359 418
CWIP 0 0 0 0 0 0 0 0 0 0
Investments 19 237 650 125 2 138 373 622 1,358 2,173
103 102 219 507 1,427 2,068 5,338 5,319 5,011 4,938
Total Assets 126 345 880 751 1,576 2,331 5,915 6,254 6,729 7,529

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 Mar 2025
-102 -97 -83 -282 -364 29 -1,568 -299 9 -183
-15 -244 -434 375 79 -1,202 -2,125 46 301 458
119 315 513 -23 1,031 759 3,621 -42 -57 -73
Net Cash Flow 2 -27 -5 69 746 -415 -71 -295 253 202

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 Mar 2025
Debtor Days 120 156 105 97 85 71 92 97 69 73
Inventory Days
Days Payable
Cash Conversion Cycle 120 156 105 97 85 71 92 97 69 73
Working Capital Days 57 93 29 -12 7 -7 314 325 329 173
ROCE % -63% -53% -36% -9% -21% -8% 2% 6%

Shareholding Pattern

Numbers in percentages

11 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
19.73% 17.91% 47.99% 50.41% 49.60% 49.40% 46.00% 48.97% 51.58% 49.70% 47.78% 45.93%
8.08% 9.97% 14.90% 13.97% 15.33% 16.31% 18.97% 16.64% 16.17% 18.31% 20.57% 22.95%
71.11% 71.04% 36.27% 34.79% 34.24% 33.46% 34.28% 33.81% 31.69% 31.44% 31.35% 30.85%
1.08% 1.07% 0.83% 0.83% 0.83% 0.83% 0.76% 0.59% 0.55% 0.54% 0.28% 0.28%
No. of Shareholders 1,99,3192,04,3292,13,8231,95,6721,91,7041,80,7651,65,9331,52,1531,45,3831,52,9481,48,2751,51,205

* 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.

Documents

Announcements

Annual reports

DRHP

Concalls