PB Fintech Ltd

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

PB Fintech Ltd

₹ 836 -0.52%
05 Dec 11:51 a.m.
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 ₹ 37,664 Cr.
  • Current Price ₹ 836
  • High / Low ₹ 891 / 391
  • Stock P/E
  • Book Value ₹ 125
  • Dividend Yield 0.00 %
  • ROCE -8.27 %
  • ROE -8.95 %
  • 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 6.64 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of -13.9% over last 3 years.
  • Working capital days have increased from 211 days to 325 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 Dec 2022 Mar 2023 Jun 2023 Sep 2023
212 271 238 280 367 540 505 573 610 869 666 812
234 339 356 491 685 795 740 800 744 937 743 901
Operating Profit -22 -69 -118 -212 -317 -255 -235 -226 -133 -68 -77 -89
OPM % -10% -25% -50% -76% -86% -47% -46% -39% -22% -8% -12% -11%
18 19 20 21 34 51 47 61 69 82 91 97
Interest 3 3 3 3 3 4 4 6 6 6 6 7
Depreciation 12 10 10 10 11 12 13 16 18 17 20 22
Profit before tax -18 -62 -111 -204 -298 -220 -204 -187 -88 -9 -12 -21
Tax % -9% -4% 0% 0% -0% 0% 0% -0% -0% 0% -3% 1%
-20 -64 -111 -204 -298 -220 -204 -187 -88 -9 -12 -21
EPS in Rs -858.46 -2,821.65 -2.70 -4.97 -6.63 -4.89 -4.55 -4.15 -1.94 -0.20 -0.25 -0.45
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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 TTM
78 90 334 492 771 887 1,425 2,558 2,956
149 232 386 828 1,091 1,046 2,325 3,219 3,324
Operating Profit -72 -142 -52 -336 -320 -160 -901 -661 -368
OPM % -92% -157% -16% -68% -41% -18% -63% -26% -12%
10 35 26 37 84 71 124 259 340
Interest 0 0 0 8 12 12 14 22 25
Depreciation 2 3 7 30 47 41 43 64 77
Profit before tax -64 -110 -34 -337 -295 -142 -833 -488 -130
Tax % -0% 0% -76% -3% -3% -6% 0% 0%
-64 -110 -59 -347 -304 -150 -833 -488 -130
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 -2.84
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 50%
3 Years: 49%
TTM: 49%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: -11%
TTM: 86%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 76%
Return on Equity
10 Years: %
5 Years: -18%
3 Years: -14%
Last Year: -9%

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 Sep 2023
Equity Capital 0 0 0 0 0 0 90 90 90
Reserves 97 301 787 489 1,265 1,990 5,322 5,386 5,556
Preference Capital 0 1 1 1 1 1 0 0
0 0 0 89 108 109 159 227 263
29 44 93 173 203 231 344 551 518
Total Liabilities 126 345 880 751 1,576 2,331 5,915 6,254 6,427
4 6 11 119 147 125 205 313 370
CWIP 0 0 0 0 0 0 0 0 0
Investments 19 237 650 125 2 138 373 622 252
103 102 219 507 1,427 2,068 5,338 5,319 5,806
Total Assets 126 345 880 751 1,576 2,331 5,915 6,254 6,427

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
-102 -97 -83 -282 -364 29 -1,568 -299
-15 -244 -434 375 79 -1,202 -2,125 46
119 315 513 -23 1,031 759 3,621 -43
Net Cash Flow 2 -27 -5 69 746 -415 -71 -295

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 120 156 105 97 85 71 92 97
Inventory Days
Days Payable
Cash Conversion Cycle 120 156 105 97 85 71 92 97
Working Capital Days 57 93 29 -12 7 -7 314 325
ROCE % -63% -53% -36% -9% -21% -8%

Shareholding Pattern

Numbers in percentages

26 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
16.29% 17.74% 19.73% 17.91% 47.99% 50.41% 49.60% 49.40%
9.39% 9.15% 8.08% 9.97% 14.90% 13.97% 15.33% 16.31%
69.87% 70.80% 71.11% 71.04% 36.27% 34.79% 34.24% 33.46%
4.44% 2.31% 1.08% 1.07% 0.83% 0.83% 0.83% 0.83%
No. of Shareholders 1,81,9982,00,7291,99,3192,04,3292,13,8231,95,6721,91,7041,80,765

* 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