PB Fintech Limited
PB Fintech Limited (POLICYBZR) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Financial Technology (Fintech)›Financial Technology (Fintech)
pbfintech.in(opens the company website in a new tab)Key metrics
Price as of 2026-09-04
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Sept 2023 | Dec 2023BSE balance sheet (this exchange's own filing had none for this period) | Mar 2024 | Jun 2024BSE balance sheet (this exchange's own filing had none for this period) | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 812 Cr | 871 Cr | 1,090 Cr | 1,010 Cr | 1,167 Cr | 1,292 Cr | 1,508 Cr | 1,348 Cr | 1,614 Cr | 1,771 Cr | 2,061 Cr | 1,888 Cr |
| Operating expenses (approx.) | 901 Cr | 896 Cr | 1,084 Cr | 1,050 Cr | 1,175 Cr | 1,264 Cr | 1,395 Cr | 1,314 Cr | 1,516 Cr | 1,612 Cr | 1,843 Cr | 1,749 Cr |
| EBITDA | -89 Cr | -25 Cr | 5 Cr | -39 Cr | -8 Cr | 28 Cr | 113 Cr | 34 Cr | 98 Cr | 159 Cr | 218 Cr | 139 Cr |
| OPM % | -11.0% | -2.9% | 0.5% | -3.9% | -0.7% | 2.1% | 7.5% | 2.6% | 6.1% | 9.0% | 10.6% | 7.4% |
| Other income | 97 Cr | 94 Cr | 98 Cr | 100 Cr | 106 Cr | 100 Cr | 101 Cr | 99 Cr | 85 Cr | 85 Cr | 104 Cr | 93 Cr |
| Interest | 7 Cr | 6 Cr | 7 Cr | 6 Cr | 9 Cr | 9 Cr | 9 Cr | 9 Cr | 9 Cr | 9 Cr | 10 Cr | 11 Cr |
| Depreciation | 22 Cr | 23 Cr | 24 Cr | 25 Cr | 29 Cr | 34 Cr | 33 Cr | 33 Cr | 34 Cr | 34 Cr | 35 Cr | 40 Cr |
| Profit before tax | -21 Cr | 37 Cr | 73 Cr | 71 Cr | 60 Cr | 85 Cr | 171 Cr | 92 Cr | 142 Cr | 201 Cr | 272 Cr | 179 Cr |
| Tax % | 1.5% | 0.0% | 17.4% | 15.3% | 15.4% | 16.0% | 0.5% | 8.3% | 5.0% | 5.8% | 4.0% | 8.8% |
| Net profit | -21 Cr | 37 Cr | 60 Cr | 60 Cr | 51 Cr | 72 Cr | 171 Cr | 85 Cr | 135 Cr | 189 Cr | 261 Cr | 163 Cr |
| EPS (₹) | ₹-0.45 | ₹0.85 | ₹1.35 | ₹1.34 | ₹1.12 | ₹1.57 | ₹3.73 | ₹1.85 | ₹2.94 | ₹4.11 | ₹5.65 | ₹3.53 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|
| Sales | 1,425 Cr | 2,558 Cr | 3,438 Cr | 4,977 Cr | 6,794 Cr | Sign in for TTM |
| Operating expenses (approx.) | 2,327 Cr | 3,219 Cr | 3,624 Cr | 4,884 Cr | 6,285 Cr | Sign in for TTM |
| EBITDA | -902 Cr | -662 Cr | -186 Cr | 94 Cr | 509 Cr | Sign in for TTM |
| OPM % | -63.3% | -25.9% | -5.4% | 1.9% | 7.5% | Sign in for TTM |
| Other income | 125 Cr | 259 Cr | 381 Cr | 408 Cr | 372 Cr | Sign in for TTM |
| Interest | 14 Cr | 21 Cr | 26 Cr | 34 Cr | 37 Cr | Sign in for TTM |
| Depreciation | 43 Cr | 64 Cr | 89 Cr | 121 Cr | 136 Cr | Sign in for TTM |
| Profit before tax | -833 Cr | -488 Cr | 77 Cr | 388 Cr | 707 Cr | Sign in for TTM |
| Tax % | 0.1% | 0.0% | 16.5% | 8.9% | 5.3% | Sign in for TTM |
| Net profit | -833 Cr | -488 Cr | 64 Cr | 353 Cr | 670 Cr | Sign in for TTM |
| EPS (₹) | ₹20.34 | ₹-10.97 | ₹1.50 | ₹7.77 | ₹14.58 | Sign in for TTM |
| Dividend payout % | — | — | 0.0% | 0.0% | 0.0% | Sign in for TTM |
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Equity capital | 90 Cr | 90 Cr | 90 Cr | 92 Cr | 93 Cr |
| Reserves | 5,322 Cr | 5,395 Cr | 5,786 Cr | 6,346 Cr | 7,219 Cr |
| Borrowings | — | — | — | — | — |
| Other liabilities | 504 Cr | 769 Cr | 852 Cr | 1,092 Cr | 1,389 Cr |
| Total liabilities | 5,915 Cr | 6,254 Cr | 6,729 Cr | 7,529 Cr | 8,707 Cr |
| Fixed assets (net) | — | 270 Cr | 315 Cr | 411 Cr | 430 Cr |
| CWIP | — | — | — | — | 0 Cr |
| Investments | — | 622 Cr | 1,358 Cr | 2,173 Cr | 3,211 Cr |
| Loans & advances | — | 5 Cr | 5 Cr | 24 Cr | 2 Cr |
| Trade receivables | — | 677 Cr | 651 Cr | 1,000 Cr | 1,729 Cr |
| Cash & bank | — | 72 Cr | 325 Cr | 561 Cr | 746 Cr |
| Other assets | 5,915 Cr | 4,607 Cr | 4,074 Cr | 3,361 Cr | 2,588 Cr |
| Total assets | 5,915 Cr | 6,254 Cr | 6,729 Cr | 7,529 Cr | 8,707 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Cash from operating activity | -1,568 Cr | -299 Cr | 9 Cr | -183 Cr | 41 Cr |
| Cash from investing | -2,127 Cr | 41 Cr | 301 Cr | 458 Cr | 214 Cr |
| Cash from financing | 3,621 Cr | -43 Cr | -57 Cr | -73 Cr | -81 Cr |
| Net cash flow | -71 Cr | -295 Cr | 253 Cr | 202 Cr | 186 Cr |
| Free cash flow (OCF − Capex) | -1,601 Cr | -365 Cr | -55 Cr | -280 Cr | -38 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| ROCE % | -15.1% | -8.5% | 1.8% | 6.5% | 10.2% |
| ROE % | -15.4% | -8.9% | 1.1% | 5.5% | 9.2% |
| Debtor days | — | 96 | 69 | 73 | 93 |
| Inventory days | — | 0 | 0 | 0 | 0 |
| Days payable | — | 44 | 32 | 27 | 25 |
| Cash conversion cycle | — | 53 | 37 | 46 | 67 |
| Debt / equity | — | — | — | — | — |
| Current ratio | — | 7.48 | 8.00 | 5.13 | 4.41 |
| Net debt / EBITDA | — | — | — | -5.98 | -1.47 |
Compare with peers
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