NSE / BSETechnology
β‚Ή1584.10+30.30+1.95%
P/E0.0Mkt Capβ‚Ή75.81 K CrEV/EBITDA1567.2

PB Fintech Limited

P/E0.0Mkt Capβ‚Ή75.81 K CrEV/EBITDA1567.2
Company Profile

PB Fintech Limited operates an online marketplace for insurance and lending products in India and the United Arab Emirates. It operates through two segments, Insurance Services and Other Services. The company offers Policybazaar that enables consumers to compare, evaluate, and apply for insurance products, such as term, life, health, car, 2 wheeler, family health, travel, and home insurance products, as well as investment, guaranteed return, child savings, and retirement plans. It also provides Paisabazaar, which facilitates access to lending and personal credit products. In addition, the company offers online healthcare related services; insurance broking services; support services for motor vehicle claims and related assistance; account aggregation services; online marketing and sales consulting services; and information technology and related services. Further, the company engages in the operation of call center; online comparison, sale, and online, offline, and direct marketing of financial products; and payment aggregator, payment gateway services, payment facilitation activities by offline and a digital payment acceptance. PB Fintech Limited was incorporated in 2008 and is based in Gurugram, India.

Valuation

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
β€”
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
0.0x
β€”
EV / Sales
0.0x
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
0.0x
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
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Interest Coverage
β€”
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AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–Ό 11.22% over 1Y
Monthly Returns

Historically, Nov has averaged the highest return (+12.3%); Sep the lowest (-5.0%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026-9.5%Negative MonthJan 2026: -9.51%-10.3%Negative MonthFeb 2026: -10.31%-3.7%Negative MonthMar 2026: -3.65%+16.7%Positive MonthApr 2026: +16.70%+7.5%Positive MonthMay 2026: +7.51%-9.1%Negative MonthJun 2026: -9.08%-2.8%*Negative MonthJul 2026: -2.76%β€”β€”β€”β€”β€”
2025-17.9%Negative MonthJan 2025: -17.88%-15.2%Negative MonthFeb 2025: -15.17%+8.5%Positive MonthMar 2025: +8.48%+2.2%Positive MonthApr 2025: +2.16%+8.5%Positive MonthMay 2025: +8.45%+3.5%Positive MonthJun 2025: +3.47%-0.5%Neutral MonthJul 2025: -0.51%-2.2%Negative MonthAug 2025: -2.21%-4.0%Negative MonthSep 2025: -4.01%+5.0%Positive MonthOct 2025: +5.05%+1.8%Neutral MonthNov 2025: +1.75%+0.4%Neutral MonthDec 2025: +0.44%
2024+26.3%Positive MonthJan 2024: +26.29%+16.5%Positive MonthFeb 2024: +16.51%-3.8%Negative MonthMar 2024: -3.82%+12.6%Positive MonthApr 2024: +12.63%+2.4%Positive MonthMay 2024: +2.38%+7.7%Positive MonthJun 2024: +7.72%+4.0%Positive MonthJul 2024: +4.03%+21.8%Positive MonthAug 2024: +21.82%-8.6%Negative MonthSep 2024: -8.64%+5.0%Positive MonthOct 2024: +4.98%+11.7%Positive MonthNov 2024: +11.65%+11.0%Positive MonthDec 2024: +11.02%
2023-4.1%Negative MonthJan 2023: -4.09%+30.1%Positive MonthFeb 2023: +30.12%+14.4%Positive MonthMar 2023: +14.38%-6.0%Negative MonthApr 2023: -6.02%+0.9%Neutral MonthMay 2023: +0.88%+15.1%Positive MonthJun 2023: +15.11%+2.7%Positive MonthJul 2023: +2.65%+8.2%Positive MonthAug 2023: +8.21%-1.2%Neutral MonthSep 2023: -1.17%-8.4%Negative MonthOct 2023: -8.45%+18.7%Positive MonthNov 2023: +18.69%-4.5%Negative MonthDec 2023: -4.53%
2022-16.2%Negative MonthJan 2022: -16.22%-16.8%Negative MonthFeb 2022: -16.82%+4.7%Positive MonthMar 2022: +4.72%-3.6%Negative MonthApr 2022: -3.64%-0.9%Neutral MonthMay 2022: -0.88%-13.6%Negative MonthJun 2022: -13.57%-18.2%Negative MonthJul 2022: -18.18%+7.4%Positive MonthAug 2022: +7.36%-6.0%Negative MonthSep 2022: -6.02%-18.3%Negative MonthOct 2022: -18.28%+17.2%Positive MonthNov 2022: +17.18%-1.1%Neutral MonthDec 2022: -1.05%
2021β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”-21.8%Negative MonthDec 2021: -21.78%
AvgΒ±SD-4.3%Β±16.1%+0.9%Β±18.9%+4.0%Β±7.0%+4.4%Β±8.9%+3.7%Β±3.7%+0.7%Β±10.6%-3.0%Β±8.0%+8.8%Β±8.6%-5.0%Β±2.7%-4.2%Β±9.8%+12.3%Β±6.6%-3.2%Β±10.7%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 0.867x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή Crores)

Revenue (10Y)

Operating Income (10Y)

Net Profit (10Y)

Operating Margin % (10Y)

Dividend Payout % (10Y)

Free Cash Flow (10Y)

Growth Summary

Latest fiscal year: Mar 2025

Revenueβ‚Ή153.00 Crβ–² 39.1%
EBITDA Growthβ€”
Net Profitβ‚Ή13.00 Crβ–Ό 63.9%
Cash from Ops (CFO)β€”
Free Cash Flow (FCF)β€”β–² 56.7%
Revenue CAGR 5Y12.5%
EBITDA CAGR 5Y9.9%
Net Profit CAGR 5Y29.2%
NP Growth 1Y-63.9%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή153.00 Crβ€”β‚Ή13.00 Crβ€”β€”0.2%39.1%-63.9%
Mar 2024β‚Ή110.00 Crβ€”β‚Ή36.00 Crβ€”β€”0.5%-17.9%-148.6%
Mar 2023β‚Ή134.00 Crβ€”β‚Ή-74.00β€”β€”-1.0%30.1%-75.3%
Mar 2022β‚Ή103.00 Crβ€”β‚Ή-300.00β€”β€”-4.4%-16.3%-1678.9%
Mar 2021β‚Ή123.00 Crβ€”β‚Ή19.00 Crβ€”β€”0.6%101.6%90.0%
Mar 2020β‚Ή61.00 Crβ€”β‚Ή10.00 Crβ€”β€”0.5%22.0%-162.5%
Mar 2019β‚Ή50.00 Crβ€”β‚Ή-16.00β€”β€”-1.7%-36.7%-66.0%
Mar 2018β‚Ή79.00 Crβ€”β‚Ή-47.00β€”β€”-5.1%-24.8%-161.8%
Mar 2017β‚Ή105.00 Crβ€”β‚Ή76.00 Crβ€”β€”17.7%110.0%-196.2%
Mar 2016β‚Ή50.00 Crβ€”β‚Ή-79.00β€”β€”-22.8%β€”β€”

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue / Net Sales50105795061123103134110153175
Total Expenses1611061228989144513398314408414
EBIT / Operating Profit-111-1-43-39-28-20-409-264-204-254-238
OPM %-222%-1%-54%-79%-46%-16%-397%-197%-185%-166%-136%
Other Income345325345854114195252273249
Finance Costs00001211101
Depreciation & Amortisation21319444333
Profit Before Tax-8050-21-61927-300-7444156
Tax %0%-51%120%148%49%30%-0%0%18%10%-
Net Profit / PAT-7976-47-161019-300-7436136
EPS (β‚Ή)-22,080.5621,063.89-12,944.60-4,160.532,563.16833.04-6.67-1.650.800.290.14
Dividend Payout %0%0%0%0%0%0%0%0%0%0%-

Peer Comparison

Technology sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
PB Fintech Limitedthis co.β‚Ή75.81 K Crβ‚Ή153.00 Cr0.009.311567.2339.1%
Bharti Airtel Ltd.β‚Ή12.19 L Crβ‚Ή1.09 L Cr50.408.3127.1915.8%
Tata Consultancy Services Ltd.β‚Ή11.84 L Crβ‚Ή2.15 L Cr24.2013.9118.916.2%
Infosys Ltdβ‚Ή6.48 L Crβ‚Ή1.37 L Cr24.207.1716.315.9%
HCL Technologies Ltdβ‚Ή4.52 L Crβ‚Ή51.10 K Cr36.8014.48β€”6.2%
Bharat Electronics Ltd.β‚Ή3.02 L Crβ‚Ή23.66 K Cr53.3014.2351.3217.3%
Wipro Ltd.β‚Ή2.77 L Crβ‚Ή67.29 K Cr23.004.2918.850.8%
Industry Averageβ€”β‚Ή10.05 K Cr69.998.5866.7522.0%

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