PB Fintech Limited
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
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 29.2%
Concerns1
- Low return on equity of 0.5%
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ 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
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ153.00 Cr | β | βΉ13.00 Cr | β | β | 0.2% | 39.1% | -63.9% |
| Mar 2024 | βΉ110.00 Cr | β | βΉ36.00 Cr | β | β | 0.5% | -17.9% | -148.6% |
| Mar 2023 | βΉ134.00 Cr | β | βΉ-74.00 | β | β | -1.0% | 30.1% | -75.3% |
| Mar 2022 | βΉ103.00 Cr | β | βΉ-300.00 | β | β | -4.4% | -16.3% | -1678.9% |
| Mar 2021 | βΉ123.00 Cr | β | βΉ19.00 Cr | β | β | 0.6% | 101.6% | 90.0% |
| Mar 2020 | βΉ61.00 Cr | β | βΉ10.00 Cr | β | β | 0.5% | 22.0% | -162.5% |
| Mar 2019 | βΉ50.00 Cr | β | βΉ-16.00 | β | β | -1.7% | -36.7% | -66.0% |
| Mar 2018 | βΉ79.00 Cr | β | βΉ-47.00 | β | β | -5.1% | -24.8% | -161.8% |
| Mar 2017 | βΉ105.00 Cr | β | βΉ76.00 Cr | β | β | 17.7% | 110.0% | -196.2% |
| Mar 2016 | βΉ50.00 Cr | β | βΉ-79.00 | β | β | -22.8% | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue / Net Sales | 175 |
| Total Expenses | 414 |
| EBIT / Operating Profit | -238 |
| OPM % | -136% |
| Other Income | 249 |
| Finance Costs | 1 |
| Depreciation & Amortisation | 3 |
| Profit Before Tax | 6 |
| Tax % | - |
| Net Profit / PAT | 6 |
| EPS (βΉ) | 0.14 |
| Dividend Payout % | - |
Peer Comparison
Technology sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| PB Fintech Limitedthis co. | βΉ75.81 K Cr | βΉ153.00 Cr | 0.00 | 9.31 | 1567.23 | 39.1% |
| Bharti Airtel Ltd. | βΉ12.19 L Cr | βΉ1.09 L Cr | 50.40 | 8.31 | 27.19 | 15.8% |
| Tata Consultancy Services Ltd. | βΉ11.84 L Cr | βΉ2.15 L Cr | 24.20 | 13.91 | 18.91 | 6.2% |
| Infosys Ltd | βΉ6.48 L Cr | βΉ1.37 L Cr | 24.20 | 7.17 | 16.31 | 5.9% |
| HCL Technologies Ltd | βΉ4.52 L Cr | βΉ51.10 K Cr | 36.80 | 14.48 | β | 6.2% |
| Bharat Electronics Ltd. | βΉ3.02 L Cr | βΉ23.66 K Cr | 53.30 | 14.23 | 51.32 | 17.3% |
| Wipro Ltd. | βΉ2.77 L Cr | βΉ67.29 K Cr | 23.00 | 4.29 | 18.85 | 0.8% |
| Industry Average | β | βΉ10.05 K Cr | 69.99 | 8.58 | 66.75 | 22.0% |