PB Fintech Ltd.

NSE: POLICYBZR · Financial Services

₹967.00-0.51%06 Nov 2026

Ask the data

Instant answers about PB Fintech Ltd. — computed from its filings, no language model

Market cap₹44,748 cr

Current price₹967.00

High / Low₹1,957 / ₹928

P/E55.5

P/B5.76

Book value₹168.0

ROE10.4%

ROCE11.7%

Debt / equity0.00

Dividend yield—

EPS (TTM)₹17.41

Face value₹2

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY22	FY23	FY24	FY25	FY26
Revenue	1,425	2,558	3,438	4,977	6,794
EBITDA	-902	-662	-186	94	509
Operating margin	-63.3%	-25.9%	-5.4%	1.9%	7.5%
Interest	14	21	26	34	37
Depreciation	43	64	89	121	136
Profit before tax	-833	-488	79	387	709
Tax	-0	-0	13	34	37
Net profit	-833	-487	64	353	670
EPS ₹	20.34	-10.97	1.50	7.77	14.58
Operating cash flow	-1,568	-299	9	-183	41
Capex	33	66	63	97	80
Dividend paid	0	0	0	0	0
Total assets	5,915	6,254	6,729	7,529	8,707
Equity	5,412	5,476	5,871	6,432	7,312

Quarterly performance

last 19 quarters · ₹ crore

showing latest 8 of 19 periods

	MAR '22	JUN '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Revenue	540	505	573	610	869	666	812	871	1,090	1,010	1,167	1,292	1,508	1,348	1,614	1,771	2,061	1,888	2,178
Operating profit	-255	-234	-226	-133	-68	-77	-89	-26	5	-39	-8	28	113	34	98	159	218	139	166
Operating margin	-47.2%	-46.4%	-39.4%	-21.8%	-7.8%	-11.6%	-11.0%	-2.9%	0.5%	-3.9%	-0.7%	2.1%	7.5%	2.6%	6.1%	9.0%	10.6%	7.4%	7.6%
Other income	51	47	60	69	82	91	97	94	98	100	106	100	101	99	85	85	104	93	100
Interest	4	4	6	6	6	6	7	6	7	6	9	9	9	9	9	9	10	11	12
Depreciation	12	13	16	18	17	20	22	23	24	25	29	34	33	33	34	34	35	40	44
Profit before tax	-220	-204	-187	-87	-9	-12	-21	39	73	71	60	85	172	91	139	201	278	181	210
Tax	-0	-0	0	0	-0	0	-0	0	13	11	9	14	1	8	7	12	11	16	13
Net profit	-220	-204	-187	-87	-9	-11	-20	38	60	60	51	72	171	85	135	189	261	163	192
EPS ₹	-4.99	-4.62	-4.19	-1.96	-0.20	-0.26	-0.45	0.85	1.35	1.34	1.12	1.57	3.73	1.85	2.94	4.11	5.65	3.53	4.16
Revenue YoY	—	—	—	—	60.9%	31.8%	41.5%	42.7%	25.4%	51.8%	43.8%	48.3%	38.4%	33.4%	38.2%	37.1%	36.7%	40.1%	35.0%
Profit YoY	—	—	—	—	—	—	—	—	—	—	—	88.0%	183.5%	40.6%	166.2%	164.7%	53.0%	92.6%	42.7%

Earlier results (standalone, Dec '21 – Dec '21)

₹ crore · from BSE, before the NSE XBRL filings begin

PB Fintech Ltd. reports consolidated figures above. Quarterly consolidated results only became mandatory in India in 2019, so the earlier history available is the standalone company only (excluding subsidiaries). It is shown separately so the two bases are never mixed.

Quarters

	DEC '21†
Revenue	26
Operating profit	-144
Operating margin	-545.7%
Other income	31
Interest	0
Depreciation	1
Profit before tax	-121
Tax	0
Net profit	-121
EPS ₹	-2.83

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 16 periods

	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
ROE	-13.0%	-8.9%	-5.4%	-2.3%	-0.0%	1.1%	2.4%	3.4%	4.0%	5.5%	5.9%	6.8%	8.6%	9.2%	10.2%	10.4%
ROCE	-12.6%	-8.5%	-5.0%	-1.9%	0.4%	1.8%	3.2%	4.4%	5.2%	6.5%	6.9%	7.7%	9.4%	10.2%	11.5%	11.7%
Net margin	-31.3%	-19.0%	-10.8%	-4.3%	-0.1%	1.9%	3.7%	5.1%	5.3%	7.1%	7.1%	8.0%	9.3%	9.9%	10.2%	10.2%
EBITDA margin	-38.1%	-25.9%	-18.6%	-12.4%	-8.1%	-5.4%	-3.9%	-1.6%	-0.3%	1.9%	3.1%	4.7%	6.5%	7.5%	8.4%	8.6%
Debt / equity	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest coverage	-35.59	-21.84	-11.55	-4.15	0.86	3.99	7.08	9.55	10.26	12.45	12.25	14.35	17.51	20.11	21.25	21.76
Asset turnover	0.37	0.41	0.43	0.46	0.50	0.51	0.56	0.58	0.64	0.66	0.71	0.73	0.79	0.78	0.84	0.84

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 11 periods

	MAR '21‡	MAR '22‡	SEP '22	MAR '23	SEP '23	MAR '24	SEP '24	MAR '25	SEP '25	MAR '26	SEP '26
Share capital	0	90	90	90	90	90	91	92	92	93	93
Other equity / reserves	1,990	5,322	5,284	5,386	5,556	5,781	6,016	6,340	6,683	7,219	7,682
Total equity	1,991	5,412	5,374	5,476	5,646	5,871	6,107	6,432	6,775	7,312	7,775
Borrowings	—	—	0	0	0	0	0	0	0	0	0
Current liabilities	221	337	358	551	521	603	715	751	817	992	1,136
Non-current liabilities	118	166	222	218	253	249	326	340	347	397	458
Total assets	2,331	5,915	5,963	6,254	6,427	6,729	7,153	7,529	7,939	8,707	9,375
Property, plant & equipment	23	36	57	270	326	315	415	411	405	430	555
Capital work-in-progress	—	—	0	—	—	—	0	—	0	0	—
Investments	138	373	867	622	252	1,358	1,999	2,173	3,141	3,211	3,348
Inventories	—	—	0	0	0	0	0	0	0	0	0
Receivables	173	361	410	677	620	651	802	1,115	1,362	1,968	2,409
Cash & equivalents	439	367	420	72	92	325	199	561	244	746	390

Cash flow

annual · ₹ crore · line = free cash flow

showing latest 5 of 6 periods

	FY21‡	FY22	FY23	FY24	FY25	FY26
Cash from operations	29	-1,568	-299	9	-183	41
Cash from investing	-1,202	-2,127	41	301	458	214
Cash from financing	759	3,621	-43	-57	-73	-81
Capex	6	33	66	63	97	80
Free cash flow	23	-1,601	-365	-55	-280	-38
Dividends paid	—	0	0	0	0	0

Where the assets sit

Sep '26 · ₹ crore

Fixed assets (PPE)

₹555 cr6%

Investments

₹3,348 cr36%

Receivables

₹2,409 cr26%

Cash & equivalents

₹390 cr4%

Other assets

₹2,673 cr29%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
PB Fintech Ltd.	44,748	967.00	55.5	5.76	10.4%

StoxGud checklist: Bearish setup · 3/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month-7.0%

6 months-42.6%

1 year-43.9%

3Y CAGR+10.1%

5Y CAGR-4.3%

10Y CAGR—

50-day avg₹1,345.01

200-day avg₹1,532.33

RSI (14)34

Compare PB Fintech Ltd. with

Authum Investment & Infrastructure vs PB Fintech 360 ONE WAM vs PB Fintech Sundaram Finance vs PB Fintech PB Fintech vs HDB Financial Services PB Fintech vs Max Financial Services PB Fintech vs Poonawalla Fincorp

FAQs

What is the share price of PB Fintech Ltd.?

PB Fintech Ltd. (POLICYBZR) closed at ₹967.00 on NSE on 06 Nov 2026.

What is the market cap of PB Fintech Ltd.?

₹44,748 crore at the latest close.

What is the P/E ratio of PB Fintech Ltd.?

55.5, on trailing-twelve-month earnings from its filings.

How fast is PB Fintech Ltd. growing?

PB Fintech Ltd.: revenue has compounded at 38.5% a year over three years. Latest-quarter revenue is up 35.0% year on year, profit up 42.7%.

How profitable is PB Fintech Ltd.?

On a trailing-twelve-month basis return on equity is 10.4%, return on capital employed 11.7%, operating margin 8.6%, net margin 10.2%.

How much debt does PB Fintech Ltd. have?

PB Fintech Ltd. is debt-free: debt to equity is 0.00 with borrowings of ₹0 cr against cash of ₹390 cr (balance sheet of 2026-09-30). Operating profit covers interest 21.8 times.

Financials parsed from PB Fintech Ltd.'s own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from MAR '22, annual from FY22, balance sheet from Mar '21. * = derived (full year or half year minus earlier quarters). ‡ = balance sheet / cash flow read from the company's published annual report (same basis), for years before the NSE filings carry them; each one checked to add up. Information only, not investment advice.