PB Fintech Ltd.

₹1,629.8

-44.1 (-2.6%)

POLICYBZR Share Price

Financial Technology (Fintech)

As on January 27, 2026

SectorFinancial Services

IndustryFinancial Technology (Fintech)

Basic IndustryFinancial Technology (Fintech)

Market Cap₹ 74,521 Cr

P/E Ratio212.03

Dividend YieldN/A

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	1,668.24	Bearish
10-DMA	1,660.49	Bearish
20-DMA	1,719.97	Bearish
50-DMA	1,801.26	Bearish
100-DMA	1,780.7	Bearish
200-DMA	1,775.96	Bearish

Historical Performance

1 Year

-3.8%

3 Years

305.9%

5 Years

N/A

10 Years

N/A

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Sales	---	---	---	---	---
Operating Expenses	252	430	195	22	---
Other Income	4,077	3,806	2,590	1,254	708
Operating Profit	5,016	1,946	-4,024	-7,768	-889
Interest	340	267	216	138	117
Depreciation	1,213	887	638	428	414
Profit Before Tax	3,876	771	-4,880	-8,334	-1,419
Consolidated Net Profit	3,530	670	-4,872	-8,329	-1,502
Adjusted EPS	8	1	-11	-19	-13

Compounded Sales Growth

10 Years:129.9

5 Years:45.2

3 Years:28.4

TTM:7.7

Compounded Profit Growth

10 Years:13.9

5 Years:-16.6

3 Years:-31.9

TTM:39.4

Stock Price CAGR

10 Years:N/A

5 Years:N/A

3 Years:59.5

TTM:-0.9

Return on Equity

10 Years:-12.2

5 Years:-13.2

3 Years:-10.8

last year:7.7

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Share Capital	918	902	900	899	12
Total Reserves	58,230	47,742	45,813	48,560	18,356
Long-Term Borrowings	---	---	---	---	---
Total Non-Current Liabilities	3,749	2,616	2,183	1,741	1,263
Other Current Liabilities	3,202	2,608	2,166	1,187	1,027
Short Term Borrowings	---	---	---	---	---
Total Liabilities	75,640	67,412	62,540	59,231	23,390
Capital Work in Progress	---	---	---	---	---
Long Term Loans & Advances	6,089	3,673	1,555	956	684
Currents Investments	6,400	4,236	5,622	3,275	1,377
Short Term Loans and Advances	14,009	29,962	21,072	11,732	129
Total Current Assets	38,532	48,060	41,222	55,715	21,395
Total Assets	75,640	67,412	62,540	59,231	23,390
Adjusted Book Value	129	108	104	110	161

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a high PE of 212.03, indicating expensive valuation or elevated growth expectations.
Over the last three years, the stock delivered a strong 3-year price CAGR of 57.1%, indicating sustained price appreciation.
The stock carries a high beta of 1.6, implying higher volatility and elevated risk.
In the last financial year, the company reported an EBITDA of ₹5016 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹49772 million, indicating a large and established business.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 991362.5

No. of Shares: 608 (Approx)

Performance:-0.9%

P/L: ₹-8637.5

NIFTY Performance: 9.7%

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