Pb Fintech Ltd

POLICYBZR
IT - Software
โ‚น 1,784
Price
โ‚น 82,103
Market Cap
Large Cap
260.13
P/E Ratio

๐Ÿ“Š Score Snapshot

-51.83 / 25
Performance
15.19 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
-29.64 / 100
Avoid

๐Ÿข Company Overview

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๐Ÿค– CARL Insights

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๐Ÿ“ˆ Net Profit (Yearly)

๐Ÿ“Š Sales (Yearly)

๐Ÿ“‰ Quarterly Sales Trend

๐Ÿ“‰ Quarterly Net Profit

๐Ÿ“ˆ Yearly Ratios

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Adj Cash EBITDA 110.00 241.00 -536.00 -2,031 -77.00 -331.00 -301.00 -65.00
Adj Cash EBITDA Margin 2.43 6.97 -23.95 -164.85 -8.61 -45.84 -63.37 -23.05
Adj Cash EBITDA To EBITDA 0.22 1.25 1.33 2.62 0.66 1.08 0.90 1.33
Adj Cash EPS -0.02 2.54 -13.80 -46.52 - - - -
Adj Cash PAT -0.70 112.00 -622.00 -2,091 -81.42 -253.80 -278.99 -35.09
Adj Cash PAT To PAT - 1.75 1.27 2.50 0.68 1.10 0.89 1.84
Adj Cash PE - 516.68 - - - - - -
Adj EPS 8.50 1.48 -10.82 -18.58 - - - -
Adj EV To Cash EBITDA 607.91 232.46 - - - - - -
Adj EV To EBITDA 133.47 290.28 - - - - - -
Adj Number Of Shares 45.90 45.27 45.01 44.95 - - - -
Adj PE 196.77 904.20 - - - - - -
Adj Peg 0.41 - - - - - - -
Bvps 140.26 129.80 121.84 120.40 - - - -
Cash Conversion Cycle 73.00 69.00 97.00 92.00 71.00 85.00 97.00 105.00
Cash ROCE -0.31 2.71 -10.87 -53.75 -5.23 -38.28 -50.74 -
Cash Roic -12.05 -3.75 -30.05 -267.36 -66.63 -173.63 -257.47 -
Cash Revenue 4,524 3,458 2,238 1,232 894.00 722.00 475.00 282.00
Cash Revenue To Revenue 0.91 1.01 0.87 0.86 1.01 0.94 0.97 0.84
Dso 73.00 69.00 97.00 92.00 71.00 85.00 97.00 105.00
EV 66,870 56,024 27,591 28,821 - - - -
EV To EBITDA 145.37 290.28 - - - - - -
Fcfe 24.30 138.00 -635.00 -2,079 -45.42 -238.80 -283.99 -42.09
Fcfe Margin 0.54 3.99 -28.37 -168.75 -5.08 -33.07 -59.79 -14.93
Fcfe To Adj PAT 0.06 2.16 1.30 2.49 0.38 1.04 0.91 2.20
Fcff -391.47 -156.24 -872.00 -2,187 -136.26 -387.19 -348.87 -125.38
Fcff Margin -8.65 -4.52 -38.96 -177.52 -15.24 -53.63 -73.45 -44.46
Fcff To NOPAT 15.37 0.68 1.20 2.32 0.64 1.02 0.93 1.22
Market Cap 69,520 57,869 28,757 32,735 - - - -
PB 10.80 9.85 5.24 6.05 - - - -
PE 196.96 863.72 - - - - - -
Peg 0.47 - - - - - - -
PS 13.97 16.83 11.24 22.97 - - - -
ROCE 5.36 1.46 -8.26 -21.32 -9.54 -37.36 -54.84 -
ROE 6.34 1.13 -8.96 -22.56 -7.39 -26.17 -48.82 -
Roic -0.78 -5.52 -24.98 -115.28 -103.31 -169.59 -278.13 -
Share Price 1,515 1,278 638.90 728.25 - - - -

๐Ÿ“Š Quarterly Results

Metric Mar 2025 Dec 2024 Sep 2024 Jun 2024 Mar 2024 Dec 2023 Sep 2023 Jun 2023 Mar 2023 Dec 2022 Sep 2022 Jun 2022 Mar 2022 Dec 2021
Sales 1,508 1,292 1,167 1,010 1,090 871.00 812.00 666.00 869.00 610.00 573.00 505.00 540.00 367.00
Interest 9.00 9.00 9.00 6.00 7.00 6.00 7.00 6.00 6.00 6.00 6.00 4.00 4.00 3.00
Expenses - 1,395 1,264 1,175 1,050 1,085 898.00 901.00 743.00 937.00 744.00 800.00 740.00 795.00 685.00
Other Income - 101.00 100.00 106.00 100.00 98.00 94.00 97.00 91.00 82.00 69.00 61.00 47.00 51.00 34.00
Exceptional Items - - - 41.00 - - - - - - - - - -
Depreciation 33.00 34.00 29.00 25.00 24.00 23.00 22.00 20.00 17.00 18.00 16.00 13.00 12.00 11.00
Profit Before Tax 171.00 85.00 60.00 71.00 73.00 37.00 -21.00 -12.00 -9.00 -88.00 -187.00 -204.00 -220.00 -298.00
Tax % - 15.29 15.00 15.49 17.81 - - - - - - - - -
Net Profit - 171.00 72.00 51.00 60.00 60.00 37.00 -21.00 -12.00 -9.00 -88.00 -187.00 -204.00 -220.00 -298.00
Minority Share - - - - - 1.00 1.00 - - - - - - -
Exceptional Items At - - - 35.00 - - - - - - - - - -
Profit For PE 171.00 72.00 51.00 25.00 60.00 37.00 -20.00 -11.00 -9.00 -87.00 -187.00 -204.00 -220.00 -298.00
Profit For EPS 171.00 72.00 51.00 60.00 61.00 38.00 -20.00 -11.00 -9.00 -87.00 -187.00 -204.00 -220.00 -298.00
EPS In Rs 3.72 1.56 1.11 1.32 1.34 0.84 -0.45 -0.25 -0.20 -1.94 -4.15 -4.55 -4.89 -6.63
PAT Margin % 11.34 5.57 4.37 5.94 5.50 4.25 -2.59 -1.80 -1.04 -14.43 -32.64 -40.40 -40.74 -81.20
PBT Margin 11.34 6.58 5.14 7.03 6.70 4.25 -2.59 -1.80 -1.04 -14.43 -32.64 -40.40 -40.74 -81.20
Tax - 13.00 9.00 11.00 13.00 - - - - - - - - -
Yoy Profit Growth % 183.00 92.00 350.00 321.00 773.00 143.00 89.00 94.00 96.00 71.00 9.00 -84.00 -241.00 -1,421
Adj Ebit 181.00 94.00 69.00 35.00 79.00 44.00 -14.00 -6.00 -3.00 -83.00 -182.00 -201.00 -216.00 -295.00
Adj EBITDA 214.00 128.00 98.00 60.00 103.00 67.00 8.00 14.00 14.00 -65.00 -166.00 -188.00 -204.00 -284.00
Adj EBITDA Margin 14.19 9.91 8.40 5.94 9.45 7.69 0.99 2.10 1.61 -10.66 -28.97 -37.23 -37.78 -77.38
Adj Ebit Margin 12.00 7.28 5.91 3.47 7.25 5.05 -1.72 -0.90 -0.35 -13.61 -31.76 -39.80 -40.00 -80.38
Adj PAT 171.00 72.00 51.00 94.65 60.00 37.00 -21.00 -12.00 -9.00 -88.00 -187.00 -204.00 -220.00 -298.00
Adj PAT Margin 11.34 5.57 4.37 9.37 5.50 4.25 -2.59 -1.80 -1.04 -14.43 -32.64 -40.40 -40.74 -81.20
Ebit 181.00 94.00 69.00 -6.00 79.00 44.00 -14.00 -6.00 -3.00 -83.00 -182.00 -201.00 -216.00 -295.00
EBITDA 214.00 128.00 98.00 19.00 103.00 67.00 8.00 14.00 14.00 -65.00 -166.00 -188.00 -204.00 -284.00
EBITDA Margin 14.19 9.91 8.40 1.88 9.45 7.69 0.99 2.10 1.61 -10.66 -28.97 -37.23 -37.78 -77.38
Ebit Margin 12.00 7.28 5.91 -0.59 7.25 5.05 -1.72 -0.90 -0.35 -13.61 -31.76 -39.80 -40.00 -80.38
NOPAT 80.00 -5.08 -31.45 -54.93 -15.62 -50.00 -111.00 -97.00 -85.00 -152.00 -243.00 -248.00 -267.00 -329.00
NOPAT Margin 5.31 -0.39 -2.69 -5.44 -1.43 -5.74 -13.67 -14.56 -9.78 -24.92 -42.41 -49.11 -49.44 -89.65
Operating Profit 80.00 -6.00 -37.00 -65.00 -19.00 -50.00 -111.00 -97.00 -85.00 -152.00 -243.00 -248.00 -267.00 -329.00
Operating Profit Margin 5.31 -0.46 -3.17 -6.44 -1.74 -5.74 -13.67 -14.56 -9.78 -24.92 -42.41 -49.11 -49.44 -89.65

๐Ÿ’ฐ Profit & Loss

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018 Mar 2016 Mar 2015
Sales 4,977 3,438 2,558 1,425 887.00 771.00 492.00 334.00 90.00 78.00
Interest 34.00 27.00 22.00 14.00 12.00 12.00 8.00 - - -
Expenses - 4,884 3,626 3,219 2,325 1,046 1,091 828.00 386.00 232.00 149.00
Other Income - 408.00 381.00 259.00 125.00 43.00 13.00 2.00 3.00 20.00 7.00
Exceptional Items 41.00 - - -2.00 28.00 72.00 34.00 23.00 15.00 2.00
Depreciation 121.00 89.00 64.00 43.00 41.00 47.00 30.00 7.00 3.00 2.00
Profit Before Tax 388.00 77.00 -488.00 -833.00 -142.00 -295.00 -337.00 -34.00 -110.00 -64.00
Tax % 9.02 16.88 - - -5.63 -3.05 -2.97 -73.53 - -
Net Profit - 353.00 64.00 -488.00 -833.00 -150.00 -304.00 -347.00 -59.00 -110.00 -64.00
Minority Share - 3.00 1.00 - - - - - - -
Exceptional Items At 37.00 - - -2.00 28.00 72.00 33.00 23.00 15.00 2.00
Profit For PE 316.00 64.00 -487.00 -831.00 -178.00 -376.00 -380.00 -82.00 -126.00 -66.00
Profit For EPS 353.00 67.00 -487.00 -833.00 -150.00 -304.00 -347.00 -59.00 -110.00 -64.00
EPS In Rs 7.69 1.48 -10.82 -18.53 - - - - - -
PAT Margin % 7.09 1.86 -19.08 -58.46 -16.91 -39.43 -70.53 -17.66 -122.22 -82.05
PBT Margin 7.80 2.24 -19.08 -58.46 -16.01 -38.26 -68.50 -10.18 -122.22 -82.05
Tax 35.00 13.00 - - 8.00 9.00 10.00 25.00 - -
Adj Ebit 380.00 104.00 -466.00 -818.00 -157.00 -354.00 -364.00 -56.00 -125.00 -66.00
Adj EBITDA 501.00 193.00 -402.00 -775.00 -116.00 -307.00 -334.00 -49.00 -122.00 -64.00
Adj EBITDA Margin 10.07 5.61 -15.72 -54.39 -13.08 -39.82 -67.89 -14.67 -135.56 -82.05
Adj Ebit Margin 7.64 3.03 -18.22 -57.40 -17.70 -45.91 -73.98 -16.77 -138.89 -84.62
Adj PAT 390.30 64.00 -488.00 -835.00 -120.42 -229.80 -311.99 -19.09 -95.00 -62.00
Adj PAT Margin 7.84 1.86 -19.08 -58.60 -13.58 -29.81 -63.41 -5.72 -105.56 -79.49
Ebit 339.00 104.00 -466.00 -816.00 -185.00 -426.00 -398.00 -79.00 -140.00 -68.00
EBITDA 460.00 193.00 -402.00 -773.00 -144.00 -379.00 -368.00 -72.00 -137.00 -66.00
EBITDA Margin 9.24 5.61 -15.72 -54.25 -16.23 -49.16 -74.80 -21.56 -152.22 -84.62
Ebit Margin 6.81 3.03 -18.22 -57.26 -20.86 -55.25 -80.89 -23.65 -155.56 -87.18
NOPAT -25.47 -230.24 -725.00 -943.00 -211.26 -378.19 -376.87 -102.38 -145.00 -73.00
NOPAT Margin -0.51 -6.70 -28.34 -66.18 -23.82 -49.05 -76.60 -30.65 -161.11 -93.59
Operating Profit -28.00 -277.00 -725.00 -943.00 -200.00 -367.00 -366.00 -59.00 -145.00 -73.00
Operating Profit Margin -0.56 -8.06 -28.34 -66.18 -22.55 -47.60 -74.39 -17.66 -161.11 -93.59

๐Ÿฆ Balance Sheet

Metric Mar 2025 Sep 2024 Mar 2024 Sep 2023 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Accumulated Depreciation - - 226.85 - 160.55 115.72 87.36 58.76 37.07 10.67
Advance From Customers - - - - 1.00 - - - - -
Average Capital Employed 6,445 6,437 5,920 - 5,641 3,836 1,738 976.50 683.50 -
Average Invested Capital 3,249 4,628 4,168 - 2,902 818.00 204.50 223.00 135.50 -
Average Total Assets 7,129 6,790 6,492 - 6,084 4,123 1,954 1,164 815.50 -
Average Total Equity 6,157 5,880 5,680 - 5,448 3,702 1,629 878.04 639.04 -
Capital Employed 6,760 6,447 6,130 6,427 5,711 5,571 2,101 1,374 579.00 788.00
Cash Equivalents 793.00 318.00 735.00 538.00 763.00 3,700 1,810 1,106 267.00 48.00
Fixed Assets 418.00 422.00 359.00 370.00 313.00 205.00 125.00 147.00 119.00 11.00
Gross Block - - 585.47 - 473.84 320.62 212.12 206.08 155.95 21.43
Invested Capital 2,476 3,617 4,022 5,638 4,314 1,490 146.00 263.00 183.00 88.00
Investments 2,173 1,999 1,358 252.00 622.00 373.00 138.00 2.00 125.00 650.00
Lease Liabilities 322.00 335.00 253.00 - 227.00 159.00 109.00 108.00 - -
Loans N Advances 1,319 513.00 20.00 - 18.00 11.00 8.00 4.00 4.00 3.00
Net Debt -2,644 -1,982 -1,840 -527.00 -1,158 -3,914 -1,838 -998.00 -302.00 -697.00
Net Working Capital 2,058 3,195 3,663 5,268 4,001 1,285 21.00 116.00 64.00 77.00
Non Controlling Interest 6.00 6.00 5.00 - 8.00 - - - - -
Other Asset Items 1,827 3,099 3,606 4,639 3,860 1,266 77.00 138.00 105.00 73.00
Other Borrowings - - - - - - 1.00 1.00 90.00 1.00
Other Liability Items 402.00 336.00 298.00 - 236.00 146.00 128.00 84.00 61.00 45.00
Reserves 6,340 6,016 5,781 5,556 5,386 5,322 1,991 1,266 490.00 788.00
Share Capital 92.00 91.00 90.00 90.00 90.00 90.00 0.05 0.04 0.04 0.04
Short Term Loans And Advances - - 5.00 9.00 7.00 2.00 1.00 1.00 - -
Total Assets 7,529 7,153 6,729 6,427 6,254 5,915 2,331 1,576 751.00 880.00
Total Borrowings 322.00 335.00 253.00 263.00 227.00 159.00 110.00 110.00 90.00 1.00
Total Equity 6,438 6,113 5,876 5,646 5,484 5,412 1,991 1,266 490.04 788.04
Total Equity And Liabilities 7,529 7,153 6,729 6,427 6,254 5,915 2,331 1,576 751.00 880.00
Total Liabilities 1,091 1,040 853.00 781.00 770.00 503.00 339.95 309.96 260.96 91.96
Trade Payables 367.00 370.00 301.00 - 306.00 198.00 102.00 118.00 111.00 47.00
Trade Receivables 1,000 802.00 651.00 620.00 677.00 361.00 173.00 179.00 131.00 96.00

๐Ÿ’ต Cash Flows

Metric Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar 2018
Cash From Financing Activity -73.00 -57.00 -42.00 3,621 759.00 1,031 -23.00 513.00
Cash From Investing Activity 458.00 301.00 46.00 -2,125 -1,202 79.00 375.00 -434.00
Cash From Operating Activity -183.00 9.00 -299.00 -1,568 29.00 -364.00 -282.00 -83.00
Cash Paid For Investment In Subsidaries And Associates - - -13.00 - - - - -
Cash Paid For Loan Advances - -1.00 -13.00 - - -2.00 -4.00 -2.00
Cash Paid For Purchase Of Fixed Assets -97.00 -63.00 -66.00 -33.00 -6.00 -32.00 -35.00 -14.00
Cash Paid For Purchase Of Investments -4,640 -3,474 -1,546 -1,610 -2,110 -2,273 -125.00 -649.00
Cash Paid For Redemption And Cancellation Of Shares 78.00 - - - - - - -
Cash Received From Issue Of Shares 2.00 - - 3,645 781.00 1,059 - 513.00
Cash Received From Sale Of Fixed Assets 1.00 - 2.00 2.00 1.00 - - -
Cash Received From Sale Of Investments 3,896 2,773 1,346 1,374 1,998 2,465 684.00 227.00
Change In Other Working Capital Items 43.00 36.00 89.00 -1,159 47.00 20.00 -10.00 15.00
Change In Payables 19.00 -6.00 110.00 96.00 -15.00 7.00 64.00 22.00
Change In Receivables -453.00 20.00 -320.00 -193.00 7.00 -49.00 -17.00 -52.00
Change In Working Capital -391.00 48.00 -134.00 -1,256 39.00 -24.00 33.00 -16.00
Direct Taxes Paid -117.00 -199.00 -50.00 -24.00 48.00 -39.00 -35.00 -27.00
Interest Paid -33.00 -26.00 -21.00 -13.00 -12.00 -10.00 -7.00 -
Interest Received 420.00 195.00 220.00 101.00 35.00 9.00 1.00 1.00
Net Cash Flow 202.00 253.00 -295.00 -71.00 -415.00 746.00 69.00 -5.00
Other Cash Financing Items Paid -41.00 -31.00 -22.00 -10.00 -11.00 -18.00 -16.00 -
Other Cash Investing Items Paid 800.00 870.00 104.00 -1,960 -1,120 -90.00 -150.00 -
Other Cash Operating Items Paid - - - - - - - -24.00
Profit From Operations 325.00 159.00 -115.00 -288.00 -59.00 -301.00 -280.00 -16.00

๐Ÿงพ Shareholding Pattern

Nse Code Date Promoters Fii Dii Public Others
Policybzr 2025-03-31 - 45.93 22.95 30.85 0.28
Policybzr 2024-12-31 - 47.78 20.57 31.35 0.28
Policybzr 2024-09-30 - 49.70 18.31 31.44 0.54
Policybzr 2024-06-30 - 51.58 16.17 31.69 0.55
๐Ÿ’ฌ
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