PB Fintech Ltd’s fundamental analysis highlights key financial metrics: Market Cap of ₹74,943.87 crore, PE Ratio of 619, Debt to Equity of 4.13, and Return on Equity of -8.94%. These indicators reflect the company’s financial health and market valuation.
Content:
- PB Fintech Limited Overview
- PB Fintech Ltd Financial Results
- PB Fintech Ltd Financial Analysis
- PB Fintech Limited Company Metrics
- PB Fintech Ltd Stock Performance
- PB Fintech Peer Comparison
- PB Fintech Shareholding Pattern
- PB Fintech Ltd History
- How To Invest In PB Fintech Share?
- PB Fintech Fundamental Analysis – FAQs
PB Fintech Limited Overview
PB Fintech Ltd is an Indian company providing online platforms for insurance and lending products. It operates in the fintech sector, offering digital marketplaces for insurance (Policybazaar) and personal credit products (Paisabazaar).
The company is listed on both the NSE and BSE. With a market capitalization of ₹74,943.87 crore, it’s currently 3.48% away from its 52-week high and 149.89% away from its 52-week low.
PB Fintech Ltd Financial Results
PB Fintech Ltd showed improvements in FY 24, with sales increasing to ₹3,438 crores from ₹2,558 crores in FY 23. Operating losses narrowed, while EBITDA turned positive at ₹194 crores. Net profit reached ₹64 crores, with an EPS of ₹1, marking a recovery from previous losses.
1. Revenue Trend: Sales grew from ₹2,558 crores in FY 23 to ₹3,438 crores in FY 24, demonstrating a positive revenue trend.
2. Equity and Liabilities: Equity performance improved, with net profit rising to ₹64 crores in FY 24 from a loss of ₹488 crores in FY 23.
3. Profitability: Operating Profit losses narrowed to ₹-186 crores in FY 24, compared to ₹-662 crores in FY 23, reflecting improved profitability.
4. Earnings per Share (EPS): EPS improved to ₹1 in FY 24, recovering from the previous year’s loss of ₹-11.
5. Return on Net Worth (RoNW): A positive profit of ₹64 crores in FY 24 contributed to a modest RoNW improvement compared to negative figures in FY 23.
6. Financial Position: The company’s financial position stabilized, with EBITDA turning positive at ₹194 crores in FY 24 from ₹-403 crores in FY 23.
PB Fintech Ltd Financial Analysis
| FY 24 | FY 23 | FY 22 | |
| Sales | 3,438 | 2,558 | 1,425 |
| Expenses | 3,624 | 3,219 | 2,327 |
| Operating Profit | -186 | -662 | -902 |
| OPM % | -4.88 | -23.49 | -58.2 |
| Other Income | 381 | 259 | 125 |
| EBITDA | 194 | -403 | -777 |
| Interest | 26 | 21 | 14 |
| Depreciation | 89 | 64 | 43 |
| Profit Before Tax | 79 | -488 | -833 |
| Tax % | 16.05 | 0 | 0.06 |
| Net Profit | 64 | -488 | -833 |
| EPS | 1 | -11 | -19 |
* Consolidated Figures in Rs. Crores
PB Fintech Limited Company Metrics
PB Fintech Ltd’s company metrics include a market capitalization of ₹74,943.87 crore, a book value per share of ₹130, and a face value of ₹2. With a debt-to-equity ratio of 4.13, a return on equity of -8.94%, and no dividend yield, these figures underscore the company’s financial position and investment profile.
Market Capitalization:
Market Capitalization represents the total market value of PB Fintech’s outstanding shares, amounting to ₹74,943.87 crore.
Book Value:
The book value per share of PB Fintech is ₹130, indicating the value of the company’s net assets divided by its shares outstanding.
Face Value:
The face value of PB Fintech’s shares is ₹2, which is the original cost of the shares as stated on the certificate.
Asset Turnover Ratio:
The asset turnover ratio of 0.63 measures how efficiently PB Fintech uses its assets to generate revenue.
Total Debt:
The total debt of ₹226.59 crore represents the sum of all short-term and long-term debt obligations of PB Fintech.
Return on Equity (ROE):
The ROE of -8.94% indicates that PB Fintech is currently experiencing losses relative to its equity investments.
EBITDA (Q):
The quarterly EBITDA of ₹102.19 crore represents PB Fintech’s earnings before interest, taxes, depreciation, and amortization.
Dividend Yield:
The dividend yield is 0%, indicating that PB Fintech currently does not pay dividends to its shareholders.
PB Fintech Ltd Stock Performance
PB Fintech Ltd delivered a strong return on investment of 145% over the past year. This substantial growth reflects the company’s improving financial performance and potential for future gains, making it an attractive option for investors seeking high returns.
| Period | Return on Investment (%) |
| 1 Year | 145 |
Example: If an investor had invested ₹1,000 in PB Fintech Ltd’s stock:
1 year ago, their investment would be worth ₹2,450.
PB Fintech Peer Comparison
PB Fintech Ltd has a market cap of ₹85,634.74 crores and shows a remarkable 145.27% 1-year return, though its P/E ratio is extremely high at 619.44. In comparison, Oracle Financial Services boasts a lower P/E of 41.05 and a higher ROE of 28.98%, while Tata Elxsi and Coforge provide moderate returns with strong financials. KPIT Technologies and Cyient exhibit solid growth with more manageable valuations.
| Name | CMP Rs. | Mar Cap Rs.Cr. | P/E | ROE % | EPS 12M Rs. | 1Yr return % | ROCE % | Div Yld % |
| Oracle Fin.Serv. | 11043.95 | 95860.99 | 41.05 | 28.98 | 269.46 | 161.65 | 39.54 | 2.17 |
| PB Fintech. | 1877.45 | 85634.74 | 619.44 | 1.13 | 3.06 | 145.27 | 1.75 | 0 |
| Tata Elxsi | 7523.15 | 46839.78 | 59.47 | 34.47 | 126.48 | 3.03 | 42.74 | 0.93 |
| Coforge | 6915.6 | 46132.83 | 60.14 | 24.09 | 124.11 | 27.64 | 28.6 | 1.1 |
| KPIT Technologies. | 1676.45 | 45965.49 | 69.38 | 31.19 | 24.25 | 48.52 | 38.36 | 0.4 |
| Tata Technologies. | 1060.75 | 43081.81 | 66.29 | 21.88 | 16.02 | 0 | 28.29 | 0.79 |
| Cyient | 2048.45 | 22798.56 | 32.66 | 18.84 | 59.42 | 26.89 | 21.88 | 1.46 |
PB Fintech Shareholding Pattern
PB Fintech Ltd witnessed significant changes in shareholding patterns. As of June 2024, Foreign Institutional Investors (FII) held 51.58%, an increase from 48.97% in March 2024 and 40.58% in December 2023. Domestic Institutional Investors (DII) decreased to 16.26%, while retail investors held 32.15%.
| All values in % | Jun-24 | Mar-24 | Dec-23 |
| FII | 51.58 | 48.97 | 40.58 |
| DII | 16.26 | 16.75 | 24.47 |
| Retail & others | 32.15 | 34.29 | 34.96 |
PB Fintech Ltd History
PB Fintech Limited is an innovative Indian company that leverages technology, data, and innovation to provide online platforms for insurance and lending products. The company’s primary focus is on offering digital marketplaces that connect consumers with insurance and lending partners, streamlining the process of purchasing financial products.
The company operates two main platforms: Policybazaar and Paisabazaar. Policybazaar is an online platform dedicated to the insurance market, allowing consumers to compare and purchase various insurance products. Paisabazaar, on the other hand, serves as an independent digital lending platform, enabling users to compare, choose, and apply for personal credit products.
PB Fintech’s platforms cater to a diverse range of consumers with varying needs, credit profiles, demographics, and income levels. The company’s consumer-centric approach aims to simplify the process of researching and purchasing insurance and lending products online, making financial services more accessible to a broader audience.
How To Invest In PB Fintech Share?
To invest in PB Fintech shares, open a demat account with Alice Blue. Research the company’s fundamentals, financial performance, and position in the fintech sector. Analyze historical stock data and compare it with industry peers.
Determine your investment strategy based on your financial goals and risk tolerance. Consider factors such as the company’s user growth, revenue trends, and the evolving regulatory landscape for fintech firms. Decide on the investment amount and timing.
Place your order through the broker’s platform. Regularly monitor your investment, staying updated on company news, quarterly results, and fintech industry trends. Consider seeking advice from a financial advisor for personalized guidance and to ensure your investment aligns with your overall portfolio strategy.
PB Fintech Fundamental Analysis – FAQs
PB Fintech Ltd’s fundamental analysis reveals a Market Cap of ₹74,943.87 crore, PE Ratio of 619, Debt to Equity of 4.13, and Return on Equity of -8.94%. These metrics provide insights into the company’s financial health, current challenges, and market valuation.
PB Fintech’s market capitalization is ₹74,943.87 crore. This figure represents the total value of the company’s outstanding shares in the stock market, calculated by multiplying the current stock price by the number of outstanding shares.
PB Fintech Limited is an Indian fintech company that operates online platforms for insurance and lending products. It owns Policybazaar, an insurance marketplace, and Paisabazaar, a digital lending platform, providing consumers with easy access to financial products.
PB Fintech is owned by its shareholders, with founders Yashish Dahiya and Alok Bansal holding significant stakes. As a publicly listed company, ownership is distributed among various institutional and individual investors through stock market participation.
The main shareholders of PB Fintech Ltd include the founders, along with institutional investors and public shareholders. For the most current and accurate information on major shareholders, refer to the company’s latest shareholding pattern disclosure.
PB Fintech operates in the financial technology (fintech) industry. The company specializes in digital platforms for insurance and lending products, leveraging technology to connect consumers with financial service providers in the insurance and personal credit markets.
To invest in PB Fintech shares, open a demat account with Alice Blue. Research the company’s performance and fintech sector trends. Decide on your investment strategy. Place your order through the broker’s platform. Regularly monitor your investment, staying informed about market conditions. Consider seeking financial advice for personalized guidance.
Determining if PB Fintech is overvalued or undervalued requires analyzing its financials, growth prospects, industry position, and peer comparison. Consider factors like user growth, revenue trends, and fintech sector potential. Consult recent analyst reports for expert opinions on the company’s valuation.
Disclaimer: The above article is written for educational purposes, and the companies’ data mentioned in the article may change with respect to time. The securities quoted are exemplary and are not recommendatory.
