PB Fintech Ltd.

₹1,800

-26 (-1.4%)

POLICYBZR Share Price

Financial Technology (Fintech)

As on September 9, 2026

SectorFinancial Services

IndustryFinancial Technology (Fintech)

Basic IndustryFinancial Technology (Fintech)

Market Cap₹ 83,168 Cr

P/E Ratio124.32

Dividend YieldN/A

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	1,824.8	Bearish
10-DMA	1,832.95	Bearish
20-DMA	1,803.49	Bearish
50-DMA	1,680.58	Bullish
100-DMA	1,667.11	Bullish
200-DMA	1,652.86	Bullish

Historical Performance

1 Year

-0.4%

3 Years

125.2%

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-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022
Sales	---	---	---	---	---
Operating Expenses	16	252	430	195	22
Other Income	3,724	4,078	3,806	2,590	1,254
Operating Profit	8,822	5,007	1,946	-4,024	-7,768
Interest	376	340	267	216	138
Depreciation	1,360	1,213	887	638	428
Profit Before Tax	7,074	3,867	771	-4,880	-8,334
Consolidated Net Profit	6,699	3,521	670	-4,872	-8,329
Adjusted EPS	14	8	1	-11	-19

Compounded Sales Growth

10 Years:137.4

5 Years:50.3

3 Years:21.6

TTM:6.4

Compounded Profit Growth

10 Years:16.1

5 Years:9.1

3 Years:-13.8

TTM:13.7

Stock Price CAGR

10 Years:N/A

5 Years:N/A

3 Years:31.1

TTM:-1.6

Return on Equity

10 Years:0.8

5 Years:-18.5

3 Years:1.5

last year:14.5

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-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022
Share Capital	925	918	902	900	899
Total Reserves	67,415	58,232	47,742	45,813	48,560
Long-Term Borrowings	---	---	---	---	---
Total Non-Current Liabilities	4,349	3,749	2,616	2,183	1,741
Other Current Liabilities	4,524	3,320	2,608	2,166	1,187
Short Term Borrowings	---	---	---	---	---
Total Liabilities	87,444	75,651	67,412	62,540	59,231
Capital Work in Progress	---	---	---	---	---
Long Term Loans & Advances	7,687	6,089	3,673	1,555	956
Currents Investments	13,558	6,400	4,236	5,622	3,275
Short Term Loans and Advances	5,038	14,020	29,962	21,072	11,732
Total Current Assets	43,760	38,543	48,060	41,222	55,715
Total Assets	87,444	75,651	67,412	62,540	59,231
Adjusted Book Value	148	129	108	104	110

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a high PE of 124.32, indicating expensive valuation or elevated growth expectations.
Over the last three years, the stock delivered a strong 3-year price CAGR of 31.2%, indicating sustained price appreciation.
The stock carries a low beta of 0.7, suggesting lower volatility than the broader market.
In the last financial year, the company reported an EBITDA of ₹8822 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹67940 million, indicating a large and established business.

Investment Calculator

Investment Amount:₹

Investment Amount: ₹ 1000000

Current Value: ₹ 983929.2

No. of Shares: 547 (Approx)

Performance:-1.6%

-16070.8

NIFTY Performance: -6.2%

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