IIRM Holdings India [IIRM] vs Pb Fintech [POLICYBZR] Detailed Stock Comparison

IIRM Holdings India Ltd.

BSE
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Pb Fintech Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: IIRM Holdings India Ltd. wins in 12 metrics, Pb Fintech Ltd. wins in 6 metrics, with 0 ties. IIRM Holdings India Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric IIRM Holdings India Ltd. Pb Fintech Ltd. Better
P/E Ratio (TTM) 30.31 130.06 IIRM Holdings India Ltd.
Price-to-Book Ratio 4.08 11.02 IIRM Holdings India Ltd.
Debt-to-Equity Ratio 32.18 4.86 Pb Fintech Ltd.
PEG Ratio 0.57 0.49 Pb Fintech Ltd.
EV/EBITDA 15.87 211.98 IIRM Holdings India Ltd.
Profit Margin (TTM) 8.04% 9.29% Pb Fintech Ltd.
Operating Margin (TTM) 13.56% 7.06% IIRM Holdings India Ltd.
EBITDA Margin (TTM) 13.56% 7.06% IIRM Holdings India Ltd.
Return on Equity 16.27% 5.48% IIRM Holdings India Ltd.
Return on Assets (TTM) 11.66% 4.69% IIRM Holdings India Ltd.
Free Cash Flow (TTM) $-259.17M $-2.80B IIRM Holdings India Ltd.
1-Year Return 37.33% -3.35% IIRM Holdings India Ltd.
Price-to-Sales Ratio (TTM) 2.43 12.07 IIRM Holdings India Ltd.
Enterprise Value $5.94B $730.31B Pb Fintech Ltd.
EV/Revenue Ratio 2.44 11.70 IIRM Holdings India Ltd.
Gross Profit Margin (TTM) N/A 65.75% N/A
Revenue per Share (TTM) $36 $136 Pb Fintech Ltd.
Earnings per Share (Diluted) $2.87 $12.50 Pb Fintech Ltd.
Beta (Stock Volatility) 0.09 0.27 IIRM Holdings India Ltd.

IIRM Holdings India Ltd. vs Pb Fintech Ltd. Stock Performance Analysis

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IIRM
POLICYBZR

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
IIRM Holdings India Ltd.-1.50%-7.04%20.15%35.17%49.86%21.90%
Pb Fintech Ltd.-4.00%-8.09%-1.59%11.93%-11.90%-8.95%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
IIRM Holdings India Ltd.37.33%390.96%390.96%390.96%390.96%390.96%
Pb Fintech Ltd.-3.35%186.59%27.78%27.78%27.78%27.78%

Performance & Financial Health Analysis: IIRM Holdings India Ltd. vs Pb Fintech Ltd.

MetricIIRMPOLICYBZR
Market Information
Market Cap i₹5.95B₹773.91B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i97,0121,956,244
90 Day Avg. Volume i38,0791,631,842
Last Close₹108.35₹1,578.50
52 Week Range₹68.00 - ₹128.99₹1,364.00 - ₹1,978.00
% from 52W High-16.00%-20.20%
All-Time High₹171.95 (Oct 21, 2024)₹2,246.90 (Dec 30, 2024)
% from All-Time High-36.99%-29.75%
Growth Metrics
Quarterly Revenue Growth0.21%0.37%
Quarterly Earnings Growth0.54%1.65%
Financial Health
Profit Margin (TTM) i0.08%0.09%
Operating Margin (TTM) i0.14%0.07%
Return on Equity (TTM) i0.16%0.05%
Debt to Equity (MRQ) i32.184.86
Cash & Liquidity
Book Value per Share (MRQ)₹21.31₹147.57
Cash per Share (MRQ)₹1.00₹45.52
Operating Cash Flow (TTM) i₹91.77M₹-2,328,300,000
Levered Free Cash Flow (TTM) i₹216.31M₹3.53B
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend iN/AN/A

Valuation & Enterprise Metrics Analysis: IIRM Holdings India Ltd. vs Pb Fintech Ltd.

MetricIIRM (Apr 24, 2026)POLICYBZR (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i30.31130.06
Forward P/E iN/A67.92
PEG Ratio i0.570.49
Price to Sales (TTM) i2.4312.07
Price to Book (MRQ) i4.0811.02
Market Capitalization
Market Capitalization i₹5.95B₹773.91B
Enterprise Value i₹5.94B₹730.31B
Enterprise Value Metrics
Enterprise to Revenue i2.4411.70
Enterprise to EBITDA i15.87211.98
Risk & Other Metrics
Beta i0.090.27
Book Value per Share (MRQ) i₹21.31₹147.57

Financial Statements Comparison: IIRM Holdings India Ltd. vs Pb Fintech Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricIIRM (2025)POLICYBZR (2025)
Revenue/Sales i2.19B49.77B
Cost of Goods Sold i1.34B29.44B
COGS % of Revenue i61.0%59.1%
Gross Profit i854.99M20.34B
Gross Margin i39.0%40.9%
Research & Development iN/AN/A
Operating Income (EBIT) i327.85M-150.90M
Operating Margin i14.9%-0.3%
EBITDA i469.61M4.48B
EBITDA Margin i21.4%9.0%
Pre-Tax Income i305.54M3.88B
Pre-Tax Income % of Revenue i13.9%7.8%
Income Tax i89.23M344.60M
Income Tax % of Revenue i4.1%0.7%
Net Income (Profit) i216.31M3.53B
Profit Margin i9.9%7.1%

Balance Sheet & Liquidity Metrics

MetricIIRM (2025)POLICYBZR (2025)
Cash & Equivalents i62.01M5.61B
Total Current Assets i1.13B38.53B
Total Current Assets % of Revenue i51.5%77.4%
Total Current Liabilities i347.19M7.51B
Total Current Liabilities % of Revenue i15.8%15.1%
Long-Term Debt i143.36M2.76B
Long-Term Debt % of Revenue i6.5%5.5%
Total Shareholders Equity i1.33B64.38B
Retained Earnings i340.11M-19.94B
Retained Earnings % of Revenue i15.5%-40.1%
Property, Plant & Equipment i937,0004.11B

Cash Flow Statement Comparison

MetricIIRM (2025)POLICYBZR (2025)
Operating Cash Flow i91.77M-2.33B
Operating Cash Flow % of Revenue i4.2%-4.7%
Capital Expenditures i-145.49M-964.80M
Free Cash Flow i-259.17M-2.80B
FCF Margin i-11.8%-5.6%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricIIRMPOLICYBZR
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i68.14M462.02M
Float Shares i15.84M342.56M
% Held by Insiders i69.86%26.05%
% Held by Institutions i0.00%53.62%
% Held by Public i30.14%20.33%

Dividend Analysis & Yield Comparison: IIRM Holdings India Ltd. vs Pb Fintech Ltd.

MetricIIRMPOLICYBZR
Last 12-Month Dividend iN/AN/A
Last 12-Month Dividend Yield iN/AN/A
3-Year Avg Annual Dividend iN/AN/A
3-Year Avg Dividend Yield iN/AN/A
3-Year Total Dividends iN/AN/A
Ex-Dividend DateN/AN/A