Pb Fintech [POLICYBZR] vs IIRM Holdings India [IIRM] Detailed Stock Comparison
Pb Fintech
NSE
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IIRM Holdings India
BSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Pb Fintech wins in 5 metrics, IIRM Holdings India wins in 13 metrics, with 0 ties. IIRM Holdings India appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Pb Fintech | IIRM Holdings India | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 208.39 | 27.69 | IIRM Holdings India |
| Price-to-Book Ratio | 12.09 | 4.71 | IIRM Holdings India |
| Debt-to-Equity Ratio | 5.01 | 22.25 | Pb Fintech |
| PEG Ratio | 5.48 | -1.75 | IIRM Holdings India |
| EV/EBITDA | 420.41 | 13.48 | IIRM Holdings India |
| Profit Margin (TTM) | 7.10% | 9.12% | IIRM Holdings India |
| Operating Margin (TTM) | 0.07% | 16.94% | IIRM Holdings India |
| EBITDA Margin (TTM) | 0.07% | 16.94% | IIRM Holdings India |
| Return on Equity | 5.48% | 16.27% | IIRM Holdings India |
| Return on Assets (TTM) | 4.69% | 11.66% | IIRM Holdings India |
| Free Cash Flow (TTM) | $-2.80B | $-259.17M | IIRM Holdings India |
| 1-Year Return | 5.27% | -42.92% | Pb Fintech |
| Price-to-Sales Ratio (TTM) | 14.66 | 2.52 | IIRM Holdings India |
| Enterprise Value | $753.16B | $5.83B | Pb Fintech |
| EV/Revenue Ratio | 14.17 | 2.63 | IIRM Holdings India |
| Gross Profit Margin (TTM) | 58.47% | N/A | N/A |
| Revenue per Share (TTM) | $116 | $32 | Pb Fintech |
| Earnings per Share (Diluted) | $8.16 | $2.96 | Pb Fintech |
| Beta (Stock Volatility) | 0.42 | -0.18 | IIRM Holdings India |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Pb Fintech vs IIRM Holdings India Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Pb Fintech | 1.46% | 2.31% | -3.41% | -5.45% | 19.35% | -18.58% |
| IIRM Holdings India | -3.28% | -2.14% | -5.91% | 8.00% | -1.85% | -34.28% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Pb Fintech | 5.27% | 290.01% | 29.50% | 29.50% | 29.50% | 29.50% |
| IIRM Holdings India | -42.92% | 246.26% | 246.26% | 246.26% | 246.26% | 246.26% |
News Based Sentiment: Pb Fintech vs IIRM Holdings India
Pb Fintech
News based Sentiment: MIXED
October was a pivotal month for PB Fintech, marked by a surprisingly large commission reduction and broader industry changes. While these moves position the company for potential long-term gains, they also introduce short-term revenue risks and highlight ongoing profitability challenges, creating a mixed investment narrative.
IIRM Holdings India
News based Sentiment: MIXED
The month featured a mixed bag of financial results – revenue up, operating profit down, net profit significantly up – alongside announcements of an acquisition update and a management change. These developments indicate a period of transition and require investors to carefully assess both the opportunities and risks.
Performance & Financial Health Analysis: Pb Fintech vs IIRM Holdings India
| Metric | POLICYBZR | IIRM |
|---|---|---|
| Market Information | ||
| Market Cap | ₹780.19B | ₹5.69B |
| Market Cap Category | Large cap | Small cap |
| 10 Day Avg. Volume | 1,712,395 | 13,119 |
| 90 Day Avg. Volume | 1,251,008 | 8,971 |
| Last Close | ₹1,725.40 | ₹79.26 |
| 52 Week Range | ₹1,311.35 - ₹2,246.90 | ₹69.74 - ₹130.65 |
| % from 52W High | -23.21% | -39.33% |
| All-Time High | ₹2,246.90 (Dec 30, 2024) | ₹171.95 (Oct 21, 2024) |
| % from All-Time High | -23.21% | -53.91% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.33% | 0.03% |
| Quarterly Earnings Growth | 0.41% | -0.16% |
| Financial Health | ||
| Profit Margin (TTM) | 0.07% | 0.09% |
| Operating Margin (TTM) | 0.00% | 0.17% |
| Return on Equity (TTM) | 0.05% | 0.16% |
| Debt to Equity (MRQ) | 5.01 | 22.25 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹140.62 | ₹17.41 |
| Cash per Share (MRQ) | ₹60.49 | ₹0.91 |
| Operating Cash Flow (TTM) | ₹-2,328,300,000 | ₹91.77M |
| Levered Free Cash Flow (TTM) | ₹3.53B | ₹216.31M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | N/A | N/A |
Valuation & Enterprise Metrics Analysis: Pb Fintech vs IIRM Holdings India
| Metric | POLICYBZR | IIRM |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 208.39 | 27.69 |
| Forward P/E | 66.26 | N/A |
| PEG Ratio | 5.48 | -1.75 |
| Price to Sales (TTM) | 14.66 | 2.52 |
| Price to Book (MRQ) | 12.09 | 4.71 |
| Market Capitalization | ||
| Market Capitalization | ₹780.19B | ₹5.69B |
| Enterprise Value | ₹753.16B | ₹5.83B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 14.17 | 2.63 |
| Enterprise to EBITDA | 420.41 | 13.48 |
| Risk & Other Metrics | ||
| Beta | 0.42 | -0.18 |
| Book Value per Share (MRQ) | ₹140.62 | ₹17.41 |
Financial Statements Comparison: Pb Fintech vs IIRM Holdings India
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | POLICYBZR | IIRM |
|---|---|---|
| Revenue/Sales | ₹13.48B | ₹679.65M |
| Cost of Goods Sold | ₹5.60B | N/A |
| Gross Profit | ₹7.88B | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | ₹9.10M | ₹115.14M |
| EBITDA | ₹1.35B | ₹160.54M |
| Pre-Tax Income | ₹923.40M | ₹103.44M |
| Income Tax | ₹76.90M | ₹27.01M |
| Net Income (Profit) | ₹846.50M | ₹76.43M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | POLICYBZR | IIRM |
|---|---|---|
| Cash & Equivalents | ₹5.61B | ₹62.01M |
| Total Current Assets | ₹38.53B | ₹1.13B |
| Total Current Liabilities | ₹7.51B | ₹347.19M |
| Long-Term Debt | ₹2.76B | ₹143.36M |
| Total Shareholders Equity | ₹64.38B | ₹1.33B |
| Retained Earnings | ₹-19.94B | ₹340.11M |
| Property, Plant & Equipment | ₹4.11B | ₹937,000 |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | POLICYBZR | IIRM |
|---|---|---|
| Operating Cash Flow | ₹2.23B | N/A |
| Capital Expenditures | ₹-27.13M | N/A |
| Free Cash Flow | ₹2.90B | N/A |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | POLICYBZR | IIRM |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Average Daily Volume (10 Day) | 1,712,395 | 13,119 |
| Average Daily Volume (90 Day) | 1,251,008 | 8,971 |
| Shares Outstanding | 457.97M | 68.14M |
| Float Shares | 338.90M | 15.26M |
| % Held by Insiders | 0.26% | 0.79% |
| % Held by Institutions | 0.52% | 0.00% |
Dividend Analysis & Yield Comparison: Pb Fintech vs IIRM Holdings India
| Metric | POLICYBZR | IIRM |
|---|---|---|
| Last 12-Month Dividend | N/A | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | N/A | N/A |
| 3-Year Avg Dividend Yield | N/A | N/A |
| 3-Year Total Dividends | N/A | N/A |
| Ex-Dividend Date | N/A | N/A |