Pb Fintech [POLICYBZR] vs IIRM Holdings India [IIRM] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Pb Fintech Ltd. wins in 6 metrics, IIRM Holdings India Ltd. wins in 12 metrics, with 0 ties. IIRM Holdings India Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Pb Fintech Ltd. | IIRM Holdings India Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 130.06 | 30.31 | IIRM Holdings India Ltd. |
| Price-to-Book Ratio | 11.02 | 4.08 | IIRM Holdings India Ltd. |
| Debt-to-Equity Ratio | 4.86 | 32.18 | Pb Fintech Ltd. |
| PEG Ratio | 0.49 | 0.57 | Pb Fintech Ltd. |
| EV/EBITDA | 211.98 | 15.87 | IIRM Holdings India Ltd. |
| Profit Margin (TTM) | 9.29% | 8.04% | Pb Fintech Ltd. |
| Operating Margin (TTM) | 7.06% | 13.56% | IIRM Holdings India Ltd. |
| EBITDA Margin (TTM) | 7.06% | 13.56% | IIRM Holdings India Ltd. |
| Return on Equity | 5.48% | 16.27% | IIRM Holdings India Ltd. |
| Return on Assets (TTM) | 4.69% | 11.66% | IIRM Holdings India Ltd. |
| Free Cash Flow (TTM) | $-2.80B | $-259.17M | IIRM Holdings India Ltd. |
| 1-Year Return | -18.12% | 52.15% | IIRM Holdings India Ltd. |
| Price-to-Sales Ratio (TTM) | 12.07 | 2.43 | IIRM Holdings India Ltd. |
| Enterprise Value | $730.31B | $5.94B | Pb Fintech Ltd. |
| EV/Revenue Ratio | 11.70 | 2.44 | IIRM Holdings India Ltd. |
| Gross Profit Margin (TTM) | 65.75% | N/A | N/A |
| Revenue per Share (TTM) | $136 | $36 | Pb Fintech Ltd. |
| Earnings per Share (Diluted) | $12.50 | $2.87 | Pb Fintech Ltd. |
| Beta (Stock Volatility) | 0.27 | 0.09 | IIRM Holdings India Ltd. |
Pb Fintech Ltd. vs IIRM Holdings India Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Pb Fintech Ltd. | 2.15% | 4.58% | -6.35% | 7.17% | -17.92% | -12.44% |
| IIRM Holdings India Ltd. | -3.52% | 6.81% | 1.59% | 31.73% | 62.78% | 27.71% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Pb Fintech Ltd. | -18.12% | 136.94% | 16.17% | 16.17% | 16.17% | 16.17% |
| IIRM Holdings India Ltd. | 52.15% | 421.84% | 421.84% | 421.84% | 421.84% | 421.84% |
Performance & Financial Health Analysis: Pb Fintech Ltd. vs IIRM Holdings India Ltd.
| Metric | POLICYBZR | IIRM |
|---|---|---|
| Market Information | ||
| Market Cap | ₹773.91B | ₹5.95B |
| Market Cap Category | Large cap | Small cap |
| 10 Day Avg. Volume | 1,956,244 | 97,012 |
| 90 Day Avg. Volume | 1,631,842 | 38,079 |
| Last Close | ₹1,581.10 | ₹115.25 |
| 52 Week Range | ₹1,364.00 - ₹1,978.00 | ₹68.00 - ₹128.99 |
| % from 52W High | -20.07% | -10.65% |
| All-Time High | ₹2,246.90 (Dec 30, 2024) | ₹171.95 (Oct 21, 2024) |
| % from All-Time High | -29.63% | -32.97% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.37% | 0.21% |
| Quarterly Earnings Growth | 1.65% | 0.54% |
| Financial Health | ||
| Profit Margin (TTM) | 0.09% | 0.08% |
| Operating Margin (TTM) | 0.07% | 0.14% |
| Return on Equity (TTM) | 0.05% | 0.16% |
| Debt to Equity (MRQ) | 4.86 | 32.18 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹147.57 | ₹21.31 |
| Cash per Share (MRQ) | ₹45.52 | ₹1.00 |
| 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 Ltd. vs IIRM Holdings India Ltd.
| Metric | POLICYBZR (Apr 24, 2026) | IIRM (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 130.06 | 30.31 |
| Forward P/E | 67.92 | N/A |
| PEG Ratio | 0.49 | 0.57 |
| Price to Sales (TTM) | 12.07 | 2.43 |
| Price to Book (MRQ) | 11.02 | 4.08 |
| Market Capitalization | ||
| Market Capitalization | ₹773.91B | ₹5.95B |
| Enterprise Value | ₹730.31B | ₹5.94B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 11.70 | 2.44 |
| Enterprise to EBITDA | 211.98 | 15.87 |
| Risk & Other Metrics | ||
| Beta | 0.27 | 0.09 |
| Book Value per Share (MRQ) | ₹147.57 | ₹21.31 |
Financial Statements Comparison: Pb Fintech Ltd. vs IIRM Holdings India Ltd.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | POLICYBZR (2025) | IIRM (2025) |
|---|---|---|
| Revenue/Sales | 49.77B | 2.19B |
| Cost of Goods Sold | 29.44B | 1.34B |
| COGS % of Revenue | 59.1% | 61.0% |
| Gross Profit | 20.34B | 854.99M |
| Gross Margin | 40.9% | 39.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | -150.90M | 327.85M |
| Operating Margin | -0.3% | 14.9% |
| EBITDA | 4.48B | 469.61M |
| EBITDA Margin | 9.0% | 21.4% |
| Pre-Tax Income | 3.88B | 305.54M |
| Pre-Tax Income % of Revenue | 7.8% | 13.9% |
| Income Tax | 344.60M | 89.23M |
| Income Tax % of Revenue | 0.7% | 4.1% |
| Net Income (Profit) | 3.53B | 216.31M |
| Profit Margin | 7.1% | 9.9% |
Balance Sheet & Liquidity Metrics
| Metric | POLICYBZR (2025) | IIRM (2025) |
|---|---|---|
| Cash & Equivalents | 5.61B | 62.01M |
| Total Current Assets | 38.53B | 1.13B |
| Total Current Assets % of Revenue | 77.4% | 51.5% |
| Total Current Liabilities | 7.51B | 347.19M |
| Total Current Liabilities % of Revenue | 15.1% | 15.8% |
| Long-Term Debt | 2.76B | 143.36M |
| Long-Term Debt % of Revenue | 5.5% | 6.5% |
| Total Shareholders Equity | 64.38B | 1.33B |
| Retained Earnings | -19.94B | 340.11M |
| Retained Earnings % of Revenue | -40.1% | 15.5% |
| Property, Plant & Equipment | 4.11B | 937,000 |
Cash Flow Statement Comparison
| Metric | POLICYBZR (2025) | IIRM (2025) |
|---|---|---|
| Operating Cash Flow | -2.33B | 91.77M |
| Operating Cash Flow % of Revenue | -4.7% | 4.2% |
| Capital Expenditures | -964.80M | -145.49M |
| Free Cash Flow | -2.80B | -259.17M |
| FCF Margin | -5.6% | -11.8% |
| 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 |
| Shares Outstanding | 462.02M | 68.14M |
| Float Shares | 342.56M | 15.84M |
| % Held by Insiders | 26.05% | 69.86% |
| % Held by Institutions | 53.62% | 0.00% |
| % Held by Public | 20.33% | 30.14% |
Dividend Analysis & Yield Comparison: Pb Fintech Ltd. vs IIRM Holdings India Ltd.
| 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 |