Pb Fintech [POLICYBZR] vs ICICI Bank [ICICIBANK] Detailed Stock Comparison

Pb Fintech Ltd.

NSE
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ICICI Bank Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Pb Fintech Ltd. wins in 3 metrics, ICICI Bank Ltd. wins in 14 metrics, with 0 ties. ICICI Bank Ltd. appears stronger overall.

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Vital Metrics Comparison

Metric Pb Fintech Ltd. ICICI Bank Ltd. Better
P/E Ratio (TTM) 130.06 18.28 ICICI Bank Ltd.
Price-to-Book Ratio 11.02 2.70 ICICI Bank Ltd.
Debt-to-Equity Ratio 4.86 0.60 ICICI Bank Ltd.
PEG Ratio 0.49 -4.64 Pb Fintech Ltd.
EV/EBITDA 211.98 N/A N/A
Profit Margin (TTM) 9.29% 24.93% ICICI Bank Ltd.
Operating Margin (TTM) 7.06% 33.29% ICICI Bank Ltd.
EBITDA Margin (TTM) 7.06% 33.29% ICICI Bank Ltd.
Return on Equity 5.48% 16.36% ICICI Bank Ltd.
Return on Assets (TTM) 4.69% 2.09% Pb Fintech Ltd.
Free Cash Flow (TTM) $-2.80B $635.95B ICICI Bank Ltd.
Dividend Yield N/A 0.77% N/A
1-Year Return -18.12% -5.32% ICICI Bank Ltd.
Price-to-Sales Ratio (TTM) 12.07 4.51 ICICI Bank Ltd.
Enterprise Value $730.31B $9,660.49B ICICI Bank Ltd.
EV/Revenue Ratio 11.70 4.44 ICICI Bank Ltd.
Gross Profit Margin (TTM) 65.75% N/A N/A
Revenue per Share (TTM) $136 $304 ICICI Bank Ltd.
Earnings per Share (Diluted) $12.50 $74.83 ICICI Bank Ltd.
Beta (Stock Volatility) 0.27 0.29 Pb Fintech Ltd.

Pb Fintech Ltd. vs ICICI Bank Ltd. Stock Performance Analysis

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POLICYBZR
ICICIBANK

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pb Fintech Ltd.2.15%4.58%-6.35%7.17%-17.92%-12.44%
ICICI Bank Ltd.-0.98%6.19%6.68%4.30%-2.75%-0.78%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pb Fintech Ltd.-18.12%136.94%16.17%16.17%16.17%16.17%
ICICI Bank Ltd.-5.32%43.52%112.69%518.54%614.45%1,355.33%

Performance & Financial Health Analysis: Pb Fintech Ltd. vs ICICI Bank Ltd.

MetricPOLICYBZRICICIBANK
Market Information
Market Cap i₹773.91B₹9.66T
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i1,956,24422,129,227
90 Day Avg. Volume i1,631,84220,098,055
Last Close₹1,581.10₹1,327.60
52 Week Range₹1,364.00 - ₹1,978.00₹1,187.60 - ₹1,500.00
% from 52W High-20.07%-11.49%
All-Time High₹2,246.90 (Dec 30, 2024)₹1,500.00 (Jul 25, 2025)
% from All-Time High-29.63%-11.49%
Growth Metrics
Quarterly Revenue Growth0.37%0.67%
Quarterly Earnings Growth1.65%0.09%
Financial Health
Profit Margin (TTM) i0.09%0.25%
Operating Margin (TTM) i0.07%0.33%
Return on Equity (TTM) i0.05%0.16%
Debt to Equity (MRQ) i4.860.60
Cash & Liquidity
Book Value per Share (MRQ)₹147.57₹506.99
Cash per Share (MRQ)₹45.52₹370.03
Operating Cash Flow (TTM) i₹-2,328,300,000₹-1,210,546,388,992
Levered Free Cash Flow (TTM) i₹3.53B₹510.29B
Dividends
Last 12-Month Dividend Yield iN/A0.77%
Last 12-Month Dividend iN/A₹11.00

Valuation & Enterprise Metrics Analysis: Pb Fintech Ltd. vs ICICI Bank Ltd.

MetricPOLICYBZR (Apr 24, 2026)ICICIBANK (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i130.0618.28
Forward P/E i67.9215.07
PEG Ratio i0.49-4.64
Price to Sales (TTM) i12.074.51
Price to Book (MRQ) i11.022.70
Market Capitalization
Market Capitalization i₹773.91B₹9.66T
Enterprise Value i₹730.31B₹9.66T
Enterprise Value Metrics
Enterprise to Revenue i11.704.44
Enterprise to EBITDA i211.98N/A
Risk & Other Metrics
Beta i0.270.29
Book Value per Share (MRQ) i₹147.57₹506.99

Financial Statements Comparison: Pb Fintech Ltd. vs ICICI Bank Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPOLICYBZR (2025)ICICIBANK (2026)
Revenue/Sales i49.77B2.23T
Cost of Goods Sold i29.44BN/A
COGS % of Revenue i59.1%0.0%
Gross Profit i20.34BN/A
Gross Margin i40.9%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i-150.90MN/A
Operating Margin i-0.3%0.0%
EBITDA i4.48BN/A
EBITDA Margin i9.0%0.0%
Pre-Tax Income i3.88B773.20B
Pre-Tax Income % of Revenue i7.8%34.7%
Income Tax i344.60M193.84B
Income Tax % of Revenue i0.7%8.7%
Net Income (Profit) i3.53B579.36B
Profit Margin i7.1%26.0%

Balance Sheet & Liquidity Metrics

MetricPOLICYBZR (2025)ICICIBANK (2026)
Cash & Equivalents i5.61B2.65T
Total Current Assets i38.53BN/A
Total Current Assets % of Revenue i77.4%0.0%
Total Current Liabilities i7.51BN/A
Total Current Liabilities % of Revenue i15.1%0.0%
Long-Term Debt i2.76B2.20T
Long-Term Debt % of Revenue i5.5%98.7%
Total Shareholders Equity i64.38B3.80T
Retained Earnings i-19.94BN/A
Retained Earnings % of Revenue i-40.1%0.0%
Property, Plant & Equipment i4.11BN/A

Cash Flow Statement Comparison

MetricPOLICYBZR (2025)ICICIBANK (2026)
Operating Cash Flow i-2.33B3.08T
Operating Cash Flow % of Revenue i-4.7%138.0%
Capital Expenditures i-964.80M-35.47B
Free Cash Flow i-2.80B635.95B
FCF Margin i-5.6%28.5%
Debt Repayment iN/A-501.53B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricPOLICYBZRICICIBANK
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i462.02M7.15B
Float Shares i342.56M7.13B
% Held by Insiders i26.05%3.01%
% Held by Institutions i53.62%55.88%
% Held by Public i20.33%41.11%

Dividend Analysis & Yield Comparison: Pb Fintech Ltd. vs ICICI Bank Ltd.

MetricPOLICYBZRICICIBANK
Last 12-Month Dividend iN/A₹11.00
Last 12-Month Dividend Yield iN/A0.77%
3-Year Avg Annual Dividend iN/A₹12.33
3-Year Avg Dividend Yield iN/A0.82%
3-Year Total Dividends iN/A₹37.00
Ex-Dividend DateN/AAug 12, 2025