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Pb Fintech (POLICYBZR) | Financial Analysis & Statements

Pb Fintech Ltd. | Large-cap | Financial Services

₹1,852.00

1.33%

Pb Fintech vs IIRM Holdings India Pb Fintech vs HDFC Bank Limited Pb Fintech vs ICICI Bank Pb Fintech vs State Bank of India Pb Fintech vs Life Insurance Pb Fintech vs NIFTY 50 | Market

TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 13.5B

Gross Profit 7.9B 58.47%

Operating Income 9.1M 0.07%

Net Income 846.5M 6.28%

EPS (Diluted) ₹1.82

Balance Sheet Metrics

Total Assets 75.3B

Total Liabilities 10.9B

Shareholders Equity 64.4B

Debt to Equity 0.17

Cash Flow Metrics

Operating Cash Flow 2.2B

Free Cash Flow 2.9B

Revenue & Profitability Trend

Interactive Financial Charts Not Available

This page uses interactive financial charts and dynamic data visualization tools that require JavaScript. For detailed financial analysis:

Available Financial Data:

Income statements (annual and quarterly)
Balance sheets with asset and liability details
Cash flow statements and free cash flow analysis
Key financial ratios and performance metrics
Peer comparison and industry benchmarking

All financial data is displayed in accessible table format below. Use the table headers and structure to analyze trends and compare metrics across different periods.

Pb Fintech Income Statement From 2021 to 2025

Metric	2025	2024	2023	2022	2021
Revenue i	49.8B	34.4B	25.6B	14.2B	8.9B
Cost of Goods Sold i	19.6B	19.5B	9.9B	12.6B	4.2B
Gross Profit i	30.2B	14.8B	15.7B	1.7B	4.7B
Gross Margin % i	60.6%	43.2%	61.4%	11.9%	52.6%
Operating Expenses
Research & Development i	-	-	-	-	-
Selling, General & Administrative i	10.9B	9.6B	14.1B	8.6B	4.1B
Other Operating Expenses i	18.3B	2.7B	2.0B	1.4B	747.2M
Total Operating Expenses i	29.2B	12.3B	16.1B	10.0B	4.8B
Operating Income i	-275.9M	-2.7B	-7.3B	-8.8B	-1.9B
Operating Margin % i	-0.6%	-8.0%	-28.3%	-61.5%	-22.0%
Non-Operating Items
Interest Income i	-	3.4B	2.2B	1.0B	353.5M
Interest Expense i	338.3M	264.6M	213.6M	830.8M	115.2M
Other Non-Operating Income	-	-	-	-	-
Pre-tax Income i	3.9B	771.1M	-4.9B	-8.3B	-1.4B
Income Tax i	344.6M	127.0M	-200.0K	-4.8M	83.3M
Effective Tax Rate % i	8.9%	16.5%	0.0%	0.0%	0.0%
Net Income i	3.5B	644.1M	-4.9B	-8.3B	-1.5B
Net Margin % i	7.1%	1.9%	-19.1%	-58.5%	-16.9%
Key Metrics
EBITDA i	4.9B	1.6B	-4.4B	-7.1B	-1.2B
EPS (Basic) i	₹7.77	₹1.50	₹-10.97	₹-20.34	₹-4.11
EPS (Diluted) i	₹7.65	₹1.45	₹-10.97	₹-20.34	₹-4.11
Basic Shares Outstanding i	454324324	447063126	444921010	409495084	365332437
Diluted Shares Outstanding i	454324324	447063126	444921010	409495084	365332437

Income Statement Trend

Pb Fintech Balance Sheet From 2021 to 2025

Metric	2025	2024	2023	2022	2021
Assets
Current Assets
Cash & Equivalents i	5.6B	3.2B	723.4M	3.7B	4.4B
Short-term Investments i	22.1B	37.7B	33.3B	47.9B	15.1B
Accounts Receivable i	10.0B	6.5B	6.8B	3.6B	1.7B
Inventory i	-	-	-	-	-
Other Current Assets	639.1M	9.6M	19.3M	1.3M	456.0K
Total Current Assets i	38.5B	48.2B	41.2B	55.7B	21.4B
Non-Current Assets
Property, Plant & Equipment i	4.1B	3.2B	2.7B	1.8B	0
Goodwill i	81.1M	809.7M	812.2M	469.6M	36.1M
Intangible Assets i	53.5M	55.5M	58.0M	26.0M	36.1M
Long-term Investments	-	-	-	-	-
Other Non-Current Assets	247.0M	3.6M	20.4M	2.1M	-
Total Non-Current Assets i	36.8B	19.1B	21.3B	3.4B	1.9B
Total Assets i	75.3B	67.3B	62.5B	59.2B	23.3B
Liabilities
Current Liabilities
Accounts Payable i	3.7B	3.0B	3.1B	2.0B	1.0B
Short-term Debt i	466.5M	392.5M	328.4M	178.7M	128.6M
Current Portion of Long-term Debt	-	-	-	-	-
Other Current Liabilities	914.1M	3.8M	5.4M	590.0K	219.0K
Total Current Liabilities i	7.5B	6.0B	5.5B	3.4B	2.2B
Non-Current Liabilities
Long-term Debt i	2.8B	2.1B	1.9B	1.4B	958.3M
Deferred Tax Liabilities i	-	-	-	-	-
Other Non-Current Liabilities	-	-	-	-	-
Total Non-Current Liabilities i	3.4B	2.5B	2.2B	1.7B	1.2B
Total Liabilities i	10.9B	8.5B	7.7B	5.0B	3.4B
Equity
Common Stock i	918.5M	902.4M	900.2M	899.0M	456.0K
Retained Earnings i	-	-23.4B	-24.0B	-19.2B	-10.9B
Treasury Stock i	-	0	-	-	-
Other Equity	-	-	-	-	-
Total Shareholders Equity i	64.4B	58.8B	54.8B	54.1B	19.9B
Key Metrics
Total Debt i	3.2B	2.5B	2.3B	1.6B	1.1B
Working Capital i	31.0B	42.2B	35.7B	52.3B	19.2B

Balance Sheet Composition

Pb Fintech Cash Flow Statement From 2021 to 2025

Metric	2025	2024	2023	2022	2021
Operating Activities
Net Income i	3.9B	771.1M	-4.9B	-8.3B	-1.4B
Depreciation & Amortization i	-	-	-	-	-
Stock-Based Compensation i	2.1B	3.3B	5.4B	6.1B	982.6M
Working Capital Changes i	-4.6B	339.0M	-2.5B	-13.6B	455.8M
Operating Cash Flow i	-2.3B	1.2B	-4.0B	-16.7B	-259.9M
Investing Activities
Capital Expenditures i	-964.8M	-631.9M	-638.7M	-298.1M	-37.4M
Acquisitions i	689.7M	0	-133.4M	0	-
Investment Purchases i	-72.3B	-65.1B	-59.0B	-49.4B	-34.8B
Investment Sales i	73.1B	66.7B	58.0B	27.5B	22.5B
Investing Cash Flow i	573.9M	1.1B	-1.8B	-22.3B	-12.4B
Financing Activities
Share Repurchases i	-	-	-	-	-
Dividends Paid i	-	-	-	-	-
Debt Issuance i	-	-	-	-	-
Debt Repayment i	-	-	-	-	-
Financing Cash Flow i	15.6M	3.4M	1.2M	36.5B	7.8B
Free Cash Flow i	-2.8B	-547.0M	-3.6B	-16.0B	228.8M
Net Change in Cash i	-1.7B	2.2B	-5.8B	-2.6B	-4.8B

Cash Flow Trend

Pb Fintech Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 219.23

Forward P/E 72.46

Price to Book 12.69

Price to Sales 15.40

PEG Ratio 0.52

Profitability Ratios

Profit Margin 7.10%

Operating Margin 0.07%

Return on Equity 5.48%

Return on Assets 4.69%

Financial Health

Current Ratio 5.13

Debt to Equity 5.01

Beta 0.48

Per Share Data

EPS (TTM) ₹8.14

Book Value per Share ₹140.62

Revenue per Share ₹116.46

Peer Financial Comparison

Company	Market Cap	P/E Ratio	P/B Ratio	ROE	Profit Margin	Debt/Equity
policybzr	818.2B	219.23	12.69	5.48%	7.10%	5.01
IIRM Holdings India	5.3B	26.42	4.49	16.27%	9.12%	22.25
HDFC Bank Limited	15.2T	22.70	2.80	13.93%	25.79%	1.06
ICICI Bank	10.2T	19.37	3.08	17.88%	25.74%	0.62
State Bank of India	7.4T	9.23	1.38	16.58%	22.67%	1.16
Life Insurance	5.8T	11.82	5.08	37.90%	6.20%	0.00

Financial data is updated regularly. All figures are in the company's reporting currency.