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INVESTMENT INSIGHTS

Check Before You Invest : PB Fintech Ltd

BSE: 543390 NSE: POLICYBZR ISIN: INE417T01026
  |   Sector:  IT & ITES   |   Industry:  Fintech

Snapshot

Q.1 Is PB Fintech Ltd a good quality company?
PB Fintech Ltd is a quality company, based on a 10 year financial track record .
Q.2 Is PB Fintech Ltd undervalued or overvalued?
PB Fintech Ltd appears Fair , as its key valuation ratios are in line with their past averages.
Q.3 Is PB Fintech Ltd a good buy now?
PB Fintech Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways . However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Gross Profit margin of PB Fintech Ltd?
PB Fintech Ltd Gross profit margin which is the profit after deduction of direct costs, is 2.5% for FY-2025 , which is above its 5 year median of 0% , indicating increasing margins.
Q.2 Operating Profit Margin of PB Fintech Ltd?
PB Fintech Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is -165.75% for FY-2025 , which is below its 5 year median of 0% indicating decreasing margins.
Q.3 Net Profit Margin of PB Fintech Ltd?
PB Fintech Ltd Net Profit Margin is 8.78% for FY-2025 , is above with its 5 year median of 0%, indicating increasing margins.
Q.4 Return on Asset of PB Fintech Ltd?
PB Fintech Ltd Return on Asset is 0.17(x), which is above its 5 year historical median of 0(x), indicating improved asset utilization efficiency.
Q.5 Return on Equity (ROE) of PB Fintech Ltd?
PB Fintech Ltd Return on equity is 0.19% for FY-2025 , which is above its historical median of 0%, indicating the business is making better use of its shareholders capital.
Q.6 Return on capital employed (ROCE) of PB Fintech Ltd?
PB Fintech Ltd Return on capital employed is 0.19% for FY-2025 , which is below its estimated weighted average cost of capital(WACC) 11.25%, indicating value preservation .
Q.7 Cash conversion cycle of PB Fintech Ltd?
PB Fintech Ltd Cash conversion cycle is -36 , below its historical median of 0 , indicating improved working capital management. However, you need to compare this with its peers in the industry.
Q.8 Debt to Equity ratio of PB Fintech Ltd?
PB Fintech Ltd Debt-to-Equity ratio is 0.00 , which is in line with the industry average of 0 , indicating similar to debt levels in the industry.
Q.9 Debt to cash flow from operations of PB Fintech Ltd?
PB Fintech Ltd Debt to cash flow from operations is 0 , which is at a healthy level, indicating the business is able to service its debt comfortably.

Ownership & governance

Q.1 Promoter shareholding and pledge status of PB Fintech Ltd?
Promoters hold 0.00% of the PB Fintech Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 Revenue growth of PB Fintech Ltd vs industry peers?
PB Fintech Ltd revenue CAGR is 20.22% , compared to the industry median CAGR of 0% , indicating faster growth and gaining its market share.

Valuation & price assessment

Q.1 Stock return of PB Fintech Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 0% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price - - 36.2% -1.5%
Q.3 Valuation ratios of PB Fintech Ltd vs historical?
The current P/E is higher that its historical median.
Q.4 How do the current valuation ratios measure up against the historic numbers and the current industry numbers?
Valuation Ratios Current Historic Median Industry Median
Price to Earnings 8879.65 0.00 101.78
Price to Book 8.64 5.18 3.77
Price to Sales 367.65 241.89 4.92
EV to EBITDA 54981.02 3199.71 23.99

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