Check Before You Invest : PB Fintech Ltd

BSE: 543390 NSE: POLICYBZR ISIN: INE417T01026

| Sector: IT & ITES | Industry: Fintech

Snapshot

Q.1 Which industry/sub-sector does PB Fintech Ltd belong to?

PB Fintech Ltd belongs to the IT & ITES sector, operating specifically within the Fintech segment.

Q.2 Is PB Fintech Ltd a good quality company?

PB Fintech Ltd is a weak quality company, based on a inconsistent 10-year financial track record.

Q.3 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.4 Is PB Fintech Ltd a good buy now?

PB Fintech Ltd is a good buy now, based on strong price trend analysis suggesting prices may rise. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Revenue growth of PB Fintech Ltd?

PB Fintech Ltd revenue growth is 39.1% for FY-2025, which is above its 5-year CAGR of 20.22%, indicating faster growth.

Q.2 Return on capital employed (ROCE) of PB Fintech Ltd?

PB Fintech Ltd Return on capital employed is 0.19% for FY-2025, which is in line with its 5-year historical median of 0.19%. The current ROCE is below its estimated weighted average cost of capital (WACC) of 11.25%, indicating value preservation.

Q.3 Return on Asset of PB Fintech Ltd?

PB Fintech Ltd Return on Asset is 0.17%, which is in line with its 5-year historical median of 0.17%, indicating stable asset utilization efficiency.

Q.4 Return on Equity (ROE) of PB Fintech Ltd?

PB Fintech Ltd Return on equity is 0.19% for FY-2025, which is in line with its 5-year historical median of 0.19%, indicating the business is making similar use of its shareholders capital.

Q.5 Cash conversion cycle of PB Fintech Ltd?

PB Fintech Ltd Cash conversion cycle is -36 days, below its 5-year historical median of 3 days, indicating improved working capital management. However, you need to compare this with its peers in the industry.

	Current Level	5-year Historic Median
Asset Turnover	0.02	0.02
ROE	0.19	0.19
ROCE	0.19	0.19
Cash Conversion Cycle	-36 days	3 days

Q.6 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 in line with its 5-year median of 2.5%, indicating stable margins.

Q.7 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 above its 5-year median of -184.83% indicating increasing margins.

Q.8 Net Profit Margin of PB Fintech Ltd?

PB Fintech Ltd Net Profit Margin is 8.78% for FY-2025, is in line with with its 5-year median of 8.78%, indicating stable margins.

	Current Level	5-year Historic Median
Gross Profit Margin	2.5	2.5
Operating Profit Margin	-165.75	-184.83
Net Profit Margin	8.78	8.78

Q.9 Debt to Equity ratio of PB Fintech Ltd?

PB Fintech Ltd Debt-to-Equity ratio is 0.00, which is lower with the industry average of 0.08, indicating lower debt levels in the industry.

Q.10 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.

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 16.12%, indicating faster growth and gaining its market share.

Profit Metrics

	Current Level	5-year Industry Median
Revenue Growth	39.1	16.1
Gross Profit Growth	-91.7	-41.2
Operating Profit Growth	0	-
Net Profit Growth	-63.9	5.4

Operating Efficiency

	Current Level	5-year Industry Median
Asset Turnover	0.02	0.17
ROE	0.19	-8.09
ROCE	0.19	-6.96
Cash Conversion Cycle (days)	-36.48	9

Valuation & price assessment

Q.1 Stock return of PB Fintech Ltd over the last decade?

Over the last 3 year(s), the stock has delivered a CAGR of 40.88% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	-	-	40.9%	4.6%

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 compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	9798.86	716.10	62.87
Price to Book	9.53	5.79	3.88
Price to Sales	405.71	361.80	3.97
EV to EBITDA	60677.25	892.66	20.79

Check more companies

1. Billionbrains Garage

2. PB Fintech

3. One97 Communications

Check trending companies

1. Force Motors Ltd.

2. KEI Industries Ltd.

3. Aadhar Housing Finance Ltd.

4. State Bank Of India

5. Power Finance Corporation Ltd.