| Quarterly Financials | Dec 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
Revenue  | 230 | 290 | 258 | 300 | 401 | 591 | 553 | 634 | 679 | 951 | 757 | 909 | 965 | 1,188 | 1,152 | 1,274 | 1,392 | 1,609 | 1,448 | 1,701 |
| Expenses | 234 | 339 | 356 | 491 | 685 | 795 | 740 | 800 | 744 | 937 | 743 | 901 | 898 | 1,085 | 1,050 | 1,175 | 1,264 | 1,395 | 1,314 | 1,516 |
| EBITDA | -4 | -49 | -98 | -191 | -284 | -204 | -187 | -166 | -65 | 14 | 14 | 8 | 67 | 103 | 102 | 99 | 128 | 214 | 135 | 185 |
| Operating Profit % | -10 % | -25 % | -50 % | -76 % | -86 % | -47 % | -46 % | -39 % | -22 % | -8 % | -12 % | -11 % | -3 % | 0 % | -4 % | -1 % | 2 % | 7 % | 3 % | 6 % |
| Depreciation | 12 | 10 | 10 | 10 | 11 | 12 | 13 | 16 | 18 | 18 | 20 | 22 | 23 | 24 | 25 | 29 | 34 | 33 | 34 | 34 |
| Interest | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 6 | 6 | 6 | 6 | 7 | 6 | 7 | 6 | 9 | 9 | 9 | 9 | 9 |
| Profit Before Tax | -18 | -62 | -111 | -204 | -298 | -220 | -204 | -187 | -88 | -9 | -12 | -21 | 37 | 73 | 71 | 60 | 85 | 171 | 92 | 142 |
| Tax | 2 | 2 | 0 | 0 | 0 | -1 | -0 | 0 | 0 | 0 | 0 | -0 | 0 | 13 | 11 | 9 | 14 | 1 | 8 | 7 |
| Net Profit | -20 | -64 | -111 | -204 | -298 | -220 | -204 | -187 | -88 | -9 | -12 | -21 | 37 | 60 | 60 | 51 | 72 | 171 | 85 | 135 |
| EPS in ₹ | -0.52 | -2,823.94 | -2.91 | -5.26 | -7.00 | -4.99 | -4.62 | -4.19 | -1.96 | -0.20 | -0.26 | -0.45 | 0.85 | 1.35 | 1.34 | 1.12 | 1.57 | 3.73 | 1.85 | 2.94 |
PB FinTech
PB FinTech
1,823.10
+12.90
(0.71%)
Company has added their latest Transcript1 day ago
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Key Fundamentals
Market Cap
83,727.20 Cr
EPS
7.77
PE Ratio
182.11
Dividend Yield
0.00 %
Industry
Financial Services 52 Week High
2,246.90
52 Week Low
1,311.35
PB Ratio
13.07
Debt to Equity
0.05
Sector
Fintech Analyst Rating and Forecast
- By Refinitiv from20 analysts
Actual
Company News
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PB Fintech Reports Strong Q2 Performance with 40% Premium Growth and Improved Profitability
22 hours ago
22 hours agoPB Fintech Limited reported total premium of ₹7,605 crores for Q2, up 40% year-on-year and 15% quarter-on-quarter, driven by online protection business growth of 44% and health insurance growth of 60%. Consolidated revenue grew 38% to ₹1,614 crores, with core insurance revenue up 36%. The company's consolidated profit after tax increased 165% to ₹135 crores, representing 1.77% of insurance premium. Core credit revenue declined 22% year-on-year but showed 4% quarter-on-quarter growth, indicating bottoming out. Renewal trail revenue on 12-month rolling basis reached ₹774 crores. PB Partners agent aggregator platform now has over 380,000 advisors across 19,000 PIN codes. UAE insurance premium grew 64% and remained profitable for three consecutive quarters. The company maintained its focus on growth while managing GST changes implemented in September, with management expressing confidence in constructive discussions with insurance partners regarding commission structures.
PB Fintech has reaffirmed its profit goal of INR 1,000 crore by FY27, with management stating no changes to this target. The company plans new initiatives to achieve break-even by FY27 and expects profit margins of approximately 3% by 2030. PB Fintech also aims to reach INR 1 trillion in premium revenue by 2030, though this timeline may be adjusted due to potential GST changes.
PB Fintech reported consolidated net profit of 1.35 billion rupees compared to 507 million rupees in the same quarter last year. The company's revenue increased to 16.13 billion rupees from 11.67 billion rupees year-over-year.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
1,823.10 | #1 83,727.20 | #6 182.11 | #2 5,384.90 | #2 41.03 | #1 353 | #1 164.51 | 58.69 | |
1,268.00 | 80,982.50 | 270.99 | #1 7,624.90 | -27.55 | -663 | -97.74 | 52.17 | |
19.26 | 5,385.90 | 24.09 | 4,065.70 | 28.05 | 236 | -15.97 | 64.44 | |
252.45 | 1,973.00 | #1 -10.92 | 1,192.50 | 33.94 | -122 | -694.44 | 38.98 | |
24.60 | 613.40 | 47.31 | 620.40 | #1 221.28 | 14 | 3.39 | 47.96 | |
3.93 | 82.50 | -4.80 | 11.20 | - | -17 | -7.50 | 42.56 | |
63.95 | 80.50 | - | 22.90 | -40.21 | -5 | 0.00 | 55.21 | |
4.13 | 53.00 | -0.31 | 1,508.80 | -11.64 | -80 | -1,161.69 | 42.14 |
Growth Rate
Revenue Growth
41.03 %
Net Income Growth
448.45 %
Cash Flow Change
-2,217.23 %
ROE
399.09 %
ROCE
268.05 %
EBITDA Margin (Avg.)
82.91 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 880 | 751 | 1,576 | 2,331 | 5,916 | 6,254 | 6,729 | 7,529 |
| Fixed Assets | 11 | 119 | 147 | 125 | 205 | 313 | 359 | 418 |
| Current Assets | 810 | 540 | 1,311 | 2,140 | 5,572 | 4,122 | 4,806 | 3,853 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 650 | 125 | 2 | 138 | 373 | 622 | 1,359 | 2,173 |
| Other Assets | 219 | 507 | 1,427 | 2,068 | 5,338 | 5,319 | 5,011 | 4,938 |
| Total Liabilities | 880 | 751 | 1,576 | 2,331 | 5,916 | 6,254 | 6,729 | 7,529 |
| Current Liabilities | 85 | 187 | 203 | 221 | 337 | 551 | 603 | 751 |
| Non Current Liabilities | 7 | 74 | 107 | 118 | 166 | 218 | 249 | 340 |
| Total Equity | 788 | 490 | 1,266 | 1,992 | 5,412 | 5,485 | 5,877 | 6,438 |
| Reserve & Surplus | 787 | 489 | 1,265 | 1,991 | 5,322 | 5,386 | 5,781 | 6,340 |
| Share Capital | 1 | 1 | 1 | 1 | 90 | 90 | 90 | 92 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 2 | -27 | -5 | 69 | 747 | -415 | -71 | -295 | 253 | 236 |
| Investing Activities | -15 | -244 | -434 | 375 | 79 | -1,202 | -2,125 | 46 | 301 | 492 |
| Operating Activities | -102 | -97 | -83 | -282 | -364 | 29 | -1,568 | -299 | 9 | -183 |
| Financing Activities | 119 | 315 | 513 | -23 | 1,031 | 759 | 3,621 | -43 | -57 | -73 |
Share Holding
| % Holding | Jul 2021 | Nov 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 22.21 % | 21.11 % | 14.50 % | 14.05 % | 7.62 % | 48.97 % | 51.58 % | 49.71 % | 47.79 % | 45.93 % | 46.78 % | 43.64 % |
| DIIs | 0.00 % | 3.55 % | 3.03 % | 3.74 % | 3.03 % | 5.52 % | 14.95 % | 14.02 % | 15.41 % | 11.53 % | 14.13 % | 16.75 % | 16.27 % | 18.41 % | 20.57 % | 22.95 % | 23.27 % | 26.62 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 0.00 % | 8.74 % | 7.05 % | 7.34 % | 7.29 % | 7.30 % | 7.51 % | 6.42 % | 6.06 % | 5.64 % | 5.65 % | 5.39 % | 4.74 % | 4.81 % | 4.66 % | 4.27 % | 4.30 % | 4.24 % |
| Others | 100.00 % | 87.71 % | 89.92 % | 88.91 % | 89.68 % | 87.18 % | 55.33 % | 58.45 % | 64.03 % | 68.78 % | 72.60 % | 28.89 % | 27.41 % | 27.08 % | 26.98 % | 26.85 % | 25.64 % | 25.50 % |
| No of Share Holders | 0 | 192 | 3,92,371 | 1,81,998 | 2,00,729 | 1,99,319 | 2,04,329 | 1,95,672 | 1,91,704 | 1,80,765 | 1,65,933 | 1,52,153 | 1,45,383 | 1,52,948 | 1,48,275 | 1,51,205 | 1,64,551 | 1,65,600 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 30 Jun 2021 |  Change Of Name | NA | 30 Jun 2021 | 0.00 | 0.00 |
| 27 Sept 2024 |  Annual General Meeting | NA | 27 Sept 2024 | 1,813.80 | 1,694.95 |
| 05 Nov 2024 |  Quarterly Result Announcement | NA | 05 Nov 2024 | 1,658.00 | 1,712.75 |
| 30 Jan 2025 | Quarterly Result Announcement | NA | 30 Jan 2025 | 1,813.25 | 1,713.00 |
| 15 May 2025 | Quarterly Result Announcement | NA | 15 May 2025 | 1,616.65 | 1,754.35 |
| 31 Jul 2025 | Quarterly Result Announcement | NA | 31 Jul 2025 | 1,794.50 | 1,822.40 |
| 26 Sept 2025 | Annual General Meeting | NA | 26 Sept 2025 | 1,822.70 | 1,749.10 |
| 29 Oct 2025 | Quarterly Result Announcement | NA | 29 Oct 2025 | 1,725.60 | 1,774.85 |
Announcements
Announcement under Regulation 30 (LODR)-Earnings Call Transcript1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation1 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation2 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation2 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome7 days ago
7 days agoAnnouncement under Regulation 30 (LODR)-Monitoring Agency Report7 days ago
7 days agoFinancial Results For The Quarter And Half Year Ended September 30 20257 days ago
7 days agoBoard Meeting Outcome for Outcome Of Board Meeting Held On Wednesday October 29 20257 days ago
7 days agoAnnouncement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 17, 2025
Oct 17, 2025Disclosure Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Oct 09, 2025
Oct 09, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 09, 2025
Oct 09, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 07, 2025
Oct 07, 2025Board Meeting Intimation for Approval Of Unaudited Financials Results (Standalone & Consolidated) For Quarter And Half Year Ended September 30 2025Oct 07, 2025
Oct 07, 2025Disclosure Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Sep 30, 2025
Sep 30, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportSep 30, 2025
Sep 30, 2025Closure of Trading WindowSep 30, 2025
Sep 30, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMSep 26, 2025
Sep 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 22, 2025
Sep 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 18, 2025
Sep 18, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 10, 2025
Sep 10, 2025Reg. 34 (1) Annual Report.Sep 09, 2025
Sep 09, 2025Business Responsibility and Sustainability Reporting (BRSR)Sep 09, 2025
Sep 09, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 05, 2025
Sep 05, 2025Dispatch Of Physical Communication To Shareholders For Notice And Annual ReportSep 04, 2025
Sep 04, 2025Business Responsibility and Sustainability Reporting (BRSR)Sep 04, 2025
Sep 04, 2025Reg. 34 (1) Annual Report.Sep 04, 2025
Sep 04, 2025Notice Of 17Th Annual General MeetingSep 04, 2025
Sep 04, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 04, 2025
Sep 04, 2025Disclosure Under Regulation 30 Of Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015Aug 29, 2025
Aug 29, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateAug 27, 2025
Aug 27, 2025Grants Of Stock Options Under PB Fintech Employees Stock Option Plan 2021Aug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 22, 2025
Aug 22, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 07, 2025
Aug 07, 2025Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations 2015Aug 05, 2025
Aug 05, 2025Disclosure Under Regulation 30 Of SEBI (LODR) Regulations 2015Aug 02, 2025
Aug 02, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 02, 2025
Aug 02, 2025Announcement under Regulation 30 (LODR)-Monitoring Agency ReportAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 01, 2025
Aug 01, 2025Financial Results For The Quarter Ended June 30 2025Jul 31, 2025
Jul 31, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On Thursday July 31 2025Jul 31, 2025
Jul 31, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 24, 2025
Jul 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 21, 2025
Jul 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 18, 2025
Jul 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 14, 2025
Jul 14, 2025Board Meeting Intimation for Approval Of Unaudited Financials Results For Q1FY26 (Standalone & Consolidated)Jul 14, 2025
Jul 14, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 14, 2025
Jul 14, 2025Mutual Fund Holdings
Tata Digital India Fund Direct-Growth 
ICICI Prudential Multicap Fund Direct Plan-Growth 
Kotak Arbitrage Fund Direct-Growth 
HSBC Focused Fund Direct - Growth 
Invesco India Arbitrage Fund Direct-Growth 
Mirae Asset Midcap Fund Direct - Growth 
Edelweiss Balanced Advantage Fund Direct-Growth 
Bandhan Flexi Cap Fund Direct-Growth 
Nippon India Large Cap Fund Direct-Growth 
Motilal Oswal Focused Fund Direct-Growth 
Canara Robeco Large Cap Fund Direct-Growth 
UTI Mid Cap Fund Direct-Growth 
Franklin India Focused Equity Fund Direct-Growth 
TRUSTMF Flexi Cap Fund Direct - Growth Technical Indicators
RSI(14)
Neutral 58.69
ATR(14)
Less Volatile 57.23
STOCH(9,6)
Overbought 80.24
STOCH RSI(14)
Overbought 80.52
MACD(12,26)
Bullish 18.90
ADX(14)
Weak Trend 22.40
UO(9)
Bearish 57.62
ROC(12)
Uptrend And Accelerating 7.81
WillR(14)
Overbought -15.87
About PB FinTech
PB Fintech Limited, formerly Etechaces Marketing and Consulting Private Limited, is an Indian company providing online marketing and IT consulting services for the financial services industry, particularly insurance. It operates Policybazaar, India's largest digital insurance marketplace, and Paisabazaar, a platform for lending products. The company expanded to the United Arab Emirates in 2018 through its subsidiary PB Fintech FZ-LLC. In 2021, PB Fintech Limited became publicly listed on the BSE and NSE. The company's services include insurance brokerage, online marketing, and support for various financial products. Its platforms, Policybazaar and Paisabazaar, cater to consumers with diverse financial needs, offering insurance and personal credit products respectively.
Listing Date
15 Nov, 2021(3 Years,
22 days)
Website
Chairperson NameYashish Dahiya
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