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    Technology services

  3. •

    Internet software/Services
PB Fintech Limited

PB Fintech Limited

1,039.00
INR
+29.00
(+2.87%)
659.89BMarket Cap
Nov 10Next Earn
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
10.95
17.16
24.27
34.79
57.49
76.89
109.57
147.81
- -
Basic EPS, GAAP
-7.72
-6.76
-4.11
-20.34
-10.95
1.5
7.75
14.58
- -
Free Cash Flow per Basic Share
-7.06
-8.82
0.63
-39.09
-8.33
-1.22
-6.17
-0.84
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
10.89
28.14
44.28
123.24
122.69
130.89
140.46
158.25
- -
Tangible Book Value per Share
10.84
28.01
44.2
122.68
121.71
129.92
140.31
158.02
- -
Basic Weighted Avg Shares
449
449
365
410
445
447
454
460
461
Sales/Revenue/Turnover
4,922
7,713
8,867
14,249
25,579
34,377
49,772
67,940
- -
Operating Margin (%)
-74.38
-47.36
-21.97
-66.28
-28.35
-7.99
-0.29
6.14
- -
Depreciation Expense
304
473
414
428
638
887
1,213
1,360
- -
Net Income, GAAP
-3,468
-3,040
-1,502
-8,329
-4,872
670
3,521
6,699
- -
Effective Tax Rate (%)
- -
- -
- -
- -
- -
16.47
8.91
5.26
- -
Profit Margin (%)
-70.45
-39.42
-16.94
-58.45
-19.05
1.95
7.07
9.86
- -
Working Capital
3,525
11,079
19,185
52,342
35,713
42,029
31,021
33,841
- -
LT Debt
644
935
958
1,415
1,938
2,141
2,756
3,048
- -
Total Equity
4,903
12,658
19,917
54,117
54,848
58,765
64,380
73,175
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
-3.78
0.38
5.46
- -
Return on Capital (%)
- -
- -
- -
- -
- -
1.55
5.94
9.76
- -
Return on Common Equity (%)
- -
-34.66
-9.23
-22.5
-8.95
1.18
5.72
9.75
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
554
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
3,048
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
461
462
461
Market Capitalization
842,768
659,886
752,093

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
43,760
- -
Cash, Cash Equivalents & STI
- -
25,289
- -
Accounts Receivable, Net
- -
17,287
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
9,920
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
554
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
40.68%
13.66%
Free Cash Flow
- -
-1,386.06%
-86.3%
Net Income, GAAP
- -
163.01%
90.29%
Sales/Revenue/Turnover
- -
51.18%
36.5%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
10,105
11,672
12,916
15,079
49,772
2026
13,480
- -
17,712
20,613
67,940
2027
18,883
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
1.34
1.12
1.57
3.71
7.75
2026
1.85
- -
4.11
5.65
14.58
2027
3.53
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Yashish Dahiya
Full Time Employees
28,330
Sector
Technology services
Industry
Internet software/Services
Address
Plot No. 119 Gurugram HR India 122001
IPO Date
Nov 15, 2021
Website
pbfintech.in
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Business
PB Fintech Limited (NSE: POLICYBZR) operates India's leading online platforms for insurance and lending products through its flagship brands Policybazaar, Paisabazaar, and Pensionbazaar. Policybazaar provides end-to-end insurance solutions including health, term life, motor, travel, and savings products; Paisabazaar offers credit marketplace services for personal loans, business loans, home loans, loans against property, and credit cards, along with credit score access; Pensionbazaar focuses on pension product distribution. The company also delivers insurance broking, online healthcare services, motor vehicle claims support, call center operations, and online marketing/consulting for financial services providers. Founded in 2008 and headquartered in Gurugram, Haryana, India, PB Fintech serves retail consumers and B2B partners primarily in India, with international operations in the United Arab Emirates via wholly-owned subsidiary PB Fintech FZ-LLC. Recent developments include the May 2025 launch of PB Health, a healthcare venture securing $218 million in seed funding led by General Catalyst with participation from Faering Capital, Bay Capital, and others; PB Fintech invested $62 million for a 26%-32% stake to build 4-5 hospitals near New Delhi by 2027 and expand to 25-30 across ten cities, integrating insurance with hospital and preventive care services. In late 2025, PB Health acquired Fitterfly, a digital health platform for diabetes reversal, obesity management, and heart health programs, enhancing its out-of-hospital network.