Financial Services · NIFTY 500

PB Fintech Limited

NSEPOLICYBZR BSE543390 ISININE417T01026 SeriesEQ Listed on NSE · BSE

₹1,050.10 +74.10 (+7.59%) Updated 12 Nov, 8:49 pm IST

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Price, daily close-46.96% in a year

Today

Open: ₹979.00
Prev close: ₹976.00
Day high: ₹1,050.10
Day low: ₹972.60
Volume: 53.48 L
Value traded: ₹540.72 Cr
Upper circuit: ₹1,059.50
Lower circuit: ₹997.90
52W high: ₹1,964.20
52W low: ₹916.00
1 month: -2.91%
6 months: -41.13%

52W low52W high

Ratios

Key numbers

Worked out from the latest filings (Consolidated) and today's price. TTM = last four quarters.

Market cap₹48,593 Cr

P/E (TTM)60.63

P/B6.25

Book value / share₹168.01

EPS (TTM)₹17.32

ROE10.4%

Dividend yield—

Dividend (12m)—

Net margin (TTM)10.2%

Operating margin7.6%

Debt / equity—

Current ratio4.43

EV / EBITDA70.70

Sales growth (YoY qtr)+34.96%

Profit growth (YoY qtr)+42.70%

Sales CAGR 3Y+38.49%

Profit CAGR 3Y—

Shares46.28 Cr

Quarterly results

Results for each quarter

Last 12 quarters, consolidated, ₹ crore. Hover a bar to see the number.

Revenue and net profit

87138.0

Dec 23

1,09060.2

Mar 24

1,01060.2

Jun 24

1,16750.7

Sep 24

1,29271.5

Dec 24

1,508171

Mar 25

1,34884.6

Jun 25

1,614135

Sep 25

1,771189

Dec 25

2,061261

Mar 26

1,888163

Jun 26

2,178192

Sep 26

Revenue · QoQ (vs last quarter)

—+25%-7.3%+16%+11%+17%-11%+20%+9.8%+16%-8.4%+15%

Revenue · YoY (vs a year ago)

————+48%+38%+33%+38%+37%+37%+40%+35%

Net profit · QoQ (vs last quarter)

—+58%0.0%-16%+41%+138%-50%+59%+40%+38%-38%+18%

Net profit · YoY (vs a year ago)

————+88%+183%+41%+166%+165%+53%+93%+43%

RevenueNet profitLine = trend

0.83

Dec 23

1.31

Mar 24

1.31

Jun 24

1.09

Sep 24

1.55

Dec 24

3.67

Mar 25

1.82

Jun 25

2.89

Sep 25

4.08

Dec 25

5.61

Mar 26

3.50

Jun 26

4.13

Sep 26

EPS (₹) · YoY (vs a year ago)

————+87%+180%+39%+165%+163%+53%+92%+43%

EPS (₹)Line = trend

₹ Cr	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25	Dec 25	Mar 26	Jun 26	Sep 26
Revenue	871	1,090	1,010	1,167	1,292	1,508	1,348	1,614	1,771	2,061	1,888	2,178
Other income	93.6	98.3	100	106	100	101	98.8	84.5	84.9	104	93.0	99.9
Total income	965	1,188	1,111	1,273	1,392	1,609	1,447	1,698	1,856	2,166	1,981	2,278
Raw material	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Purchases	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Employee cost	398	440	455	508	487	508	560	600	607	699	716	773
Other expenses	499	645	594	667	777	887	754	916	1,006	1,144	1,033	1,239
Total expenses	926	1,115	1,081	1,213	1,307	1,437	1,356	1,559	1,655	1,888	1,800	2,068
Operating profit	-25.5	5.4	1.8	-7.8	27.7	113	34.4	97.8	159	218	139	166
OPM %	-2.9%	0.5%	0.2%	-0.7%	2.1%	7.5%	2.6%	6.1%	9.0%	10.6%	7.4%	7.6%
Finance cost	6.4	6.6	6.4	9.0	9.3	9.2	8.8	9.2	9.3	9.8	11.1	11.7
Depreciation	23.1	23.8	25.0	29.4	33.6	33.3	33.5	33.9	33.8	34.9	40.1	43.8
Exceptional items	—	—	41.1	—	—	—	—	—	—	—	—	—
Profit before tax	38.6	73.4	70.7	59.8	85.2	172	90.9	139	201	278	181	210
Tax	0.0	12.7	10.8	9.3	13.6	0.8	7.7	7.2	11.6	10.7	15.7	13.0
Net profit	37.2	60.2	60.0	51.0	71.5	171	84.7	135	189	261	163	192
Profit to shareholders	38.0	—	60.2	50.7	71.5	171	84.6	135	189	261	163	192
EPS (₹)	0.83	1.31	1.31	1.09	1.55	3.67	1.82	2.89	4.08	5.61	3.50	4.13

Profit & loss

Results for each year

5 financial years (April to March), consolidated, ₹ crore.

Sales, operating profit and net profit

1,425-902-833

FY22

2,558-662-487

FY23

3,438-18664.4

FY24

4,977135353

FY25

6,794509670

FY26

Revenue · YoY (vs a year ago)

—+80%+34%+45%+37%

Net profit · YoY (vs a year ago)

—+42%+113%+448%+90%

RevenueOperating profitNet profitLine = trend

₹ Cr	FY22	FY23	FY24	FY25	FY26
Revenue	1,425	2,558	3,438	4,977	6,794
Other income	125	259	381	408	372
Total expenses	2,384	3,305	3,739	5,039	6,458
Employee cost	1,256	1,540	1,644	1,959	2,466
Operating profit	-902	-662	-186	135	509
OPM %	-63.3%	-25.9%	-5.4%	2.7%	7.5%
Finance cost	13.6	21.4	26.5	33.8	37.1
Depreciation	42.8	63.8	88.7	121	136
Profit before tax	-833	-488	79.1	387	709
Tax	-0.5	0.0	12.7	34.5	37.2
Tax rate %	—	—	16.0%	8.9%	5.3%
Net profit	-833	-488	64.4	353	670
Profit to shareholders	—	-487	—	353	670
Net margin %	-58.5%	-19.0%	1.9%	7.1%	9.9%
EPS (₹)	20.34	-10.97	1.45	7.65	14.16

Balance sheet

Assets and debt

At each year end (and the latest half year), ₹ crore.

Equity, debt and assets

5,47672.3

Mar 23

5,871325

Mar 24

6,432561

Mar 25

7,312746

Mar 26

7,775390

Sep 26

Shareholders' equity · YoY (vs a year ago)

—+7.2%+9.6%+14%—

Shareholders' equityBorrowingsCashLine = trend

₹ Cr	Mar 23	Mar 24	Mar 25	Mar 26	Sep 26
Shareholders' equity	5,476	5,871	6,432	7,312	7,775
Long-term borrowings	0.0	0.0	0.0	0.0	0.0
Short-term borrowings	0.0	0.0	0.0	0.0	0.0
Current liabilities	551	603	751	992	1,136
Fixed assets (PPE)	270	315	411	430	555
Inventories	0.0	0.0	0.0	0.0	0.0
Trade receivables	677	651	1,000	1,729	2,116
Cash & equivalents	72.3	325	561	746	390
Current assets	4,122	4,822	3,853	4,376	5,038
Total assets	6,254	6,729	7,529	8,707	9,375

Cash flow

Cash coming in and going out

For each financial year, ₹ crore. Free cash flow = cash from operations minus spending on fixed assets.

Operating, investing and financing cash

-1,568-2,1273,621

FY22

-29941.4-42.5

FY23

8.7301-56.8

FY24

-183458-72.7

FY25

41.5214-81.2

FY26

Operations · YoY (vs a year ago)

—+81%+103%-2,217%+123%

OperationsInvestingFinancingLine = trend

₹ Cr	FY22	FY23	FY24	FY25	FY26
Cash from operations	-1,568	-299	8.7	-183	41.5
Cash from investing	-2,127	41.4	301	458	214
Cash from financing	3,621	-42.5	-56.8	-72.7	-81.2
Spent on fixed assets	-32.7	-59.5	-63.4	-97.1	-79.9
Free cash flow	-1,601	-359	-54.7	-280	-38.4
Net cash flow	-73.1	-300	253	202	174

Shareholding

Who holds the shares

Promoter and public holding at each quarter end, as filed with NSE.

Holding over time

0.0%Dec 23

0.0%Mar 24

0.0%Jun 24

0.0%Sep 24

0.0%Dec 24

0.0%Mar 25

0.0%Jun 25

0.0%Sep 25

0.0%Dec 25

0.0%Mar 26

0.0%Jun 26

0.0%Sep 26

Promoter & groupPublic

Latest (30 Sep 2026)

0.0%promoter

Promoter & group: 0.00%
Public (FIIs, mutual funds, retail…): 99.86%
Employee trusts: 0.14%
Promoter change, last quarter: 0.00 pts

Dividends & news

Latest dividends and announcements

Dividends & corporate actions

No recent corporate actions.

Board meetings

the Half Yearly Unaudited Financial results of the Company for the period ended September 2026 and Other business.30-Oct-2026
the Half Yearly Unaudited Financial results of the Company for the period ended September 2026 and Other business.30-Oct-2026
the financial results for the period ended September 30, 2026 and other business matters30-Oct-2026
the Quarterly Unaudited Financial results of the Company for the period ended June 2026 and Other business.05-Aug-2026
the Quarterly Unaudited Financial results of the Company for the period ended June 2026 and Other business.05-Aug-2026

Filings with NSE

ESOP/ESOS/ESPS7 Nov
Analysts/Institutional Investor Meet/Con. Call Updates4 Nov
Copy of Newspaper Publication31 Oct
Analysts/Institutional Investor Meet/Con. Call Updates31 Oct
Outcome of Board Meeting30 Oct
Analysts/Institutional Investor Meet/Con. Call Updates27 Oct
Certificate under SEBI (Depositories and Participants) Regulations, 20189 Oct

Latest news

PB Fintech: Retailers buy, FPIs turn wary in Q2; who got right end of deal?Business Standard · 11 Nov, 7:14 am PB Fintech shares suffer Rs 37,000 crore shock in 4 days but Jefferies, Bernstein see up to 100% upsideThe Economic Times · 29 Sep, 12:30 pm Broader markets outperform: Mid, smallcaps gain for 4th straight day; PB Fintech, Paytm rally- Moneycontrol.comLinkedIn · 12 Nov, 5:33 pm PB Fintech Share Price: A 36% Crash Wasn’t Enough to Change Bernstein’s ₹2,310 TargetNiftyTrader · 28 Sep, 12:30 pm PB Fintech: What IRDAI's commission caps mean for its stockValue Research · 1 Oct, 12:30 pm Insurance Stocks Crash: PB Fintech, HDFC Life, Max Financial Shares Fall as IRDAI Proposes Dark Pattern BanIndia Infoline · 24 Sep, 12:30 pm PB Fintech shares snap seven-day losing streak, rise nearly 6%: Here's whyMoneycontrol.com · 6 Oct, 12:30 pm PB Fintech shares crash 43% in 4 sessions: What is driving the fall?BusinessLine · 29 Sep, 12:30 pm

About

About PB Fintech Limited

PB Fintech Limited is listed on the NSE under the symbol POLICYBZR and belongs to the Financial Services sector.

BRANDS

PaisabazaarPB PayPensionbazaarPolicybazaarPolicybazaar for Business

Company details

Company name: PB Fintech Limited
NSE symbol: POLICYBZR
BSE scrip code: 543390
ISIN: INE417T01026
Listed on: NSE, BSE
Series: EQ (normal equity)
Listed on NSE since: 15 Nov 2021
Face value: ₹2 per share
Market lot: 1 share
Shares issued: 46.28 crore
Index: NIFTY 500
Sector (NSE): Financial Services
Industry: Internet Software/Services
Managing director / CEO: Yashish Dahiya
Chair: Yashish Dahiya
Headquarters: Gurugram, Haryana, India
Registered address: Plot 119, Sector 44, Gurugram‐ 122001, Haryana
Founded: 2008
Employees: 28,330
Financial year: April to March
Results basis: Consolidated
Website: pbfintech.in

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Prices from NSE via Upstox. Financials from the company's results filed with NSE (XBRL); ratios are our own working. Profile from global-stock-logos (MIT). For information only, not a recommendation to buy or sell.

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PB Fintech Limited

Today

Ratios

Quarterly results

Revenue and net profit

Profit & loss

Sales, operating profit and net profit

Balance sheet

Equity, debt and assets

Cash flow

Operating, investing and financing cash

Shareholding

Holding over time

Latest (30 Sep 2026)

Dividends & news

Dividends & corporate actions

Board meetings

Filings with NSE

Latest news

About

Company details

Peers