PB Fintech-Policybazaar shares fall 2%, among top midcap losers in morning trading session

Shares of PB Fintech declined by 2% to trade at Rs 1,795.40 in Friday's trading session. This movement places the stock among the losers on the Nifty Midcap 150 index. The decline occurred around 10:13 am.

Financial Performance:

The following table summarizes the key financial data for PB Fintech:

ParticularsMar 2021Mar 2022Mar 2023Mar 2024

Mar 2025RevenueRs 886.66 CroreRs 1,424.89 CroreRs 2,557.85 CroreRs 3,437.68 Crore

Rs 4,977.21 CroreNet ProfitRs -150.24 CroreRs -832.87 CroreRs -487.77 CroreRs 66.43 Crore

Rs 352.90 CroreEPSRs -2,056.23Rs -20.34Rs -10.97Rs 1.50

Rs 7.77BVPSRs 87,304.61Rs 120.39Rs 121.85Rs 130.24

Rs 140.06ROE-7.54-15.39-8.891.14

5.48Debt to Equity0.000.000.000.00

0.00

The consolidated revenue for PB Fintech has shown a consistent increase over the years, from Rs 886.66 Crore in 2021 to Rs 4,977.21 Crore in 2025. The net profit has turned positive in the last two years, with a profit of Rs 352.90 Crore in 2025 compared to a loss of Rs 150.24 Crore in 2021.

Standalone Income Statement (Annual):

ParticularsMar 2021Mar 2022Mar 2023Mar 2024

Mar 2025Sales123103134110

153Other Income56114194252

258Total Income179217328362

411Total Expenditure150516402317

396EBIT28-299-7344

15Interest1100

0Tax8008

1Net Profit19-299-7436

13

The standalone annual sales for PB Fintech increased from 110 in March 2024 to 153 in March 2025. The company's net profit stood at 13 in March 2025, compared to 36 in March 2024.

Standalone Income Statement (Quarterly):

ParticularsMar 2024Jun 2024Sep 2024Dec 2024

Mar 2025Sales34303738

46Other Income63626765

63Total Income9792105104

110Total Expenditure104809886

131EBIT-611618

-21Interest0000

0Tax8104

-5Net Profit-149513

-15

The standalone quarterly sales for PB Fintech increased from 34 in March 2024 to 46 in March 2025. The company's net profit stood at -15 in March 2025, compared to -14 in March 2024.

Balance Sheet (Standalone):

ParticularsMar 2021Mar 2022Mar 2023Mar 2024

Mar 2025Share Capital0899090

91Reserves & Surplus2,9396,8047,2727,639

7,865Current Liabilities43181672

99Other Liabilities151173

2Total Liabilities2,9986,9247,3877,805

8,059Fixed Assets151185

2Current Assets1,8114,6772,1892,869

2,043Other Assets1,1712,2355,1894,930

6,013Total Assets2,9986,9247,3877,805

8,059Contingent Liabilities26256889

0

The total assets of PB Fintech increased from Rs 2,998 in March 2021 to Rs 8,059 in March 2025. The reserves and surplus also increased from Rs 2,939 to Rs 7,865 during the same period.

Cash Flow (Standalone):

ParticularsMar 2021Mar 2022Mar 2023Mar 2024

Mar 2025Operating Activities70-56-442

-102Investing Activities-1,282-3,748-17995

315Financing Activities7763,641-3-3

-2Others0000

0Net Cash Flow-436-163-188134

210

PB Fintech's net cash flow has improved, with a cash flow of Rs 210 in March 2025 compared to a cash flow of Rs -436 in March 2021.

Key Financial Ratios (Standalone):

ParticularsMar 2021Mar 2022Mar 2023Mar 2024

Mar 2025Basic EPS (Rs.)260.14-7.32-1.670.81

0.30Diluted EPS (Rs.)256.96-7.32-1.670.78

0.29Book Value / Share (Rs.)128,938.86153.39163.57171.31

173.27Dividend/Share (Rs.)0.000.000.000.00

0.00Face Value2222

2Gross Profit Margin (%)28.30-286.09-51.8243.69

2.69Operating Margin (%)25.22-289.86-54.6140.92

0.56Net Profit Margin (%)15.40-290.43-55.2832.81

8.77Return on Networth (%)0.64-4.34-1.000.46

0.16ROCE (%)1.05-4.33-0.990.58

0.01Return On Assets (%)0.63-4.32-1.000.46

0.16Current Ratio (X)41.95258.19133.0039.48

20.53Quick Ratio (X)41.95258.19133.0039.48

20.53Debt to Equity (x)0.000.000.000.00

0.00Interest Coverage Ratios (X)21.82-257.05-77.5077.73

14.79Asset Turnover Ratio (%)4.110.020.020.01

0.02Inventory Turnover Ratio (X)0.000.000.000.00

0.003 Yr CAGR Sales (%)24.8743.7248.16-5.47

21.953 Yr CAGR Net Profit (%)-36.22335.37175.9337.98

-78.80P/E (x)0.00-94.85-382.571387.96

5299.17P/B (x)0.004.523.916.56

9.17EV/EBITDA (x)0.00-94.56-406.591041.70

17,490.09P/S (x)0.00301.97214.36459.76

475.68

Corporate Actions:

PB Fintech has announced updates on the incorporation of a step-down subsidiary in Dubai on July 9, 2025. Additionally, the company has announced the closure of the trading window on June 30, 2025 and June 27, 2025.

Moneycontrol analysis, as of July 8, 2025, indicates a bullish sentiment for the stock.With the stock currently trading at Rs 1,795.40, PB Fintech has experienced a downturn in today's session, reflecting broader market dynamics.