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:
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Revenue | Rs 886.66 Crore | Rs 1,424.89 Crore | Rs 2,557.85 Crore | Rs 3,437.68 Crore | Rs 4,977.21 Crore |
| Net Profit | Rs -150.24 Crore | Rs -832.87 Crore | Rs -487.77 Crore | Rs 66.43 Crore | Rs 352.90 Crore |
| EPS | Rs -2,056.23 | Rs -20.34 | Rs -10.97 | Rs 1.50 | Rs 7.77 |
| BVPS | Rs 87,304.61 | Rs 120.39 | Rs 121.85 | Rs 130.24 | Rs 140.06 |
| ROE | -7.54 | -15.39 | -8.89 | 1.14 | 5.48 |
| Debt to Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Standalone Income Statement (Annual):
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Sales | 123 | 103 | 134 | 110 | 153 |
| Other Income | 56 | 114 | 194 | 252 | 258 |
| Total Income | 179 | 217 | 328 | 362 | 411 |
| Total Expenditure | 150 | 516 | 402 | 317 | 396 |
| EBIT | 28 | -299 | -73 | 44 | 15 |
| Interest | 1 | 1 | 0 | 0 | 0 |
| Tax | 8 | 0 | 0 | 8 | 1 |
| Net Profit | 19 | -299 | -74 | 36 | 13 |
Standalone Income Statement (Quarterly):
| Particulars | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Sales | 34 | 30 | 37 | 38 | 46 |
| Other Income | 63 | 62 | 67 | 65 | 63 |
| Total Income | 97 | 92 | 105 | 104 | 110 |
| Total Expenditure | 104 | 80 | 98 | 86 | 131 |
| EBIT | -6 | 11 | 6 | 18 | -21 |
| Interest | 0 | 0 | 0 | 0 | 0 |
| Tax | 8 | 1 | 0 | 4 | -5 |
| Net Profit | -14 | 9 | 5 | 13 | -15 |
Balance Sheet (Standalone):
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Share Capital | 0 | 89 | 90 | 90 | 91 |
| Reserves & Surplus | 2,939 | 6,804 | 7,272 | 7,639 | 7,865 |
| Current Liabilities | 43 | 18 | 16 | 72 | 99 |
| Other Liabilities | 15 | 11 | 7 | 3 | 2 |
| Total Liabilities | 2,998 | 6,924 | 7,387 | 7,805 | 8,059 |
| Fixed Assets | 15 | 11 | 8 | 5 | 2 |
| Current Assets | 1,811 | 4,677 | 2,189 | 2,869 | 2,043 |
| Other Assets | 1,171 | 2,235 | 5,189 | 4,930 | 6,013 |
| Total Assets | 2,998 | 6,924 | 7,387 | 7,805 | 8,059 |
| Contingent Liabilities | 26 | 25 | 68 | 89 | 0 |
Cash Flow (Standalone):
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Operating Activities | 70 | -56 | -4 | 42 | -102 |
| Investing Activities | -1,282 | -3,748 | -179 | 95 | 315 |
| Financing Activities | 776 | 3,641 | -3 | -3 | -2 |
| Others | 0 | 0 | 0 | 0 | 0 |
| Net Cash Flow | -436 | -163 | -188 | 134 | 210 |
Key Financial Ratios (Standalone):
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Basic EPS (Rs.) | 260.14 | -7.32 | -1.67 | 0.81 | 0.30 |
| Diluted EPS (Rs.) | 256.96 | -7.32 | -1.67 | 0.78 | 0.29 |
| Book Value / Share (Rs.) | 128,938.86 | 153.39 | 163.57 | 171.31 | 173.27 |
| Dividend/Share (Rs.) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Face Value | 2 | 2 | 2 | 2 | 2 |
| Gross Profit Margin (%) | 28.30 | -286.09 | -51.82 | 43.69 | 2.69 |
| Operating Margin (%) | 25.22 | -289.86 | -54.61 | 40.92 | 0.56 |
| Net Profit Margin (%) | 15.40 | -290.43 | -55.28 | 32.81 | 8.77 |
| Return on Networth (%) | 0.64 | -4.34 | -1.00 | 0.46 | 0.16 |
| ROCE (%) | 1.05 | -4.33 | -0.99 | 0.58 | 0.01 |
| Return On Assets (%) | 0.63 | -4.32 | -1.00 | 0.46 | 0.16 |
| Current Ratio (X) | 41.95 | 258.19 | 133.00 | 39.48 | 20.53 |
| Quick Ratio (X) | 41.95 | 258.19 | 133.00 | 39.48 | 20.53 |
| Debt to Equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratios (X) | 21.82 | -257.05 | -77.50 | 77.73 | 14.79 |
| Asset Turnover Ratio (%) | 4.11 | 0.02 | 0.02 | 0.01 | 0.02 |
| Inventory Turnover Ratio (X) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 3 Yr CAGR Sales (%) | 24.87 | 43.72 | 48.16 | -5.47 | 21.95 |
| 3 Yr CAGR Net Profit (%) | -36.22 | 335.37 | 175.93 | 37.98 | -78.80 |
| P/E (x) | 0.00 | -94.85 | -382.57 | 1387.96 | 5299.17 |
| P/B (x) | 0.00 | 4.52 | 3.91 | 6.56 | 9.17 |
| EV/EBITDA (x) | 0.00 | -94.56 | -406.59 | 1041.70 | 17,490.09 |
| P/S (x) | 0.00 | 301.97 | 214.36 | 459.76 | 475.68 |
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.
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