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 |
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):
| 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 |
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):
| 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 |
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):
| 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 |
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):
| 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 |
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):
| 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 |
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.
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