Shares of PB Fintech gained 2.03% to trade at Rs 1,806.70 in Monday's session. The stock was among the top gainers on the Nifty Midcap 150 index at 12:31 pm.
Financial Performance
PB Fintech's consolidated financial performance shows the following trends:
Revenue
The company's quarterly revenue has shown consistent growth in recent periods. Revenue for the quarter-ending June 2025 stood at Rs 1,347.99 Crore, compared to Rs 1,010.49 Crore in June 2024. Annually, the revenue increased from Rs 3,437.68 Crore in 2024 to Rs 4,977.21 Crore in 2025.
| Quarter | Revenue (Rs Crore) |
|---|---|
| Jun 2024 | 1,010.49 |
| Sep 2024 | 1,167.23 |
| Dec 2024 | 1,291.62 |
| Mar 2025 | 1,507.87 |
| Jun 2025 | 1,347.99 |
| Year | Revenue (Rs Crore) |
|---|---|
| 2021 | 886.66 |
| 2022 | 1,424.89 |
| 2023 | 2,557.85 |
| 2024 | 3,437.68 |
| 2025 | 4,977.21 |
Net Profit
The company's net profit has also seen a significant turnaround. The net profit for the quarter-ending June 2025 was Rs 83.20 Crore, compared to Rs 59.85 Crore in June 2024. The annual net profit improved from Rs 66.43 Crore in 2024 to Rs 352.90 Crore in 2025.
| Quarter | Net Profit (Rs Crore) |
|---|---|
| Jun 2024 | 59.85 |
| Sep 2024 | 50.57 |
| Dec 2024 | 71.60 |
| Mar 2025 | 170.88 |
| Jun 2025 | 83.20 |
| Year | Net Profit (Rs Crore) |
|---|---|
| 2021 | -150.24 |
| 2022 | -832.87 |
| 2023 | -487.77 |
| 2024 | 66.43 |
| 2025 | 352.90 |
Earnings Per Share (EPS)
The company's EPS has also improved significantly. The EPS for the quarter-ending June 2025 was Rs 1.85, compared to Rs 1.34 in June 2024. The annual EPS increased from Rs 1.50 in 2024 to Rs 7.77 in 2025.
| Quarter | EPS |
|---|---|
| Jun 2024 | 1.34 |
| Sep 2024 | 1.12 |
| Dec 2024 | 1.57 |
| Mar 2025 | 3.73 |
| Jun 2025 | 1.85 |
| Year | EPS |
|---|---|
| 2021 | -2,056.23 |
| 2022 | -20.34 |
| 2023 | -10.97 |
| 2024 | 1.50 |
| 2025 | 7.77 |
Standalone Financials
The standalone annual income statement shows that sales increased from Rs 103 in March 2022 to Rs 123 in March 2025. The net profit has also improved from a loss of Rs 299 in March 2022 to a profit of Rs 19 in March 2025.
| Standalone (Annual) | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|
| 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 Financials (Quarterly)
The standalone quarterly income statement shows that sales increased from Rs 30 in June 2024 to Rs 40 in June 2025. The net profit has also improved from a profit of Rs 9 in June 2024 to a profit of Rs 7 in June 2025.
| Standalone (Quarterly) | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|---|
| Sales | 40 | 37 | 38 | 46 | 30 |
| Other Income | 62 | 67 | 65 | 63 | 56 |
| Total Income | 92 | 105 | 104 | 110 | 96 |
| Total Expenditure | 80 | 98 | 86 | 131 | 88 |
| EBIT | 11 | 6 | 18 | -21 | 8 |
| Interest | 0 | 0 | 0 | 0 | 0 |
| Tax | 1 | 0 | 4 | -5 | 0 |
| Net Profit | 9 | 5 | 13 | -15 | 7 |
Balance Sheet
The standalone balance sheet shows that total assets increased from Rs 2,998 in March 2021 to Rs 8,059 in March 2025.
| Balance Sheet | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|
| Share Capital | 91 | 90 | 90 | 89 | 0 |
| Reserves & Surplus | 7,865 | 7,639 | 7,272 | 6,804 | 2,939 |
| Current Liabilities | 99 | 72 | 16 | 18 | 43 |
| Other Liabilities | 2 | 3 | 7 | 11 | 15 |
| Total Liabilities | 8,059 | 7,805 | 7,387 | 6,924 | 2,998 |
| Fixed Assets | 2 | 5 | 8 | 11 | 15 |
| Current Assets | 2,043 | 2,869 | 2,189 | 4,677 | 1,811 |
| Other Assets | 6,013 | 4,930 | 5,189 | 2,235 | 1,171 |
| Total Assets | 8,059 | 7,805 | 7,387 | 6,924 | 2,998 |
| Contingent Liabilities | 0 | 89 | 68 | 25 | 26 |
Cash Flow
The standalone cash flow statement shows that net cash flow increased from -Rs 436 in March 2021 to Rs 210 in March 2025.
| Cash Flow | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|
| Operating Activities | -102 | 42 | -4 | -56 | 70 |
| Investing Activities | 315 | 95 | -179 | -3,748 | -1,282 |
| Financing Activities | -2 | -3 | -3 | 3,641 | 776 |
| Others | 0 | 0 | 0 | 0 | 0 |
| Net Cash Flow | 210 | 134 | -188 | -163 | -436 |
Key Ratios
Key financial ratios for PB Fintech show a P/E ratio of 5299.17 and a P/B ratio of 9.17 as of March 2025. The company reported a debt-to-equity ratio of 0.00 as of the year-ending March 2025.
The company made several announcements, including disclosures under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, and grants of stock options under the PB Fintech Employees Stock Option Plan 2021.
With the stock's last traded price at Rs 1,806.70, PB Fintech has seen a gain during today's session and is among top gainers on Nifty Midcap 150.
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