PB Fintech shares experienced a surge in trading volume, gaining 2.07% to reach Rs 1,868.00 in Thursday's session. The stock's movement was particularly notable with high volume. The stock is a constituent of the Nifty Midcap 150 index and the trading session occurred at 1:50 pm.
Financial Snapshot
A review of PB Fintech's financial performance reveals the following:
Consolidated Quarterly Results:
Here is a summary of the consolidated quarterly results:
| Heading | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|
| Revenue | Rs 1,010.49 Crore | Rs 1,167.23 Crore | Rs 1,291.62 Crore | Rs 1,507.87 Crore | Rs 1,347.99 Crore |
| Net Profit | Rs 59.85 Crore | Rs 50.57 Crore | Rs 71.60 Crore | Rs 170.88 Crore | Rs 83.20 Crore |
| EPS | 1.34 | 1.12 | 1.57 | 3.73 | 1.85 |
The revenue for PB Fintech has shown an increasing trend over the past five quarters. The revenue increased from Rs 1,010.49 Crore in Jun 2024 to Rs 1,347.99 Crore in Jun 2025. Net profit also saw significant growth, increasing from Rs 59.85 Crore in Jun 2024 to Rs 83.20 Crore in Jun 2025.
Consolidated Yearly Results:
The consolidated yearly results are as follows:
| Heading | 2021 | 2022 | 2023 | 2024 | 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 | -2,056.23 | -20.34 | -10.97 | 1.50 | 7.77 |
| BVPS | 87,304.61 | 120.39 | 121.85 | 130.24 | 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 yearly revenue has consistently increased from Rs 886.66 Crore in 2021 to Rs 4,977.21 Crore in 2025. Net profit has also shown a positive trend, turning from a loss of Rs -150.24 Crore in 2021 to a profit of Rs 352.90 Crore in 2025.
Standalone Yearly Income Statement:
| 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 sales for PB Fintech, on a standalone basis, increased from Rs 123 Crore in March 2021 to Rs 153 Crore in March 2025. However, the net profit saw fluctuations, with a profit of Rs 19 Crore in March 2021, a loss of Rs -299 Crore in March 2022, and a profit of Rs 13 Crore in March 2025.
Standalone Quarterly Income Statement:
| Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | |
|---|---|---|---|---|---|
| Sales | 30 | 37 | 38 | 46 | 40 |
| 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 |
On a standalone quarterly basis, sales for PB Fintech increased from Rs 30 Crore in June 2024 to Rs 40 Crore in June 2025. The net profit, however, fluctuated, starting at Rs 9 Crore in June 2024, reaching Rs 7 Crore in June 2025.
Cash Flow:
| 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 |
Balance Sheet:
| 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 |
Financial Ratios:
| Ratio | 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 [Excl. Reval Reserve]/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 / Equity (%) | 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 | 1,041.70 | 17,490.09 |
| P/S (x) | 0.00 | 301.97 | 214.36 | 459.76 | 475.68 |
Corporate Actions
PB Fintech has made several corporate announcements recently:
- On August 29, 2025, the company disclosed information under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015.
- On August 27, 2025, there was an announcement regarding a change in the directorate, specifically the re-appointment of directors, under Regulation 30 (LODR).
- On August 26, 2025, PB Fintech announced grants of stock options under the PB Fintech Employees Stock Option Plan 2021.
Market Sentiment
According to a Moneycontrol analysis dated August 28, 2025, the sentiment surrounding PB Fintech is neutral.
With the stock's last traded price at Rs 1,868.00, PB Fintech demonstrated strong market activity, driven by a notable surge in trading volume.
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