Shares of PB Fintech were trading higher at Rs 1,801.60, a rise of 2.22% in Monday's session at 12:56 pm. The stock is currently trading on the NIFTY MIDCAP 150.
Financial Performance:
Consolidated Financials:
PB Fintech's consolidated revenue has shown substantial growth over the past few years. The annual revenue increased from Rs 886.66 Crore in 2021 to Rs 4,977.21 Crore in 2025. Net profit has also turned positive, with a profit of Rs 352.90 Crore in 2025 compared to a loss of Rs 150.24 Crore in 2021.
The company's quarterly revenue also reflects consistent growth, rising from Rs 1,089.57 Crore in March 2024 to Rs 1,507.87 Crore in March 2025. The net profit for the same period increased significantly from Rs 60.66 Crore to Rs 170.88 Crore. The EPS has increased from Rs 1.35 in March 2024 to Rs 3.73 in March 2025.
| 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 | Rs 1.14 | Rs 5.48 |
| Debt to Equity | Rs 0.00 | Rs 0.00 | Rs 0.00 | Rs 0.00 | Rs 0.00 |
Standalone Financials:
The standalone annual income statement for PB Fintech shows fluctuating figures. Sales increased from Rs 103 in March 2022 to Rs 123 in March 2025. The net profit, however, has varied significantly, with a profit of Rs 19 in March 2025, compared to a loss of Rs 299 in March 2022.
Quarterly results also show variability. Sales increased from Rs 34 in March 2024 to Rs 46 in March 2025. The net profit was a loss of Rs 15 in March 2025, compared to a profit of Rs 9 in June 2024.
| 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 |
| 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:
The standalone balance sheet shows that total liabilities increased from Rs 2,998 in March 2021 to Rs 8,059 in March 2025. Total assets also increased from Rs 2,998 in March 2021 to Rs 8,059 in March 2025.
| 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:
The standalone cash flow statement shows that net cash flow was Rs 210 in March 2025, compared to Rs -436 in March 2021.
| 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 |
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.
| 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 [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 Ltd has announced an analyst/investor meet scheduled from August 06, 2025, to August 08, 2025. Additionally, there will be an earnings call for Q1FY 2025-26. The Board of Directors will meet on July 31, 2025, to approve the unaudited financial results for Q1FY26 (standalone & consolidated).
With the stock's last traded price at Rs 1,801.60, PB Fintech has seen a rise of 2.22% in Monday's session.
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