Insurance
PB Fintech Ltd
POLICYBZR · NSE · INE417T01026Thursday, 10 Sept 202610:46 am
Market Cap₹82,778 Cr
P/E110.6
P/B11.3
EPS₹16.2
Div Yield—
ROE9.8%
ROCE—
ROE9.8%
1Y Return+6.93%
Avg. Volume1.1M
Price Chart
52-Week Range
About
PB Fintech Ltd is a Insurance company listed on NSE.
Technicals
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Key Ratios
Market Cap₹82,778 Cr
Current Price₹1,791.4
52W High / Low₹1,964.2 / ₹1,364
Stock P/E110.6
Price to Book11.3
EPS (TTM)₹16.2
Dividend Yield—
ROE9.8%
1Y Return+6.93%
Day Change-0.44%
Profit & Loss
| Period | FY26 | FY25 | FY24 | FY23 |
|---|---|---|---|---|
| Sales | ₹6,794 Cr | ₹4,977 Cr | ₹3,438 Cr | |
| Expenses | ₹6,377 Cr | ₹4,991 Cr | ₹3,712 Cr | |
| Operating Profit | ₹417 Cr | ₹-14 Cr | ₹-275 Cr | |
| OPM % | 6.1% | -0.3% | -8.0% | |
| Other Income | ₹1 Cr | ₹0 Cr | ₹0 Cr | |
| Depreciation | ₹136 Cr | ₹121 Cr | ₹89 Cr | |
| Interest | ₹37 Cr | ₹34 Cr | ₹26 Cr | |
| Profit Before Tax | ₹707 Cr | ₹387 Cr | ₹77 Cr | |
| Tax | ₹37 Cr | ₹34 Cr | ₹13 Cr | |
| Net Profit | ₹670 Cr | ₹352 Cr | ₹64 Cr | |
| EPS (₹) | 14.5 | 7.6 | 1.5 | |
| Dividend Payout % | — | — | — |
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Quarterly Results
| Quarter | Jun 2026 | Mar 2026 | Dec 2025 | Jun 2025 | Mar 2025 |
|---|---|---|---|---|---|
| Sales | ₹1,888 Cr | ₹2,061 Cr | ₹1,771 Cr | ₹1,348 Cr | |
| Expenses | ₹1,789 Cr | ₹1,878 Cr | ₹1,646 Cr | ₹1,347 Cr | |
| Operating Profit | ₹99 Cr | ₹183 Cr | ₹125 Cr | ₹1 Cr | |
| OPM % | 5.3% | 8.9% | 7.1% | 0.1% | |
| Depreciation | — | — | — | — | |
| Interest | ₹11 Cr | ₹10 Cr | ₹9 Cr | ₹9 Cr | |
| Net Profit | ₹163 Cr | ₹261 Cr | ₹189 Cr | ₹85 Cr | |
| EPS (₹) | 3.5 | 5.6 | 4.1 | 1.8 |
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Balance Sheet
| Period | FY26 | FY25 | FY24 | FY23 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity Capital | ₹93 Cr | ₹92 Cr | ₹90 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reserves | ₹7,219 Cr | ₹6,341 Cr | ₹5,781 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Borrowings | ₹360 Cr | ₹322 Cr | ₹253 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Other Liabilities | ₹1,035 Cr | ₹776 Cr | ₹604 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ₹8,707 Cr | ₹7,531 Cr | ₹6,729 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Assets | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Fixed Assets | ₹437 Cr | ₹411 Cr | ₹316 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Investments | ₹553 Cr | ₹15 Cr | ₹45 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Receivables | ₹1,729 Cr | ₹1,000 Cr | ₹634 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Inventory | — | — | — | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash & Equivalents | ₹746 Cr | ₹561 Cr | ₹325 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Other Assets | — | — | — | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Assets | ₹8,707 Cr | ₹7,531 Cr | ₹6,729 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Cash Flow
| Period | Operating | Investing | Financing | Net Cash Flow |
|---|---|---|---|---|
| FY26 | ₹41 Cr | ₹214 Cr | ₹-81 Cr | ₹174 Cr |
| FY25 | ₹-183 Cr | ₹458 Cr | ₹-73 Cr | ₹202 Cr |
| FY24 | ₹9 Cr | ₹301 Cr | ₹-57 Cr | ₹253 Cr |
| FY23 |
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Peer Comparison
| Company | M.Cap | P/E | ROE | 1Y Return |
|---|---|---|---|---|
| HDFC Life Insurance Company Ltd | — | — | +11.28% | -31.84% |
| Life Insurance Corporation of India | — | — | +37.8% | -50.83% |
| General Insurance Corporation of India | ₹60,281 Cr | 6.8 | +14.64% | -6.26% |
| Max Financial Services Ltd | ₹50,509 Cr | 465.0 | +1.52% | -11.57% |
| The New India Assurance Company Ltd | ₹32,670 Cr | 42.5 | +4.92% | +37.77% |
Mutual Fund Holdings
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