Nifty

:

23907.25

Sensex

:

79117.11

557.35 (2.39%)
1961.32 (2.54%)

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Nifty
Sensex

:
:

23907.25
79117.11

557.35 (2.39%)
1961.32 (2.54%)

PB Fintech Ltd.

Fintech

Rating :

N/A

BSE: 543390 | NSE: POLICYBZR

Watchlist

NSE BSE

1379.45

05-Jul-2024

Open
High
Low
Previous Close

1411.30
1420.30
1375.00
1420.25

Volume
Traded Value (lacs)
52 Week High
52 Week Low

826222
11503.26
1966.50
725.25

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

78,149.98
373.06
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

77,831.55
N/A
12.80

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

46.10
34.84
34.12

EBITDA CAGR (%)

10 Years
5 Years
3 Years

10.41
-10.27
-27.08

PAT CAGR (%)

10 Years
5 Years
3 Years

-
30.02
-

P:E (Median)

8 Years
5 Years
3 Years

-
-
-

P:BV (Average)

8 Years
5 Years
3 Years

-
-
6.87

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
-100.22

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 37.63 13.62 176.28% 30.07 35.22 -14.62% 34.31 43.39 -20.93% 27.14 31.99 -15.16%
Expenses 98.13 74.71 31.35% 82.91 73.90 12.19% 103.16 71.62 44.04% 62.44 78.21 -20.16%
EBITDA -60.50 -61.09 - -52.84 -38.68 - -68.85 -28.23 - -35.30 -46.22 -
EBIDTM -160.78% -448.53% -175.72% -109.82% -200.67% -65.06% -130.07% -144.49%
Other Income 67.71 63.90 5.96% 62.20 61.69 0.83% 63.37 58.80 7.77% 63.15 45.04 40.21%
Interest 0.09 0.17 -47.06% 0.10 0.18 -44.44% 0.13 0.21 -38.10% 0.14 0.21 -33.33%
Depreciation 0.81 0.75 8.00% 0.81 0.81 0.00% 0.74 0.93 -20.43% 0.75 0.94 -20.21%
PBT 6.31 1.89 233.86% 11.67 22.02 -47.00% -6.62 29.43 - 26.96 -2.34 -
Tax 0.92 0.00 0 1.77 0.00 0 8.06 0.00 0 0.00 0.00 0
PAT 5.39 1.89 185.19% 9.90 22.02 -55.04% -14.68 29.43 - 26.96 -2.34 -
PATM 14.32% 13.88% 32.92% 62.52% -42.79% 67.83% 99.34% -7.31%
EPS 0.12 0.04 200.00% 0.22 0.48 -54.17% -0.32 0.65 - 0.59 -0.05 -

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 1,167.23 811.63 43.81% 1,010.49 665.59 51.82% 1,089.57 869.10 25.37% 870.89 610.09 42.75%
Expenses 1,175.02 900.72 30.45% 1,049.74 742.68 41.34% 1,084.15 937.15 15.69% 896.39 743.29 20.60%
EBITDA -7.79 -89.09 - -39.25 -77.09 - 5.42 -68.05 - -25.50 -133.20 -
EBIDTM -0.67% -10.98% -3.88% -11.58% 0.50% -7.83% -2.93% -21.83%
Other Income 106.00 97.49 8.73% 100.26 91.16 9.98% 98.31 82.24 19.54% 93.61 68.91 35.84%
Interest 8.98 7.18 25.07% 6.37 6.27 1.59% 6.57 6.17 6.48% 6.44 5.56 15.83%
Depreciation 29.39 22.32 31.68% 25.02 19.52 28.18% 23.80 17.49 36.08% 23.08 17.52 31.74%
PBT 59.84 -21.10 - 70.67 -11.72 - 73.36 -9.47 - 38.59 -87.38 -
Tax 9.27 -0.32 - 10.82 0.32 3,281.25% 12.70 -0.03 - 0.00 0.03 -100.00%
PAT 50.57 -20.78 - 59.85 -12.04 - 60.66 -9.44 - 38.59 -87.40 -
PATM 4.33% -2.56% 5.92% -1.81% 5.57% -1.09% 4.43% -14.33%
EPS 1.11 -0.45 - 1.32 -0.25 - 1.34 -0.20 - 0.84 -1.94 -

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12
Net Sales 129.15 110.29 134.15 103.18 123.42 61.11 50.11 29.26 31.68 27.08 22.61 Net Sales Growth 3.97% -17.79% 30.02% -16.40% 101.96% 21.95% 71.26% -7.64% 16.99% 19.77% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 129.15 110.29 134.15 103.18 123.42 61.11 50.11 29.26 31.68 27.08 22.61 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 346.64 314.14 400.35 512.60 143.61 89.27 146.26 96.73 45.20 38.26 31.93 Power & Fuel Cost - 0.57 0.57 0.29 0.53 0.35 0.50 0.84 0.48 0.00 0.00 % Of Sales - 0.52% 0.42% 0.28% 0.43% 0.57% 1.00% 2.87% 1.52% 0% 0% Employee Cost - 238.39 381.98 483.80 130.45 76.15 34.31 35.49 14.92 0.00 0.00 % Of Sales - 216.15% 284.74% 468.89% 105.70% 124.61% 68.47% 121.29% 47.10% 0% 0% Manufacturing Exp. - 0.00 0.00 0.00 0.00 0.00 0.28 0.33 0.46 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0.56% 1.13% 1.45% 0% 0% General & Admin Exp. - 12.16 12.12 23.94 10.17 9.27 8.04 4.93 3.91 38.26 31.93 % Of Sales - 11.03% 9.03% 23.20% 8.24% 15.17% 16.04% 16.85% 12.34% 141.29% 141.22% Selling & Distn. Exp. - 62.82 3.03 3.78 2.25 3.33 75.56 52.03 22.22 0.00 0.00 % Of Sales - 56.96% 2.26% 3.66% 1.82% 5.45% 150.79% 177.82% 70.14% 0% 0% Miscellaneous Exp. - 0.20 2.65 0.79 0.20 0.16 27.57 3.10 3.22 0.00 0.00 % Of Sales - 0.18% 1.98% 0.77% 0.16% 0.26% 55.02% 10.59% 10.16% 0% 0% EBITDA -217.49 -203.85 -266.20 -409.42 -20.19 -28.16 -96.15 -67.47 -13.52 -11.18 -9.32 EBITDA Margin -168.40% -184.83% -198.43% -396.80% -16.36% -46.08% -191.88% -230.59% -42.68% -41.29% -41.22% Other Income 256.43 252.11 196.79 114.25 56.02 86.88 18.91 7.04 1.21 0.00 0.00 Interest 0.46 0.69 1.00 1.18 2.33 1.44 0.00 0.01 0.00 0.00 0.00 Depreciation 3.11 3.05 3.74 3.90 3.80 9.20 2.25 1.15 0.64 1.55 0.90 PBT 38.32 44.52 -74.15 -300.25 29.70 48.09 -79.49 -61.59 -12.96 -12.72 -10.22 Tax 10.75 8.06 0.00 -0.56 8.33 9.18 0.00 0.00 0.00 0.00 0.00 Tax Rate 28.05% 18.21% 0.00% 0.19% 30.48% 48.49% 0.00% 0.00% 0.00% 0.00% 0.00% PAT 27.57 36.19 -74.15 -299.68 19.01 9.74 -79.49 -61.59 -12.96 -12.72 -10.22 PAT before Minority Interest 27.57 36.19 -74.15 -299.68 19.01 9.74 -79.49 -61.59 -12.96 -12.72 -10.22 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 21.35% 32.81% -55.27% -290.44% 15.40% 15.94% -158.63% -210.49% -40.91% -46.97% -45.20% PAT Growth -45.94% - - - 95.17% - - - - - EPS 0.60 0.79 -1.63 -6.57 0.42 0.21 -1.74 -1.35 -0.28 -0.28 -0.22

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 16 Mar 15
Net Sales 4,138.18 3,437.68 2,557.85 1,424.89 886.66 771.30 90.04 77.57 Net Sales Growth 39.97% 34.40% 79.51% 60.70% 14.96% 756.62% 16.08% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 4,138.18 3,437.68 2,557.85 1,424.89 886.66 771.30 90.04 77.57 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 4,205.30 3,623.68 3,219.21 2,327.03 1,046.29 1,091.06 216.33 146.67 Power & Fuel Cost - 16.30 12.00 6.87 4.22 7.54 2.71 1.77 % Of Sales - 0.47% 0.47% 0.48% 0.48% 0.98% 3.01% 2.28% Employee Cost - 1,644.12 1,539.60 1,255.54 554.05 520.85 94.96 74.32 % Of Sales - 47.83% 60.19% 88.11% 62.49% 67.53% 105.46% 95.81% Manufacturing Exp. - 42.98 19.47 2.19 0.00 0.00 0.73 0.95 % Of Sales - 1.25% 0.76% 0.15% 0% 0% 0.81% 1.22% General & Admin Exp. - 307.88 239.49 182.88 116.83 113.20 20.39 11.25 % Of Sales - 8.96% 9.36% 12.83% 13.18% 14.68% 22.65% 14.50% Selling & Distn. Exp. - 1,593.57 1,399.30 870.90 367.87 445.22 86.70 51.93 % Of Sales - 46.36% 54.71% 61.12% 41.49% 57.72% 96.29% 66.95% Miscellaneous Exp. - 18.83 9.35 8.64 3.32 4.24 10.84 6.45 % Of Sales - 0.55% 0.37% 0.61% 0.37% 0.55% 12.04% 8.32% EBITDA -67.12 -186.00 -661.36 -902.14 -159.63 -319.76 -126.29 -69.10 EBITDA Margin -1.62% -5.41% -25.86% -63.31% -18.00% -41.46% -140.26% -89.08% Other Income 398.18 380.57 258.99 125.39 70.75 84.27 19.50 7.31 Interest 28.36 26.72 21.60 13.76 11.66 12.05 0.01 0.01 Depreciation 101.29 88.72 63.82 42.84 41.38 47.30 3.36 1.97 PBT 242.46 79.13 -487.79 -833.35 -141.91 -294.84 -110.16 -63.77 Tax 32.79 12.70 -0.02 -0.48 8.33 9.19 0.00 0.02 Tax Rate 13.52% 16.05% 0.00% 0.06% -5.87% -3.12% 0.00% -0.03% PAT 209.67 66.98 -487.22 -832.91 -150.24 -304.03 -110.16 -63.79 PAT before Minority Interest 210.78 64.41 -487.94 -832.91 -150.24 -304.03 -110.16 -63.79 Minority Interest 1.11 2.57 0.72 0.00 0.00 0.00 0.00 0.00 PAT Margin 5.07% 1.95% -19.05% -58.45% -16.94% -39.42% -122.35% -82.24% PAT Growth 261.71% - - - - - - EPS 4.60 1.47 -10.68 -18.26 -3.29 -6.67 -2.42 -1.40

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 7,729.37 7,362.70 6,894.80 2,940.99 2,042.90 32.97 38.42 16.98 3.30 Share Capital 90.24 90.02 89.90 1.23 1.11 0.29 0.26 0.14 0.02 Total Reserves 6,632.78 6,467.95 6,339.13 2,784.89 1,934.29 32.68 38.12 16.80 3.25 Non-Current Liabilities 11.65 7.87 19.10 22.68 1.71 0.91 0.58 0.52 0.32 Secured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 10.62 3.03 10.84 11.34 1.71 0.91 0.48 0.28 0.11 Current Liabilities 72.68 16.46 18.12 43.19 19.59 6.05 4.51 7.20 5.78 Trade Payables 50.96 4.26 9.18 3.32 3.36 4.21 2.62 6.00 5.33 Other Current Liabilities 19.38 10.24 6.87 37.42 14.22 1.82 1.89 1.20 0.45 Short Term Borrowings 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Provisions 2.34 1.96 2.07 2.45 2.01 0.01 0.00 0.00 0.00 Total Liabilities 7,813.70 7,387.03 6,932.02 3,006.86 2,064.20 39.93 43.51 24.70 9.40 Net Block 5.72 8.00 11.50 15.73 3.48 1.29 2.33 2.43 0.94 Gross Block 23.43 22.66 22.77 24.17 10.98 5.73 5.45 4.00 1.60 Accumulated Depreciation 17.71 14.66 11.28 8.44 7.50 4.44 3.11 1.57 0.67 Non Current Assets 4,944.45 5,197.97 2,254.69 1,195.28 935.23 21.32 17.39 5.74 1.92 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Non Current Investment 4,740.94 3,796.69 2,204.03 1,146.48 914.22 19.38 13.87 2.23 0.48 Long Term Loans & Adv. 61.19 35.83 39.17 32.08 17.51 0.65 1.16 1.08 0.50 Other Non Current Assets 136.60 1,357.45 0.00 0.98 0.02 0.01 0.03 0.00 0.00 Current Assets 2,869.25 2,189.06 4,677.32 1,811.58 1,128.98 18.61 26.12 18.96 7.48 Current Investments 99.53 105.84 212.25 0.00 0.00 0.00 2.00 5.56 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 1.81 0.89 5.56 11.95 7.76 7.04 8.29 9.99 5.50 Cash & Bank 504.22 489.08 3,242.57 1,751.34 1,068.29 3.00 10.98 1.33 0.26 Other Current Assets 2,263.69 0.78 2.08 48.10 52.94 8.57 4.85 2.09 1.72 Short Term Loans & Adv. 2,262.91 1,592.47 1,214.86 0.19 4.87 7.19 4.15 1.41 1.40 Net Current Assets 2,796.57 2,172.60 4,659.21 1,768.40 1,109.38 12.56 21.61 11.76 1.70 Total Assets 7,813.70 7,387.03 6,932.01 3,006.86 2,064.21 39.93 43.51 24.70 9.40

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Shareholder's Funds 5,871.03 5,476.30 5,411.66 1,991.73 1,265.85 Share Capital 90.24 90.02 89.90 1.23 1.11 Total Reserves 4,774.15 4,581.34 4,855.98 1,835.63 1,157.24 Non-Current Liabilities 261.57 218.30 174.09 126.33 107.10 Secured Loans 0.00 0.00 0.00 0.00 0.00 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 47.49 24.56 32.67 30.50 13.62 Current Liabilities 603.17 550.92 337.39 220.95 203.05 Trade Payables 301.06 306.10 198.19 101.91 117.93 Other Current Liabilities 260.80 216.58 118.72 102.70 71.50 Short Term Borrowings 0.00 0.00 0.00 0.00 0.00 Short Term Provisions 41.31 28.24 20.48 16.35 13.62 Total Liabilities 6,741.21 6,254.02 5,923.14 2,339.01 1,576.00 Net Block 358.62 313.29 204.90 124.76 147.32 Gross Block 585.47 473.84 320.62 212.12 206.08 Accumulated Depreciation 226.85 160.55 115.72 87.36 58.76 Non Current Assets 1,918.75 2,131.80 351.60 199.52 265.06 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 Non Current Investment 934.92 59.85 45.57 0.05 0.00 Long Term Loans & Adv. 350.89 155.51 95.59 68.43 117.58 Other Non Current Assets 274.32 1,603.15 5.54 6.28 0.16 Current Assets 4,822.46 4,122.22 5,571.54 2,139.50 1,310.94 Current Investments 423.55 562.25 327.50 137.71 1.99 Inventories 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 650.52 677.31 360.87 172.90 178.77 Cash & Bank 734.97 762.72 3,700.24 1,810.18 1,105.63 Other Current Assets 3,013.42 12.69 9.77 5.83 24.55 Short Term Loans & Adv. 2,996.16 2,107.25 1,173.16 12.88 21.56 Net Current Assets 4,219.29 3,571.30 5,234.15 1,918.54 1,107.89 Total Assets 6,741.21 6,254.02 5,923.14 2,339.02 1,576.00

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 14
Cash From Operating Activity 42.64 -4.95 -56.73 70.77 -12.91 -12.81 PBT 44.25 -74.15 -300.25 29.70 48.09 -12.96 Adjustment -52.39 149.79 336.35 32.95 -55.00 2.90 Changes in Working Capital 76.03 -76.30 -85.73 13.78 0.17 -3.48 Cash after chg. in Working capital 67.89 -0.66 -49.63 76.43 -6.74 -13.53 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -25.25 -4.29 -7.10 -5.66 -6.17 0.73 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity 95.32 -179.71 -3,748.45 -1,282.85 -267.02 5.33 Net Fixed Assets -0.77 0.11 1.40 -13.19 -5.25 Net Investments -937.94 -1,486.25 -1,269.80 -232.26 -894.84 Others 1,034.03 1,306.43 -2,480.05 -1,037.40 633.07 Cash from Financing Activity -3.49 -3.48 3,641.82 776.05 1,049.73 7.50 Net Cash Inflow / Outflow 134.47 -188.14 -163.36 -436.03 769.80 0.02 Opening Cash & Equivalents 29.43 217.57 380.93 816.96 47.16 0.98 Closing Cash & Equivalent 163.90 29.43 217.57 380.93 816.96 1.00

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Cash From Operating Activity 8.65 -298.97 -1,567.88 28.71 -364.00 PBT 77.11 -487.96 -833.39 -141.91 -294.84 Adjustment 82.09 372.97 544.94 82.75 -5.70 Changes in Working Capital 48.48 -134.13 -1,255.66 39.41 -24.26 Cash after chg. in Working capital 207.68 -249.12 -1,544.12 -19.76 -324.80 Interest Paid 0.00 0.00 0.00 0.00 0.00 Tax Paid -199.03 -49.85 -23.76 48.47 -39.20 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity 300.81 41.41 -2,126.61 -1,201.75 78.72 Net Fixed Assets -0.77 0.11 1.40 -13.19 Net Investments -937.94 -1,486.25 -1,269.80 -232.26 Others 1,239.52 1,527.55 -858.21 -956.30 Cash from Financing Activity -56.83 -42.50 3,621.42 758.81 1,031.30 Net Cash Inflow / Outflow 252.63 -300.06 -73.07 -414.24 746.02 Opening Cash & Equivalents 72.34 367.40 438.77 853.43 106.94 Closing Cash & Equivalent 324.86 72.34 367.40 438.77 853.43

Financial Ratios

Standalone /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 14 Mar 13 Mar 12 Mar 11
Book Value (Rs.) 149.00 145.70 143.03 244.29 509034.53 11988.87 15189.99 6700.39 1359.12 ROA 0.48% -1.04% -6.03% 0.75% 0.64% -31.05% -37.29% -59.94% -83.98% ROE 0.55% -1.14% -6.50% 0.81% 0.70% -36.57% -46.28% -101.71% -241.55% ROCE 0.60% -1.03% -6.08% 1.19% 1.36% -36.30% -45.92% -100.79% -239.06% Fixed Asset Turnover 4.79 5.91 4.40 7.02 7.87 5.89 5.74 8.07 6.78 Receivable days 4.47 8.77 30.98 29.14 35.50 85.10 123.19 125.06 184.92 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 11.92 1941.20 1015.96 2297.50 4163.17 Cash Conversion Cycle 4.47 8.77 30.98 29.14 23.59 -1856.10 -892.77 -2172.44 -3978.25 Total Debt/Equity 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Interest Cover 65.13 -73.15 -252.97 12.73 14.16 0.00 0.00 0.00 0.00

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Book Value (Rs.) 107.81 103.78 110.03 161.02 304547.11 ROA 0.99% -8.01% -20.16% -7.68% -27.09% ROE 1.35% -10.15% -24.56% -10.04% -39.06% ROCE 1.83% -8.57% -22.14% -8.00% -32.16% Fixed Asset Turnover 6.49 6.44 5.35 4.24 5.97 Receivable days 70.49 74.07 68.37 72.38 68.20 Inventory Days 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 40.87 Cash Conversion Cycle 70.49 74.07 68.37 72.38 27.33 Total Debt/Equity 0.00 0.00 0.00 0.00 0.00 Interest Cover 3.89 -21.59 -59.55 -11.17 -23.46

Top Investors:

makesense technologies ltd

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diphda internet services limited

axis mutual fund trustee limited a/c axis mutual fund a/c axis small cap fund

tencent cloud europe b.v.

hdfc mutual fund - hdfc mid-cap opportunities fund

startup investments (holding) limited

franklin india focused equity fund

max life insurance company limited a/c reversionary bonus participating - equity

Annual Reports:

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Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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