PB Fintech Limited · CashKonnect

About

PB Fintech Limited operates an online marketplace for insurance and lending products in India and the United Arab Emirates. It operates through two segments, Insurance Services and Other Services. The company offers Policybazaar that enables consumers to compare, evaluate, and apply for insurance products, such as term, life, health, car, 2 wheeler, family health, travel, and home insurance products, as well as investment, guaranteed return, child savings, and retirement plans. It also provides Paisabazaar, which facilitates access to lending and personal credit products. In addition, the company offers online healthcare related services; insurance broking services; support services for motor vehicle claims and related assistance; account aggregation services; online marketing and sales consulting services; and information technology and related services. Further, the company engages in the operation of call center; online comparison, sale, and online, offline, and direct marketing of financial products; and payment aggregator, payment gateway services, payment facilitation activities by offline and a digital payment acceptance. PB Fintech Limited was incorporated in 2008 and is based in Gurugram, India.

Key Metrics

as of Sep 2026

Market Cap86,093 Cr

P/E115.00

Div Yield0.00 %

Book Value₹158.00

52w High₹1,964.00

52w Low₹1,334.00

Face Value₹2.00

Quarterly Results

Rs. Crores · hover row for definition

Metric	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023
Sales	398.00	65.00	54.00	49.00	40.00	47.00	39.00	38.00	30.00	34.00	27.00	14.00	35.00
Expenses	30.00	105.00	87.00	99.00	88.00	142.00	85.00	98.00	83.00	103.00	62.00	75.00	74.00
Operating Profit	368.00	-40.00	-33.00	-50.00	-47.00	-96.00	-46.00	-61.00	-53.00	-69.00	-35.00	-61.00	-39.00
OPM %	92.00	-61.00	-61.00	-101.00	-118.00	-204.00	-119.00	-161.00	-176.00	-201.00	-130.00	-449.00	-110.00
Other Income	55.00	60.00	54.00	52.00	56.00	74.00	65.00	68.00	65.00	63.00	63.00	64.00	62.00
Depreciation	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Interest	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	421.00	19.00	19.00	1.00	8.00	-22.00	18.00	6.00	12.00	-7.00	27.00	2.00	22.00
Tax %	3.00	5.00	19.00	5.00	8.00	-24.00	23.00	15.00	15.00	122.00	0.00	0.00	0.00
Net Profit	408.00	18.00	16.00	1.00	7.00	-17.00	14.00	5.00	10.00	-15.00	27.00	2.00	22.00
EPS in Rs	8.81	0.38	0.34	0.02	0.16	-0.36	0.30	0.12	0.22	-0.33	0.60	0.04	0.49

Profit & Loss

Annual · Rs. Crores

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016
Sales	208.00	153.00	110.00	134.00	103.00	123.00	61.00	50.00	79.00	105.00	50.00
Expenses	378.00	408.00	314.00	398.00	513.00	144.00	89.00	89.00	122.00	106.00	161.00
Operating Profit	-170.00	-254.00	-204.00	-264.00	-409.00	-20.00	-28.00	-39.00	-43.00	-1.00	-111.00
OPM %	-82.00	-166.00	-185.00	-197.00	-397.00	-16.00	-46.00	-79.00	-54.00	-0.90	-222.00
Other Income	223.00	273.00	252.00	195.00	114.00	54.00	58.00	34.00	25.00	53.00	34.00
Interest	3.00	0.00	1.00	1.00	1.00	2.00	1.00	0.00	0.00	0.00	0.00
Depreciation	4.00	3.00	3.00	4.00	4.00	4.00	9.00	1.00	3.00	1.00	2.00
Profit before tax	47.00	15.00	44.00	-74.00	-300.00	27.00	19.00	-6.00	-21.00	50.00	-80.00
Tax %	11.00	10.00	18.00	0.00	0.00	30.00	49.00	148.00	120.00	-51.00	0.00
Net Profit	41.00	13.00	36.00	-74.00	-300.00	19.00	10.00	-16.00	-47.00	76.00	-79.00
EPS in Rs	0.90	0.29	0.80	-1.65	-6.67	833.04	2,563.16	-4,160.53	-12,944.60	21,063.89	-22,080.56
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Balance Sheet

Annual · Rs. Crores — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016
Equity Capital	93.00	92.00	90.00	90.00	90.00	0.05	0.04	0.04	0.04	0.04	0.04
Reserves	8,104.00	7,866.00	7,639.00	7,273.00	6,805.00	2,940.00	2,042.00	956.00	921.00	429.00	346.00
Borrowings	27.00	1.00	5.00	8.00	11.00	15.00	3.00	1.00	1.00	1.00	1.00
Other Liabilities	73.00	101.00	71.00	16.00	19.00	44.00	19.00	11.00	47.00	63.00	17.00
Total Liabilities	8,297.00	8,059.00	7,806.00	7,387.00	6,924.00	2,999.00	2,064.00	968.00	969.00	493.00	364.00
Fixed Assets	29.00	3.00	6.00	8.00	12.00	16.00	3.00	2.00	2.00	3.00	6.00
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	6,328.00	5,370.00	4,840.00	3,903.00	2,416.00	1,146.00	914.00	659.00	885.00	380.00	276.00
Other Assets	1,940.00	2,686.00	2,959.00	3,476.00	4,497.00	1,836.00	1,147.00	307.00	82.00	110.00	82.00
Total Assets	8,297.00	8,059.00	7,806.00	7,387.00	6,924.00	2,999.00	2,064.00	968.00	969.00	493.00	364.00

Cash Flows

Annual · Rs. Crores — latest first

Metric	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016
Cash from Operating Activity	-103.00	43.00	-5.00	-57.00	71.00	-13.00	-199.00	-57.00	87.00	-56.00
Cash from Investing Activity	316.00	95.00	-180.00	-3,748.00	-1,283.00	-267.00	231.00	-463.00	-78.00	-248.00
Cash from Financing Activity	-2.00	-3.00	-3.00	3,642.00	776.00	1,050.00	0.00	513.00	0.00	315.00
Net Cash Flow	210.00	134.00	-188.00	-163.00	-436.00	770.00	32.00	-7.00	9.00	11.00
Free Cash Flow	-104.00	43.00	-5.00	-57.00	71.00	-14.00	-200.00	-59.00	87.00	-61.00
CFO/OP %	33.00	-33.00	0.00	12.00	-379.00	24.00	510.00	152.00	-8,585.00	53.00

Ratios

Annual · Days / % — latest first

Metric	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016
Debtor Days	5.00	2.00	6.00	2.00	20.00	35.00	46.00	30.00	127.00	106.00	193.00
Cash Conversion Cycle	5.00	2.00	6.00	2.00	20.00	35.00	46.00	30.00	127.00	106.00	193.00
Working Capital Days	2,707.00	2,104.00	7,257.00	4,293.00	4,260.00	50.00	245.00	524.00	-22.00	-16.00	247.00
ROCE %	0.00	0.00	1.00	-1.00	-6.00	0.00	-1.00	-4.00	-6.00	7.00	—

Shareholding Pattern

% holding — latest first

Holder	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
FIIs	37.29	39.94	40.77	43.64	46.78	45.93	47.78	49.70	51.58	48.97	46.00	49.40
DIIs	40.42	36.72	29.54	26.63	23.27	22.95	20.57	18.31	16.17	16.64	18.97	16.31
Public	22.14	23.19	29.55	29.47	29.65	30.85	31.35	31.44	31.69	33.81	34.28	33.46
No. of Shareholders	150,458	153,261	159,243	165,600	164,551	151,205	148,275	152,948	145,383	152,153	165,933	180,765