PB Fintech Limited

Web: pbfintech.in NSE: POLICYBZR BSE: 543390 SECTOR: Financial Services - Financial Technology (Fintech)

1529 19(-1%)

Volume

10L as on 22, Jul

Open

1,631

High

1,634

Low

1,610

1,548

VWAP

1,550

52 Week High

1,974

52 Week Low

1,364

Viand Research Rating

Quality Score

73/100

Growth Score

90/100

Valuation Score

50/100

Momentum Score

0/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

70,746

No. of Shares

46.3

P/E

3173.5

P/B

9.88

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

0.31

ROCE

Profit Growth

Listing Date

15-Nov-21

Promoter Holding

FII Holding

39.94%

DII Holding

36.72%

Price Chart

Price Performance

1 Week4%

1 Month7%

3 Months5%

6 Months10%

1 Year15%

YTD14%

Moving Average

5 Day SMA1,566

10 Day SMA1,576

20 Day SMA1,598

30 Day SMA1,596

50 Day SMA1,630

61 Day SMA1,638

80 Day SMA1,608

200 Day SMA1,656

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,609	1,570	1,598	1,613
Resistance 2	1,598	1,568	1,587	1,600
Resistance 1	1,580	1,565	1,581	1,584
Pivot Point	1,570	1,562	1,570	1,572
Support 1	1,552	1,560	1,559	1,556
Support 2	1,541	1,557	1,552	1,543
Support 3	1,523	1,555	1,541	1,527

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,708	746	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,380	1433	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,35,523	1014	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,47,464	1040	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,33,640	422	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,984	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,80,565	1223	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,02,712	1891	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,41,507	1026	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,86,506	1859	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021
FIIs	(-0.81) 39.94%	(-2.91) 40.77%	(-3.11) 43.64%	(0.91) 46.78%	(-1.91) 45.93%	(-1.91) 47.78%	(-1.91) 49.70%	(2.61) 51.58%	(3.01) 48.97%	(-3.41) 46.00%	(-0.21) 49.40%	(-0.81) 49.60%	(2.41) 50.41%	(30.11) 47.99%	(-1.81) 17.91%	(2.01) 19.73%	(1.51) 17.74%	(0.01) 16.29%
DIIs	(7.21) 36.72%	(2.91) 29.54%	(3.41) 26.63%	(0.31) 23.27%	(2.41) 22.95%	(2.31) 20.57%	(2.11) 18.31%	(-0.51) 16.17%	(-2.31) 16.64%	(2.71) 18.97%	(1.01) 16.31%	(1.41) 15.33%	(-0.91) 13.97%	(4.91) 14.90%	(1.91) 9.97%	(-1.11) 8.08%	(-0.21) 9.15%	(0.01) 9.39%
Public	23.19%	29.55%	29.47%	29.65%	30.85%	31.35%	31.44%	31.69%	33.81%	34.28%	33.46%	34.24%	34.79%	36.27%	71.04%	71.11%	70.80%	69.87%
No. of Shareholders	153,261	159,243	165,600	164,551	151,205	148,275	152,948	145,383	152,153	165,933	180,765	191,704	195,672	213,823	204,329	199,319	200,729	181,998

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	2061	1771	1614	1348	1508	1292	1167	1010	1090	871	812	666	869	610	573	505	540	367	280	238
Sales Growth % (YoY)	36.7%	37.1%	38.2%	33.4%	38.4%	48.3%	43.8%	51.8%	25.4%	42.8%	41.5%	31.8%	60.9%	66.1%	105.1%	112.5%	99.6%	73.2%	-	-
Sales Growth % (QoQ)	16.4%	9.7%	19.7%	-10.6%	16.7%	10.7%	15.5%	-7.3%	25.1%	7.3%	21.9%	-23.4%	42.5%	6.5%	13.5%	-6.5%	47.1%	31.1%	17.6%	-
Expenses	1849	1612	1516	1314	1396	1264	1175	1050	1085	898	901	743	937	744	800	740	795	685	491	356
Operating Profit	212	159	98	34	112	28	-8	-39	5	-27	-89	-77	-68	-133	-226	-235	-255	-317	-212	-118
OPM %	10	9	6	3	7	2	-1	-4	0	-3	-11	-12	-8	-22	-39	-46	-47	-86	-76	-50
Other Income	104	85	87	100	101	100	106	141	98	94	97	91	82	69	61	47	51	34	21	20
Interest	10	9	9	9	9	9	9	6	7	6	7	6	6	6	6	4	4	3	3	3
Depreciation	35	34	34	33	33	34	29	25	24	23	22	20	17	18	16	13	12	11	10	10
Profit before tax	272	201	142	92	171	85	60	71	73	37	-21	-12	-9	-88	-187	-204	-220	-298	-204	-111
Tax %	4	6	5	8	0	16	15	15	17	0	-1	3	0	0	0	0	0	0	0	0
Net Profit	261	189	135	85	170	72	51	60	60	37	-21	-12	-9	-88	-187	-204	-220	-298	-204	-111
Net Profit Growth % (QoQ)	38.1%	40%	58.8%	-50%	136.1%	41.2%	-15%	-	62.2%	276.2%	-75%	-33.3%	89.8%	52.9%	8.3%	7.3%	26.2%	-46.1%	-83.8%	-
Net Profit Growth % (YoY)	53.5%	162.5%	164.7%	41.7%	183.3%	94.6%	342.9%	600%	766.7%	142%	88.8%	94.1%	95.9%	70.5%	8.3%	-83.8%	-	-	-	-
TTM Net Profit	670	579	462	378	353	243	208	136	64	-5	-130	-296	-488	-699	-909	-926	-833	-613	-315	0
EPS in Rs	5.64	4.09	2.94	1.84	3.7	1.56	1.11	1.32	1.34	0.84	-0.45	-0.25	-0.2	-1.94	-4.15	-4.55	-4.89	-6.63	-4.97	-2.7

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2016	Mar 2015
Sales	6794	4977	3438	2558	1425	887	771	492	334	90	78
Sales Growth %	36.5%	44.8%	34.4%	79.5%	60.7%	15%	56.7%	47.4%	-	16.1%	-
Expenses	6286	4883	3626	3219	2325	1046	1091	828	386	232	149
Operating Profit	508	94	-188	-662	-901	-160	-320	-336	-52	-142	-72
OPM %	7	2	-5	-26	-63	-18	-41	-68	-16	-157	-92
Other Income	372	449	381	259	124	71	84	37	26	35	10
Interest	37	34	27	22	14	12	12	8	0	0	0
Depreciation	136	121	89	64	43	41	47	30	7	3	2
Profit before tax	707	388	77	-488	-833	-142	-295	-337	-34	-110	-64
Tax %	5	9	16	0	0	6	3	3	76	0	0
Net Profit	670	353	64	-488	-833	-150	-304	-347	-59	-110	-64
Net Profit Growth %	89.8%	451.6%	113.1%	41.4%	-455.3%	50.7%	12.4%	-488.1%	46.4%	-71.9%	-
EPS in Rs	14.48	7.69	1.48	-10.82	-18.53	-6583.7	-80007.89	-91265.79	-16396.12	-30600	-17719.44
Dividend Payout %	0	0	0	0	0	0	0	0	0	0	0

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2016	Mar 2015
Cash from Operating Activity	41	-183	9	-299	-1568	29	-364	-282	-83	-97	-102
Cash from Investing Activity	214	491	301	46	-2125	-1202	79	375	-434	-244	-15
Cash from Financing Activity	-81	-73	-57	-42	3621	759	1031	-23	513	315	119
Net Cash Flow	174	236	253	-295	-71	-415	746	69	-5	-27	2

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2016	Mar 2015
Equity Capital	93	92	92	91	90	90	90	0.05	0.04	0.04	0.04	0.04	0.04
Reserves	7219	6677	6340	6016	5781	5386	5322	1990	1265	489	787	301	97
Borrowings	360	329	322	335	253	227	159	110	110	90	1	1	0
Other Liabilities	1035	841	775	712	604	551	344	230	202	172	92	43	29
Total Liabilities	8707	7939	7529	7153	6729	6254	5915	2331	1576	751	880	345	126
Fixed Assets	441	413	418	422	359	313	205	125	147	119	11	6	4
CWIP	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	3211	3141	2173	1999	1358	622	373	138	2	125	650	237	19
Other Assets	5054	4384	4938	4733	5011	5319	5338	2068	1427	507	219	102	103
Total Assets	8707	7939	7529	7153	6729	6254	5915	2331	1576	751	880	345	126

OI Chart

Price

Delivery

#	Date	1478 25% 1846	Value (Cr)	Q/T 55	Del 55	Del 1201
1	22-Jul	1548	156	29	54	84
2	21-Jul	1562	201	26	65	130
3	20-Jul	1585	110	25	47	52
4	17-Jul	1574	338	32	59	201
5	16-Jul	1561	463	33	52	242
6	15-Jul	1611	311	40	56	176
7	14-Jul	1567	152	21	54	82
8	13-Jul	1595	295	31	61	179
9	10-Jul	1580	318	34	62	197
10	9-Jul	1572	208	22	53	110
11	8-Jul	1562	410	37	50	206
12	7-Jul	1608	1091	47	71	770
13	6-Jul	1581	563	33	54	306
14	3-Jul	1591	3694	97	64	2366
15	2-Jul	1682	151	22	55	84
16	1-Jul	1684	177	14	50	88
17	30-Jun	1629	308	23	69	212
18	29-Jun	1623	432	30	54	233
19	25-Jun	1615	135	27	51	69
20	24-Jun	1636	135	17	47	63
21	23-Jun	1622	173	16	55	95
22	22-Jun	1669	596	25	55	329
23	19-Jun	1637	117	21	60	70
24	18-Jun	1618	75	21	51	38
25	17-Jun	1625	240	21	68	162
26	16-Jun	1597	220	23	63	138
27	15-Jun	1581	265	19	64	170
28	12-Jun	1548	140	23	47	66
29	11-Jun	1504	159	27	51	81
30	10-Jun	1510	275	29	56	153
31	9-Jun	1497	469	48	65	303
32	8-Jun	1512	128	13	44	57
33	5-Jun	1534	669	29	50	335
34	4-Jun	1536	228	26	53	121
35	3-Jun	1578	523	29	58	301
36	2-Jun	1644	368	36	59	218
37	1-Jun	1671	325	41	41	135
38	29-May	1702	569	33	59	334
39	27-May	1785	75	22	48	36
40	26-May	1789	127	26	50	63
41	25-May	1792	131	23	39	51
42	22-May	1792	431	25	59	256
43	21-May	1819	202	22	56	113
44	20-May	1830	632	24	68	430
45	19-May	1805	686	33	64	440
46	18-May	1748	381	32	53	202
47	15-May	1688	313	35	55	173
48	14-May	1681	348	38	58	203

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	70,746c	1,064c	1.48
22-Jul	71,810c	588c	0.81
21-Jul	72,398c	430c	0.59
17-Jul	72,828c	602c	0.83
16-Jul	72,227c	2,628c	3.51
15-Jul	74,855c	2,272c	3.13
14-Jul	72,583c	1,115c	1.51
13-Jul	73,698c	356c	0.49
10-Jul	73,342c	787c	1.08
09-Jul	72,555c	88c	0.12
08-Jul	72,643c	1,661c	2.24
07-Jul	74,304c	1,277c	1.75
06-Jul	73,027c	5,811c	7.37
02-Jul	78,839c	1,050c	1.35
01-Jul	77,788c	1,906c	2.51
30-Jun	75,882c	69c	0.09
29-Jun	75,813c	1,235c	1.66
26-Jun	74,577c	204c	0.27
25-Jun	74,374c	1,221c	1.62
24-Jun	75,595c	453c	0.60
23-Jun	75,141c	1,758c	2.29
22-Jun	76,900c	925c	1.22
19-Jun	75,974c	925c	1.23
17-Jun	75,049c	1,527c	2.08
16-Jun	73,522c	370c	0.51
15-Jun	73,152c	1,777c	2.49
12-Jun	71,375c	1,226c	1.75
11-Jun	70,149c	282c	0.40
10-Jun	70,431c	0	0

Stock Checklist

Price is below from 52 week high low average: 46%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: NO

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 575 fund scheme(s) across 42 fund house(s) as of Jul26 · Total value ₹40,796 Cr · 62 increasing / 103 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
HDFC Mutual Fund	32	2.48%	+0.12%	7338.7
Mirae Asset Mutual Fund	18	6.17%	-	4247.5
Axis Mutual Fund	24	1.47%	-	3061.6
Franklin Templeton Mutual Fund	28	1.93%	-0.21%	2695
Nippon India Mutual Fund	26	1.04%	-	2602.7
ICICI Prudential Mutual Fund	24	4.34%	+0.21%	2554.2
quant Mutual Fund	24	5.52%	-	2395.3
Canara Robeco Mutual Fund	16	1.58%	-	2160.4
Motilal Oswal Mutual Fund	20	2.40%	-	1948.3
Tata Mutual Fund	22	3.57%	-	1511.5
HSBC Mutual Fund	18	3.30%	-	1450.1
Sundaram Mutual Fund	22	2.35%	+0.01%	1286.4
UTI Mutual Fund	20	1.64%	-	984.7
Aditya Birla Sun Life Mutual Fund	18	1.69%	-	857.4
Edelweiss Mutual Fund	24	1.59%	-	752.2
WhiteOak Capital Mutual Fund	26	67.91%	-0.04%	643.8
Bandhan Mutual Fund	24	14.83%	-	625.3
Invesco Mutual Fund	16	1.80%	-	561.9
Mahindra Manulife Mutual Fund	10	1.72%	+0.08%	531.1
DSP Mutual Fund	10	1.34%	-	511
SBI Mutual Fund	14	4.25%	-	423.7
PGIM India Mutual Fund	18	1.25%	-	346.1
Helios Mutual Fund	10	1.53%	-0.11%	320.6
Baroda BNP Paribas Mutual Fund	20	2.17%	-	270.6
Bank of India Mutual Fund	15	2.85%	-	206.2
Abakkus Mutual Fund	2	1.82%	-	114.2
ITI Mutual Fund	6	1.00%	-0.19%	109.8
Union Mutual Fund	4	1.41%	-	73
Kotak Mahindra Mutual Fund	12	0.82%	+1.92%	66.6
JM Financial Mutual Fund	4	1.10%	-	34.8
Sundaram Asset Management Company Ltd	1	1.46%	+1.46%	23.6
Navi Mutual Fund	8	3.34%	-	20
LIC Mutual Fund	6	2.99%	-	15.7
Groww Mutual Fund	12	3.90%	-	13
Zerodha Mutual Fund	4	0.64%	-0.05%	12.3
Trust Mutual Fund	2	2.27%	+2.26%	10.9
PGIM India Asset Management Private Limite	2	1.50%	+1.15%	8.1
Jio BlackRock Mutual Fund	2	0.86%	-	3.9
ICICI Prudential Asset Management Company Limited	1	0.01%	+0.01%	1.9
Shriram Mutual Fund	6	0.25%	-	1.2
Angel One Mutual Fund	2	0.27%	-	0.3
Bajaj Finserv Mutual Fund	2	0.00%	-0.85%	0

PB Fintech Limited

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