PB Fintech Limited

Web: pbfintech.in NSE: POLICYBZR BSE: 543390 SECTOR: Financial Services - Financial Technology (Fintech) | Add Note | View Notes

1846 24(-1%)

Near 52W High of 1974

Volume

8L as on 03, Sep

Open

1,829

High

1,829

Low

1,810

1,870

VWAP

1,858

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

70/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

85,390

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 Week2%

1 Month13%

3 Months18%

6 Months27%

1 Year0%

YTD4%

Moving Average

5 Day SMA1,848

10 Day SMA1,829

20 Day SMA1,776

30 Day SMA1,716

50 Day SMA1,667

61 Day SMA1,654

80 Day SMA1,661

200 Day SMA1,653

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,921	1,866	1,891	1,929
Resistance 2	1,891	1,861	1,872	1,894
Resistance 1	1,871	1,856	1,860	1,879
Pivot Point	1,841	1,852	1,841	1,844
Support 1	1,821	1,847	1,822	1,829
Support 2	1,791	1,843	1,810	1,794
Support 3	1,771	1,838	1,791	1,779

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,02,653	712	1%	6%	20%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,335	1423	1%	2%	4%	2%	16	40.9	0	57936
3	SBIN	9,43,185	1016	2%	2%	14%	26%	11	40.9	0	86666
4	BAJFINANCE	6,57,612	1060	3%	9%	7%	12%	28	40.9	0	19332
5	LICI	5,29,086	418	1%	3%	50%	53%	9	40.9	0	57453
6	KOTAKBANK	4,23,124	424	1%	6%	2%	78%	20	40.9	0	19288
7	AXISBANK	3,96,596	1273	1%	0%	8%	21%	15	40.9	0	26548
8	BAJAJFINSV	3,16,023	1970	1%	5%	3%	1%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,44,475	1041	5%	4%	1%	78%	21	40.9	0	10024
10	SBILIFE	1,76,519	1775	3%	10%	16%	4%	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

Delivery

Delivery Data: POLICYBZR

#	Date	1502 25% 1875	Value (Cr)	Q/T 52	Del 49	Del 1201
1	4-Sep	1836	82	17	45	37
2	3-Sep	1870	153	25	62	94
3	2-Sep	1852	112	24	60	67
4	1-Sep	1829	317	50	22	70
5	31-Aug	1875	212	37	77	162
6	28-Aug	1812	63	6	61	39
7	27-Aug	1838	319	31	68	216
8	26-Aug	1840	412	28	50	205
9	25-Aug	1798	240	33	55	132
10	24-Aug	1785	140	16	51	72
11	21-Aug	1795	95	25	50	48
12	20-Aug	1780	196	23	61	119
13	19-Aug	1782	389	25	52	201
14	18-Aug	1747	222	35	64	142
15	17-Aug	1728	162	21	56	91
16	14-Aug	1741	131	30	65	85
17	13-Aug	1744	195	29	60	118
18	12-Aug	1739	134	19	51	68
19	11-Aug	1733	530	30	39	206
20	10-Aug	1630	185	22	55	102
21	7-Aug	1604	117	26	44	52
22	6-Aug	1599	687	39	41	282
23	5-Aug	1620	113	18	42	47
24	4-Aug	1597	103	21	45	46
25	3-Aug	1650	105	15	48	50
26	31-Jul	1602	87	18	64	55
27	30-Jul	1594	119	23	60	72
28	29-Jul	1611	87	20	47	41
29	28-Jul	1583	109	19	54	59
30	27-Jul	1553	99	21	52	52
31	24-Jul	1537	176	21	52	91
32	23-Jul	1527	197	36	67	131
33	22-Jul	1548	156	29	54	84
34	21-Jul	1562	201	26	65	130
35	20-Jul	1585	110	25	47	52
36	17-Jul	1574	338	32	59	201
37	16-Jul	1561	463	33	52	242
38	15-Jul	1611	311	40	56	176
39	14-Jul	1567	152	21	54	82
40	13-Jul	1595	295	31	61	179
41	10-Jul	1580	318	34	62	197
42	9-Jul	1572	208	22	53	110
43	8-Jul	1562	410	37	50	206
44	7-Jul	1608	1091	47	71	770
45	6-Jul	1581	563	33	54	306
46	3-Jul	1591	3694	97	64	2366
47	2-Jul	1682	151	22	55	84
48	1-Jul	1684	177	14	50	88
49	30-Jun	1629	308	23	69	212
50	29-Jun	1623	432	30	54	233

Daily Market Cap

Date	Total Market Cap	Change	Chg %
04-Sep	85,390c	342c	0.40
03-Sep	85,048c	46c	0.05
01-Sep	85,094c	801c	0.95
31-Aug	84,294c	745c	0.88
27-Aug	85,039c	875c	1.02
26-Aug	85,913c	2,836c	3.41
25-Aug	83,077c	486c	0.59
24-Aug	82,591c	134c	0.16
21-Aug	82,725c	268c	0.33
19-Aug	82,457c	1,624c	2.01
18-Aug	80,833c	875c	1.09
17-Aug	79,958c	597c	0.74
14-Aug	80,555c	9c	0.01
13-Aug	80,564c	102c	0.13
12-Aug	80,463c	3,026c	3.91
11-Aug	77,437c	2,017c	2.67
10-Aug	75,419c	148c	0.20
06-Aug	75,567c	1,675c	2.27
04-Aug	73,892c	231c	0.31
31-Jul	74,124c	403c	0.55
30-Jul	73,721c	495c	0.67
29-Jul	74,216c	560c	0.76
28-Jul	73,656c	1,754c	2.44
27-Jul	71,903c	833c	1.17
24-Jul	71,070c	0	0

Stock Checklist

Price is above from 52 week high low average: 79%

Stock is trading above all short term SMAs: YES

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 581 fund scheme(s) across 41 fund house(s) as of Aug26 · Total value ₹46,429 Cr · 214 increasing / 303 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
HDFC Mutual Fund	32	0.94%	-0.01%	7711.2
Axis Mutual Fund	26	1.56%	+0.46%	5051.1
Mirae Asset Mutual Fund	22	1.70%	-0.08%	5010.7
ICICI Prudential Mutual Fund	26	1.00%	+0.34%	4060.3
Franklin Templeton Mutual Fund	32	1.69%	+0.13%	3057.8
Tata Mutual Fund	34	1.70%	+0.89%	2622.8
Nippon India Mutual Fund	26	0.72%	-0.02%	2497.5
Motilal Oswal Mutual Fund	20	1.96%	-0.14%	2151.7
HSBC Mutual Fund	16	2.82%	+0.36%	1946.1
Canara Robeco Mutual Fund	16	1.24%	-0.21%	1789.8
Sundaram Mutual Fund	20	1.57%	+0.04%	1321
Kotak Mahindra Mutual Fund	12	0.60%	+0.26%	1202.1
DSP Mutual Fund	16	1.10%	+0.60%	1201.9
UTI Mutual Fund	20	1.40%	+0.20%	1184.7
Aditya Birla Sun Life Mutual Fund	18	0.97%	+0.22%	908.1
Edelweiss Mutual Fund	26	0.79%	-0.14%	726.8
WhiteOak Capital Mutual Fund	26	0.98%	-	628.5
SBI Mutual Fund	12	0.55%	-0.15%	549
Invesco Mutual Fund	16	0.66%	-0.29%	532.6
Mahindra Manulife Mutual Fund	10	1.72%	-	531.1
Bandhan Mutual Fund	20	0.63%	-0.22%	485.4
Baroda BNP Paribas Mutual Fund	22	1.26%	+0.18%	301.8
Abakkus Mutual Fund	2	1.88%	+0.06%	238.6
Bank of India Mutual Fund	15	1.76%	-0.27%	198.3
LIC Mutual Fund	14	1.43%	+1.44%	139.8
ITI Mutual Fund	6	1.01%	-	114.9
Union Mutual Fund	4	1.18%	-0.18%	72.4
ICICI Prudential Asset Management Company Limited	1	0.34%	+0.17%	62.2
JM Financial Mutual Fund	4	1.23%	+0.13%	42.2
Sundaram Asset Management Company Ltd	1	1.89%	+0.43%	31.6
Navi Mutual Fund	8	1.35%	-0.07%	19.9
Zerodha Mutual Fund	4	0.67%	-0.02%	12.4
Groww Mutual Fund	12	0.58%	-0.23%	11.1
Trust Mutual Fund	2	1.28%	-0.98%	8
Jio BlackRock Mutual Fund	2	0.89%	-0.13%	4
Shriram Mutual Fund	6	0.30%	+0.05%	1.4
Angel One Mutual Fund	2	0.26%	-0.01%	0.3
Taurus Mutual Fund	2	0.92%	+0.95%	0.2
Helios Mutual Fund	10	0.00%	-1.51%	0
PGIM India Mutual Fund	16	0.00%	-0.94%	0
PGIM India Asset Management Private Limite	2	0.00%	-0.96%	0

PB Fintech Limited

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