PB Fintech Limited (BOM:543390)

PB Fintech Statistics

Total Valuation

PB Fintech has a market cap or net worth of INR 835.19 billion. The enterprise value is 817.57 billion.

Market Cap	835.19B
Enterprise Value	817.57B

Important Dates

The last earnings date was Wednesday, October 29, 2025.

Earnings Date	Oct 29, 2025
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	461.38M
Shares Outstanding	n/a
Shares Change (YoY)	-1.64%
Shares Change (QoQ)	+0.40%
Owned by Insiders (%)	4.70%
Owned by Institutions (%)	47.78%
Float	342.50M

Valuation Ratios

The trailing PE ratio is 180.94 and the forward PE ratio is 91.88.

PE Ratio	180.94
Forward PE	91.88
PS Ratio	14.50
PB Ratio	12.33
P/TBV Ratio	12.35
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 299.40, with an EV/FCF ratio of -269.62.

EV / Earnings	177.12
EV / Sales	14.19
EV / EBITDA	299.40
EV / EBIT	n/a
EV / FCF	-269.62

Financial Position

The company has a current ratio of 4.11, with a Debt / Equity ratio of 0.05.

Current Ratio	4.11
Quick Ratio	4.00
Debt / Equity	0.05
Debt / EBITDA	1.22
Debt / FCF	-1.09
Interest Coverage	3.80

Financial Efficiency

Return on equity (ROE) is 7.17% and return on invested capital (ROIC) is 1.28%.

Return on Equity (ROE)	7.17%
Return on Assets (ROA)	1.15%
Return on Invested Capital (ROIC)	1.28%
Return on Capital Employed (ROCE)	1.95%
Revenue Per Employee	2.58M
Profits Per Employee	206,722
Employee Count	22,329
Asset Turnover	0.76
Inventory Turnover	n/a

Taxes

In the past 12 months, PB Fintech has paid 292.20 million in taxes.

Income Tax	292.20M
Effective Tax Rate	5.95%

Stock Price Statistics

The stock price has increased by +5.15% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+5.15%
50-Day Moving Average	1,769.87
200-Day Moving Average	1,715.24
Relative Strength Index (RSI)	55.49
Average Volume (20 Days)	63,934

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, PB Fintech had revenue of INR 57.61 billion and earned 4.62 billion in profits. Earnings per share was 9.97.

Revenue	57.61B
Gross Profit	35.94B
Operating Income	1.39B
Pretax Income	4.91B
Net Income	4.62B
EBITDA	2.12B
EBIT	1.39B
Earnings Per Share (EPS)	9.97

Balance Sheet

The company has 20.97 billion in cash and 3.29 billion in debt, giving a net cash position of 17.68 billion.

Cash & Cash Equivalents	20.97B
Total Debt	3.29B
Net Cash	17.68B
Net Cash Per Share	n/a
Equity (Book Value)	67.75B
Book Value Per Share	147.57
Working Capital	25.41B

Cash Flow

In the last 12 months, operating cash flow was -2.21 billion and capital expenditures -825.80 million, giving a free cash flow of -3.03 billion.

Operating Cash Flow	-2.21B
Capital Expenditures	-825.80M
Free Cash Flow	-3.03B
FCF Per Share	n/a

Margins

Gross margin is 62.39%, with operating and profit margins of 2.41% and 8.01%.

Gross Margin	62.39%
Operating Margin	2.41%
Pretax Margin	8.52%
Profit Margin	8.01%
EBITDA Margin	3.67%
EBIT Margin	2.41%
FCF Margin	n/a

Dividends & Yields

PB Fintech does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	1.64%
Shareholder Yield	1.64%
Earnings Yield	0.55%
FCF Yield	-0.36%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4