₹1,580.3
▲ +19.2 +1.23%
17 Jul 2026
NSE Listed
PB FinTech Limited (POLICYBZR)
Volume: 29,62,352Avg Vol 1W: 19,46,968.6Avg Vol 1M: 52,35,082.352W Range:₹1,364₹1,974
Key Ratios
Checked 6h agoMarket Cap₹72,231 Cr
Current Price₹1,580.3
Previous Close₹1,561.1
High / Low (52w)₹1,974 / ₹1,364
Volume29,62,352
Avg Vol (1W)19,46,968.6
Avg Vol (1M)52,35,082.3
Stock P/E276.3
Book Value₹158.03
Dividend Yield0%
ROE9.16%
ROA7.7%
Revenue (TTM)₹5,385 Cr
Revenue Growth44.8%
Profit Margin9.86%
Total Debt₹0 Cr
Shares Outstanding46 Cr
Face Value₹2
EPS (TTM)₹14.48
P/B9.88
Debt / Equity0.05
50 DMA₹1,632.45
200 DMA₹1,656.15
Day change+1.23%
Price Chart
₹1,580.3▼ 11.73% · 1Y
2025-07-172026-07-16
20-day avg volume: 52.4L shares
Pros
- Company is almost debt-free.
Cons
- Revenue fell 32% YoY.
- Company is loss-making at the latest annual result.
- Stock trades at a high P/E of 276.
Quarterly Results
| Metric | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹1,010 Cr | ₹1,167 Cr | ₹1,292 Cr | ₹1,508 Cr | ₹1,348 Cr | ₹1,614 Cr | ₹1,771 Cr | ₹2,061 Cr |
| EBITDA | ₹36 Cr | ₹69 Cr | ₹94 Cr | ₹180 Cr | ₹100 Cr | ₹148 Cr | ₹210 Cr | ₹288 Cr |
| Net Profit | ₹60 Cr | ₹51 Cr | ₹72 Cr | ₹170 Cr | ₹85 Cr | ₹135 Cr | ₹189 Cr | ₹261 Cr |
| EPS | — | — | — | — | — | — | — | — |
Profit & Loss (Annual)
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹360 Cr | ₹529 Cr | ₹856 Cr | ₹957 Cr | ₹1,550 Cr | ₹2,817 Cr | ₹3,818 Cr | ₹5,385 Cr |
| EBITDA | ₹-34 Cr | ₹-330 Cr | ₹-283 Cr | ₹-130 Cr | ₹-820 Cr | ₹-466 Cr | ₹106 Cr | ₹380 Cr |
| Net Profit | ₹-59 Cr | ₹-347 Cr | ₹-304 Cr | ₹-150 Cr | ₹-833 Cr | ₹-487 Cr | ₹67 Cr | ₹353 Cr |
| EPS | -16,421 | -6,006.58 | -4,338.46 | -4.11 | -20.34 | -10.97 | 1.45 | 7.65 |
Balance Sheet
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | ₹880 Cr | ₹751 Cr | ₹1,576 Cr | ₹2,331 Cr | ₹5,915 Cr | ₹6,254 Cr | ₹6,729 Cr | ₹7,529 Cr |
| Total Liabilities | ₹92 Cr | ₹261 Cr | ₹310 Cr | ₹339 Cr | ₹504 Cr | ₹769 Cr | ₹852 Cr | ₹1,092 Cr |
| Equity | ₹788 Cr | ₹490 Cr | ₹1,266 Cr | ₹1,992 Cr | ₹5,412 Cr | ₹5,485 Cr | ₹5,876 Cr | ₹6,438 Cr |
| Total Debt | — | — | — | — | — | — | — | — |
Cash Flow
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating | ₹-32 Cr | ₹-247 Cr | ₹-325 Cr | ₹-20 Cr | ₹-1,544 Cr | ₹-249 Cr | ₹208 Cr | ₹-66 Cr |
| Investing | ₹-434 Cr | ₹375 Cr | ₹79 Cr | ₹-1,202 Cr | ₹-2,127 Cr | ₹41 Cr | ₹301 Cr | ₹458 Cr |
| Financing | ₹513 Cr | ₹-23 Cr | ₹1,031 Cr | ₹759 Cr | ₹3,621 Cr | ₹-43 Cr | ₹-57 Cr | ₹-73 Cr |
| Free Cash Flow | ₹-32 Cr | ₹-247 Cr | ₹-325 Cr | ₹-20 Cr | ₹-1,544 Cr | ₹-249 Cr | ₹208 Cr | ₹-66 Cr |
Shareholding
Promoter 0% Institutions 76.68% Public 23.32%
Efficiency & Working Capital
ROCE9.7%
Interest Coverage11.2
Dividend Payout—
Debtor Days73 d
Inventory Days0 d
Payable Days27 d
Cash Conversion Cycle46 d
Working Capital Days73 d
Shareholding Details
As of 2026-03-31
Promoter0%
FII39.9%
DII36.7%
Institutions76.7%
Public23.3%
Promoter Pledge0%
No. of Shareholders1,53,261
Shareholding Pattern
Quarterly — figures in %. Latest 12 quarters.
| Period | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| FIIs | 44.2% | 44% | 40.6% | 49% | 51.6% | 49.7% | 47.8% | 45.9% | 46.8% | 43.6% | 40.8% | 39.9% |
| DIIs | 15.4% | 11.5% | 14.1% | 16.8% | 16.3% | 18.4% | 20.6% | 22.9% | 23.3% | 26.6% | 29.5% | 36.7% |
| Public | 40.4% | 44.5% | 45.3% | 34.3% | 32.1% | 31.9% | 31.6% | 31.1% | 29.9% | 29.7% | 29.7% | 23.3% |
| Promoter Pledge | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| No. of Shareholders | 1,91,704 | 1,80,765 | 1,65,933 | 1,52,153 | 1,45,383 | 1,52,948 | 1,48,275 | 1,51,205 | 1,64,551 | 1,65,600 | 1,59,243 | 1,53,261 |
Returns History (ROE / ROCE / ROA)
| Period | ROE | ROCE | ROA | P/E |
|---|---|---|---|---|
| 202503 | — | — | — | — |
Major Shareholders (>1%)
| Name | Category | Stake | Shares |
|---|---|---|---|
| Macritchie Investments Pte Ltd | Public Shareholding | 6.5% | 2.99 Cr |
| Info Edge (india) Limited | Public Shareholding | 6.5% | 2.99 Cr |
| Nps Trust- A/c Sbi Pension Fund Scheme - State Govt | Public Shareholding | 4.2% | 1.93 Cr |
| Diphda Internet Services Limited | Public Shareholding | 4.1% | 1.89 Cr |
| Yashish Dahiya | Public Shareholding | 3.9% | 1.79 Cr |
| Hdfc Mutual Fund - Hdfc Mid-cap Fund | Public Shareholding | 3.6% | 1.68 Cr |
| Mirae Asset Large & Midcap Fund | Public Shareholding | 3.3% | 1.51 Cr |
| Axis Focused Fund Account | Public Shareholding | 2.3% | 1.07 Cr |
| Franklin India Focused Equity Fund | Public Shareholding | 2.1% | 96,52,230 |
| Startup Investments (holding) Limited | Public Shareholding | 1.9% | 86,62,500 |
| Nippon Life India Trustee Ltd-a/c Nippon India Large Cap Fund | Public Shareholding | 1.6% | 73,39,511 |
| Hdfc Life Insurance Company Limited | Public Shareholding | 1.6% | 73,39,466 |
| Canara Robeco Mutual Fund A/c Canara Robeco Large And Mid Cap Fund | Public Shareholding | 1.4% | 64,50,852 |
| Icici Prudential Multicap Fund | Public Shareholding | 1.4% | 63,92,940 |
| Tata Aia Life Insurance Co Ltd-whole Life Mid Cap Equity Fund-ulif 009 04/01/07 Wle 110 | Public Shareholding | 1.3% | 59,47,645 |
| Tata Digital India Fund | Public Shareholding | 1.2% | 55,73,737 |
| Alok Bansal | Public Shareholding | 1.2% | 53,84,907 |
| Vanguard Total International Stock Index Fund | Public Shareholding | 1.1% | 49,80,171 |
| Motilal Oswal Midcap Fund | Public Shareholding | 1.1% | 49,48,867 |
| Axis Max Life Insurance Limited A/c - Ulif01311/02/08lifehighgr104 - High Growth Fund | Public Shareholding | 1.1% | 48,44,040 |
| Tencent Cloud Europe B.v. | Public Shareholding | 1.1% | 48,40,439 |
| Vanguard Emerging Markets Stock Index Fund, A Series Of Vanguard International Equity Index Funds | Public Shareholding | 1% | 46,80,084 |
Promoter Pledges
| Holder | Pledged Shares | % of Holding | As of |
|---|---|---|---|
| Motilal Oswal Midcap Fund | 0 | 0% | 2026-03-31 |
| Tata Digital India Fund | 0 | 0% | 2026-03-31 |
| Icici Prudential Multicap Fund | 0 | 0% | 2026-03-31 |
| Canara Robeco Mutual Fund A/c Canara Robeco Large And Mid Cap Fund | 0 | 0% | 2026-03-31 |
| Nippon Life India Trustee Ltd-a/c Nippon India Large Cap Fund | 0 | 0% | 2026-03-31 |
| Franklin India Focused Equity Fund | 0 | 0% | 2026-03-31 |
| Hdfc Mutual Fund - Hdfc Mid-cap Fund | 0 | 0% | 2026-03-31 |
| Mirae Asset Large & Midcap Fund | 0 | 0% | 2026-03-31 |
| Axis Focused Fund Account | 0 | 0% | 2026-03-31 |
| Axis Max Life Insurance Limited A/c - Ulif01311/02/08lifehighgr104 - High Growth Fund | 0 | 0% | 2026-03-31 |
| Tata Aia Life Insurance Co Ltd-whole Life Mid Cap Equity Fund-ulif 009 04/01/07 Wle 110 | 0 | 0% | 2026-03-31 |
| Hdfc Life Insurance Company Limited | 0 | 0% | 2026-03-31 |
Board of Directors
| Name | Designation | Year |
|---|---|---|
| Yashish Dahiya | Chairman/ED & CEO | 2025 |
| Alok Bansal | Executive Vice Chairman & WTD | 2025 |
| SARBVIR SINGH | ED / WTD / Joint CEO | 2025 |
| Dhruv Shringi | Independent Non Exe. Director | 2025 |
| VEENA VIKAS MANKAR | Independent Non Exe. Director | 2025 |
| Nilesh Bhaskar Sathe | Independent Non Exe. Director | 2025 |
| KITTY AGARWAL | Non-Exec & Non-Independent Dir | 2025 |
| BHASKER JOSHI | Company Sec. & Compli. Officer | 2025 |
Segments — Product
| Segment | Revenue | Share |
|---|---|---|
| rendering online marketing and info | ₹0 Cr | — |
Capital Structure (₹ Cr)
| Year | Face Value | Authorised | Issued | Paid-up |
|---|---|---|---|---|
| 2025 | ₹2 | 98 | 92 | 92 |
Related-Party Transactions (₹ Cr)
| Year | Subsidiaries | Associates | JV | KMP | Others | Total |
|---|---|---|---|---|---|---|
| 2025 | 977 | 0 | 0 | 114 | 0 | 1,091 |
| 2025 | 699 | 0 | 0 | 0 | 0 | 699 |
| 2025 | 200 | 0 | 0 | 0 | 0 | 200 |
Insider / Designated-Person Trades
30 recent disclosure(s)
Etechaces Employees Stock Option Plan TrustDisposal · 55,21,601
Etechaces Employees Stock Option Plan TrustDisposal · 25,000
Etechaces Employees Stock Option Plan TrustDisposal · 45,67,500
Etechaces Employees Stock Option Plan TrustDisposal · 50,00,000
Etechaces Employees Stock Option Plan TrustDisposal · 3,33,500
Etechaces Employees Stock Option Plan TrustDisposal · 22,38,000
Substantial Acquisitions (SAST)
9 disclosure(s)
Allotment06/12/2025 · 2,99,48,003
Allotment06/12/2025 · 2,99,41,996
Scheme Of Amalgamation06/12/2025 · 2,99,41,996
Market12/11/2025 · 92,14,138
Market12/11/2025 · 92,14,138
Market28/05/2024 - 29/08/2024 · 97,00,000
Company Information
Incorporated2008
ChairmanYashish Dahiya
AuditorWalker Chandiok & Co LLP
Investor Email[email protected]; complianceofficer
📍 Plot No 119 Sector 44, Gurgaon, Haryana, 122001
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