Past 10 year’s financial track record analysis by Moneyworks4me indicates that PB Fintech Ltd is a below average quality company.
The key valuation ratios of PB Fintech Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of PB Fintech Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROCE % ⓘ | -85.1% | -34.7% | 13.2% | -3.1% | -0.7% | 1.4% | 1.2% | -6.1% | -1% | 0.6% | - |
| Value Creation Index ⓘ | -8.6 | -4.1 | 0.2 | -1.3 | -1.1 | -0.9 | -0.9 | -1.5 | -1.1 | -1.0 | - |
Growth Parameters ⓘGrowth Parameters Colour Code Guide ⓘ | |||||||||||
| Sales ⓘ | 29.3 | 50.1 | 105 | 79.2 | 50 | 61.1 | 123 | 103 | 134 | 110 | 129 |
| Sales YoY Gr. | - | 71.3% | 109.1% | -24.5% | -36.9% | 22.3% | 102% | -16.4% | 30% | -17.8% | - |
| Adj EPS ⓘ | -6.9 | -8.4 | 6.9 | -6.9 | -4 | -3.9 | 1.6 | -6.7 | -1.6 | 0.8 | 0.6 |
| YoY Gr. | - | NA | NA | -199.6% | NA | NA | NA | -506.7% | NA | NA | - |
| BVPS (₹) ⓘ | 10.1 | 35.2 | 45.5 | 97.1 | 90.9 | 203.6 | 244.3 | 143 | 145.7 | 149 | 171.6 |
| Adj Net Profit ⓘ | -61.6 | -75.2 | 62.4 | -62.2 | -38.2 | -37.4 | 18.7 | -300 | -72.8 | 36.4 | 28 |
| Cash Flow from Ops. ⓘ | -126 | -55.7 | 87.4 | -57.2 | -199 | -111 | 70.8 | -56.7 | -5 | 42.6 | - |
| Debt/CF from Ops. ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | 15.9% | 17.2% | -3.7% | -17.8% | ||||
| Adj EPS ⓘ | NA | NA | -21% | NA | ||||
| BVPSⓘ | 34.9% | 10.4% | -15.2% | 2.3% | ||||
| Share Price | - | - | 8.9% | 110.4% | ||||
Performance Ratio Colour Code Guide ⓘ
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | -85.1 | -32.8 | 15.8 | -9.1 | -4.1 | -2.5 | 0.8 | -6.1 | -1 | 0.5 | 0.4 |
| Op. Profit Mgn % ⓘ | -230.6 | -149.7 | 29 | -54.3 | -79 | -46.1 | -16.4 | -396.7 | -196.9 | -184.8 | -168.4 |
| Net Profit Mgn % ⓘ | -210.5 | -150 | 59.5 | -78.6 | -76.5 | -61.2 | 15.1 | -290.4 | -54.2 | 33 | 21.3 |
| Debt to Equity ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Cap Days ⓘ | 347 | 337 | 190 | 260 | 590 | 547 | 254 | 2,397 | 5,781 | 9,019 | 3,472 |
| Cash Conv. Cycle ⓘ | 85 | 95 | -87 | -27 | 22 | 24 | 20 | 26 | 3 | -28 | 3,390 |
Return on Equity has increased versus last 3 years average to 0.40%
Sales growth is good in last 4 quarters at 31.39%
Sales growth has been subdued in last 3 years -3.68%
Net Profit has been subdued in last 3 years -20.95%
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 0.6 | 4.6 |
| TTM Sales (₹ Cr.) | 129 | 4,138 |
| BVPS (₹.) ⓘ | 171.6 | 133.1 |
| Reserves (₹ Cr.) ⓘ | 7,782 | 6,016 |
| P/BV ⓘ | 10.02 | 12.91 |
| PE ⓘ | 0.00 | 376.55 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 727.65 / 1966.00 |
| All Time Low / High (₹) | 356.20 / 1966.00 |
| Market Cap (₹ Cr.) | 78,882 |
| Equity (₹ Cr.) | 91.8 |
| Face Value (₹) | 2 |
| Industry PE ⓘ | 349.4 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 29 | 50 | 105 | 79 | 50 | 61 | 123 | 103 | 134 | 110 |
| Operating Expenses ⓘ | 97 | 146 | 74 | 122 | 89 | 89 | 144 | 513 | 400 | 314 |
| Manufacturing Costs | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 1 |
| Material Costs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Employee Cost | 35 | 34 | 21 | 31 | 33 | 76 | 130 | 484 | 382 | 238 |
| Other Costs ⓘ | 60 | 111 | 53 | 92 | 56 | 13 | 13 | 29 | 18 | 75 |
| Operating Profit ⓘ | -67 | -96 | 30 | -43 | -39 | -28 | -20 | -409 | -266 | -204 |
| Operating Profit Margin (%) | -230.0% | -191.0% | 29.0% | -54.3% | -79.0% | -46.1% | -16.4% | -396.0% | -198.0% | -184.0% |
| Other Income ⓘ | 7 | 19 | 23 | 25 | 34 | 87 | 56 | 114 | 197 | 252 |
| Interest ⓘ | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 1 | 1 | 1 |
| Depreciation ⓘ | 1 | 2 | 1 | 3 | 1 | 9 | 4 | 4 | 4 | 3 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | -29 | -2 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | -62 | -79 | 52 | -21 | -6 | 19 | 27 | -300 | -74 | 44 |
| Tax ⓘ | 0 | 0 | -26 | 26 | 9 | 9 | 8 | -1 | 0 | 8 |
| Profit After Tax | -62 | -79 | 77 | -47 | -16 | 10 | 19 | -300 | -74 | 36 |
| PAT Margin (%) | -210.0% | -158.0% | 73.9% | -59.0% | -31.7% | 15.9% | 15.4% | -290.0% | -55.3% | 32.8% |
| Adjusted EPS (₹) | -6.9 | -8.8 | 8.6 | -5.2 | -1.7 | 1.0 | 1.7 | -6.7 | -1.7 | 0.8 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Shareholders Fund | 91 | 318 | 410 | 877 | 864 | 1,935 | 2,786 | 6,429 | 6,558 | 6,723 |
| Share Capital ⓘ | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 90 | 90 | 90 |
| Reserves ⓘ | 90 | 317 | 409 | 876 | 863 | 1,934 | 2,785 | 6,339 | 6,468 | 6,633 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Payables | 18 | 14 | 55 | 40 | 2 | 3 | 3 | 9 | 4 | 51 |
| Others Liabilities ⓘ | 26 | 32 | 11 | 42 | 102 | 125 | 217 | 494 | 825 | 1,040 |
| Total Liabilities ⓘ | 135 | 364 | 476 | 959 | 968 | 2,064 | 3,007 | 6,932 | 7,387 | 7,814 |
Fixed Assets | ||||||||||
| Gross Block | 10 | 15 | 5 | 7 | 5 | 11 | 24 | 23 | 23 | 23 |
| Accumulated Depreciation | 6 | 9 | 3 | 6 | 3 | 8 | 8 | 11 | 15 | 18 |
| Net Fixed Assetsⓘ | 3 | 6 | 3 | 2 | 2 | 3 | 16 | 11 | 8 | 6 |
| CWIP ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investmentsⓘ | 36 | 276 | 394 | 885 | 659 | 914 | 1,146 | 2,416 | 3,903 | 4,840 |
| Inventories | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Receivables | 14 | 27 | 30 | 28 | 4 | 8 | 12 | 6 | 1 | 2 |
| Cash Equivalents | 57 | 29 | 23 | 16 | 202 | 1,068 | 1,751 | 3,243 | 489 | 504 |
| Others Assetsⓘ | 26 | 27 | 26 | 29 | 101 | 70 | 81 | 1,256 | 2,987 | 2,461 |
| Total Assets ⓘ | 135 | 364 | 476 | 959 | 968 | 2,064 | 3,007 | 6,932 | 7,387 | 7,814 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -126 | -56 | 87 | -57 | -199 | -111 | 71 | -57 | -5 | 43 |
| PBT ⓘ | -62 | -79 | 52 | -21 | -6 | 19 | 30 | -300 | -74 | 44 |
| Adjustment ⓘ | 1 | 15 | -19 | -15 | 11 | -26 | 33 | 336 | 150 | -52 |
| Changes in Working Capital ⓘ | -82 | 5 | 58 | -29 | -206 | -98 | 14 | -86 | -76 | 76 |
| Tax Paid ⓘ | 2 | 3 | -4 | 8 | 2 | -6 | -6 | -7 | -4 | -25 |
| Cash Flow From Investing Activity ⓘ | -13 | -248 | -78 | -463 | 231 | -170 | -1,283 | -3,748 | -180 | 95 |
| Capex | -4 | -5 | 0 | -2 | -1 | -1 | 0 | 0 | 0 | 0 |
| Net Investments | 0 | -192 | 66 | -441 | 575 | 171 | -1,093 | -2,952 | 1,031 | 341 |
| Others ⓘ | -9 | -51 | -144 | -20 | -343 | -340 | -190 | -797 | -1,211 | -245 |
| Cash Flow From Financing Activityⓘ | 140 | 315 | 0 | 513 | 0 | 1,050 | 776 | 3,642 | -3 | -3 |
| Net Proceeds from Shares ⓘ | 140 | 315 | 0 | 513 | 0 | 1,059 | 0 | 3,645 | 0 | 0 |
| Net Proceeds from Borrowing ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Paid ⓘ | 0 | 0 | 0 | 0 | 0 | -1 | -1 | -1 | -1 | -1 |
| Dividend Paid ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Others ⓘ | 0 | 0 | 0 | 0 | 0 | -8 | 777 | -2 | -3 | -3 |
| Net Cash Flow ⓘ | 2 | 11 | 9 | -7 | 32 | 769 | -436 | -163 | -188 | 134 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | -100.1 | -39.01 | 21.33 | -7.27 | -1.82 | 0.7 | 0.81 | -6.5 | -1.14 | 0.55 |
| ROCE (%) | -85.05 | -34.65 | 13.15 | -3.11 | -0.68 | 1.36 | 1.19 | -6.08 | -1.03 | 0.6 |
| Asset Turnover Ratio | 0.33 | 0.2 | 0.25 | 0.11 | 0.05 | 0.04 | 0.05 | 0.02 | 0.02 | 0.01 |
| PAT to CFO Conversion(x) | N/A | N/A | 1.13 | N/A | N/A | -11.1 | 3.74 | N/A | N/A | 1.19 | Working Capital Days |
| Receivable Days | 131 | 147 | 99 | 133 | 116 | 36 | 29 | 31 | 9 | 4 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PB Fintech has built India’s largest online platform for insurance and lending products leveraging the power of technology, data and innovation. It provides convenient access to insurance, credit and other financial products and aim to create awareness amongst Indian households about the financial impact of death, disease and damage. Through its consumer-centric approach, it seek to enable online research-based purchases of insurance and lending products and increase transparency, which enables consumers to make informed choices. It also facilitate its Insurer and Lending Partners in the financial services industry to innovate and design customised products for Consumers leveraging its extensive data insights and data analytics capabilities. The company launched Policybazaar, its flagship platform, in 2008 to respond to Consumers’ need for more awareness, choice and transparency and create a consumer-pull based, provider-neutral model for insurance distribution.
The company primarily generate revenues from the following sources: (i) for its Policybazaar business, from insurance commission that it receive from its Insurer Partners, and additional services that it provide to Insurer Partners such as telemarketing and other services relating to sales and post-sales services, account management, premium collection and various other services, (ii) for its Paisabazaar business, from the commission that it receive from its Lending Partners, credit advisory and related services that it provide to its Consumers or Lending Partners, and marketing services that it provide to financial services partners and other third parties, and (iii) for the Company, from providing online marketing, consulting and technology services to Insurer and Lending Partners.
The company’s Policybazaar platform is an online platform for Consumers and Insurer Partners to, respectively, buy and sell core insurance products. As of September 30, 2021, 48 Insurer Partners have offered over 390 term, health, motor, home and travel insurance products on its Policybazaar platform, representing a substantial portion of all licensed insurance companies in India. Policybazaar offers Consumers an information-rich, user-friendly, and tech-driven self-service platform for i) pre-purchase research, ii) purchase, including application, inspection, medical check-up and payment; and iii) post-purchase policy management, including claims facilitation, renewals, cancellations and refunds.
Business area of the company
The company is India's leading online platform for insurance and lending products. The company provides convenient access to insurance, credit, and other financial products and aims to create awareness in India about the financial impact of death, disease, and damage.
Awards and Accreditations:
Paisabazaar
Policybazaar
Milestone:
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MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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