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PB Fintech LtdFinancial Technology (Fintech)INE417T01026Consolidated₹966.00+42.90 (+4.65%)

Valuation

Market Cap₹44.65K Cr

TTM PE55.30x

Forward PE54.25x

PEG7.35

Book Value₹168.03

P/B5.74x

TTM EPS₹17.45

Fwd EPS₹17.79

TTM Revenue₹7.90K Cr

TTM PAT₹805.89 Cr

TTM EBITDA₹681.81 Cr

TTM EBIT₹529.28 Cr

Last Qtr PAT₹192.39 Cr

Last Qtr EBITDA₹165.50 Cr

Last Qtr EBIT₹121.72 Cr

Profitability

ROE10.37%

ROCE11.25%

TTM NPM10.20%

TTM EBITDA %8.63%

Curr OPM8.45%

Last OPM8.22%

Curr NPM—

Last NPM—

Curr EPS₹4.16

Last EPS₹3.53

Balance sheet

Equity₹92.55 Cr

Reserve₹7.68K Cr

Total Debt₹329.00 Cr

D/E0.04x

Interest %6.07%

Curr Interest₹11.67 Cr

Price / range

Close₹965.00

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D+3.99%

1W-2.04%

1M-1.73%

3M-39.96%

6M-42.17%

1Y-47.06%

2Y-43.66%

3Y+37.35%

5Y—

Diwali-46.45%

Sector peers — Financial Technology (Fintech)

Company	Close	Mkt Cap	TTM P/E	ROE
PAYTM	1732.40	₹1.11L Cr	129.77	5.14%
INFIBEAM	127.78	₹44.68K Cr	146.87	6.89%
POLICYBZR	965.00	₹44.65K Cr	55.30	10.37%
PINELABS	157.77	₹18.20K Cr	112.69	2.66%
MPIMANIPAL	331.35	₹7.39K Cr	16.10	—
MOBIKWIK	215.61	₹1.70K Cr	60.74	4.92%
TURTLEMINT	56.87	₹1.67K Cr	9.77	—
MONEYVIEW	55.08	₹294.01 Cr	4.20	—

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, EBITDA, EBIT, PBT, Net Profit and EPS

Metric	Sep-26	Jun-26	Mar-26	Dec-25	Sep-25	FY25-26
Revenue	5.40-89.1%	397.99	65.14	53.66	49.38	208.37
Other Income	51.90	55.18	50.35	54.05	52.48	213.34
Total Income	57.30-43.7%	453.17	115.49	107.71	101.86	421.71
Interest	0.80	0.80	0.82	0.82	0.83	2.76
Expenditure	-32.91+67.5%	-32	-106.40	-88.27	-101.13	-384.57
PBDT	0	0	0	0	0	0
EBITDA	-25.83+48.4%	367.67	-39.52	-32.90	-50.01	-169.86
Depreciation	-0.88	-0.88	-0.92	-0.89	-0.91	-3.58
EBIT	-26.71+47.5%	366.79	-40.44	-33.79	-50.92	-173.44
PBT	24.39+3241.1%	421.17	18.62	19.44	0.73	46.67
Tax	-10.94	-13.47	-0.84	-3.69	-0.04	-5.23
Equity	92.55	92.54	92.54	92.53	0	92.54
OPM	42.57	92.94	16.12	18.05	1.48	11.07
Net Profit	13.45+1849.3%	407.70	17.78	15.75	0.69	41.44
NPM	23.47	89.97	15.40	14.62	1.40	9.83
EPS	0.29+2800.0%	8.82	0.38	0.34	0.01	0.90

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 23-24	FY 22-23
Revenue	208.37+35.8%	153.44+39.1%	110.29-17.8%	134.15
Other Income	213.34	258.49	252.11	194.74
Total Income	421.71+2.4%	411.93+13.7%	362.40+10.2%	328.88
Expenditure	-384.57+6.5%	-411.35-29.4%	-317.88+21.1%	-403.04
Interest	-2.76	-0.28	-0.62	-0.90
PBDT	0	0	0	0
EBITDA	-169.86+33.2%	-254.35-24.7%	-203.92+22.8%	-264.25
Depreciation	-3.58	-3.28	-3.05	-3.74
EBIT	-173.44+32.7%	-257.63-24.5%	-206.97+22.8%	-267.99
PBT	46.67+212.0%	14.96-66.2%	44.25+159.7%	-74.16
Tax	-5.23	-1.49	-8.06	0
Equity	92.54	91.85	0	0
OPM (%)	11.07	3.63	12.00	-23.00
Net Profit	41.44+207.6%	13.47-62.8%	36.19+148.8%	-74.16
NPM (%)	9.83	3.27	10.00	-23.00
EPS (Rs)	0.90+200.0%	0.30-63.0%	0.81+148.5%	-1.67
CEPS	0.89	0.29	0.78	-1.67

Metric	Sep-26	Jun-26	Mar-26	Dec-25	Sep-25	FY25-26
Revenue	2,177.71+35.0%	1,888.28	2,061.33	1,771.15	1,613.55	6,794.02
Other Income	99.85	93.04	104.31	84.85	84.51	372.43
Total Income	2,277.56+34.1%	1,981.32	2,165.64	1,856	1,698.06	7,166.45
Interest	11.67	11.13	9.78	9.31	9.23	37.09
Expenditure	-2,067.66-32.6%	-1,800.26	-1,887.72	-1,655.44	-1,558.82	-6,457.84
PBDT	0	0	0	0	0	0
EBITDA	165.50+69.2%	139.27	218.26	158.78	97.82	509.24
Depreciation	-43.78	-40.12	-34.87	-33.76	-33.86	-135.97
EBIT	121.72+90.3%	99.15	183.39	125.02	63.96	373.27
PBT	209.90+50.7%	181.06	277.92	200.56	139.24	708.61
Tax	-13.02	-15.67	-10.74	-11.64	-7.17	-37.24
Equity	92.55	92.54	92.54	0	0	92.54
OPM	9.22	9.14	12.83	10.81	8.20	9.89
Net Profit	192.39+42.6%	162.91	261.16	189.43	134.89	670.13
NPM	8.45	8.22	12.06	10.21	7.94	9.35
EPS	4.16+41.5%	3.53	5.65	4.11	2.94	14.58

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 23-24	FY 22-23
Revenue	6,794.02+36.5%	4,977.21+44.8%	3,437.68+34.4%	2,557.85
Other Income	372.43	407.73	380.57	258.99
Total Income	7,166.45+33.1%	5,384.94+41.0%	3,818.25+35.6%	2,816.84
Expenditure	-6,457.84-28.2%	-5,038.63-34.8%	-3,739.12-13.1%	-3,304.63
Interest	-37.09	-33.83	-26.46	-21.36
PBDT	0	0	0	0
EBITDA	509.24+443.6%	93.68+150.3%	-186.26+71.8%	-661.60
Depreciation	-135.97	-121.27	-88.72	-63.82
EBIT	373.27+1452.9%	-27.59+90.0%	-274.98+62.1%	-725.42
PBT	708.61+82.9%	387.36+389.5%	79.13+116.2%	-487.79
Tax	-37.24	-34.46	-12.70	0.02
Equity	92.54	91.85	0	0
OPM (%)	9.89	7.19	2.07	-17.32
Net Profit	670.13+89.8%	353.16+448.3%	64.41+113.2%	-487.94
NPM (%)	9.35	6.56	1.69	-17.32
EPS (Rs)	14.58+87.6%	7.77+418.0%	1.50+113.7%	-10.97
CEPS	14.16	7.65	1.45	-10.97

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

No dividend history.

Bonus

No bonus history.

Split

No split history.

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split