	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Total Revenue	492	771	887	1,425	2,558	3,438	4,977	6,794
Gross Profit	492	771	887	1,425	2,558	3,438	4,977	6,794
Gross Margin	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0
Total Operating Expenses	859	1,138	1,087	2,370	3,283	3,712	5,004	6,421
Operating Profit	-367	-367	-201	-945	-725	-275	-27	373
Operating Margin	-74.5	-47.6	-22.7	-66.3	-28.4	-8.0	-0.5	5.5
Financing Income/(Expense) - Net	29	68	51	104	224	336	349	-37
Profit before Taxes	-337	-295	-142	-833	-488	77	388	707
Income Taxes	9	9	8	0	0	13	34	37
Profit after Tax	-347	-304	-150	-833	-487	67	353	670
PAT Margin	-70.5	-39.4	-16.9	-58.5	-19.0	1.9	7.1	9.9
EPS - Basic - ex Extraordinary Items	-8.43	-7.39	-3.65	-20.34	-10.95	1.45	7.77	14.58
EPS - Diluted - ex Extraordinary Items	-8.43	-7.39	-3.65	-20.34	-10.95	1.45	7.65	14.58
EBIT	-367	-367	-201	-945	-725	-275	-27	373
EBITDA	-336	-320	-159	-902	-662	-186	94	509
EBITDA Margin	-68.3	-41.5	-18.0	-63.3	-25.9	-5.4	1.9	7.5

Balance Sheet

Abridged

Understanding Balance Sheet

PB Fintech Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	PR	PR	PR	AR	AR	AR	AR	PRESS
Total Current Assets	540	1,311	2,139	5,572	4,122	4,822	3,853	4,376
Long-Term Investments	0	0	6	60	1,658	1,209	2,675	2,636
Property Plant & Equipment - Net	117	142	121	180	270	315	411	430
Total Non-Current Assets	212	265	191	344	2,132	1,906	3,676	4,331
Total Assets	751	1,576	2,331	5,915	6,254	6,729	7,529	8,707
Total Current Liabilities	187	203	221	337	551	603	751	992
Long Term Debt	64	93	96	141	194	214	276	305
Total Non-Current Liabilities	74	107	118	166	218	249	340	397
Total Liabilities	261	310	339	504	769	852	1,092	1,389
Total Shareholders' Equity	490	1,266	1,992	5,412	5,476	5,871	6,432	7,312
Minority Interest	-	-	-	-	8	5	6	6
Total Equity	490	1,266	1,992	5,412	5,485	5,876	6,438	7,318
Total Liabilities & Equity	751	1,576	2,331	5,915	6,254	6,729	7,529	8,707

Cash Flow

Abridged

Understanding Cash Flow Statement

PB Fintech Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	-321	-342	13	-224	34	129	595	921
Working Capital - Increase/(Decrease)	33	-24	39	-1,256	-134	48	-391	-633
Net CF from Operating Activities	-288	-366	52	-1,480	-100	177	204	289
Capital Expenditures - Net	35	32	5	31	64	63	96	78
Net CF from Investing Activities	374	70	-1,237	-2,228	-178	106	37	-70
Stock - Issuance/(Retirement) - Net	0	1,059	781	3,645	0	0	2	3
Debt - LT & ST - Issuance/(Retirement) - Total	-16	-18	-11	-10	-22	-31	-41	-47
Net Cash Flow from Financing Activities	-16	1,042	770	3,635	-22	-31	-39	-44
Free Cash Flow to Equity	-339	-416	37	-1,522	-186	83	66	164
Free Operating CF net dividend	-323	-398	46	-1,513	-166	114	107	209
Free Operating CF	-323	-398	46	-1,513	-166	114	107	209

Business Segment Analysis

FY End:

Mar 25

PB Fintech Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex

Insurance Web Aggregator Services (85.0%)₹ 206.46 CrOther Services (15.0%)₹ 36.38 Cr

Revenue / Sales

Insurance Web Aggregator Services (86.4%)₹ 4,297.98 CrOther Services (13.6%)₹ 679.23 Cr

Assets

Other Services (59.1%)₹ 4,452.11 CrInsurance Web Aggregator Services (40.9%)₹ 3,077.30 Cr

Regional Segment Analysis

FY End:

Mar 25

PB Fintech Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (95.0%)₹ 4,726.11 CrUnited Arab Emirates (5.0%)₹ 251.10 Cr

Historical Segment Analysis

Track how PB Fintech Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Business

Regional

Business

	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31

Insurance Web Aggregator Services	70	97	90	206
Other Services	62	69	78	36

Frequently Asked Questions

What is the revenue of PB Fintech Ltd.?

The latest trailing twelve month revenue of PB Fintech Ltd. is ₹ 6,794.02 Cr, reflecting a 1-year growth of 36.50% and a 3-year CAGR of 38.49%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of PB Fintech Ltd.?

The latest trailing twelve month net profit (PAT) of PB Fintech Ltd. is ₹ 669.94 Cr. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of PB Fintech Ltd.?

The trailing twelve month EBITDA of PB Fintech Ltd. is approximately ₹ 373.27 Cr (based on an operating margin of 5.49%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of PB Fintech Ltd.?

The trailing twelve month Earnings Per Share (EPS) of PB Fintech Ltd. is 14.58. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of PB Fintech Ltd.?

The debt-to-equity ratio of PB Fintech Ltd. stands at 0.05. The interest coverage ratio is 10.06x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of PB Fintech Ltd.?

The estimated book value per share of PB Fintech Ltd. is 149.70 (derived from a P/B ratio of 10.63 and market price of ₹ 1,591.20), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of PB Fintech Ltd.?

The trailing twelve month operating cash flow of PB Fintech Ltd. is ₹ 288.56 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does PB Fintech Ltd. report consolidated or standalone financials?

PB Fintech Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.