Flash Finance

PB Fintech LimitedPOLICYBZRBank / NBFC

Financial Services Insurance Brokers Latest results: Dec 2025 9 quarters of data
Consolidated Standalone
₹1,070.00
MCap ₹49,445 Cr
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
—
Interest Earned · Dec 2025
₹18 Cr
Operating Profit · Dec 2025
+0.0% YoY
₹14 Cr
Net Profit · Dec 2025
+0.0% YoY
₹0.34
EPS · Dec 2025
+9.7% YoY
—
Gross NPA % · Dec 2025
—
Net NPA % · Dec 2025

📝 PB Fintech Limited — results explained

Quarter ended December 2025 (Q3 FY26)

PB Fintech Limited reported total income of ₹104 crore for the quarter ended December 2025 (Q3 FY26), flat from ₹104 crore in the same quarter last year.

Net profit was flat year-on-year at ₹14 crore. Earnings per share (EPS) came in at ₹0.34.

Full year and trailing twelve months

For the full year FY25, PB Fintech Limited posted total income of ₹302 crore, with a net profit of ₹29 crore.

Valuation snapshot

At the current price of ₹1,070.00, POLICYBZR has a market capitalisation of ₹49,445 crore.

Within the Financial Services sector, it is the 25th-largest of the 84 companies we track by market value.

Shareholding pattern

As of Jun 2026, foreign institutional investors (FIIs) 37.30%, domestic institutional investors (DIIs) 40.42%, public shareholders 22.14% of PB Fintech Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹49,445 Cr
Current Price ?
₹1,070.0
P/E ?
N/A
Industry P/E ?
N/A
P/B ?
6.03
P/S ?
N/A
P/FCF ?
N/A
Enterprise Value ?
₹49,472 Cr
EV/EBITDA ?
N/A
PEG ?
N/A
Earnings Yield ?
N/A
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
N/A
OPM ?
N/A
Profit after tax (TTM) ?
N/A
EPS (TTM) ?
N/A
ROCE ?
0.0%
ROE ?
N/A
ROA ?
N/A
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹104 Cr
PAT — latest qtr ?
₹14 Cr
YoY qtr sales growth ?
0.0%
YoY qtr profit growth ?
0.0%
Sales growth (3y) ?
16%
Sales growth (5y) ?
11%
Profit growth (3y) ?
34%
Profit growth (5y) ?
76%
Financial Health
Debt ?
₹27 Cr
Debt to Equity ?
0.00
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
N/A
Change in promoter holding ?
N/A
Pledged percentage ?
N/A
Market
Return 3 months ?
-32.0%
Return 6 months ?
-33.2%

🗓️ Quarterly results (9 quarters · ₹ Cr)

same fiscal quarter as Dec bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Dec 2023Jun 2024Sep 2024Dec 2024Jun 2025Dec 2025 YoY % QoQ %
Interest Earned 32433527306839—— — —
Other Income 455962636238659754 -17.4% —
Total Income 7710297909210510497104 +0.0% —
Interest Expended 000000001 +1900.0% —
Operating Profit -22922278618818 +0.0% —
Provisions ————————— — —
Profit Before Tax -229222712618818 +0.0% —
Net Profit -229222710514714 +0.0% —
EPS -0.050.660.490.600.220.120.310.160.34 +9.7% —
Gross NPA % — — — — — — — — — — —
Net NPA % — — — — — — — — — — —
Capital Adequacy Ratio — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric Prev FY FY25 TTM YoY %
Interest Earned — ₹137 Cr — —
Other Income — ₹165 Cr — —
Total Income — ₹302 Cr — —
Interest Expended — ₹0 Cr — —
Net Interest Income — ₹136 Cr — —
Operating Profit — ₹33 Cr — —
Provisions — — — —
Profit Before Tax — ₹36 Cr — —
Tax — ₹7 Cr — —
Net Profit — ₹29 Cr — —
EPS — ₹0.65 — —

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 90909293 +1.1%
Reserves 7,2737,6397,8668,104 +3.0%
Borrowings 85127 +2600.0%
Other Liabilities 167110173 -27.7%
Total Liabilities 7,3877,8068,0598,297 +3.0%
Fixed Assets 86329 +866.7%
CWIP 0000 —
Investments 3,9034,8405,3706,328 +17.8%
Other Assets 3,4762,9592,6861,940 -27.8%
Total Assets 7,3877,8068,0598,297 +3.0%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -543-1030 +100.0%
Cash from Investing Activity -180953160 -100.0%
Cash from Financing Activity -3-3-20 +100.0%
Net Cash Flow -1881342100 -100.0%
Free Cash Flow -543-1040 +100.0%
CFO/OP 0%-33%33%0% -100.0%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Debtor Days 2625 +150.0%
Cash Conversion Cycle 2625 +150.0%
Working Capital Days 4,2937,2572,1042,707 +28.7%
ROCE % -1%1%-0%0% —

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 % Chg
FIIs 46.78%43.64%40.77%39.94%37.30% -6.6%
DIIs 23.27%26.63%29.54%36.72%40.42% +10.1%
Public 29.65%29.47%29.55%23.19%22.14% -4.5%
Others 0.28%0.27%0.14%0.14%— —
No. of Shareholders 1,64,5511,65,6001,59,2431,53,2611,50,458 -1.8%

⚖️ Peer comparison

Sector: Financial Services · top 25 of 84 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 HDFCBANK HDFC Bank ₹708.25 1,091,484 13.8 495,517 79,736 18.7% 16.1% 5.2% 8.4% 0.0% 18.4%
2 ICICIBANK ICICI Bank ₹1,379.30 990,020 18.9 203,498 52,183 27.0% 25.6% 4.7% 6.2% 5.4% 15.9%
3 SBIN State Bank ₹995.70 919,093 10.7 722,687 88,468 14.7% 12.2% 7.0% 8.3% 7.8% 11.1%
4 BAJFINANCE Bajaj Finance ₹1,034.50 643,553 31.7 86,183 20,648 21.1% 24.0% 18.4% 15.2% 18.7% 27.6%
5 KOTAKBANK Kotak Mahindra ₹419.00 416,807 20.5 111,296 20,296 20.5% 18.2% 1.0% -12.8% 12.6% 22.5%
6 AXISBANK Axis Bank ₹1,240.60 386,252 13.9 165,024 27,813 21.4% 16.9% 4.0% -5.8% 7.0% 22.2%
7 BAJAJFINSV Bajaj Finserv ₹1,913.50 306,207 — — — — — -12.7% -9.2% 239.4% 238.7%
8 SHRIRAMFIN Shriram Finance ₹1,028.60 242,034 21.1 50,068 11,318 27.5% 22.6% 15.1% 4.7% 16.3% 59.9%
9 CHOLAFIN Cholamandalam Investment ₹1,845.90 157,642 27.2 33,144 5,751 14.1% 17.4% 20.6% 22.7% 21.8% 45.6%
10 TATACAP TATA CAPITAL ₹363.00 153,066 28.2 32,694 5,478 17.8% 16.8% — — 15.1% 56.4%
11 JIOFIN Jio Financial ₹231.18 152,651 — — — — — 15.9% -20.1% 39.3% -51.0%
12 ICICIAMC ICICI PRUDENTIAL ₹3,040.20 150,264 — — — — — — — — —
13 BSE BSE ₹3,384.00 137,434 — — — — — 48.9% 104.2% 63.4% 62.2%
14 UNIONBANK Union Bank ₹178.20 136,031 6.6 129,552 20,644 11.5% 15.9% -0.6% 7.8% 1.0% 27.4%
15 PNB Punjab National ₹115.70 132,973 5.8 151,526 22,871 15.0% 15.1% 6.4% -0.6% 5.7% 15.2%
16 GROWW BILLIONBRAINS GARAGE ₹202.50 125,379 — — — — — — — 43.9% 53.8%
17 BAJAJHLDNG Bajaj Holdings ₹11,134.00 123,914 — — — — — -27.6% 6.7% 24.2% -22.3%
18 BANKBARODA Bank of Baroda ₹235.57 121,822 6.7 159,738 18,232 18.0% 11.4% 2.6% -3.9% 7.6% -48.6%
19 PFC Power Finance ₹353.45 116,642 4.5 115,462 33,642 28.0% 29.1% 8.4% 10.2% -0.2% 0.2%
20 HDFCLIFE HDFC Life ₹530.00 115,119 57.9 86,697 1,974 1.2% 2.3% 44.5% 5.6% -43.2% 11.5%
21 INDIANB Indian Bank ₹853.50 114,963 8.7 84,489 13,218 21.0% 15.6% 8.7% 3.9% 21.1% 13.9%
22 MUTHOOTFIN Muthoot Finance ₹2,792.10 112,094 10.6 31,349 10,606 33.7% 33.8% 54.4% 98.1% 65.1% 135.2%
23 CANBK Canara Bank ₹123.49 112,013 5.5 150,263 20,391 17.4% 13.6% 0.3% 12.2% -2.6% 11.0%
24 IRFC Indian Railway ₹81.09 105,973 14.4 30,364 7,372 18.9% 24.3% 0.7% 7.8% 24.4% 10.2%
25 POLICYBZR PB Fintech ₹1,797.30 83,053 — — — — — — — 37.0% 92.5%
❓ Frequently asked questions
What was PB Fintech Limited's total income in Q3 FY26?
PB Fintech Limited reported total income of ₹104 crore for the quarter ended December 2025 (Q3 FY26), flat from ₹104 crore in the same quarter last year.
What was PB Fintech Limited's net profit in Q3 FY26?
Net profit was flat year-on-year at ₹14 crore. Earnings per share (EPS) came in at ₹0.34.
What is POLICYBZR's market capitalisation and P/E ratio?
At the current price of ₹1,070.00, POLICYBZR has a market capitalisation of ₹49,445 crore.
Who owns PB Fintech Limited? (shareholding pattern)
As of Jun 2026, foreign institutional investors (FIIs) 37.30%, domestic institutional investors (DIIs) 40.42%, public shareholders 22.14% of PB Fintech Limited.
TTM ends N/A. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI