PB Fintech Limited

BSE: POLICYBZR543390ISIN INE417T01026

Financial Services
Financial Technology (Fintech)
BSE 100

Share price

₹966.00+42.90 (+4.65%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹1,963.00
52W low: ₹916.60
Off 52W high: -50.79%
1M return: -1.43%
3M return: -40.74%
6M return: -43.28%
1Y return: -47.01%
20D avg volume: 2,32,031
50 DMA: ₹1,376.40
200 DMA: ₹1,538.76

Key ratios Consolidated

Market cap: ₹44,702 Cr
Current price: ₹966.00
52W high / low: ₹1,963.00 / ₹916.60
Face value: ₹2.00
P/E: 55.47
P/B: 5.75
EPS (TTM): ₹17.42
Book value / share: ₹168.01
ROE: —
ROCE: 9.70%
Operating margin: —
Net margin: —
Debt / equity: 0.00
Net debt: ₹-746.26 Cr
Interest cover: 20.11
Dividend yield: —
Dividend / share (TTM): —
Payout: —
Cash conversion cycle: 67.6 days

Financials

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	2,178	1,888	2,061	1,771	1,614	1,348	1,508	1,292	1,167	1,010	1,090	870.89
	99.85	93.04	104.31	84.85	84.51	98.75	101.09	100.38	106.00	100.26	98.31	93.61
	2,278	1,981	2,166	1,856	1,698	1,447	1,609	1,392	1,273	1,111	1,188	964.50
	2,068	1,800	1,888	1,655	1,559	1,356	1,437	1,307	1,213	1,081	1,115	925.91
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—
	772.76	715.73	699.34	606.70	600.01	559.86	508.21	487.43	507.57	455.46	439.63	397.75
	11.67	11.13	9.78	9.31	9.23	8.77	9.17	9.31	8.98	6.37	6.57	6.44
	43.78	40.12	34.87	33.76	33.86	33.48	33.29	33.57	29.39	25.02	23.80	23.08
	1,239	1,033	1,144	1,006	915.72	753.74	886.62	450.15	355.23	317.47	376.39	256.07
	209.90	181.06	277.92	200.56	139.24	90.89	171.67	85.18	59.84	29.62	73.36	38.59
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	41.05	0.00	0.00
	209.90	181.06	277.92	200.56	139.24	90.89	171.67	85.18	59.84	70.67	73.36	38.59
	13.02	15.67	10.74	11.64	7.17	7.69	0.79	13.58	9.27	10.82	12.70	0.00
	192.39	162.91	261.16	189.43	134.89	84.65	170.66	71.54	50.98	59.98	60.19	37.23
	4.16	3.53	5.65	4.11	2.94	1.85	3.73	1.57	1.12	1.34	1.35	0.85
Key metrics
	265.35	232.31	322.57	243.63	182.33	133.14	214.13	128.06	98.21	102.06	103.73	68.11
	12.20%	12.30%	15.60%	13.80%	11.30%	9.90%	14.20%	9.90%	8.40%	10.10%	9.50%	7.80%
	8.80%	8.60%	12.70%	10.70%	8.40%	6.30%	11.30%	5.50%	4.40%	5.90%	5.50%	4.30%
	2.70%	—	3.70%	—	2.10%	—	2.70%	—	—	—	—	—
	35.00%	40.10%	36.70%	37.10%	38.20%	33.40%	38.40%	48.30%	—	—	—	—
	42.60%	92.50%	53.00%	164.80%	164.60%	41.10%	183.50%	92.20%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	7,898	6,794	4,977	3,438	2,558	1,425
	382.05	372.43	407.73	380.57	258.99	125.39
	8,281	7,166	5,385	3,818	2,817	1,550
	7,411	6,458	5,039	3,739	3,305	2,384
	0.00	0.00	0.00	—	—	—
	0.00	0.00	0.00	—	—	—
	2,795	2,466	1,959	1,644	1,540	1,256
	41.89	37.09	33.83	26.46	21.36	13.57
	152.53	135.97	121.27	88.72	63.82	42.84
	4,422	3,819	2,925	966.03	225.74	137.72
	869.44	708.61	346.31	79.13	-487.79	-833.35
	0.00	0.00	41.05	0.00	0.00	0.00
	869.44	708.61	387.36	79.13	-487.79	-833.35
	51.07	37.24	34.46	12.70	0.02	0.48
	805.89	670.13	353.16	64.41	-487.94	-832.91
	17.45	14.58	7.77	1.50	-10.97	20.34
Key metrics
	1,064	881.67	542.46	194.31	-402.61	-776.94
	13.47%	13.00%	10.90%	5.70%	-15.70%	-54.50%
	10.20%	9.90%	7.10%	1.90%	-19.10%	-58.50%
	—	9.70%	6.20%	—	—	—
	37.10%	36.50%	44.80%	34.40%	79.50%	—
	74.53%	89.80%	448.30%	113.20%	41.40%	—
	—	-38.41	-280.26	—	—	—
	—	0.06	-0.52	—	—	—
	—	0.00	0.00	—	—	—
	—	-746.26	-560.51	—	—	—
	—	67.6	46.4	—	—	—
Balance sheet
	—	8,707	7,529	—	—	—
	—	4,376	3,853	—	—	—
	—	746.26	560.51	—	—	—
	—	1,729	999.61	—	—	—
	—	0.00	0.00	—	—	—
	—	93.80	63.91	—	—	—
	—	430.40	411.10	—	—	—
	—	471.13	366.94	—	—	—
	—	991.97	751.28	—	—	—
	—	0.00	0.00	—	—	—
	—	0.00	0.00	—	—	—
	—	0.00	0.00	—	—	—
	—	7,318	6,438	—	—	—
Cash flow
	—	41.49	-183.14	—	—	—
	—	213.77	457.68	—	—	—
	—	-81.24	-72.69	—	—	—
	—	79.90	97.12	—	—	—

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	5.40	397.99	65.14	53.66	49.38	40.19	46.85	38.89	37.63	30.07	34.31	27.14
	51.90	55.18	50.35	54.05	52.48	56.45	63.22	65.36	67.71	62.20	63.37	63.15
	57.30	453.17	115.49	107.71	101.86	96.64	110.07	104.25	105.34	92.27	97.68	90.29
	32.91	32.00	106.40	88.27	101.13	88.76	142.33	86.17	99.03	83.82	104.03	63.33
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—	—	—	—	—
	25.50	24.41	30.60	32.07	37.38	37.22	36.76	34.52	49.03	48.86	47.56	47.41
	0.80	0.80	0.82	0.82	0.83	0.29	0.04	0.05	0.09	0.10	0.13	0.14
	0.88	0.88	0.92	0.89	0.91	0.86	0.84	0.82	0.81	0.81	0.74	0.75
	5.73	5.91	74.06	54.49	62.01	50.39	104.69	1.91	2.25	2.27	2.95	2.43
	24.39	421.17	9.09	19.44	0.73	7.88	-32.26	18.08	6.31	8.45	-6.35	26.96
	0.00	0.00	9.53	0.00	0.00	0.00	11.16	—	—	3.22	-0.27	—
	24.39	421.17	18.62	19.44	0.73	7.88	-21.10	18.08	6.31	11.67	-6.62	26.96
	10.94	13.47	0.84	3.69	0.04	0.66	5.31	4.11	0.92	1.77	8.06	—
	13.45	407.70	17.78	15.75	0.69	7.22	-15.79	13.97	5.39	9.90	-14.68	26.96
	0.29	8.82	0.38	0.34	0.01	0.16	-0.34	0.31	0.12	0.22	-0.33	0.60
Key metrics
	26.07	422.85	20.36	21.15	2.47	9.03	-20.22	18.95	7.21	12.58	-5.75	27.85
	482.80%	106.20%	31.30%	39.40%	5.00%	22.50%	-43.20%	48.70%	19.20%	41.80%	-16.80%	102.60%
	249.10%	102.40%	27.30%	29.40%	1.40%	18.00%	-33.70%	35.90%	14.30%	32.90%	-42.80%	99.30%
	0.30%	—	0.20%	—	0.00%	—	-0.30%	—	—	—	—	—
	-89.10%	890.30%	39.00%	38.00%	31.20%	33.70%	36.50%	43.30%	—	—	—	—
	1,849.30%	5,546.80%	212.60%	12.70%	-87.20%	-27.10%	-7.60%	-48.20%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	522.19	208.37	153.44	110.29	134.15	103.18
	211.48	213.34	258.49	252.11	194.74	114.25
	733.67	421.71	411.93	362.40	328.88	217.43
	259.58	384.57	411.35	317.88	403.04	517.68
	0.00	0.00	0.00	—	—	—
	0.00	0.00	0.00	—	—	—
	112.58	137.27	169.17	238.39	381.98	483.80
	3.24	2.76	0.28	0.62	0.90	1.15
	3.57	3.58	3.28	3.05	3.74	3.90
	140.19	240.96	238.62	8.41	8.79	21.49
	474.09	37.14	0.58	44.52	-74.16	-300.25
	9.53	9.53	14.38	-0.27	—	—
	483.62	46.67	14.96	44.25	-74.16	-300.25
	28.94	5.23	1.49	8.06	0.00	0.56
	454.68	41.44	13.47	36.19	-74.16	-299.68
	9.83	0.90	0.30	0.81	-1.67	-7.32
Key metrics
	490.43	53.01	18.52	47.92	-69.52	-295.20
	93.92%	25.40%	12.10%	43.40%	-51.80%	-286.10%
	87.07%	19.90%	8.80%	32.80%	-55.30%	-290.40%
	—	0.60%	0.20%	—	—	—
	197.87%	35.80%	39.10%	-17.80%	30.00%	—
	7,366.01%	207.60%	-62.80%	148.80%	75.30%	—
	—	-136.65	-104.04	—	—	—
	—	-3.25	-7.64	—	—	—
	—	0.00	0.00	—	—	—
	—	-225.15	-374.21	—	—	—
	—	-96.4	-82.2	—	—	—
Balance sheet
	—	8,297	8,059	—	—	—
	—	1,845	2,044	—	—	—
	—	225.15	374.21	—	—	—
	—	2.80	0.66	—	—	—
	—	0.00	0.00	—	—	—
	—	75.41	33.76	—	—	—
	—	26.53	2.61	—	—	—
	—	57.81	35.21	—	—	—
	—	73.40	99.53	—	—	—
	—	0.00	0.00	—	—	—
	—	0.00	0.00	—	—	—
	—	0.00	0.00	—	—	—
	—	8,197	7,958	—	—	—
Cash flow
	—	-134.60	-102.88	—	—	—
	—	-14.56	315.69	—	—	—
	—	0.09	-2.50	—	—	—
	—	2.05	1.16	—	—	—

Compounded growth

Standalone

Sales CAGR 3Y: +15.81%
Sales CAGR 5Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Sales YoY (TTM): +197.87%
Profit YoY (TTM): +7,366.01%

Consolidated

Sales CAGR 3Y: +38.49%
Sales CAGR 5Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Sales YoY (TTM): +37.10%
Profit YoY (TTM): +74.53%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 0.00%

Quarter	September 2026	June 2026
Promoter %	0.00%	0.00%

Holder	Type	Holding	Previous	Change
Hdfc Trustee Company Limited-Hdfc Flexi Cap Fund	Public	6.68%	—	—
Info Edge (India) Limited	Public	6.47%	6.47%	0.00%
Icici Prudential Large & Mid Cap Fund	Public	4.31%	—	—
Nps Trust- A/C Sbi Pension Fund Scheme - State Govt	Public	4.28%	4.17%	+0.11%
Diphda Internet Services Limited	Public	4.08%	4.08%	0.00%
Macritchie Investments Pte Ltd	Public	4.01%	6.47%	-2.46%
Axis Mutual Fund Trustee Limited A/C Axis Mutual Fund A/C Axis Midcap Fund	Public	3.63%	3.04%	+0.59%
Yashish Dahiya	Public	3.30%	3.30%	0.00%
Mirae Asset Large & Midcap Fund	Public	2.89%	3.45%	-0.56%
Nippon Life India Trustee Ltd-A/C Nippon India Multi Cap Fund	Public	2.21%	—	—
Tata Digital India Fund	Public	2.09%	1.82%	+0.27%
Startup Investments (Holding) Limited	Public	1.87%	1.87%	0.00%
Franklin India Mid Cap Fund	Public	1.72%	—	—
Hdfc Life Insurance Company Limited	Public	1.66%	1.59%	+0.07%
Axis Max Life Insurance Limited A/C - Ulif01311/02/08lifehighgr104 - High Growth Fund	Public	1.61%	1.14%	+0.47%

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
One 97 Communications Limited	1,11,338	1,733.95	130.42	3.70%	+23.79% TTM	+239.93% TTM	+36.72%
PB Fintech Limited	44,702	966.00	55.47	9.70%	+37.10% TTM	+74.53% TTM	-47.01%
Pine Labs Limited	18,210	157.70	113.89	3.60%	—	—	—
Moneyview Limited	9,701	55.11	—	—	+43.26% FY26	+1.01% FY26	—
Manipal Payment and Identity Solutions Limited	7,688	331.65	—	—	—	—	—
Seshaasai Technologies Limited	5,187	320.60	18.81	23.40%	—	—	-13.86%
AvenuesAI Limited	4,465	127.95	138.99	6.50%	+110.17% TTM	+42.78% TTM	—
Network People Services Technologies Limited	3,615	1,732.85	80.92	12.50%	—	—	-1.04%
One Mobikwik Systems Limited	1,705	215.70	60.92	-6.30%	+7.05% TTM	+115.33% TTM	-14.57%
Turtlemint Fintech Solutions Limited	1,678	56.99	—	-58.60%	—	—	—
WSFX Global Pay Limited S	82	64.99	12.01	19.70%	+28.41% TTM	+119.49% TTM	+1.47%
Suvidhaa Infoserve Limited	58	2.00	-5.44	-34.50%	-34.10% TTM	+54.49% TTM	—
AGS TRANSACT TECHNOLOGIES LIMITED	29	2.26	—	—	-19.14% TTM	-86.47% TTM	-45.01%

Some figures use IPO-document inputs. Growth periods are shown per value; FY means annual.

Filings & corporate actions

Recent announcements

Please find enclosed the Transcripts of Earnings Call conducted on October 30 , 20264 Nov 2026 · Company Update / Earnings Call Transcript
Please find enclosed the copy of Newspaper Publication of Financial Results for the quarter and half year ended September 30, 202631 Oct 2026 · Company Update / Newspaper Publication
In furtherance to our earlier communication dated October 27, 2026 and pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we wish ....30 Oct 2026 · Company Update / Analyst / Investor Meet
Please find enclosed the financial results for the quarter and half year ended September 30., 202630 Oct 2026 · Result / Financial Results
Please find enclosed the Outcome of the Board Meeting held on October 30, 202630 Oct 2026 · Board Meeting / Outcome of Board Meeting
The Exchange has received the disclosure under Regulation 29(2) of SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011 for HDFC Mutual Fund30 Oct 2026 · Insider Trading / SAST / Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011
Pursuant to Regulation 30 of the SEBI (LODR) Regulations, 2015, we wish to inform you that the Board of Directors of the Company post approval and declaration of unaudited financial results ....27 Oct 2026 · Company Update / Analyst / Investor Meet
PB Fintech Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 30/10/2026 ,inter alia, to consider and approve the unaudited Standalone and Consolidated ....27 Oct 2026 · Board Meeting / Board Meeting
The Exchange has received the disclosure under Regulation 29(1) of SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011 for ICICI Prudential Mutual Fund21 Oct 2026 · Insider Trading / SAST / Disclosures under Reg. 29(1) of SEBI (SAST) Regulations, 2011
Please find enclosed the Certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 20189 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Please find enclosed disclosure under Regulation 30 of the SEBI (LODR) Regulations, 201530 Sep 2026 · Company Update / General
Please find enclosed the Voting Results and the Scrutinizer Report of 18th Annual General Meeting of the Company.30 Sep 2026 · AGM/EGM / AGM
Please find enclosed the intimation for Closure of Trading Window pursuant to the provisions of SEBI (Prohibition of Insider Trading) Regulations, 2015.29 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
Please find enclosed the Proceedings of the Annual General Meeting held on September 28, 2026.28 Sep 2026 · AGM/EGM / AGM
Please find enclosed the clarification on Price Movement.27 Sep 2026 · Company Update / General
The Exchange has sought clarification from PB Fintech Ltd on September 25, 2026 with reference to significant movement in price, in order to ensure that investors have latest relevant information ....25 Sep 2026 · Company Update / Clarification
Pursuant to Regulation 30 of the SEBI (LODR) Regulations, 2015, please find enclosed Transcript of the Analyst & Investor Call held on September 24, 2026.25 Sep 2026 · Company Update / General
Please find enclosed the intimation of analyst call24 Sep 2026 · Company Update / Analyst / Investor Meet
Please find enclosed the clarification on Market Rumour under Regulation 30(11) of the SEBI (LODR) Regulations, 201517 Sep 2026 · Others
Please find enclosed the disclosure under Regulation 30 of the SEBI (LODR) Regulations, 201516 Sep 2026 · Company Update / General
Please find enclosed the Intimation of Schedule of Analyst Meet on September 24, 202616 Sep 2026 · Company Update / Analyst / Investor Meet
Please find enclosed the Intimation of Schedule of Analyst Meet on September 23, 202616 Sep 2026 · Company Update / Analyst / Investor Meet
Please find enclosed the intimation for allotment of equity shares under PB Fintech Employees Stock Option Plan 20219 Sep 2026 · Company Update / Allotment of ESOP / ESPS
Please find enclosed the Intimation of Schedule of Analyst Meet on September 16, 20269 Sep 2026 · Company Update / Analyst / Investor Meet
Please find enclosed the Intimation of Schedule of Analyst Meet on September 14, 20269 Sep 2026 · Company Update / Analyst / Investor Meet
Please find enclosed herewith e-copies of the newspaper advertisement confirming dispatch of Notice of 18th AGM of the Company along with the Annual Report for FY 2025-26 and e-voting ....6 Sep 2026 · Company Update / Newspaper Publication
Please find enclosed the intimation regarding dispatch of physical communication to shareholders for Notice and Annual Report who have not registered their email address.5 Sep 2026 · Company Update / General
Please find enclosed the Business Responsibility and Sustainability Report (BRSR) for the financial year 2025-265 Sep 2026 · Others / Business Responsibility and Sustainability Reporting (BRSR)
Please find enclosed the Integrated Annual Report for the financial year 2025-26.5 Sep 2026 · Others / Reg. 34 (1) Annual Report
Please find enclosed the Notice convening 18th Annual General Meeting of the Company schedule to be held on September 28, 20265 Sep 2026 · AGM/EGM / AGM
Please find enclosed herewith copies of newspaper advertisement regarding 18th Annual General Meeting of the Company.3 Sep 2026 · Company Update / Newspaper Publication
Please find enclosed the Intimation of Analyst Meet scheduled to be held from September 08-10, 2026.2 Sep 2026 · Company Update / Analyst / Investor Meet
Please find enclosed the disclosure under Regulation 30 of the SEBI (LODR) Regulations, 201514 Aug 2026 · Company Update / General
Please find enclosed the Intimation of Schedule of Analyst Meet on August 17-18, 2026.12 Aug 2026 · Company Update / Analyst / Investor Meet
Please find enclosed Transcript of the Earnings Call conducted on August 05, 202611 Aug 2026 · Company Update / Earnings Call Transcript
Newspaper Publication of Financial Results ("Results") for the quarter ended June 30, 2026.7 Aug 2026 · Company Update / Newspaper Publication
In furtherance to our earlier communication dated July 31, 2026 and pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we wish to ....5 Aug 2026 · Company Update / Analyst / Investor Meet
Please find enclosed the intimation for Reconstitution of Committees of the Board.5 Aug 2026 · Company Update / General
Please find enclosed the financial results for the quarter ended June 30, 20265 Aug 2026 · Result / Financial Results
Please find enclosed the Outcome of the Board Meeting held on Wednesday, August 05, 20265 Aug 2026 · Board Meeting / Outcome of Board Meeting

Board meetings

30 Oct 2026 Board Meeting - Financial Results
5 Aug 2026 Board Meeting - Financial Results