PB FinTech Complete Financial Statements
In FY2026, PB FinTech (POLICYBZR) reported revenue ₹2,166 Cr, net profit ₹261 Cr and EPS ₹5.65, with a net profit margin of 12.0% and ROE of 4.1%. Full financial statements from FY2015 to FY2026 (11 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Explore POLICYBZR value investing to estimate fundamental worth using multiple valuation models.
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Profitability Ratios
Balance Sheet Ratios
POLICYBZR Revenue, Net Profit & EBITDA — Year-on-Year Growth
POLICYBZR YoY (Mar 2025 vs Mar 2026) — revenue +34.6%, net profit +53.5%, EBITDA +48.8%, expenses +32.4%. For live price, earnings ratios and company overview, see PB FinTech screener.
POLICYBZR Income Statement — Revenue, EBITDA & Net Profit
PB FinTech revenue ₹2,166 Cr, EBITDA ₹317 Cr, net profit ₹261 Cr, EPS ₹5.65 (2026) — net profit margin 12.0%. Review POLICYBZR earnings multiple to evaluate earnings-based valuation against sector peers.
| Particulars | Mar 2026 | Sept 2025 | Mar 2025 | Jun 2025 | Dec 2025 | Sept 2024 | Mar 2024 | Jun 2024 | Dec 2024 | Sept 2023 | Mar 2023 | Jun 2023 | Dec 2023 | Sept 2022 | Mar 2022 | Jun 2022 | Dec 2022 | Sept 2021 | Mar 2021 | Jun 2021 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,166 | 1,701 | 1,609 | 1,448 | 1,857 | 1,274 | 1,188 | 1,152 | 1,392 | 909 | 951 | 757 | 965 | 634 | 591 | 553 | 679 | 300 | 290 | 258 | 401 | 230 |
| Expenses | 1,849 | 1,516 | 1,396 | 1,314 | 1,612 | 1,175 | 1,085 | 1,050 | 1,264 | 901 | 937 | 743 | 898 | 800 | 795 | 740 | 744 | 491 | 339 | 356 | 685 | 234 |
| EBITDA | 317 | 185 | 213 | 135 | 244 | 99 | 103 | 102 | 128 | 8 | 14 | 14 | 67 | -166 | -204 | -187 | -65 | -191 | -49 | -98 | -284 | -4 |
| Operating Profit Margin % | 10.00% | 6.00% | 7.00% | 3.00% | 9.00% | -1.00% | 0.00% | -4.00% | 2.00% | -11.00% | -8.00% | -12.00% | -3.00% | -39.00% | -47.00% | -46.00% | -22.00% | -76.00% | -25.00% | -50.00% | -86.00% | -10.00% |
| Depreciation | 35 | 34 | 33 | 34 | 34 | 29 | 24 | 25 | 34 | 22 | 18 | 20 | 23 | 16 | 12 | 13 | 18 | 10 | 10 | 10 | 11 | 12 |
| Interest | 10 | 9 | 9 | 9 | 9 | 9 | 7 | 6 | 9 | 7 | 6 | 6 | 6 | 6 | 4 | 4 | 6 | 3 | 3 | 3 | 4 | 3 |
| Profit Before Tax | 272 | 142 | 171 | 92 | 201 | 60 | 73 | 71 | 85 | -21 | -9 | -12 | 37 | -187 | -220 | -204 | -88 | -204 | -62 | -111 | -298 | -18 |
| Tax | 11 | 7 | 1 | 8 | 12 | 9 | 13 | 11 | 14 | 0 | 0 | 0 | 0 | 0 | -1 | 0 | 0 | 0 | 2 | 0 | 0 | 2 |
| Net Profit | 261 | 135 | 170 | 85 | 189 | 51 | 60 | 60 | 72 | -21 | -9 | -12 | 37 | -187 | -220 | -204 | -88 | -204 | -64 | -111 | -298 | -20 |
| Earnings Per Share (₹) | 5.65 | 2.94 | 3.71 | 1.85 | 4.11 | 1.12 | 1.35 | 1.34 | 1.57 | -0.45 | -0.20 | -0.26 | 0.85 | -4.19 | -4.99 | -4.62 | -1.96 | -5.26 | -2823.94 | -2.91 | -7.00 | -0.52 |
POLICYBZR Balance Sheet — Assets, Liabilities & Shareholders' Equity
POLICYBZR total assets ₹7,529 Cr, total equity ₹6,438 Cr, total liabilities ₹ Cr (2025) — ROE 4.1%.
| Particulars | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||
| Total Assets | 7,529 | 6,729 | 6,254 | 5,916 | 2,331 | 1,576 | 751 | 880 |
| Current Assets | 3,853 | 4,806 | 4,122 | 5,572 | 2,140 | 1,311 | 540 | 810 |
| Fixed Assets | 418 | 359 | 313 | 205 | 125 | 147 | 119 | 11 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2,173 | 1,359 | 622 | 373 | 138 | 2 | 125 | 650 |
| Other Assets | 4,938 | 5,011 | 5,319 | 5,338 | 2,068 | 1,427 | 507 | 219 |
| LIABILITIES | ||||||||
| Total Liabilities | ||||||||
| Current Liabilities | 340 | 249 | 218 | 166 | 118 | 107 | 74 | 7 |
| Non-Current Liabilities | ||||||||
| SHAREHOLDERS' EQUITY | ||||||||
| Total Equity | 6,438 | 5,877 | 5,485 | 5,412 | 1,992 | 1,266 | 490 | 788 |
| Share Capital | 92 | 90 | 90 | 90 | 1 | 1 | 1 | 1 |
| Reserves & Surplus | 6,340 | 5,781 | 5,386 | 5,322 | 1,991 | 1,265 | 489 | 787 |
POLICYBZR Cash Flow Statement — Operating, Investing & Financing
PB FinTech operating cash flow ₹-183 Cr, investing ₹492 Cr, financing ₹-73 Cr, net cash flow ₹236 Cr (2025).
| Particulars | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 | March 2018 | March 2016 | March 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | -183 | 9 | -299 | -1,568 | 29 | -364 | -282 | -83 | -97 | -102 |
| Investing Activities | 492 | 301 | 46 | -2,125 | -1,202 | 79 | 375 | -434 | -244 | -15 |
| Financing Activities | -73 | -57 | -43 | 3,621 | 759 | 1,031 | -23 | 513 | 315 | 119 |
| Net Cash Flow | 236 | 253 | -295 | -71 | -415 | 747 | 69 | -5 | -27 | 2 |