PB Fintech quarterly results and financials

PB Fintech (POLICYBZR)₹953.80−1.37%(9 Nov 2026 close)Financial Technology (Fintech)

Key facts

In the Jun 2026 quarter (consolidated), PB Fintech reported sales of ₹1,883 Cr, up 40.1% from Jun 2025, and net profit of ₹162 Cr, up 91.7% year on year. For the year to Mar 2026, sales were ₹6,776 Cr and net profit ₹668 Cr.

Sales (Jun 2026): ₹1,883 Cr
Net profit (Jun 2026): ₹162 Cr
Sales (FY Mar 2026): ₹6,776 Cr
Net profit (FY Mar 2026): ₹668 Cr
EPS (Jun 2026): ₹3.51
Borrowings (Mar 2026): ₹361 Cr

Company filings, consolidated accounts; latest reported quarter Jun 2026

PB Fintech quarterly results

₹ crore unless stated; each column is a quarter.

PB Fintech Quarterly results
	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	810	868	1,086	1,007	1,163	1,288	1,503	1,344	1,608	1,765	2,056	1,883
Expenses	904	901	1,089	1,053	1,179	1,269	1,400	1,319	1,521	1,617	1,855	1,756
Operating Profit	−88.81	−26.97	4.99	−38.94	−7.98	27.96	112	33.97	97.83	159	212	137
OPM %	−11.0%	−3.1%	0.5%	−3.9%	−0.7%	2.1%	7.0%	2.5%	6.0%	9.0%	10.0%	7.0%
Other Income	97.15	94.17	98.19	141	106	100	101	100	87.15	85.17	104	93.08
Interest	7.01	6.01	7.02	6.01	9.02	9.02	9.02	9.02	9.02	9.02	10.01	11.02
Depreciation	21.98	22.98	23.98	24.98	28.95	33.98	32.96	32.96	33.94	33.94	34.96	39.95
Profit before tax	−21.07	37.11	73.28	71.25	60.20	85.34	172	92.31	142	202	273	180
Tax %	−1.0%	0.0%	16.9%	14.9%	14.9%	15.9%	0.0%	7.9%	5.0%	5.9%	4.0%	9.0%
Exceptional items	0.00	0.00	0.00	34.99	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	−20.91	36.89	59.80	59.77	50.83	71.75	169	84.74	135	188	260	162
EPS (Rs)	−0.44	0.83	1.33	1.31	1.10	1.55	3.69	1.83	2.93	4.08	5.63	3.51

PB Fintech profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

PB Fintech Profit and loss
	Mar 2015	Mar 2016	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Sales	77.73	89.70	333	490	769	885	1,421	2,551	3,427	4,962	6,776	7,312
Expenses	150	233	387	831	1,095	1,049	2,331	3,230	3,640	4,896	6,305	6,749
Operating Profit	−71.85	−142	−51.93	−335	−320	−160	−900	−661	−188	93.79	508	605
OPM %	−91.9%	−157.0%	−16.0%	−68.0%	−41.0%	−18.0%	−63.0%	−26.0%	−5.0%	1.9%	7.0%	8.3%
Other Income	10.01	35.05	26.02	37.03	84.09	71.09	124	259	382	449	372	370
Interest	0.00	0.00	0.00	8.02	12.03	12.03	14.03	22.06	27.07	34.07	37.05	39.07
Depreciation	1.99	2.99	6.99	29.98	46.91	40.95	42.95	63.94	88.93	121	136	143
Profit before tax	−64.26	−110	−34.13	−338	−296	−142	−835	−490	77.29	389	709	797
Tax %	0.0%	0.0%	75.9%	3.0%	3.0%	6.0%	0.0%	0.0%	15.9%	8.9%	5.0%	—
Exceptional items	2.01	14.99	23.01	33.02	72.09	27.99	−1.99	0.00	0.00	38.01	0.00	0.00
Net Profit	−63.74	−110	−58.75	−346	−303	−150	−830	−487	63.78	352	668	745
EPS (Rs)	−17,665.18	−30,531.88	−16,367.61	−90,998.82	−79,860.62	−6,568.36	−18.50	−10.80	1.47	7.68	14.44	16.15
Dividend payout %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—

PB Fintech balance sheet

₹ crore, at each year end.

PB Fintech Balance sheet
	Mar 2015	Mar 2016	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	0.05	0.05	0.05	0.05	0.05	0.04	90.08	90.10	90.10	92.08	93.18
Reserves	96.82	301	789	488	1,263	1,986	5,317	5,382	5,777	6,337	7,222
Borrowings	0.00	1.01	1.01	90.23	110	110	159	228	254	323	361
Other Liabilities	29.14	43.21	92.44	173	203	231	346	554	607	779	1,040
Total Liabilities	126	346	882	751	1,575	2,329	5,912	6,253	6,729	7,530	8,717
Fixed Assets	4.01	6.01	10.99	119	147	125	205	313	359	419	442
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	19.06	238	653	125	2.01	139	374	624	1,363	2,182	3,224
Other Assets	103	102	219	507	1,426	2,065	5,334	5,316	5,006	4,929	5,050
Trade receivables	25.01	37.99	96.01	131	179	173	361	677	634	1,001	1,728
Cash & equivalents	61.27	34.14	48.19	268	1,111	1,817	3,713	766	738	796	763
Total Assets	126	346	882	751	1,575	2,329	5,912	6,253	6,729	7,530	8,717

PB Fintech cash flow

₹ crore, for each year.

PB Fintech Cash flow
	Mar 2015	Mar 2016	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−102	−96.70	−82.68	−281	−363	28.89	−1,562	−298	8.97	−182	40.85
Cash from investing activity	−14.98	−244	−433	374	78.83	−1,200	−2,122	45.92	301	490	214
Cash from financing activity	119	316	515	−23.08	1,035	762	3,635	−42.14	−57.23	−73.30	−81.24
Net cash flow	1.99	−26.98	−4.99	68.98	745	−415	−70.94	−295	253	236	174
Capex	26.98	511	13.99	34.96	31.96	5.99	32.96	66.01	62.96	96.87	79.91
Free cash flow	−121	−306	−97.17	−317	−397	24.02	−1,601	−363	−55.06	−281	−36.02
CFO / OP %	142.9%	67.9%	106.9%	72.9%	101.9%	11.9%	171.0%	37.9%	−110.1%	−70.1%	15.0%

PB Fintech ratios

Working-capital days and returns, by year.

PB Fintech Ratios
	Mar 2015	Mar 2016	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor days	119	155	104	96	84	70	91	96	66	72	92
Cash conversion cycle	120	156	105	97	85	71	92	97	67	73	93
Working capital days	57	93	29	−12	0	−12	309	321	323	122	141
ROCE %	—	−62.9%	—	−53.0%	−35.9%	−9.0%	−20.9%	−8.0%	2.0%	6.0%	10.0%

PB Fintech: frequently asked questions

What are the latest quarterly results of PB Fintech?

For the Jun 2026 quarter, PB Fintech reported sales of ₹1,883 Cr, up 40.1% year on year and net profit of ₹162 Cr, up 91.7% year on year. The operating margin was 7.0%.

What is the annual revenue of PB Fintech?

PB Fintech's sales for the year to Mar 2026 were ₹6,776 Cr; over the last twelve months they were ₹7,312 Cr.

What is the net profit of PB Fintech?

Net profit for the year to Mar 2026 was ₹668 Cr, and ₹745 Cr over the last twelve months. Earnings per share over the same trailing period were ₹16.15.

How much debt does PB Fintech have?

PB Fintech reported borrowings of ₹361 Cr at Mar 2026, against cash and equivalents of ₹763 Cr.

What is the free cash flow of PB Fintech?

Cash from operations was ₹40.85 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹36.02 Cr.

Loading…