PB FINTECH LIMITED |
End-of-day quote
Other stock markets
|
5-day change | 1st Jan Change | ||
| 1,265 INR | +2.12% |
|
+5.26% | +59.18% |
| 04-10 | PB Fintech Forms New Payment Aggregator Arm | MT |
| 04-09 | PB Fintech Limited Announces Incorporation of Subsidiary | CI |
Valuation
| Fiscal Period: March | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Capitalization 1 | 296,440 | 280,936 | 578,158 | - | - |
| Enterprise Value (EV) 1 | 261,031 | 275,574 | 573,516 | 571,012 | 567,203 |
| P/E ratio | -34.1 x | -58.2 x | 920 x | 141 x | 72.8 x |
| Yield | - | - | - | 0.03% | 0.07% |
| Capitalization / Revenue | 20.8 x | 11 x | 17.2 x | 13.6 x | 10.8 x |
| EV / Revenue | 18.3 x | 10.8 x | 17 x | 13.5 x | 10.5 x |
| EV / EBITDA | -28.9 x | -41.7 x | -328 x | 284 x | 87.3 x |
| EV / FCF | -16.3 x | -75.6 x | 15,500 x | 215 x | 147 x |
| FCF Yield | -6.13% | -1.32% | 0.01% | 0.46% | 0.68% |
| Price to Book | 5.77 x | 5.19 x | 10.1 x | 9.34 x | 8.32 x |
| Nbr of stocks (in thousands) | 426,962 | 439,718 | 447,456 | - | - |
| Reference price 2 | 694.3 | 638.9 | 1,265 | 1,265 | 1,265 |
| Announcement Date | 22-05-27 | 23-05-22 | - | - | - |
1INR in Million2INR
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: March | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Net sales 1 | - | 14,249 | 25,578 | 33,647 | 42,446 | 53,764 |
| EBITDA 1 | - | -9,023 | -6,616 | -1,746 | 2,008 | 6,498 |
| EBIT 1 | - | -9,452 | -7,254 | -2,808 | 1,710 | 6,353 |
| Operating Margin | - | -66.33% | -28.36% | -8.35% | 4.03% | 11.82% |
| Earnings before Tax (EBT) 1 | - | -8,334 | -4,880 | 688.9 | 4,454 | 9,094 |
| Net income 1 | -1,502 | -8,329 | -4,872 | 626.7 | 4,157 | 8,177 |
| Net margin | - | -58.45% | -19.05% | 1.86% | 9.79% | 15.21% |
| EPS 2 | - | -20.34 | -10.97 | 1.375 | 8.949 | 17.36 |
| Free Cash Flow 1 | - | -16,006 | -3,647 | 37 | 2,653 | 3,866 |
| FCF margin | - | -112.33% | -14.26% | 0.11% | 6.25% | 7.19% |
| FCF Conversion (EBITDA) | - | - | - | - | 132.12% | 59.49% |
| FCF Conversion (Net income) | - | - | - | 5.9% | 63.83% | 47.28% |
| Dividend per Share 2 | - | - | - | - | 0.3600 | 0.8750 |
| Announcement Date | 21-06-18 | 22-05-27 | 23-05-22 | - | - | - |
1INR in Million2INR
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: March | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 2,377 | 2,796 | 3,673 | 5,403 | 5,052 | 5,735 | 6,101 | 8,691 | 6,656 | 7,395 | 8,393 | 10,522 | - |
| EBITDA 1 | -1,233 | - | -920 | - | -2,343 | -2,261 | -1,332 | -680.5 | -771 | -97.2 | -128 | 410.1 | - |
| EBIT 1 | -1,284 | -2,217 | -1,027 | -2,671 | -2,475 | -2,416 | -1,507 | -855.5 | -966.2 | -906.4 | -736.7 | -121.5 | - |
| Operating Margin | -54.01% | -79.29% | -27.96% | -49.43% | -48.99% | -42.14% | -24.7% | -9.84% | -14.52% | -12.26% | -8.78% | -1.15% | - |
| Earnings before Tax (EBT) 1 | - | - | - | - | - | - | -873.8 | - | -115.8 | -104 | - | 441 | - |
| Net income 1 | - | - | - | - | - | - | -873 | -89.51 | -111.5 | 0.6 | 184.6 | 508.5 | - |
| Net margin | - | - | - | - | - | - | -14.31% | -1.03% | -1.67% | 0.01% | 2.2% | 4.83% | - |
| EPS 2 | -2.910 | -5.260 | -7.000 | -4.990 | -4.620 | -4.190 | -1.960 | -0.2000 | -0.2600 | -0.1203 | 0.4719 | 1.158 | - |
| Dividend per Share 2 | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Announcement Date | 22-08-10 | 22-11-07 | 22-02-07 | 22-05-27 | 22-08-10 | 22-11-07 | 23-02-10 | 23-05-22 | 23-08-07 | - | - | - | - |
1INR in Million2INR
Estimates
Balance Sheet Analysis
| Fiscal Period: March | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Net Debt 1 | - | - | - | - | - | - |
| Net Cash position 1 | - | 35,409 | 5,361 | 4,642 | 7,146 | 10,956 |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - |
| Free Cash Flow 1 | - | -16,006 | -3,647 | 37 | 2,653 | 3,866 |
| ROE (net income / shareholders' equity) | - | -22.5% | -8.94% | 1.14% | 6.88% | 12.6% |
| ROA (Net income/ Total Assets) | - | - | -8.01% | 1% | 1.7% | 8.2% |
| Assets 1 | - | - | 60,848 | 62,670 | 244,531 | 99,715 |
| Book Value Per Share 2 | - | 120.0 | 123.0 | 125.0 | 135.0 | 152.0 |
| Cash Flow per Share 2 | - | - | -6.730 | 1.250 | 9.090 | 16.50 |
| Capex 1 | - | 327 | 657 | 1,169 | 1,233 | 1,525 |
| Capex / Sales | - | 2.3% | 2.57% | 3.47% | 2.91% | 2.84% |
| Announcement Date | 21-06-18 | 22-05-27 | 23-05-22 | - | - | - |
1INR in Million2INR
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
C+
Sell
Buy
Mean consensus
OUTPERFORM
Number of Analysts
17
Last Close Price
1,265
INR
Average target price
1,004
INR
Spread / Average Target
-20.61%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| +59.18% | 6.78B | |
| -1.83% | 172B | |
| +14.45% | 37.73B | |
| -3.24% | 37.46B | |
| +33.67% | 14.63B | |
| -31.42% | 9.86B | |
| -22.92% | 8.98B | |
| +30.11% | 8.84B | |
| -11.98% | 4.86B | |
| +14.44% | 3.62B |
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