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PB Fintech Limited (IN:POLICYBZR)
:POLICYBZR
India Market
POLICYBZR
PB Fintech Limited
RESEARCH TOOLSreports

PB Fintech Limited (POLICYBZR) Ratios

5 Followers

PB Fintech Limited Ratios

IN:POLICYBZR's free cash flow for Q2 2026 was ₹0.58. For the 2026 fiscal year, IN:POLICYBZR's free cash flow was decreased by ₹ and operating cash flow was ₹0.09. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
 4.11 5.13 8.00 7.48 16.51
Quick Ratio
 4.11 5.13 8.00 7.48 16.51
Cash Ratio
 0.30 1.06 0.54 0.13 1.09
Solvency Ratio
 0.61 0.43 0.18 -0.55 -1.57
Operating Cash Flow Ratio
 -0.14 -0.24 0.29 -0.54 -4.65
Short-Term Operating Cash Flow Coverage
 -2.24 -3.93 4.51 -9.11 -87.76
Net Current Asset Value
₹ 21.94B₹ 27.62B₹ 39.70B₹ 33.53B₹ 50.68B
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.04 0.04 0.04 0.03
Debt-to-Equity Ratio
 0.09 0.05 0.04 0.04 0.03
Debt-to-Capital Ratio
 0.08 0.05 0.04 0.04 0.03
Long-Term Debt-to-Capital Ratio
 0.04 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 1.17 1.17 1.15 1.14 1.09
Debt Service Coverage Ratio
 8.68 6.32 2.73 -7.40 -24.70
Interest Coverage Ratio
 7.73 -0.45 -10.38 -33.57 -69.66
Debt to Market Cap
 <0.01 <0.01 <0.01 <0.01 <0.01
Interest Debt Per Share
 14.00 7.72 6.27 5.58 4.22
Net Debt to EBITDA
 0.47 -0.87 -0.37 -0.38 0.27
Profitability Margins
Gross Profit Margin
45.05%40.75%43.15%61.39%11.89%
EBIT Margin
10.26%8.47%3.01%-18.24%-57.54%
EBITDA Margin
12.41%10.90%5.59%-15.75%-54.53%
Operating Profit Margin
4.52%-0.30%-7.99%-28.35%-66.33%
Pretax Profit Margin
9.73%7.79%2.24%-19.08%-58.49%
Net Profit Margin
9.29%7.09%1.95%-19.05%-58.45%
Continuous Operations Profit Margin
9.29%7.10%1.87%-19.08%-58.45%
Net Income Per EBT
95.47%91.07%86.86%99.85%99.94%
EBT Per EBIT
215.11%-2568.72%-28.08%67.29%88.17%
Return on Assets (ROA)
7.30%4.69%1.00%-7.79%-14.08%
Return on Equity (ROE)
9.00%5.49%1.14%-8.90%-15.39%
Return on Capital Employed (ROCE)
3.96%-0.22%-4.48%-12.71%-16.94%
Return on Invested Capital (ROIC)
3.76%-0.20%-3.70%-12.57%-16.83%
Return on Tangible Assets
7.31%4.69%1.00%-7.85%-14.14%
Earnings Yield
0.83%0.51%0.13%-1.71%-2.93%
Efficiency Ratios
Receivables Turnover
 5.33 4.86 5.28 3.69 3.94
Payables Turnover
 9.21 8.04 6.49 3.23 6.33
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 15.40 12.11 10.90 9.48 7.91
Asset Turnover
 0.79 0.66 0.51 0.41 0.24
Working Capital Turnover Ratio
 4.91 1.36 0.88 0.58 0.40
Cash Conversion Cycle
 28.88 29.63 12.84 -14.34 34.94
Days of Sales Outstanding
 68.51 75.04 69.07 98.80 92.56
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 39.63 45.41 56.23 113.14 57.62
Operating Cycle
 68.51 75.04 69.07 98.80 92.56
Cash Flow Ratios
Operating Cash Flow Per Share
 -2.40 -3.97 3.97 -6.72 -38.29
Free Cash Flow Per Share
 -2.99 -6.07 2.55 -8.20 -39.09
CapEx Per Share
 0.58 2.10 1.42 1.48 0.80
Free Cash Flow to Operating Cash Flow
 1.24 1.53 0.64 1.22 1.02
Dividend Paid and CapEx Coverage Ratio
 -4.13 -1.89 2.80 -4.55 -47.88
Capital Expenditure Coverage Ratio
 -4.13 -1.89 2.80 -4.55 -47.88
Operating Cash Flow Coverage Ratio
 -0.18 -0.57 0.70 -1.32 -9.84
Operating Cash Flow to Sales Ratio
 -0.02 -0.04 0.05 -0.12 -1.10
Free Cash Flow Yield
-0.20%-0.40%0.22%-1.28%-5.63%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 120.06 197.99 781.47 -58.34 -34.14
Price-to-Sales (P/S) Ratio
 11.19 14.04 15.23 11.11 19.95
Price-to-Book (P/B) Ratio
 10.28 10.87 8.92 5.19 5.25
Price-to-Free Cash Flow (P/FCF) Ratio
 -507.50 -249.38 459.75 -77.94 -17.76
Price-to-Operating Cash Flow Ratio
 -627.82 -381.63 295.39 -95.07 -18.13
Price-to-Earnings Growth (PEG) Ratio
 4.77 0.47 -6.87 1.27 -0.09
Price-to-Fair Value
 10.28 10.87 8.92 5.19 5.25
Enterprise Value Multiple
 90.67 127.91 271.83 -70.96 -36.33
Enterprise Value
 702.23B 694.20B 522.71B 285.80B 282.25B
EV to EBITDA
 90.67 127.91 271.83 -70.96 -36.33
EV to Sales
 11.25 13.95 15.21 11.17 19.81
EV to Free Cash Flow
 -510.15 -247.70 459.12 -78.37 -17.63
EV to Operating Cash Flow
 -633.72 -379.06 294.98 -95.58 -18.00
Tangible Book Value Per Share
 146.85 139.37 130.63 122.30 131.54
Shareholders’ Equity Per Share
 146.90 139.39 131.48 123.08 132.15
Tax and Other Ratios
Effective Tax Rate
 0.04 0.09 0.16 <0.01 <0.01
Revenue Per Share
 135.44 107.86 76.99 57.49 34.79
Net Income Per Share
 12.58 7.65 1.50 -10.95 -20.34
Tax Burden
 0.95 0.91 0.87 1.00 1.00
Interest Burden
 0.95 0.92 0.74 1.05 1.02
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.39 0.24 0.02 0.02 0.05
Stock-Based Compensation to Revenue
 0.03 0.04 0.10 0.21 0.43
Income Quality
 -0.20 -0.52 2.65 0.61 1.88
Currency in INR