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STOCKS

PB Fintech Limited (IN:POLICYBZR)

:POLICYBZR

POLICYBZR

PB Fintech Limited

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PB Fintech Limited (POLICYBZR) Ratios

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PB Fintech Limited Ratios

IN:POLICYBZR's free cash flow for Q4 2025 was ₹0.66. For the 2025 fiscal year, IN:POLICYBZR's free cash flow was decreased by ₹ and operating cash flow was ₹0.05. See a summary of the company’s cash flow.

Ratios	TTM	Mar 25	Mar 24	Mar 23	Mar 22
Liquidity Ratios
Current Ratio	5.13	8.00	8.00	7.48	9.68
Quick Ratio	5.13	8.00	8.00	7.48	9.68
Cash Ratio	1.06	0.54	0.54	0.13	1.99
Solvency Ratio	0.43	0.18	0.18	-0.55	-0.32
Operating Cash Flow Ratio	0.00	0.29	0.29	-0.54	0.13
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	₹ 27.62B	₹ 39.70B	₹ 39.70B	₹ 33.53B	₹ 18.01B
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.04	0.04	0.04	0.05
Debt-to-Equity Ratio	0.05	0.04	0.04	0.04	0.05
Debt-to-Capital Ratio	0.05	0.04	0.04	0.04	0.05
Long-Term Debt-to-Capital Ratio	0.00	0.00	0.00	0.00	0.00
Financial Leverage Ratio	1.17	1.15	1.15	1.14	1.17
Debt Service Coverage Ratio	4.20	6.81	6.81	-18.83	-8.43
Interest Coverage Ratio	6.19	-10.28	-10.28	-33.96	-17.16
Debt to Market Cap	0.00	0.00	0.00	0.00	0.00
Interest Debt Per Share	9.19	6.27	6.27	5.57	3.29
Net Debt to EBITDA	-0.99	-0.37	-0.37	-0.38	3.71
Profitability Margins
Gross Profit Margin	54.58%	43.15%	43.15%	39.81%	37.51%
EBIT Margin	7.87%	3.01%	3.01%	-18.23%	-14.69%
EBITDA Margin	9.55%	5.66%	5.66%	-15.73%	-10.02%
Operating Profit Margin	13.05%	-7.99%	-7.99%	-28.36%	-22.30%
Pretax Profit Margin	7.79%	2.24%	2.24%	-19.08%	-16.01%
Net Profit Margin	7.09%	1.95%	1.95%	-19.08%	-16.94%
Continuous Operations Profit Margin	7.10%	1.87%	1.87%	-19.08%	-16.94%
Net Income Per EBT	91.10%	86.86%	86.86%	100.00%	105.87%
EBT Per EBIT	59.65%	-28.08%	-28.08%	67.27%	71.76%
Return on Assets (ROA)	4.69%	1.00%	1.00%	-7.80%	-6.45%
Return on Equity (ROE)	5.76%	1.14%	1.14%	-8.91%	-7.54%
Return on Capital Employed (ROCE)	9.58%	-4.48%	-4.48%	-12.72%	-9.37%
Return on Invested Capital (ROIC)	8.67%	-3.72%	-3.72%	-12.65%	-9.86%
Return on Tangible Assets	4.69%	1.00%	1.00%	-7.86%	-6.46%
Earnings Yield	0.41%	0.13%	0.13%	-1.72%	-0.34%
Efficiency Ratios
Receivables Turnover	4.98	5.28	5.28	3.78	4.87
Payables Turnover	6.16	6.49	6.49	5.03	5.44
Inventory Turnover	0.00	0.00	0.00	15.40B	5.54B
Fixed Asset Turnover	12.11	10.90	10.90	9.48	7.32
Asset Turnover	0.66	0.51	0.51	0.41	0.38
Working Capital Turnover Ratio	3.21	0.88	0.88	0.58	0.59
Cash Conversion Cycle	14.06	12.84	12.84	24.08	7.84
Days of Sales Outstanding	73.31	69.07	69.07	96.65	74.97
Days of Inventory Outstanding	0.00	0.00	0.00	<0.01	<0.01
Days of Payables Outstanding	59.25	56.23	56.23	72.57	67.14
Operating Cycle	73.31	69.07	69.07	96.65	74.97
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	3.97	3.97	-6.72	0.79
Free Cash Flow Per Share	0.00	2.55	2.55	-8.20	0.63
CapEx Per Share	0.00	1.42	1.42	1.48	0.16
Free Cash Flow to Operating Cash Flow	0.00	0.64	0.64	1.22	0.80
Dividend Paid and CapEx Coverage Ratio	0.00	2.80	2.80	-4.55	4.93
Capital Expenditure Coverage Ratio	0.00	2.80	2.80	-4.55	4.93
Operating Cash Flow Coverage Ratio	0.00	0.70	0.70	-1.32	0.26
Operating Cash Flow to Sales Ratio	0.00	0.05	0.05	-0.12	0.03
Free Cash Flow Yield	0.00%	0.22%	0.22%	-1.28%	0.05%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	245.01	781.47	781.47	-58.26	-292.35
Price-to-Sales (P/S) Ratio	17.17	15.23	15.23	11.11	49.54
Price-to-Book (P/B) Ratio	13.45	8.92	8.92	5.19	22.05
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	459.75	459.75	-77.94	1.92K
Price-to-Operating Cash Flow Ratio	0.00	295.39	295.39	-95.07	1.53K
Price-to-Earnings Growth (PEG) Ratio	5.54	-6.87	-6.87	1.26	5.55
Price-to-Fair Value	13.45	8.92	8.92	5.19	22.05
Enterprise Value Multiple	178.79	268.65	268.65	-71.03	-490.51
Enterprise Value	849.69B	522.71B	522.71B	285.80B	435.94B
EV to EBITDA	178.79	268.65	268.65	-71.03	-490.51
EV to Sales	17.07	15.21	15.21	11.17	49.17
EV to Free Cash Flow	0.00	459.12	459.12	-78.37	1.90K
EV to Operating Cash Flow	0.00	294.98	294.98	-95.58	1.52K
Tangible Book Value Per Share	138.33	130.63	130.63	122.30	54.42
Shareholders’ Equity Per Share	138.36	131.48	131.48	123.08	54.52
Tax and Other Ratios
Effective Tax Rate	0.09	0.16	0.16	<0.01	-0.06
Revenue Per Share	107.06	76.99	76.99	57.49	24.27
Net Income Per Share	7.59	1.50	1.50	-10.97	-4.11
Tax Burden	0.91	0.87	0.87	1.00	1.06
Interest Burden	0.99	0.74	0.74	1.05	1.09
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.01	0.02	0.02	0.04	0.01
Stock-Based Compensation to Revenue	0.03	0.10	0.10	0.21	0.11
Income Quality	0.00	2.65	2.65	0.61	-0.20

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