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PB Fintech
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The Company was incorporated as 'Etechaces Marketing and Consulting Private Limited' on 04 June 2008. Subsequently, name of the Company changed to PB Fintech Private Limited on 18 September 2020. Upon the conversion of Company to a Public Limited Company pursuant to a Special Resolution passed by the Shareholders on 19th June 2021, name of the Company again was changed to PB Fintech Limited on 30 June, 2021.
The Company is engaged in providing integrated online marketing and IT consulting and support services largely for the financial services industry including insurance. It operates Policybazaar, the India's largest digital insurance marketplace and Paisabazaar that provides services related to lending products.
In 2014, the Company launched Paisabazaar with the goal to transform how Indians access personal credit by accentuating ease, convenience and transparency in selecting a variety of personal loans and credit cards. In 2018, it started operations in United Arab Emirates (UAE) through one of the wholly owned subsidiaries, PB Fintech FZ-LLC, which operates an online financial marketplace in UAE.
During financial year ended March 31, 2022, Equity Shares of the Company got listed on BSE Limited (BSE) and National Stock Exchange of India Limited (NSE) effective from November 15, 2021.
The Board of Directors of the Company in its meeting held on April 26, 2022 had approved the draft Scheme of Amalgamation between the Company and Makesense Technologies Limited, which provides for the amalgamation of the Transferor Company with Transferee Company.
During the year 2022-23, PB Fintech FZ LLC, a Wholly owned subsidiary of the Company in Dubai acquired and holds 26.72% shares of YKNP Marketing Management -LLC. YKNP Marketing Management converted to an LLC- Single Owner effective on 14th July, 2022. Zphin Computer Systems and Software Designing-LLC became a wholly owned subsidiary of PB Fintech FZLLC.
In 2023, the Company launched policybazaar.ae and expanded its operations to UAE. It launched PB for Business Insurance for Corporates and SMEs.
PB Fintech share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.
Market capitalization of PB Fintech indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how PB Fintech is valued compared to its competitors.
PB Fintech PE ratio helps investors understand what is the market value of each stock compared to PB Fintech 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.
The PEG ratio of PB Fintech evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.
Return on Equity (ROE) measures how effectively PB Fintech generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.
Return on Capital Employed (ROCE) evaluates the profitability of PB Fintech in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.
Total debt of PB Fintech shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.
The Debt-to-Equity (DE) ratio of PB Fintech compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.
CAGR shows the consistent growth rate of PB Fintech over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.
Technical analysis of PB Fintech helps investors get an insight into when they can enter or exit the stock. Key components of PB Fintech Technical Analysis include:
There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.
There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where PB Fintech shares often struggle to rise above due to selling pressure.
Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect PB Fintech ’s financial health and profitability.
Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.
Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.
The financials of PB Fintech provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.
The profit and loss statement of PB Fintech highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of PB Fintech .
The balance sheet presents a snapshot of PB Fintech ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.
Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.
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