PB Fintech Limited (POLICYBZR) — Financial Flexibility Index
PB Fintech Limited (POLICYBZR) has a Financial Flexibility Index of -0.07x as of September 2025. Free cash flow of Rs-839.70 Million (operating CF Rs-1.11 Billion minus capex Rs268.40 Million) represents 0% of total liabilities (Rs11.65 Billion). Check POLICYBZR cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
PB Fintech Limited Financial Flexibility Index (2017–2026)
Historical Financial Flexibility Index trend for PB Fintech Limited across 10 annual periods. For the full cash flow conversion analysis, see POLICYBZR cash generation efficiency.
Annual Financial Flexibility Index for PB Fintech Limited (2017–2026)
Year-by-year free cash flow to debt coverage for PB Fintech Limited. Explore PB Fintech Limited cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.27x | Rs3.68 Billion | Rs2.89 Billion | Rs13.89 Billion | ▲ +436.6% |
| 2025 | -0.08x | Rs-860.20 Million | Rs-1.83 Billion | Rs10.92 Billion | ▼ -127.9% |
| 2024 | 0.28x | Rs2.41 Billion | Rs1.77 Billion | Rs8.52 Billion | ▲ +193.1% |
| 2023 | -0.30x | Rs-2.33 Billion | Rs-2.99 Billion | Rs7.69 Billion | ▲ +90.0% |
| 2022 | -3.05x | Rs-15.35 Billion | Rs-15.68 Billion | Rs5.04 Billion | ▼ -3091.5% |
| 2021 | 0.10x | Rs345.28 Million | Rs287.06 Million | Rs3.39 Billion | ▲ +109.5% |
| 2020 | -1.07x | Rs-3.32 Billion | Rs-3.64 Billion | Rs3.10 Billion | ▼ -13.0% |
| 2019 | -0.95x | Rs-2.47 Billion | Rs-2.82 Billion | Rs2.61 Billion | ▼ -13.9% |
| 2018 | -0.83x | Rs-707.35 Million | Rs-832.16 Million | Rs851.70 Million | ▼ -23.8% |
| 2017 | -0.67x | Rs-330.80 Million | Rs-344.04 Million | Rs493.30 Million | — |