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 PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
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. See PB Fintech Limited working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for PB Fintech Limited (2017–2026)
Year-by-year free cash flow to debt coverage for PB Fintech Limited. For the full company profile including market capitalisation, see PB Fintech Limited (POLICYBZR) market capitalisation.
| 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 | — |