PB Fintech Limited
PB Fintech Limited operates an online marketplace for insurance and lending products in India and the United Arab Emirates. It operates through two segments, Insurance Services and Other Services. The company offers Policybazaar that enables consumers to compare, evaluate, and apply for insurance products, such as term, life, health, car, 2 wheeler, family health, travel, and home insurance produ… Read more
PB Fintech Limited (POLICYBZR) - Net Assets
Latest net assets as of September 2025: ₹67.75 Billion INR
Based on the latest financial reports, PB Fintech Limited (POLICYBZR) has net assets worth ₹67.75 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹79.39 Billion) and total liabilities (₹11.65 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹67.75 Billion |
| % of Total Assets | 85.33% |
| Annual Growth Rate | 45.2% |
| 5-Year Change | 223.23% |
| 10-Year Change | N/A |
| Growth Volatility | 77.04 |
PB Fintech Limited - Net Assets Trend (2017–2025)
This chart illustrates how PB Fintech Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for PB Fintech Limited (2017–2025)
The table below shows the annual net assets of PB Fintech Limited from 2017 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹64.38 Billion | +9.55% |
| 2024-03-31 | ₹58.76 Billion | +7.14% |
| 2023-03-31 | ₹54.85 Billion | +1.35% |
| 2022-03-31 | ₹54.12 Billion | +171.71% |
| 2021-03-31 | ₹19.92 Billion | +57.34% |
| 2020-03-31 | ₹12.66 Billion | +158.18% |
| 2019-03-31 | ₹4.90 Billion | -38.29% |
| 2018-03-31 | ₹7.95 Billion | +143.86% |
| 2017-03-31 | ₹3.26 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to PB Fintech Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 1767883100000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | ₹918.50 Million | 1.43% |
| Other Comprehensive Income | ₹5.24 Billion | 8.14% |
| Other Components | ₹78.10 Billion | 121.42% |
| Total Equity | ₹64.32 Billion | 100.00% |
PB Fintech Limited Competitors by Market Cap
The table below lists competitors of PB Fintech Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Samvardhana Motherson International Limited
NSE:MOTHERSON
|
$5.93 Billion |
|
ASX Ltd
AU:ASX
|
$5.93 Billion |
|
LPP S.A.
WAR:LPP
|
$5.93 Billion |
|
Konami Holdings Corporation
PINK:KONMY
|
$5.93 Billion |
|
ZURN ELKAY WATER DL-01
F:4RX0
|
$5.92 Billion |
|
Isuzu Motors Ltd
PINK:ISUZY
|
$5.92 Billion |
|
H & M Hennes & Mauritz AB (publ)
PINK:HMRZF
|
$5.91 Billion |
|
StandardAero, Inc.
NYSE:SARO
|
$5.91 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in PB Fintech Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 58,710,300,000 to 64,322,800,000, a change of 5,612,500,000 (9.6%).
- Net income of 3,530,100,000 contributed positively to equity growth.
- New share issuances of 16,100,000 increased equity.
- Other comprehensive income decreased equity by 4,893,000,000.
- Other factors increased equity by 6,959,300,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹3.53 Billion | +5.49% |
| Share Issuances | ₹16.10 Million | +0.03% |
| Other Comprehensive Income | ₹-4.89 Billion | -7.61% |
| Other Changes | ₹6.96 Billion | +10.82% |
| Total Change | ₹- | 9.56% |
Book Value vs Market Value Analysis
This analysis compares PB Fintech Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 10.75x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 24.47x to 10.75x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-03-31 | ₹61.23 | ₹1498.20 | x |
| 2018-03-31 | ₹437.13 | ₹1498.20 | x |
| 2019-03-31 | ₹10.91 | ₹1498.20 | x |
| 2020-03-31 | ₹36.13 | ₹1498.20 | x |
| 2021-03-31 | ₹54.52 | ₹1498.20 | x |
| 2022-03-31 | ₹132.15 | ₹1498.20 | x |
| 2023-03-31 | ₹123.08 | ₹1498.20 | x |
| 2024-03-31 | ₹127.12 | ₹1498.20 | x |
| 2025-03-31 | ₹139.39 | ₹1498.20 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently PB Fintech Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 5.49%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 7.09%
- • Asset Turnover: 0.66x
- • Equity Multiplier: 1.17x
- Recent ROE (5.49%) is above the historical average (-13.91%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 2.27% | 3.98% | 0.49x | 1.17x | ₹-248.55 Million |
| 2018 | -7.51% | -17.72% | 0.38x | 1.12x | ₹-1.38 Billion |
| 2019 | -70.74% | -70.45% | 0.66x | 1.53x | ₹-3.96 Billion |
| 2020 | -24.02% | -39.42% | 0.49x | 1.25x | ₹-4.31 Billion |
| 2021 | -7.54% | -16.94% | 0.38x | 1.17x | ₹-3.49 Billion |
| 2022 | -15.39% | -58.45% | 0.24x | 1.09x | ₹-13.74 Billion |
| 2023 | -8.90% | -19.05% | 0.41x | 1.14x | ₹-10.35 Billion |
| 2024 | 1.14% | 1.95% | 0.51x | 1.15x | ₹-5.20 Billion |
| 2025 | 5.49% | 7.09% | 0.66x | 1.17x | ₹-2.90 Billion |
Industry Comparison
This section compares PB Fintech Limited's net assets metrics with peer companies in the Insurance Brokers industry.
No peer company data available for comparison.