PB FINTECH LIMITED |
End-of-day quote
Other stock markets
|
5-day change | 1st Jan Change | ||
| 1,289 INR | -0.31% |
|
+8.35% | +62.25% |
| May. 16 | PB Fintech's Top Two Executives Plan to Sell 1.86% Stake | CI |
| May. 09 | Jefferies Adjusts PB Fintech’s Price Target to INR1,500 From INR1,150, Keeps at Buy | MT |
Valuation
| Fiscal Period: März | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Capitalization 1 | 296,440 | 280,936 | 583,156 | - | - |
| Enterprise Value (EV) 1 | 261,031 | 275,574 | 503,053 | 576,420 | 567,531 |
| P/E ratio | -34.1 x | -58.2 x | 775 x | 141 x | 76.1 x |
| Yield | - | - | - | 0.02% | 0.07% |
| Capitalization / Revenue | 20.8 x | 11 x | 14.6 x | 13.3 x | 10.5 x |
| EV / Revenue | 18.3 x | 10.8 x | 14.6 x | 13.1 x | 10.2 x |
| EV / EBITDA | -28.9 x | -41.7 x | -267 x | 219 x | 79.8 x |
| EV / FCF | -16.3 x | -75.6 x | 15,636 x | 212 x | 99.3 x |
| FCF Yield | -6.13% | -1.32% | 0.01% | 0.47% | 1.01% |
| Price to Book | 5.77 x | 5.19 x | 10.3 x | 9.28 x | 8.24 x |
| Nbr of stocks (in thousands) | 426,962 | 439,718 | 452,287 | - | - |
| Reference price 2 | 694.3 | 638.9 | 1,289 | 1,289 | 1,289 |
| Announcement Date | 5/27/22 | 5/22/23 | 5/7/24 | - | - |
1INR in Million2INR
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: März | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Net sales 1 | - | 14,249 | 25,578 | 34,377 | 43,926 | 55,732 |
| EBITDA 1 | - | -9,023 | -6,616 | -1,883 | 2,627 | 7,109 |
| EBIT 1 | - | -9,452 | -7,254 | -2,770 | 1,444 | 5,919 |
| Operating Margin | - | -66.33% | -28.36% | -8.06% | 3.29% | 10.62% |
| Earnings before Tax (EBT) 1 | - | -8,334 | -4,880 | 771.1 | 4,423 | 8,515 |
| Net income 1 | -1,502 | -8,329 | -4,872 | 669.8 | 4,344 | 8,091 |
| Net margin | - | -58.45% | -19.05% | 1.95% | 9.89% | 14.52% |
| EPS 2 | - | -20.34 | -10.97 | 1.450 | 9.114 | 16.94 |
| Free Cash Flow 1 | - | -16,006 | -3,647 | 37 | 2,721 | 5,718 |
| FCF margin | - | -112.33% | -14.26% | 0.11% | 6.19% | 10.26% |
| FCF Conversion (EBITDA) | - | - | - | - | 103.57% | 80.43% |
| FCF Conversion (Net income) | - | - | - | 5.9% | 62.63% | 70.67% |
| Dividend per Share 2 | - | - | - | - | 0.3167 | 0.9000 |
| Announcement Date | 6/18/21 | 5/27/22 | 5/22/23 | 5/7/24 | - | - |
1INR in Million2INR
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: März | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 2,377 | 2,796 | 3,673 | 5,403 | 5,052 | 5,735 | 6,101 | 8,691 | 6,656 | 7,395 | 8,393 | 10,575 | 8,821 |
| EBITDA 1 | -1,233 | - | -920 | - | -2,343 | -2,261 | -1,332 | -680.5 | -771 | -97.2 | -128 | 484.9 | - |
| EBIT 1 | -1,284 | -2,217 | -1,027 | -2,671 | -2,475 | -2,416 | -1,507 | -855.5 | -966.2 | -906.4 | -736.7 | -121.5 | -172 |
| Operating Margin | -54.01% | -79.29% | -27.96% | -49.43% | -48.99% | -42.14% | -24.7% | -9.84% | -14.52% | -12.26% | -8.78% | -1.15% | -1.95% |
| Earnings before Tax (EBT) 1 | - | - | - | - | - | - | -873.8 | - | -115.8 | -104 | - | 441 | - |
| Net income 1 | - | - | - | - | - | - | -873 | -89.51 | -111.5 | 0.6 | 184.6 | 626 | 709 |
| Net margin | - | - | - | - | - | - | -14.31% | -1.03% | -1.67% | 0.01% | 2.2% | 5.92% | 8.04% |
| EPS 2 | -2.910 | -5.260 | -7.000 | -4.990 | -4.620 | -4.190 | -1.960 | -0.2000 | -0.2600 | -0.1203 | 0.4719 | 1.572 | 1.600 |
| Dividend per Share 2 | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Announcement Date | 8/10/22 | 11/7/22 | 2/7/22 | 5/27/22 | 8/10/22 | 11/7/22 | 2/10/23 | 5/22/23 | 8/7/23 | - | - | - | - |
1INR in Million2INR
Estimates
Balance Sheet Analysis
| Fiscal Period: März | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Net Debt 1 | - | - | - | - | - | - |
| Net Cash position 1 | - | 35,409 | 5,361 | 4,642 | 6,737 | 15,625 |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - |
| Free Cash Flow 1 | - | -16,006 | -3,647 | 37 | 2,721 | 5,718 |
| ROE (net income / shareholders' equity) | - | -22.5% | -8.94% | 1.14% | 7.09% | 12.4% |
| ROA (Net income/ Total Assets) | - | - | -8.01% | 1% | 1.69% | 8.25% |
| Assets 1 | - | - | 60,848 | 62,670 | 256,355 | 98,071 |
| Book Value Per Share 2 | - | 120.0 | 123.0 | 125.0 | 139.0 | 157.0 |
| Cash Flow per Share 2 | - | - | -6.730 | 1.250 | 10.30 | 19.70 |
| Capex 1 | - | 327 | 657 | 1,169 | 1,319 | 1,497 |
| Capex / Sales | - | 2.3% | 2.57% | 3.47% | 3% | 2.69% |
| Announcement Date | 6/18/21 | 5/27/22 | 5/22/23 | 5/7/24 | - | - |
1INR in Million2INR
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
C+
Sell
Buy
Mean consensus
OUTPERFORM
Number of Analysts
17
Last Close Price
1,289
INR
Average target price
1,281
INR
Spread / Average Target
-0.65%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| +62.25% | 6.99B | |
| -8.38% | 160B | |
| +27.14% | 42.48B | |
| +5.61% | 41.61B | |
| +80.22% | 20.19B | |
| +40.00% | 10.55B | |
| -36.53% | 9.64B | |
| -28.64% | 8.31B | |
| -25.01% | 4.18B | |
| -20.61% | 3.8B |
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