Projected Income Statement: PB Fintech Limited

Forecast Balance Sheet: PB Fintech Limited

Fiscal Period: March 2021 2022 2023 2024 2025 2026 2027 2028
Net Debt 1 - -35,409 -5,361 -4,816 -4,709 -3,997 -15,325 -23,315
Change - - 84.86% 10.17% 2.22% 15.12% -84.51% -52.14%
Announcement Date 18/06/21 27/05/22 22/05/23 07/05/24 15/05/25 06/05/26 - -
1INR in Million
Estimates

Cash Flow Forecast: PB Fintech Limited

Fiscal Period: March 2022 2023 2024 2025 2026 2027 2028
CAPEX 1 327.3 657 633.5 971.2 799 1,967 2,616
Change - 100.73% -3.57% 53.31% -17.73% -1.27% 32.97%
Free Cash Flow (FCF) 1 -16,006 -3,647 -547 -2,803 -384.1 9,015 10,589
Change - 77.21% 85% -412.36% 86.29% 189.63% 17.46%
Announcement Date 27/05/22 22/05/23 07/05/24 15/05/25 06/05/26 - -
1INR in Million
Estimates

Forecast Financial Ratios: PB Fintech Limited

Fiscal Period: March 2021 2022 2023 2024 2025 2026 2027 2028

Profitability

        
EBITDA Margin (%) - -63.33% -25.87% -5.48% 1.88% 7.5% 12.57% 16.04%
EBIT Margin (%) - -66.33% -28.36% -8.06% -0.55% 5.49% 10.31% 14.4%
EBT Margin (%) - -58.49% -19.08% 2.24% 7.79% 10.41% 14.01% 16.9%
Net margin (%) - -58.45% -19.05% 1.95% 7.09% 9.86% 12.53% 13.83%
FCF margin (%) - -112.33% -14.26% -1.59% -5.63% -0.57% 10.24% 9.41%
FCF / Net Income (%) - 192.17% 74.85% -81.67% -79.39% -5.73% 81.71% 68.03%

Profitability

        
ROA - - -8.01% 1.03% 4.95% 8.25% 10.74% 13.35%
ROE - -22.5% -8.94% 1.18% 5.73% 9.16% 14.04% 17.11%

Financial Health

        
Leverage (Debt/EBITDA) - - - - - - - -
Debt / Free cash flow - - - - - - - -

Capital Intensity

        
CAPEX / Current Assets (%) - 2.3% 2.57% 1.84% 1.95% 1.18% 2.23% 2.33%
CAPEX / EBITDA (%) - -3.63% -9.93% -33.65% 103.67% 15.69% 17.78% 14.5%
CAPEX / FCF (%) - -2.04% -18.01% -115.81% -34.65% -208.02% 21.82% 24.71%

Items per share

        
Cash flow per share 1 - - -6.732 0.1414 -3.988 0.8967 27.3 33.88
Change - - - 102.1% -2,920.23% 122.49% 163.44% 24.11%
Dividend per Share 1 - - - - - 1.5 5.727 15.3
Change - - - - - - 281.81% 167.07%
Book Value Per Share 1 - 120.4 123.1 130.2 140.2 158.1 179.6 211.5
Change - - 2.24% 5.81% 7.63% 12.82% 16.36% 17.79%
EPS 1 - -20.34 -10.97 1.45 7.65 14.46 23.66 33.2
Change - - 46.07% 113.22% 427.59% 89.02% 67.28% 40.34%
Nbr of stocks (in thousands) - 426,962 439,718 447,456 456,616 462,693 462,693 462,693
Announcement Date - 27/05/22 22/05/23 07/05/24 15/05/25 06/05/26 - -
1INR
Estimates
2026 2027 *
P/E Ratio 98.7x 63.6x
PBR 9.03x 8.38x
EV / Sales 9.66x 7.73x
Yield 0.1% 0.38%

EPS & Dividend

Y-o-Y evolution of P/E

Year-on-year evolution of the Yield

Trader
Investor
Global
Quality
ESG MSCI
BBB
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
24
Last Close Price
1,504.20INR
Average target price
1,955.83INR
Spread / Average Target
+30.02%

Quarterly revenue - Rate of surprise

  1. Stock Market
  2. Stocks
  3. POLICYBZR Stock
  4. Financials PB Fintech Limited
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