Company Valuation: PB Fintech Limited

Data adjusted to current consolidation scope
Fiscal Period: March 2022 2023 2024 2025 2026 2027 2028
Market Cap 1 296,440 280,936 503,053 725,905 728,282 - -
Change - -5.23% 79.06% 44.3% 0.33% - -
Enterprise Value (EV) 1 261,031 275,574 498,236 721,196 656,636 712,957 704,967
Change - 5.57% 80.8% 44.75% -8.95% -0.97% -1.12%
P/E -34.1x -58.2x 775x 208x 98.7x 66.5x 47.6x
PBR 5.77x 5.19x 8.63x 11.3x 9.03x 8.74x 7.4x
PEG - 1.3x -7x 0x 1.1x 1x 1.2x
Capitalization / Revenue 20.8x 11x 14.6x 14.6x 9.72x 8.28x 6.48x
EV / Revenue 18.3x 10.8x 14.5x 14.5x 9.66x 8.1x 6.27x
EV / EBITDA -28.9x -41.7x -265x 770x 129x 64.7x 39x
EV / EBIT -27.6x -38x -180x -2,614x 176x 79.1x 43.9x
EV / FCF -16.3x -75.6x -911x -257x -1,710x 84.4x 67.7x
FCF Yield -6.13% -1.32% -0.11% -0.39% -0.06% 1.18% 1.48%
Dividend per Share 2 - - - - 1.5 2.291 15.3
Rate of return - - - - 0.1% 0.15% 0.97%
EPS 2 -20.34 -10.97 1.45 7.65 14.46 23.67 33.07
Distribution rate - - - - 10.6% 9.68% 46.3%
Net sales 1 14,249 25,578 34,377 49,772 67,940 87,970 112,432
EBITDA 1 -9,023 -6,616 -1,883 936.8 5,092 11,015 18,060
EBIT 1 -9,452 -7,254 -2,770 -275.9 3,733 9,019 16,063
Net income 1 -8,329 -4,872 669.8 3,530 6,699 10,976 15,452
Net Debt 1 -35,409 -5,361 -4,816 -4,709 -3,997 -15,325 -23,315
Reference price 2 694.30 638.90 1,124.25 1,589.75 1,574.00 1,574.00 1,574.00
Nbr of stocks (in thousands) 426,962 439,718 447,456 456,616 462,695 - -
Announcement Date 27/05/22 22/05/23 07/05/24 15/05/25 06/05/26 - -
1INR in Million2INR
Estimates

P/E, Detailed evolution

P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
111.28x10.72x130.26x0.1% 7.56B
52.24x16.4x31.8x-.--% 90.01B
18.3x3.68x8.69x1.64% 79.62B
22.04x6x11.5x-.--% 30.09B
61.38x5.59x19.48x-.--% 25.48B
38.92x20.53x33.17x2.15% 23.94B
6.27x2.89x6.71x4.35% 21.66B
7.39x - - 8.21% 16.71B
72.75x4.13x19.89x-.--% 15.03B
61.85x28.18x47.25x - 13.57B
Average 45.24x 10.90x 34.31x 1.83% 32.37B
Weighted average by Cap. 38.16x 10.33x 23.66x 1.34%

Y-o-Y evolution of P/E

Historical PBR trend

Evolution Enterprise Value / Sales

Change in Enterprise Value/EBITDA

Year-on-year evolution of the Yield

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