ScoreWhy is PB Fintech Ltd ?
1
With ROE of 6.8, it has a Very Expensive valuation with a 10.7 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -8.76%, its profits have risen by 164.2% ; the PEG ratio of the company is 1
2
Underperformed the market in the last 1 year
- Even though the market (BSE500) has generated returns of 5.48% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -8.76% returns
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Financial Technology (Fintech))
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is PB Fintech. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
PB Fintech.
-8.76%
-0.24
37.19%
Sensex
5.37%
0.47
11.36%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
157
Industry P/E
22
Price to Book Value
10.68
EV to EBIT
512.65
EV to EBITDA
260.58
EV to Capital Employed
12.69
EV to Sales
12.35
PEG Ratio
0.98
Dividend Yield
NA
ROCE (Latest)
2.48%
ROE (Latest)
6.82%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend26What is working for the Company
NET SALES(Q)
Highest at Rs 1,771.15 cr
PBDIT(Q)
Highest at Rs 158.78 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 8.96%
PBT LESS OI(Q)
Highest at Rs 116.22 cr.
PAT(Q)
Highest at Rs 189.38 cr.
EPS(Q)
Highest at Rs 4.09
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 42.20 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for PB Fintech.
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 116.22 cr has Grown at 337.8% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 26.55 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 189.38 cr has Grown at 64.1% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 115.40 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Sales - Quarterly
Highest at Rs 1,771.15 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Net Sales - Quarterly
At Rs 1,771.15 cr has Grown at 23.0% (vs previous 4Q average)
over average Net Sales of the previous four quarters of Rs 1,440.26 CrMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 158.78 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 8.96%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 116.22 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 189.38 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 4.09
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for PB Fintech.
Non Operating Income - Quarterly
is 42.20 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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