ScoreWhy is PB Fintech Ltd ?
1
Strong Long Term Fundamental Strength with a 30.60% CAGR growth in Operating Profits
2
Healthy long term growth as Net Sales has grown by an annual rate of 47.77% and Operating profit at 30.60%
3
With a growth in Net Profit of 41.42%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 16 consecutive quarters
- NET SALES(Q) Highest at Rs 2,061.33 cr
- PBDIT(Q) Highest at Rs 218.26 cr.
- OPERATING PROFIT TO NET SALES(Q) Highest at 10.59%
4
With ROE of 9.2, it has a Very Expensive valuation with a 10.4 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 2.27%, its profits have risen by 111.2% ; the PEG ratio of the company is 1
5
High Institutional Holdings at 76.68%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 6.38% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to PB Fintech. should be less than 10%
- Overall Portfolio exposure to Financial Technology (Fintech) should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Financial Technology (Fintech))
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is PB Fintech. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
PB Fintech.
2.27%
0.07
32.97%
Sensex
-3.74%
-0.28
13.48%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
113
Industry P/E
22
Price to Book Value
10.39
EV to EBIT
198.77
EV to EBITDA
145.70
EV to Capital Employed
13.35
EV to Sales
10.92
PEG Ratio
1.03
Dividend Yield
NA
ROCE (Latest)
6.72%
ROE (Latest)
9.16%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend28What is working for the Company
NET SALES(Q)
Highest at Rs 2,061.33 cr
PBDIT(Q)
Highest at Rs 218.26 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 10.59%
PBT LESS OI(Q)
Highest at Rs 167.59 cr.
PAT(Q)
Highest at Rs 261.11 cr.
EPS(Q)
Highest at Rs 5.64
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 38.36 % 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 167.59 cr has Grown at 183.1% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 59.19 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 261.11 cr has Grown at 80.5% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 144.64 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Sales - Quarterly
Highest at Rs 2,061.33 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Net Sales - Quarterly
At Rs 2,061.33 cr has Grown at 32.1% (vs previous 4Q average)
over average Net Sales of the previous four quarters of Rs 1,560.14 CrMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 218.26 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 10.59%
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 167.59 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 261.11 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 5.64
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 38.36 % 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
Non Operating Income - Quarterly
Highest at Rs 104.31 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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