PB Fintech cash flow

Latest FY26

Cash from operations: ₹41.5cr−₹183 cr in FY25
Capital spending: ₹79.9cr−17.7% on FY25
Free cash flow: −₹38.4cr−₹280 cr in FY25
Cash from financing: −₹81.2cr−₹72.7 cr in FY25

₹ crore except per share

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Changes in working capital
Adjustments to reconcile profit — non-cash items						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	—	136	121	88.7	63.8
	—	0.0	15.5	0.0	0.0
	—	37.1	33.8	26.5	21.4
	—	−327	−369	−343	−221
	—	−43.3	−59.1	−29.9	−35.0
	—	194	214	330	542
	—	0.0	0.0	0.0	−0.0
	—	3.6	15.4	−7.2	1.1
	—	0.0	−34.0	0.0	0.0
	—	−852	−453	26.8	−320
	—	−7.2	0.0	−6.1	−3.7
	—	0.0	−1.0	2.5	−7.5
	—	−33.4	0.0	−11.3	14.1
	—	0.0	−50.4	0.0	−1.8
	—	103	19.3	−5.6	110
	—	95.2	38.3	21.4	47.1
	—	0.0	0.0	0.0	−12.8
	—	15.6	10.0	15.5	35.8
	—	44.0	0.0	13.0	5.1
	—	0.0	45.7	7.2	0.0
Cash from operating activities
	869	709	387	79.1	−488
	—	−635	−453	129	239
	—	73.9	−65.7	208	−249
	—	2.3	0.0	0.0	0.0
	—	34.7	117	199	49.8
	—	41.5	−183	8.7	−299
Cash from investing activities
	—	79.9	97.1	63.4	59.5
	—	0.0	0.0	0.0	6.1
	—	2.0	0.6	0.0	2.0
	—	0.0	0.0	0.2	0.0
	—	62.5	783	0.0	0.0
	—	234	1.0	0.0	0.0
	—	0.0	0.0	868	0.0
	—	539	9.0	0.0	13.3
	—	0.0	78.0	0.0	0.0
	—	0.0	20.0	0.0	0.0
	—	20.0	0.0	0.0	0.0
	—	284	420	195	220
	—	355	867	1,038	−101
	—	214	458	301	41.4
Cash from financing activities
	—	2.7	1.6	0.2	0.1
	—	83.9	41.0	31.2	42.6
	—	0.0	33.2	26.0	0.0
	—	−0.1	−0.1	0.1	0.0
	—	−81.2	−72.7	−56.8	−42.5
	—	174	202	253	−300
	—	11.7	−0.3	−0.1	5.0
	—	186	202	253	−295
	—	—	—	325	72.3
Reference items
	682	509	93.7	−186	−662
	8.6%	7.5%	1.9%	−5.4%	−25.9%
	−38.4	−38.4	−280	−54.7	−365
	—	—	−313	−80.7	—
	−₹0.83	−₹0.83	−₹6.06	−₹1.18	−₹7.88
	—	0.06×	−0.52×	0.13×	0.61×
	—	34.7	117	199	49.8
	—	—	33.2	26.0	—

Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

POLICYBZR₹1,011.00

PB Fintech Ltd.

· Banking & Finance

₹ CrorePeersPAYTM SBICARD BANKINDIA MFSL INDIANB IDFCFIRSTB ICICIGI FEDERALBNKMcap ₹46,779 Cr

View

In ₹ Crore except Per Share 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation	63.8	88.7	121.3	136.0	—
+ Impairment Loss / (Reversal)	0.0	0.0	15.5	0.0	—
+ Finance Costs	21.4	26.5	33.8	37.1	—
+ Interest Income	-221.0	-343.2	-368.6	-327.2	—
+ Fair Value (Gains) / Losses	-35.0	-29.9	-59.1	-43.3	—
+ Share-based Payments	542.4	330.3	213.7	194.2	—
+ Unrealised FX (Gain) / Loss	-0.0	0.0	0.0	0.0	—
+ Other Non-cash Items	1.1	-7.2	15.4	3.6	—
+ Other — Cash Effects are Investing / Financing	0.0	0.0	-34.0	0.0	—
Changes in Working Capital
+ Trade Receivables — Current	-320.4	26.8	-453.1	-852.3	—
+ Other Financial Assets — Current	-3.7	-6.1	0.0	-7.2	—
+ Other Financial Assets — Non-current	-7.5	2.5	-1.0	0.0	—
+ Other Current Assets	14.1	-11.3	0.0	-33.4	—
+ Other Non-current Assets	-1.8	0.0	-50.4	0.0	—
+ Trade Payables — Current	110.1	-5.6	19.3	103.0	—
+ Other Financial Liabilities — Current	47.1	21.4	38.3	95.2	—
+ Other Financial Liabilities — Non-current	-12.8	0.0	0.0	0.0	—
+ Other Current Liabilities	35.8	15.5	10.0	15.6	—
+ Provisions — Current	5.1	13.0	0.0	44.0	—
+ Provisions — Non-current	0.0	7.2	45.7	0.0	—
Cash from Operating Activities
Profit Before Tax (per I/S)	-487.8	79.1	387.4	708.6	869.4
+ Total Adjustments (incl. Working Capital)	238.6	128.6	-453.1	-634.7	—
Cash from Operations (pre-tax)	-249.2	207.7	-65.7	73.9	—
+ Other Inflows / (Outflows) — Operating	0.0	0.0	0.0	2.3	—
+ Income Taxes Paid	49.8	199.0	117.4	34.7	—
Cash from Operating Activities	-299.0	8.7	-183.1	41.5	—
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)	59.5	63.4	97.1	79.9	—
+ Acq of Intangible Assets	6.1	0.0	0.0	0.0	—
+ Disp of Fixed Assets	2.0	0.0	0.6	2.0	—
+ Disp of Investment Property	0.0	0.2	0.0	0.0	—
+ Acq of Other Long-term Assets	0.0	0.0	783.4	62.5	—
+ Disp of Other Long-term Assets	0.0	0.0	1.0	234.2	—
+ Purchase of Investments (Equity / Debt)	0.0	868.3	0.0	0.0	—
+ Acq of Subsidiaries / Businesses (net)	13.3	0.0	9.0	539.4	—
+ Disp of Subsidiaries / Businesses (net)	0.0	0.0	78.0	0.0	—
+ Loans & Advances Made	0.0	0.0	20.0	0.0	—
+ Loans & Advances Repaid	0.0	0.0	0.0	20.0	—
+ Interest Received — Investing	219.7	194.5	420.3	283.9	—
+ Other Inflows / (Outflows) — Investing	-101.2	1,037.7	867.3	355.5	—
Cash from Investing Activities	41.4	300.8	457.7	213.8	—
Cash from Financing Activities
+ Proceeds from Issue of Shares	0.1	0.2	1.6	2.7	—
+ Payment of Lease Liabilities	42.6	31.2	41.0	83.9	—
+ Interest Paid	0.0	26.0	33.2	0.0	—
+ Other Inflows / (Outflows) — Financing	0.0	0.1	-0.1	-0.1	—
Cash from Financing Activities	-42.5	-56.8	-72.7	-81.2	—
Net Changes in Cash (pre-FX)	-300.1	252.6	201.9	174.0	—
+ Effect of FX Rate Changes on Cash	5.0	-0.1	-0.3	11.7	—
Net Changes in Cash	-295.1	252.5	201.6	185.7	—
Closing Cash	72.3	324.9	—	—	—
Reference Items
EBITDA	-661.6	-186.3	93.7	509.2	681.8
EBITDA Margin %	-25.87	-5.42	1.88	7.50	8.63
Free Cash Flow (CFO − Capex)	-364.7	-54.7	-280.3	-38.4	-38.4
Free Cash Flow to Equity	—	-80.7	-313.5	—	—
Free Cash Flow per Basic Share	-7.88	-1.18	-6.06	-0.83	-0.83
Cash Flow to Net Income	0.61	0.13	-0.52	0.06	—
Cash Paid for Taxes	49.8	199.0	117.4	34.7	—
Cash Paid for Interest	—	26.0	33.2	—	—

As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.

« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave

Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.