POLICYBZR1,796.00

PB Fintech Ltd.

· Banking & Finance
₹ CrorePeersPAYTMSBICARDBANKINDIAMFSLINDIANBIDFCFIRSTBICICIGIFEDERALBNKMcap ₹83,101 Cr
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In ₹ Crore except Per Share
12 Months Ending
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Last 12M
30/06/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation88.7121.3136.0
+ Impairment Loss / (Reversal)0.015.50.0
+ Finance Costs26.533.837.1
+ Interest Income-343.2-368.6-327.2
+ Fair Value (Gains) / Losses-29.9-59.1-43.3
+ Share-based Payments330.3213.7194.2
+ Unrealised FX (Gain) / Loss0.00.00.0
+ Other Non-cash Items-7.215.43.6
+ Other — Cash Effects are Investing / Financing0.0-34.00.0
Changes in Working Capital
+ Trade Receivables — Current26.8-453.1-852.3
+ Other Financial Assets — Current-6.10.0-7.2
+ Other Financial Assets — Non-current2.5-1.00.0
+ Other Current Assets-11.30.0-33.4
+ Other Non-current Assets0.0-50.40.0
+ Trade Payables — Current-5.619.3103.0
+ Other Financial Liabilities — Current21.438.395.2
+ Other Current Liabilities15.510.015.6
+ Provisions — Current13.00.044.0
+ Provisions — Non-current7.245.70.0
Cash from Operating Activities
Profit Before Tax (per I/S)79.1387.4708.6798.8
+ Total Adjustments (incl. Working Capital)128.6-453.1-634.7
Cash from Operations (pre-tax)207.7-65.773.9
+ Other Inflows / (Outflows) — Operating0.00.02.3
+ Income Taxes Paid199.0117.434.7
Cash from Operating Activities8.7-183.141.5
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)63.497.179.9
+ Disp of Fixed Assets0.00.62.0
+ Disp of Investment Property0.20.00.0
+ Acq of Other Long-term Assets0.0783.462.5
+ Disp of Other Long-term Assets0.01.0234.2
+ Purchase of Investments (Equity / Debt)868.30.00.0
+ Acq of Subsidiaries / Businesses (net)0.09.0539.4
+ Disp of Subsidiaries / Businesses (net)0.078.00.0
+ Loans & Advances Made0.020.00.0
+ Loans & Advances Repaid0.00.020.0
+ Interest Received — Investing194.5420.3283.9
+ Other Inflows / (Outflows) — Investing1,037.7867.3355.5
Cash from Investing Activities300.8457.7213.8
Cash from Financing Activities
+ Proceeds from Issue of Shares0.21.62.7
+ Payment of Lease Liabilities31.241.083.9
+ Interest Paid26.033.20.0
+ Other Inflows / (Outflows) — Financing0.1-0.1-0.1
Cash from Financing Activities-56.8-72.7-81.2
Net Changes in Cash (pre-FX)252.6201.9174.0
+ Effect of FX Rate Changes on Cash-0.1-0.311.7
Net Changes in Cash252.5201.6185.7
Closing Cash324.9
Reference Items
EBITDA-186.393.7509.2614.1
EBITDA Margin %-5.421.887.508.37
Free Cash Flow (CFO − Capex)-54.7-280.3-38.4-38.4
Free Cash Flow to Equity-313.5-38.4
Free Cash Flow per Basic Share-1.18-6.06-0.83-0.83
Cash Flow to Net Income0.13-0.520.06
Cash Paid for Taxes199.0117.434.7
Cash Paid for Interest26.033.20.0
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 agreementXBRL cross-verified ✓ 95%.