100  Total SME IPOs listed in 2025

4,441.26 Crs.  Total funds raised in 2025

69  SME IPOs listed with Gain in 2025

31  SME IPOs listed with loss in 2025

100  Total SME IPOs listed in 2025

4,441.26 Crs.  Total funds raised in 2025

69  SME IPOs listed with Gain in 2025

31  SME IPOs listed with loss in 2025

100  Total SME IPOs listed in 2025

4,441.26 Crs.  Total funds raised in 2025

69  SME IPOs listed with Gain in 2025

31  SME IPOs listed with loss in 2025

100  Total SME IPOs listed in 2025

4441.26 Crs.  Total funds raised in 2,025.00

69  SME IPOs listed with Gain in 2025

31  SME IPOs listed with loss in 2025

PB Fintech Limited IPO Analysis

PB Fintech IPO is a Book Building listing on BSE,NSE exchange, with an ipo size of ₹ 5625.00 Cr. The company is based in Haryana and caters to Banking And Finance - FinTech sector. Citigroup Global Markets India , Hdfc Bank , ICICI Securities are the merchant bankers of PB Fintech IPO. It is a MainBoard IPO which filed its Draft Red Herring Prospectus (DRHP) on 31st July 2021.

PB Fintech IPO posted revenues of ₹ 1032.68 crores and PAT of ₹ -443.36 crores in FY22 on annualised basis.

IPO Key Highlights

*At the time of IPO, on Annualised Basis
  • Revenue: ₹ 950.92 Cr.
            EBITDA: ₹ -1,344.36 Cr.
            PAT: ₹ -443.36 Cr.
  • EBITDA Margin: -141.37 %
            Pat Margin: -46.62 %
  • Net Worth: ₹ 1952.15 Cr.
  • Market Capitalisation: [●]
  • P/E: [●]
  • P/BV: [●]
  • EV/EBITDA: [●]
Nature of IPO : MainBoard
Exchange : BSE,NSE
IPO Type : Book Building

PB Fintech IPO Financial Performance (Restated)

Financial results of PB Fintech IPO based on restated financials as per prospectus and IPO review parameters can be referred to below.

Amount in ₹ crores
Financials Jun-21 FY21 FY20 FY19
Balance Sheet
Assets 2278.91 2330.73 1576.00 751.45
Net Worth 1952.15 1991.73 1265.85 490.29
Total Debt [●] [●] [●] [●]
Profit & Loss
Revenue
Revenue on annualised basis
237.73
950.92
886.66 771.30 492.25
EBITDA
EBITDA on annualised basis
-336.09
-1,344.36
-159.76 -59.43 -118.36
PAT
PAT on annualised basis
-110.84
-443.36
-150.24 -304.03 -346.81
Financials
30-Jun-21
FY21
FY20
FY19
Balance Sheet
Assets
2278.91
2330.73
1576.00
751.45

Net Worth
1952.15
1991.73
1265.85
490.29

Total Debt
0.00
0.00
0.00
0.00

Profit & Loss
Revenue
Revenue on annualised basis
237.73
950.92
886.66
771.30
492.25

EBITDA
EBITDA on annualised basis
-336.09
-1,344.36
-159.76
-59.43
-118.36

PAT
PAT on annualised basis
-110.84
-443.36
-150.24
-304.03
-346.81

Notes:
1) Total debt incluides long-term borrowings and short-term borrowings.
2) Revenue means the Revenue from Operations as appearing in the Restated Financial Statements.

PB Fintech IPO Key performance Indicators (KPI)

PB Fintech IPO PAT Margin is -46.62 % , ROCE (Return on Capital Employed) is [●] % as per latest financial. The below table shows PB Fintech IPO Key Performance Indicators (KPI) as mentioned in company’s prospectus.

Particulars Jun-21 FY21 FY20 FY19
EBITDA Margin (%) -141.37 -18.02 -7.71 -24.04
PAT Margin (%) -46.62 -16.94 -39.42 -70.45
EPS (₹) -2.91 -4.11 -8.68 -12.01
ROE (%) -5.68 -7.54 -24.02 -70.74
ROCE (%) [●] [●] [●] [●]
ROA (%) -4.86 -6.45 -19.29 -46.15
Debt to Equity [●] [●] [●] [●]
Particulars
30-Jun-21
FY21
FY20
FY19

EBITDA Margin (%)
-141.37
-18.02
-7.71
-24.04

PAT Margin (%)
-46.62
-16.94
-39.42
-70.45

EPS (₹)
-2.91
-4.11
-8.68
-12.01

ROE (%)
-5.68
-7.54
-24.02
-70.74

ROCE (%)
[●]
[●]
[●]
[●]

ROA (%)
-4.86
-6.45
-19.29
-46.15

Debt to Equity (x)  
[●]
[●]
[●]
[●]

Notes:
1) The EPS represents post-bonus basic EPS.
2) Return on Equity is ratio of Profit after Tax and Total Equity.
3) Return on Assets is ratio of Profit after Tax and Total Assets.
4) Debt to Equity is ratio of Total borrowings and Total Equity.

PB Fintech IPO Valuation Metrics

The market Capitalisation of PB Fintech IPO is ₹ 0.00 crores at the time of IPO and other IPO valuation metrics of this IPO is mentioned below.

Key Metrics (at the time of IPO)


Market Capitalisation (₹ Cr.):
[●]

Enterprise Value (EV) (₹ Cr.):
[●]

EV/EBITDA (times) :
[●]

PE Multiple (times) :
0.00

P/B (times) :
[●]

NAV (₹) :
51.19

Notes:
1) The Enterprise Value is calculated as Market Cap. + Total Debt - Cash and Cash Equivalents.
2) Price to Book multiple is calculated as the ratio of Market Cap. and Net Worth post IPO proceeds.

What are the key financial metrics in PB Fintech prospectus?

The PB Fintech IPO prospectus highlights an Return on Equity (ROE) of -5.68 % , Return on Assets (ROA) of -4.86 %, and an EBITDA Margin of -141.37 %, showcasing financial performance.

How do profitability ratios impact the evaluation of PB Fintech IPO?

Profitability ratios like Return on Equity (ROE), Return on Assets (ROA), and Net Profit Margin shows PB Fintech IPO financial report. Analysing these metrics can provide insights into the company’s efficiency, profitability, and long-term growth potential.

What is the market capitalisation for PB Fintech IPO ?

The post-IPO market capitalisation of PB Fintech IPO is ₹ 0.00 Cr., based on the issue price and share structure. It helps investors gauge the company’s valuation and compare it with industry peers before investing.

What is the PE Multiple of PB Fintech IPO?

The PB Fintech IPO has a Price-to-Earnings (PE) ratio of [●], indicating valuation compared to industry peers. It helps investors determine if the stock is overvalued or undervalued compared to its earnings and industry peers.

What is the Revenue of PB Fintech IPO?

PB Fintech IPO reported revenue of ₹ 1032.68 Cr. in the latest fiscal year, showing business performance, on annualised basis. Revenue figures from PB Fintech IPO provide insights into sales growth, market demand, and business scalability.

What is the EBITDA of PB Fintech IPO?

PB Fintech recorded an EBITDA of ₹ -1,344.36 Cr., reflecting operational efficiency. EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) measures operational profitability.

What is the PAT of PB Fintech IPO?

PB Fintech Profit After Tax (PAT) is ₹ -443.36 Cr., reflecting earnings growth. Profit After Tax (PAT) reflects the company’s actual earnings after all expenses, taxes, and deductions

IPO Key Highlights

*At the time of IPO, on Annualised Basis
  • Revenue: ₹ 950.92 Cr.
            EBITDA: ₹ -1,344.36 Cr.
            PAT: ₹ -443.36 Cr.
  • EBITDA Margin: -141.37 %
            Pat Margin: -46.62 %
  • Net Worth: ₹ 1952.15 Cr.
  • Market Capitalisation: [●]
  • P/E: [●]
  • P/BV: [●]
  • EV/EBITDA: [●]

Revenue

(As Annualised)

EBITDA

(As Annualised)

PAT

(As Annualised)
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FAQs

PB Fintech operates in Banking And Finance - FinTech and Online Platform. The Issue is listed on BSE,NSE in Nov, 2021. PB Fintech IPO size was 5625.00 with Issue price of 980.00 .

Merchant Banker(s) of PB Fintech IPO: Citigroup Global Markets India Private Limited , Hdfc Bank Limited , ICICI Securities Limited

PB Fintech IPO subscription was 16.59 X. IPO subscription refers to applications received in an IPO by each quota, i.e., QIB, Retail, and NII. In some IPOs, Eligible employee quota and shareholder’s quota are also present. Learn more about IPO subscriptions here.

PB Fintech IPO listed at a listing price of 1202.90 against the offer price of 980.00.

The current market price of PB Fintech is 1809.00.

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