PB Fintech Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Revenue growth has consistently improved, indicating strong market position.
Cost-cutting measures have resulted in better operational efficiency in recent quarters.
Strong cash flow generation supports future investments and expansions.

NEGATIVES

Declining profit margins over the last four quarters, indicating rising production costs.
Increasing operational expenses are impacting overall profitability.
Sales growth has slowed, suggesting potential challenges in market demand.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	665.59	811.63	870.89	1,089.57	1,010.49	1,167.23	1,291.62	1,507.87	1,347.99	1,613.55
Expenses	742.68	900.72	896.39	1,084.15	1,049.74	1,175.03	1,263.94	1,394.83	1,313.60	1,515.73
Operating Profit	-77.09	-89.09	-25.50	5.42	-39.25	-7.80	27.68	113.04	34.39	97.82
Other Income	91.16	97.49	93.61	98.31	100.26	106.02	100.38	101.09	98.75	84.51
Interest	6.27	7.18	6.44	6.57	6.37	8.98	9.31	9.17	8.77	9.23
Depreciation	19.52	22.32	23.08	23.80	25.02	29.39	33.57	33.29	33.48	33.86
Profit Before Tax	-11.58	-21.43	37.23	72.89	70.80	60.26	85.12	171.45	92.34	142.06
Tax	0.32	-0.32	0	12.70	10.82	9.28	13.58	0.79	7.69	7.17
Net Profit	-11.90	-21.11	37.23	60.19	59.98	50.98	71.54	170.66	84.65	134.89
Eps in Rs	-0.26	-0.45	0.85	1.35	1.34	1.12	1.57	3.73	1.85	2.94