PB Fintech Ltd

PB Fintech Ltd reported a revenue of INR 10,104.9 million in the latest period, but it also recorded an operating loss of INR 798.0 million. The company's net income was INR 601.8 million, indicating a positive bottom line despite the operating loss. The liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in the source documents.

In terms of profitability, the company's net income margin is 5.96% (INR 601.8 million / INR 10,104.9 million), which is a positive sign. However, the operating loss margin of -7.89% (INR -798.0 million / INR 10,104.9 million) suggests significant operational inefficiencies or high costs. These figures are to be compared against the industry's preferred metrics, which typically emphasize both net and operating margins as key indicators of financial health.

The company's revenue is concentrated in a single business segment, as no segmental breakdown is provided in the available data. There is no information on geographic exposure, but the company is likely focused on the Indian market given the currency and ticker symbol. This concentration could pose a risk if the market experiences a downturn or regulatory changes.

Looking at the growth trajectory, the company's revenue of INR 10,104.9 million is a key figure, but without historical data, it is difficult to assess the growth rate. Analysts have provided a mean price target of INR 1,950.67 and a median price target of INR 1,950.00, suggesting a positive outlook. The mean recommendation of 2.18 indicates a generally positive sentiment among analysts, with 8 strong-buy ratings and 7 buy ratings.

The risk assessment highlights a low dilution risk, which is a positive factor for investors. However, the inability to assess liquidity risk is a concern, as it could affect the company's ability to meet short-term obligations. The company has not issued any recent filings or transcripts that would provide additional insight into its operations or strategic direction.

Revenue INR 20.61B, +36,7% YoY; Operating income +130,0% YoY.

• ▍Revenue INR 20.61B, +36,7% YoY
• ▍Operating income +130,0% YoY
• ▍Net income +53,0% YoY
• ▍Net margin 12.7%

Revenue INR 17.71B, +37,1% YoY; Operating income +2 222,6% YoY.

• ▍Revenue INR 17.71B, +37,1% YoY
• ▍Operating income +2 222,6% YoY
• ▍Net income +164,7% YoY
• ▍Net margin 10.7%

Revenue INR 16.14B, +38,2% YoY; Operating income +272,0% YoY.

• ▍Revenue INR 16.14B, +38,2% YoY
• ▍Operating income +272,0% YoY
• ▍Net income +166,2% YoY
• ▍Net margin 8.4%

Revenue INR 13.48B, +33,4% YoY; Operating income +101,1% YoY.

• ▍Revenue INR 13.48B, +33,4% YoY
• ▍Operating income +101,1% YoY
• ▍Net income +40,6% YoY
• ▍Net margin 6.3%

Revenue INR 15.08B; Operating income INR 797.5M.

• ▍Revenue INR 15.08B
• ▍Operating income INR 797.5M
• ▍Net margin 11.3%

Revenue INR 12.92B; Operating income -INR 58.9M.

• ▍Revenue INR 12.92B
• ▍Operating income -INR 58.9M
• ▍Net margin 5.5%

Revenue INR 11.67B; Operating income -INR 371.8M.

• ▍Revenue INR 11.67B
• ▍Operating income -INR 371.8M
• ▍Net margin 4.3%

Revenue INR 10.10B; Operating income -INR 798.0M.

• ▍Revenue INR 10.10B
• ▍Operating income -INR 798.0M
• ▍Net margin 6.0%

Revenue INR 67.94B, +36,5% YoY; Operating income +5 597,4% YoY.

• ▍Revenue INR 67.94B, +36,5% YoY
• ▍Operating income +5 597,4% YoY
• ▍Net income +89,8% YoY
• ▍Free cash flow +92,5% YoY
• ▍Net margin 9.9%

Revenue INR 49.77B, +44,8% YoY; Operating income +97,5% YoY.

• ▍Revenue INR 49.77B, +44,8% YoY
• ▍Operating income +97,5% YoY
• ▍Net income +427,0% YoY
• ▍Free cash flow +320,3% YoY
• ▍Net margin 7.1%

Revenue INR 34.38B, +34,4% YoY; Operating income +63,1% YoY.

• ▍Revenue INR 34.38B, +34,4% YoY
• ▍Operating income +63,1% YoY
• ▍Net income +113,8% YoY
• ▍Free cash flow +118,3% YoY
• ▍Net margin 1.9%

Revenue INR 25.58B, +79,5% YoY; Operating income +23,1% YoY.

• ▍Revenue INR 25.58B, +79,5% YoY
• ▍Operating income +23,1% YoY
• ▍Net income +41,5% YoY
• ▍Free cash flow +40,5% YoY
• ▍Net margin -19.0%