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PB Fintech (BOM:543390) EBIT : ₹3,384 Mil (TTM As of Dec. 2024)


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What is PB Fintech EBIT?

PB Fintech's earnings before interest and taxes (EBIT) for the three months ended in Dec. 2024 was ₹1,313 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2024 was ₹3,384 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. PB Fintech's annualized ROC % for the quarter that ended in Dec. 2024 was 3.11%. PB Fintech's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2024 was 82.41%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. PB Fintech's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2024 was 0.53%.


PB Fintech EBIT Historical Data

The historical data trend for PB Fintech's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

PB Fintech EBIT Chart

PB Fintech Annual Data
Trend Mar19 Mar20 Mar21 Mar22 Mar23 Mar24
EBIT
Get a 7-Day Free Trial -2,321.69 -1,303.90 -7,503.09 -4,666.00 1,035.70

PB Fintech Quarterly Data
Mar19 Mar20 Jun20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 713.90 -51.40 1,087.10 1,034.50 1,313.30

Competitive Comparison of PB Fintech's EBIT

For the Insurance Brokers subindustry, PB Fintech's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PB Fintech's EV-to-EBIT Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, PB Fintech's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where PB Fintech's EV-to-EBIT falls into.



PB Fintech EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Dec. 2024 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹3,384 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


PB Fintech  (BOM:543390) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

PB Fintech's annualized ROC % for the quarter that ended in Dec. 2024 is calculated as:

ROC % (Q: Dec. 2024 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Sep. 2024 ) + Invested Capital (Q: Dec. 2024 ))/ count )
=1240.4 * ( 1 - 15.95% )/( (33514.5 + 0)/ 1 )
=1042.5562/33514.5
=3.11 %

where

Invested Capital(Q: Sep. 2024 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=71533.8 - 3702.1 - ( 34317.2 - max(0, 7149.6 - 43276.9+34317.2))
=33514.5

Note: The Operating Income data used here is four times the quarterly (Dec. 2024) data.

2. Joel Greenblatt's definition of Return on Capital:

PB Fintech's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2024 is calculated as:

ROC (Joel Greenblatt) %(Q: Dec. 2024 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Sep. 2024  Q: Dec. 2024
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=5253.2/( ( (4152.2 + max(2222.3, 0)) + (0 + max(0, 0)) )/ 1 )
=5253.2/( ( 6374.5 + 0 )/ 1 )
=5253.2/6374.5
=82.41 %

where Working Capital is:

Working Capital(Q: Sep. 2024 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(8015.9 + 0 + 896.9) - (3702.1 + 0 + 2988.4)
=2222.3

Working Capital(Q: Dec. 2024 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Dec. 2024) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

PB Fintech's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2024 )
=3383.5/638268.859
=0.53 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


PB Fintech EBIT Related Terms

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PB Fintech Business Description

Traded in Other Exchanges
Address
Sector 44, Plot No. 119, Gurugram, HR, IND, 122001
PB Fintech Ltd is an online platform for insurance and lending products. The company provides convenient access to insurance, credit, and other financial products and aims to create awareness in India about the financial impact of death, disease, and damage. The group earns its entire revenue within India only. The company has two operating segments; the Insurance services segment and the Other services segment. The company generates the majority of its revenue from the Insurance services segment, which consists of Insurance Broker services provided by the group.

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