PB Fintech (BOM:543390) EBIT: ₹7,445 Mil (TTM As of Mar. 2026)


BOM:543390 PB Fintech Ltd BOM:543390
82 GF Score
Price ₹1,591.40
GF Value ₹2,437.34
Valuation Possible Value Trap
! 4 Warning Signs
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What is PB Fintech EBIT?

PB Fintech BOM:543390 -5.25% 82 EBIT is ₹7,445 Mil as of Mar. 2026. GuruFocus rates BOM:543390 with a GF Score™ of 82/100 and a GF Value™ of ₹2,437.34 (Possible Value Trap). The stock has 4 warning signs investors should review.

PB Fintech's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹2,817 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹7,445 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 Mar. 2026 was 12.40%. PB Fintech's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 85.60%.

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 Mar. 2026 was 1.04%.


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 Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=7335.6 * ( 1 - 3.95% )/( (0 + 56837.4)/ 1 )
=7045.8438/56837.4
=12.40 %

where

Invested Capital(Q: Mar. 2026 )
=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))
=87065.2 - 4711.3 - ( 25516.5 - max(0, 9919.7 - 43760.2+25516.5))
=56837.4

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

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

PB Fintech's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=11267.2/( ( (0 + max(0, 0)) + (4304 + max(8858.9, 0)) )/ 1 )
=11267.2/( ( 0 + 13162.9 )/ 1 )
=11267.2/13162.9
=85.60 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(17287 + 0 + 938) - (4711.3 + 0 + 4654.8)
=8858.9

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) 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: Mar. 2026 )
=7444.6/713435.942
=1.04 %

* 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


PB Fintech EBIT Historical Data

* Premium members only.

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.

PB Fintech EBIT Chart

PB Fintech Annual Data
Trend Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial -8,198.25 -4,666.00 1,035.70 4,205.10 7,444.60

PB Fintech Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 1,796.90 1,011.10 1,512.90 2,103.80 2,816.80

BOM:543390 vs MRSH, AON, AJG: EBIT Comparison

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 EV-to-EBIT vs 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.


BOM:543390
82GF Score
PB Fintech Ltd BOM:543390
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹7,445 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹7,445 Mil mean?
PB Fintech (BOM:543390) has a EBIT of ₹7,445 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on PB Fintech.
Is PB Fintech's EBIT too high?
PB Fintech's current EBIT is ₹7,445 Mil. Overall, PB Fintech has a GF Score™ of 82/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PB Fintech's EBIT compare to MRSH and AON?
PB Fintech's EBIT of ₹7,445 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on PB Fintech. PB Fintech's current EBIT is ₹7,445 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PB Fintech stock overvalued right now?
Based on GuruFocus' analysis, PB Fintech (BOM:543390) is currently considered Possible Value Trap. The stock's GF Value™ is ₹2,437.34, compared to a current price of ₹1,591.40 — trading 34.7% below its estimated fair value. The current EBIT is ₹7,445 Mil. PB Fintech's overall GF Score™ is 82/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For PB Fintech (BOM:543390), the current EBIT is ₹7,445 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is PB Fintech (BOM:543390) Overvalued in 2026?

Based on GuruFocus' analysis, PB Fintech stock appears to be undervalued. The current stock price of ₹1,591.40 is trading 34.7% below its estimated GF Value™ of ₹2,437.34. GuruFocus considers PB Fintech to be Possible Value Trap.

Key valuation signals for BOM:543390:

  • EBIT: ₹7,445 Mil
  • GF Value™: ₹2,437.34 vs. price of ₹1,591.40 (34.7% below fair value)
  • GF Score™: 82/100 with 4 warning signs

No single metric tells the full story. See the BOM:543390 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PB Fintech Business Description

Other Exchanges POLICYBZR:India
Address Sector 44, Plot No. 119, Gurugram, HR, IND, 122001
PB Fintech Ltd is an integrated online marketing and consulting firm serving the financial services industry, including insurance. Its revenue mainly comes from commissions on insurance and financial products sold online and offline. Services include online marketing, product aggregation, insurance commissions, outsourcing for insurers, generating sales, IT support, and lending-related fees. The business operates in a single segment focused on financial services, with all revenue generated within India. The Company helps middle-class households secure social security by providing solutions for protecting against death and disease, planning for child education and pensions, and accessing financial and lending products.
82GF Score

Get the complete analysis for BOM:543390

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,591.40
Price
₹2,437.34
GF Value