Net margin is calculated as Net Income divided by its Revenue. PB Fintech's Net Income for the
three
months ended in Mar. 2026 was ₹2,611 Mil. PB Fintech's Revenue for the
three
months ended in Mar. 2026 was ₹20,613 Mil. Therefore, PB Fintech's net margin for the quarter that ended in Mar. 2026 was 12.67%.
The historical rank and industry rank for PB Fintech's Net Margin % or its related term are showing as below:
BOM:543390'
s Net Margin % Range Over the Past 10 Years
Min: -70.45 Med: -18 Max: 9.86
Current: 9.86
BOM:543390's Net Margin % is ranked better than 53.27% of 505
companies
in the Insurance industry
Industry Median: 9.26
vs BOM:543390: 9.86
PB Fintech (BOM:543390) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
PB Fintech Net Margin % Related Terms
PB Fintech Net Margin % Historical Data
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The historical data trend for PB Fintech's Net Margin % 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.
BOM:543390 vs MRSH, AON, AJG: Net Margin % Comparison
For the Insurance Brokers subindustry, PB Fintech's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, PB Fintech's Net Margin % distribution charts can be found below:
* The bar in red indicates where PB Fintech's Net Margin % falls into.
* 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) has a Net Margin % of 12.67% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PB Fintech and its competitors. According to the industry distribution chart, PB Fintech ranks #236 out of 505 companies in the Insurance industry, placing it in the top 46.7%.
Is PB Fintech's Net Margin % too high?
PB Fintech's current Net Margin % is 12.67%. The Insurance industry median Net Margin % is 9.26. PB Fintech's value of 12.67% is 36.8% above this industry median. Based on the distribution chart, PB Fintech ranks #236 out of 505 companies in the Insurance industry, which is above the industry midpoint. 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 Net Margin % compare to MRSH and AON?
According to the Insurance industry distribution chart, PB Fintech ranks #236 out of 505 companies for Net Margin %. This puts PB Fintech in the upper half of its industry. The industry median Net Margin % is 9.26. PB Fintech's value of 12.67% is 36.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.26, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PB Fintech's current Net Margin % of 12.67% is 36.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on PB Fintech and its competitors. For the Insurance industry, the median Net Margin % is 9.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PB Fintech's current Net Margin % is 12.67%. 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 ₹2,432.03, compared to a current price of ₹1,684.60 — trading 30.7% below its estimated fair value. The current Net Margin % is 12.67% and 36.8% above the Insurance industry median of 9.26. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For PB Fintech (BOM:543390), the current Net Margin % is 12.67% 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 ₹1,684.60 is trading 30.7% below its estimated GF Value™ of ₹2,432.03.
GuruFocus considers PB Fintech to be Possible Value Trap.
Key valuation signals for BOM:543390:
Net Margin %: 12.67%
GF Value™: ₹2,432.03 vs. price of ₹1,684.60 (30.7% below fair value)
Industry Position: 36.8% above the Insurance median (#236 of 505)
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 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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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