PB Fintech Ltd
NSE:POLICYBZR
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PB Fintech Ltd
NSE:POLICYBZR
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IN |
Income Statement
Earnings Waterfall
PB Fintech Ltd
Income Statement
PB Fintech Ltd
| Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||
| Interest Expense |
0
|
136
|
0
|
0
|
0
|
214
|
0
|
0
|
0
|
265
|
0
|
0
|
0
|
338
|
0
|
0
|
0
|
|
| Revenue |
14 917
N/A
|
14 249
-4%
|
14 128
-1%
|
19 862
+41%
|
22 290
+12%
|
25 578
+15%
|
27 182
+6%
|
29 564
+9%
|
32 172
+9%
|
34 377
+7%
|
37 826
+10%
|
41 382
+9%
|
45 589
+10%
|
49 772
+9%
|
53 147
+7%
|
57 610
+8%
|
62 406
+8%
|
|
| Operating Income | ||||||||||||||||||
| Operating Expenses |
(21 453)
|
(23 699)
|
(22 554)
|
(30 705)
|
(31 360)
|
(32 832)
|
(32 928)
|
(34 007)
|
(35 594)
|
(37 125)
|
(40 252)
|
(43 066)
|
(46 846)
|
(50 043)
|
(52 771)
|
(56 223)
|
(59 709)
|
|
| Selling, General & Administrative |
(20 512)
|
(23 256)
|
(20 937)
|
(28 407)
|
(28 729)
|
(32 142)
|
(29 113)
|
(28 645)
|
(28 235)
|
(36 201)
|
(27 806)
|
(29 001)
|
(30 736)
|
(48 548)
|
(33 112)
|
(34 146)
|
(35 693)
|
|
| Depreciation & Amortization |
(621)
|
(428)
|
(360)
|
(516)
|
(584)
|
(638)
|
(701)
|
(769)
|
(824)
|
(887)
|
(942)
|
(1 013)
|
(1 118)
|
(1 213)
|
(1 297)
|
(1 342)
|
(1 344)
|
|
| Other Operating Expenses |
(320)
|
(15)
|
(1 257)
|
(1 782)
|
(2 047)
|
(52)
|
(3 114)
|
(4 594)
|
(6 535)
|
(37)
|
(11 504)
|
(13 052)
|
(14 992)
|
(282)
|
(18 362)
|
(20 735)
|
(22 672)
|
|
| Operating Income |
(6 537)
N/A
|
(9 450)
-45%
|
(8 426)
+11%
|
(10 843)
-29%
|
(9 069)
+16%
|
(7 254)
+20%
|
(5 745)
+21%
|
(4 443)
+23%
|
(3 422)
+23%
|
(2 748)
+20%
|
(2 426)
+12%
|
(1 684)
+31%
|
(1 257)
+25%
|
(271)
+78%
|
376
N/A
|
1 387
+269%
|
2 696
+94%
|
|
| Pre-Tax Income | ||||||||||||||||||
| Interest Income Expense |
650
|
1 086
|
(118)
|
(171)
|
(194)
|
2 306
|
(233)
|
(255)
|
(275)
|
3 441
|
54
|
43
|
27
|
3 876
|
(347)
|
(325)
|
(319)
|
|
| Non-Reccuring Items |
0
|
29
|
0
|
0
|
0
|
3
|
0
|
0
|
0
|
72
|
71
|
71
|
71
|
203
|
0
|
0
|
0
|
|
| Gain/Loss on Disposition of Assets |
0
|
2
|
0
|
0
|
0
|
(0)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
3
|
0
|
0
|
0
|
|
| Total Other Income |
380
|
0
|
1 319
|
1 923
|
2 276
|
65
|
3 027
|
3 398
|
3 645
|
6
|
3 897
|
3 982
|
4 049
|
64
|
4 062
|
3 847
|
3 692
|
|
| Pre-Tax Income |
(5 508)
N/A
|
(8 334)
-51%
|
(7 225)
+13%
|
(9 091)
-26%
|
(6 987)
+23%
|
(4 880)
+30%
|
(2 952)
+40%
|
(1 300)
+56%
|
(52)
+96%
|
771
N/A
|
1 595
+107%
|
2 412
+51%
|
2 891
+20%
|
3 876
+34%
|
4 092
+6%
|
4 910
+20%
|
6 069
+24%
|
|
| Net Income | ||||||||||||||||||
| Tax Provision |
(84)
|
5
|
5
|
5
|
5
|
0
|
(4)
|
0
|
0
|
(127)
|
(232)
|
(328)
|
(464)
|
(345)
|
(313)
|
(292)
|
(273)
|
|
| Income from Continuing Operations |
(5 591)
|
(8 329)
|
(7 220)
|
(9 086)
|
(6 982)
|
(4 879)
|
(2 955)
|
(1 300)
|
(51)
|
644
|
1 363
|
2 084
|
2 427
|
3 532
|
3 778
|
4 617
|
5 796
|
|
| Income to Minority Interest |
0
|
0
|
0
|
0
|
3
|
7
|
12
|
21
|
26
|
26
|
23
|
11
|
3
|
(2)
|
(4)
|
(1)
|
(2)
|
|
| Net Income (Common) |
(5 591)
N/A
|
(8 329)
-49%
|
(7 220)
+13%
|
(9 086)
-26%
|
(6 979)
+23%
|
(4 872)
+30%
|
(2 943)
+40%
|
(1 279)
+57%
|
(26)
+98%
|
670
N/A
|
1 386
+107%
|
2 095
+51%
|
2 430
+16%
|
3 530
+45%
|
3 774
+7%
|
4 616
+22%
|
5 795
+26%
|
|
| EPS (Diluted) |
-13.13
N/A
|
-20.34
-55%
|
-16.32
+20%
|
-20.39
-25%
|
-15.66
+23%
|
-10.95
+30%
|
-6.7
+39%
|
-2.84
+58%
|
-0.05
+98%
|
1.45
N/A
|
3.01
+108%
|
4.49
+49%
|
5.26
+17%
|
7.65
+45%
|
8.25
+8%
|
9.89
+20%
|
12.49
+26%
|
|