PB Fintech Ltd. benchmarking: Perfomance to industry peers

Financial

	PB Fintech	One97 Communications	Eternal
Operational Metrics
Retail
Registered Consumers	111.6 Mn	n/a	n/a
Transacting Consumers - Quarterly	21.8 Mn	n/a	n/a
Policies Sold - Quarterly	55.6 Mn	n/a	n/a
New Business Premium - Quarterly	6616.0 Crs	n/a	n/a
Premium From Renewals	1958.4 Crs	n/a	n/a
Financials
5 yr Average ROE	-5.04 %	-14.3 %	-3.78 %
5yr average Equity Multiplier	1.15	1.38	1.11
5yr Average Asset Turnover Ratio	0.44	0.38	0.38
5yr Avg Net Profit Margin	-17.08 %	-30.94 %	-15.56 %
Price to Book	12.18	5.54	9.95
P/E	178.65	275.03	0.0
5yr Avg Cash Conversion Cycle	59.9 Days	77.96 Days	-52.35 Days
Inventory Days	0.0	0.0	2.44 Days
Days Receivable	59.9 Days	77.96 Days	24.7 Days
Days Payable	8.28 Days	21.72 Days	222.85 Days
5yr Average Interest Coverage Ratio	-15.21	-52.25	-37.91
5yr Avg ROCE	-4.34 %	-13.97 %	-3.08 %
5yr Avg Operating Profit Margin	-22.14 %	-32.89 %	-16.64 %
5 yr average Debt to Equity	0.0	0.02	0.0
5yr CAGR Net Profit	n/a	-17.23 %	n/a
5yr Average Return on Assets	-4.52 %	-10.48 %	-3.57 %
Shareholdings
Promoter Holding	0.0	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	13.45 %	14.99 %	20.09 %

Business

	PB Fintech	One97 Communications	Eternal
Product Wise Break-Up	Product Wise Break-Up Insurance Commission 85.96 Financial Products Commission 10.8 Consulting 1.0 Outsourcing Services 0.39 Rewards 0 Marketing Services 0 Payment & Financial Services 0 Quick Commerce-Blinkit 0 Hyperpure 0 Zomato Pro 0 Dine Out Advertising 0 Delivery Revenue 0 Others 1.85	Product Wise Break-Up Marketing Services 12.88 Rewards 0 Payment Processing 83.68 Outsourcing Services 0 Consulting 0 Delivery Revenue 0 Dine Out Advertising 0 Financial Products Commission 0 Insurance Commission 0 Zomato Pro 0 Quick Commerce-Blinkit 0 Hyperpure 0 Others 3.44	Product Wise Break-Up Marketing Services 0 Rewards 0 Payment & Financial Services 0 Outsourcing Services 0 Consulting 0 Delivery Revenue 18.29 Advertising 1.39 Financial Products Commission 0 Insurance Commission 0 Zomato Pro 0 Quick Commerce-Blinkit 72.78 Hyperpure 7.53 Others 0.01
Segment Break-Up	Segment Break-Up Insurance Web Aggregator 88.05 Revenue from sale of traded goods 0 Royalty Income 0 Revenue From Services 0 Others 11.95	-	Segment Break-Up Traded Goods 30.53 Services 69.47 Royalty Income 0 Insurance Web Aggregator 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 UAE 0	Location Wise Break-Up UAE 0 India 100.0	Location Wise Break-Up UAE 3.22 India 95.83 Others 0.95
Distribution Channel	Distribution Channel Direct 0 Others 100	-	-
Operating Profit Break-Up	Operating Profit Break-Up Insurance Web Aggregator Services 100.0 Quick Commerce Business 0 HYPERPURE 0 DELIVERY REVENUE 0	-	Operating Profit Break-Up Insurance Web Aggregator Services 0 Quick Commerce Business 0.95 HYPERPURE 0.19 DELIVERY REVENUE 98.85 Others 0.01
Premium Break-Up	Premium Break-Up Motor 53.0 Health 42.0 Term 5.0	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-

PB Fintech Ltd.

PB Fintech Ltd.

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