PB Fintech Ltd. benchmarking: Performance to industry peers

Financial

	PB Fintech	Turtlemint Fintech	Bajaj Finserv
Operational Metrics
Retail
Registered Consumers	145.7 Mn	n/a	n/a
Transacting Consumers - Quarterly	26.4 Mn	n/a	n/a
Policies Sold - Quarterly	67.3 Mn	n/a	n/a
New Business Premium - Quarterly	21969.0 Crs	n/a	n/a
Premium From Renewals	1958.4 Crs	n/a	n/a
Financials
5 yr Average ROE	1.33 %	0.0	12.7 %
5yr average Equity Multiplier	1.15	1.24	8.92
5yr Average Asset Turnover Ratio	0.44	0.58	0.2
5yr Avg Net Profit Margin	-17.08 %	-114.59 %	7.01 %
Price to Book	9.88	0.0	3.78
P/E	107.84	0.0	30.02
5yr Avg Cash Conversion Cycle	59.9 Days	54.42 Days	21.4 Days
Inventory Days	0.0	0.0	0.0
Days Receivable	59.9 Days	54.42 Days	21.4 Days
Days Payable	8.28 Days	0.0	0.0
5yr Average Interest Coverage Ratio	-15.21	-99.05	2.12
5yr Avg ROCE	-4.34 %	-37.69 %	16.06 %
5yr Avg Operating Profit Margin	-22.14 %	-124.28 %	35.73 %
5 yr average Debt to Equity	0.0	0.0	4.74
5yr CAGR Net Profit	n/a	-7.6 %	16.55 %
5yr Average Return on Assets	-4.52 %	-32.37 %	1.43 %
Shareholdings
Promoter Holding	0.0	13.21 %	58.71 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-2.07 %
Change in Mutual Fund Holding (3 Yrs)	18.6 %	0.0	4.4 %

	PB Fintech	Turtlemint Fintech	Bajaj Finserv
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 fees 0 Technical and support services 0 0 Others 1.85	Product Wise Break-Up Distribution of financial products 98.91 Technical and support services 1.09 Consulting 0 Rewards 0 Insurance Commission 0 Outsourcing Services 0 Marketing fees 0 Financial Products Commission 0	Product Wise Break-Up 0 Technical and support services 0 Consulting 0 Rewards 0 Insurance Commission 0 Outsourcing Services 0 Marketing fees 0 Financial Products Commission 0 Others 100
Segment Break-Up	Segment Break-Up Insurance Web Aggregator 92.2 Windmill 0 Retail Financing 0 Investment & Others 0 Insurance 0 Others 7.8	-	Segment Break-Up Insurance 39.63 Wind 0.01 NBFC 55.17 Insurance Web Aggregator 0 Investments 1.27 Others 3.92
Location Wise Break-Up	Location Wise Break-Up India 100.0 Outside India 0	Location Wise Break-Up India 0.25 Outside India 99.75	Location Wise Break-Up India 100.0 Outside India 0
Distribution Channel	Distribution Channel Direct 0 Banks 0 Others 100	-	Distribution Channel Direct 0 Banking 12.0 Others 88.0
Operating Profit Break-Up	Operating Profit Break-Up Insurance Web Aggregator Services 100.0	-	-
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	-	-