PB Fintech Limited Just Missed Earnings - But Analysts Have Updated Their Models

PB Fintech Limited (NSE:POLICYBZR) came out with its third-quarter results last week, and we wanted to see how the business is performing and what industry forecasters think of the company following this report. PB Fintech beat revenue expectations by 5.0%, at ₹13b. Statutory earnings per share (EPS) came in at ₹1.55, some 5.7% short of analyst estimates. This is an important time for investors, as they can track a company's performance in its report, look at what experts are forecasting for next year, and see if there has been any change to expectations for the business. We thought readers would find it interesting to see the analysts latest (statutory) post-earnings forecasts for next year.

Check out our latest analysis for PB Fintech

Taking into account the latest results, the most recent consensus for PB Fintech from 20 analysts is for revenues of ₹63.9b in 2026. If met, it would imply a huge 40% increase on its revenue over the past 12 months. Statutory earnings per share are predicted to jump 231% to ₹17.61. Before this earnings report, the analysts had been forecasting revenues of ₹61.6b and earnings per share (EPS) of ₹17.27 in 2026. There doesn't appear to have been a major change in sentiment following the results, other than the slight bump in revenue estimates.

Even though revenue forecasts increased, there was no change to the consensus price target of ₹1,765, suggesting the analysts are focused on earnings as the driver of value creation. There's another way to think about price targets though, and that's to look at the range of price targets put forward by analysts, because a wide range of estimates could suggest a diverse view on possible outcomes for the business. The most optimistic PB Fintech analyst has a price target of ₹2,530 per share, while the most pessimistic values it at ₹1,400. Note the wide gap in analyst price targets? This implies to us that there is a fairly broad range of possible scenarios for the underlying business.

Looking at the bigger picture now, one of the ways we can make sense of these forecasts is to see how they measure up against both past performance and industry growth estimates. The period to the end of 2026 brings more of the same, according to the analysts, with revenue forecast to display 31% growth on an annualised basis. That is in line with its 34% annual growth over the past five years. Compare this with the broader industry, which analyst estimates (in aggregate) suggest will see revenues grow 9.6% annually. So although PB Fintech is expected to maintain its revenue growth rate, it's definitely expected to grow faster than the wider industry.

The Bottom Line

The most important thing to take away is that there's been no major change in sentiment, with the analysts reconfirming that the business is performing in line with their previous earnings per share estimates. Pleasantly, they also upgraded their revenue estimates, and their forecasts suggest the business is expected to grow faster than the wider industry. The consensus price target held steady at ₹1,765, with the latest estimates not enough to have an impact on their price targets.

With that in mind, we wouldn't be too quick to come to a conclusion on PB Fintech. Long-term earnings power is much more important than next year's profits. We have forecasts for PB Fintech going out to 2027, and you can see them free on our platform here.

Even so, be aware that PB Fintech is showing 1 warning sign in our investment analysis , you should know about...

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.