Paytm vs PB Fintech: share price, P/E, ROE and financials compared

Prices as of 6 Nov 2026. Figures are from company filings and exchange data. This is an educational comparison, not investment advice.

One 97 Communications

NSE: PAYTM · Financial Services

₹1,794.400.72%

PB Fintech

NSE: POLICYBZR · Financial Services

₹967.000.51%

Paytm and PB Fintech at a glance

Paytm and PB Fintech are both listed in Financial Services. Paytm is the larger by market cap, at ₹1.1L Cr against ₹44,687 Cr for PB Fintech (2.6 times as large). On valuation, PB Fintech has the lower P/E (55.8× against 136.1×) and the lower price-to-book (5.75× against 6.94×). On returns and margins, PB Fintech has the higher ROE (11.1% against 5.3%). PB Fintech is a lender or insurer, so its ROCE, margins and debt-to-equity aren’t comparable with Paytm’s.

See the full interactive comparison

Key metrics, side by side

Key metrics of Paytm and PB Fintech
Metric	PaytmPAYTM	PB FintechPOLICYBZR
Price (₹)	1,794.40	967.00
Market cap (₹ Cr)	1,14,873	44,687
P/E	136.1×	55.8× (the lower figure, shaded)
P/B	6.94×	5.75× (the lower figure, shaded)
Dividend yield, trailing	0.00%	0.00%
ROE	5.3%	11.1% (the higher figure, shaded)
ROCE	3.7%	n/m
Operating margin (OPM)	8.0%	n/m
Net margin (NPM)	8.9%	10.2% (the higher figure, shaded)
Sales CAGR 3Y	+1.2%	n/m
Profit CAGR 3Y	–	–
Debt to equity	0.02×	n/m
Interest cover	33.3×	n/m
Net profit TTM (₹ Cr)	855	806
1Y return	+40.5% (the higher figure, shaded)	−46.7%
Promoter holding	0.00%	0.00%

Shaded: the company with the more favourable reading (lower P/E, debt or P/B; higher ROE, ROCE, margins, growth or yield) when the gap is meaningful. n/m means not meaningful, for example ROCE for a bank. Loss-making companies’ multiples are shown but not ranked.

Paytm vs PB Fintech: common questions

Which is bigger, Paytm or PB Fintech?

By market cap, Paytm is bigger at ₹1.1L Cr, against ₹44,687 Cr for PB Fintech (prices as of 6 Nov 2026). Net profit over the last twelve months was ₹855 Cr for Paytm and ₹806 Cr for PB Fintech.

Which has a lower P/E ratio, Paytm or PB Fintech?

Paytm trades at a P/E of 136.1× and PB Fintech at 55.8×. PB Fintech has the lower P/E. P/E is the share price divided by earnings per share; it varies a lot between industries and with growth, so it says little on its own.

Which has a higher ROE, Paytm or PB Fintech?

Paytm reports a return on equity of 5.3% and PB Fintech 11.1%. PB Fintech has the higher ROE. ROE is net profit as a share of shareholders’ equity.

Go to the stock pages for Paytm and PB Fintech, or add up to four more companies in the interactive comparison.