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AN EMPIRICAL STUDY ON LIQUIDITY, PROFITABILITY AND SOLVENCY POSITION OF PB FINTECH LTD WITH REFERENCE TO POLICY BAZAAR”

AUTHORS:
M. Sai Charan
Mentor
M. Prasad Rao
Affiliation
Department OF MBA, CMR Institute of Technology, Hyderabad,  Telangana, India,
CC BY 4.0 License:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract
Financial performance analysis plays a crucial role in evaluating the operational efficiency and financial stability of organizations. This study examines the liquidity, profitability, and solvency position of PB Fintech Ltd with special reference to Policy bazaar, one of India's leading digital insurance platforms. The primary objective of the study is to assess the company’s short-term liquidity, long-term solvency, and profitability performance during the study period.

The research adopts a descriptive and analytical approach using secondary data collected from annual reports, financial statements, company disclosures, and published financial sources. Financial ratio analysis, trend analysis, and comparative analysis were employed to evaluate the financial condition of the company.

The findings indicate that PB Fintech Ltd has maintained a satisfactory liquidity position and strong solvency status while demonstrating consistent improvement in profitability. The company’s technology-driven business model, effective debt management, and increasing customer adoption have contributed significantly to its financial growth. The study also reveals a positive relationship between liquidity, profitability, and solvency, indicating overall financial strength.

The study concludes that PB Fintech Ltd has achieved sustainable financial performance and possesses strong growth potential in the Indian FinTech sector. The results provide useful insights for investors, management, researchers, and other stakeholders in evaluating the company’s financial health.
Keywords
financial performance analysis fintech liquidity profitability solvency stakeholders
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Charan, M. S. (2026). An Empirical Study on Liquidity, Profitability and Solvency Position of PB Fintech Ltd with reference to Policy bazaar”. International Journal of Science, Strategic Management and Technology, 02(6). https://doi.org/10.55041/ijsmt.v2i6.183

Charan, M.. "An Empirical Study on Liquidity, Profitability and Solvency Position of PB Fintech Ltd with reference to Policy bazaar”." International Journal of Science, Strategic Management and Technology, vol. 02, no. 6, 2026, pp. . doi:https://doi.org/10.55041/ijsmt.v2i6.183.

Charan, M.. "An Empirical Study on Liquidity, Profitability and Solvency Position of PB Fintech Ltd with reference to Policy bazaar”." International Journal of Science, Strategic Management and Technology 02, no. 6 (2026). https://doi.org/https://doi.org/10.55041/ijsmt.v2i6.183.

References

  1. Agarwal, R., & Jain, S. (2023). Financial performance evaluation of digital financial platforms in India. International Journal of Financial Research, 14(2), 45–58.

  2. Chandra, P. (2020). Financial Management: Theory and Practice (10th ed.). McGraw Hill Education.

  3. Gupta, A., & Bansal, R. (2022). Financial sustainability and growth of Indian FinTech companies. Journal of Financial Services Research, 18(3), 112–126.

  4. Kumar, V., & Gupta, P. (2019). Impact of financial ratios on organizational performance. International Journal of Management Studies, 6(4), 78–89.

  5. Maheshwari, S. N. (2021). Management Accounting and Financial Control. Sultan Chand & Sons.

  6. Pandey, I. M. (2021). Financial Management (12th ed.). Vikas Publishing House.

  7. PB Fintech Ltd. (2021–2025). Annual Reports. PB Fintech Limited.

  8. Rao, K., & Mehta, D. (2022). Financial ratio analysis as a tool for evaluating corporate performance. International Journal of Commerce and Management Research, 8(1), 33–41.

  9. Sharma, R. (2020). Technological innovation and financial performance in FinTech companies. Journal of Digital Finance, 5(2), 67–80.

  10. Verma, S., & Singh, A. (2021). Capital structure and solvency performance in financial service organizations. Journal of Financial Management and Analysis, 14(1), 55–68.

Ethics and Compliance
✓ All ethical standards met
This article has undergone plagiarism screening and double-blind peer review. Editorial policies have been followed. Authors retain copyright under CC BY-NC 4.0 license. The research complies with ethical standards and institutional guidelines.
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