Perfios is a Fintech Unicorn based in Bengaluru, Karnataka
Financial Services
Founded in 2007 and headquartered in Bengaluru, Perfios is a SaaS product. The company offers data and insights services for consumer lending, wealth management, insurance and specialized services wit...
Perfios Financial Highlights
Financial highlights of Perfios and a snapshot of its key metrics.
Total Revenue
79%
Prev FY
₹133.8 Cr
Total Expenses
39%
Prev FY
₹149.4 Cr
Profit After Tax
52%
Prev FY
₹-15.7 Cr
Total Assets
410%
Prev FY
₹751.2 Cr
Net Profit Margin
67%
Prev FY
-0.1%
Note: Above mentioned stats are for FY 2021-2022
Perfios Profit and loss Highlights
Profit and loss highlights of Perfios and a snapshot of its key metrics.
Total Revenue
79%
Prev FY
₹133.8 Cr
Total Expenses
39%
Prev FY
₹149.4 Cr
Profit Before Tax
52%
Prev FY
₹-15.7 Cr
Profit After Tax
52%
Prev FY
₹-15.7 Cr
Note: Above mentioned stats are for FY 2021-2022
Over Years
Perfios Profit & loss statement
Financial Year
Trend
2020
2021
2022
Revenue from Operations (₹)
0.0
72.5 Cr
130.7 Cr
Other Income (₹)
0.0
2.0 Cr
3.1 Cr
Total Revenue (₹)
0.0
74.5 Cr
133.8 Cr
EXPENSES
Cost of Materials Consumed (₹)
0.0
0.0
0.0
Purchases of Stock in Trade (₹)
0.0
0.0
0.0
Changes in Inventory (₹)
0.0
0.0
0.0
Employee Benefit Expenses (₹)
0.0
59.0 Cr
92.7 Cr
Finance Costs (₹)
0.0
0.0
76.0 Lakh
Depreciation and Amortization (₹)
0.0
3.8 Cr
4.3 Cr
Other Expenses (₹)
0.0
44.7 Cr
51.7 Cr
Total Expenses (₹)
0.0
107.4 Cr
149.4 Cr
Total Revenue Less Total Expenses (₹)
0.0
-32.9 Cr
-15.7 Cr
Prior Period and Exceptional Items (₹)
0.0
0.0
0.0
Profit Before Tax (₹)
0.0
-32.9 Cr
-15.7 Cr
TAX EXPENSES
Current Tax Expense (₹)
0.0
0.0
0.0
Deferred Tax Expense (₹)
0.0
21.0 Lakh
0.0
Total Tax Expense (₹)
0.0
21.0 Lakh
0.0
Net Movement in Regulatory Deferral Account Balances (₹)
0.0
0.0
0.0
Profit from Continuing Operations (₹)
0.0
-33.1 Cr
-15.7 Cr
Profit from Discontinuing Operations After Tax (₹)
0.0
0.0
0.0
Net Profit/Loss After Tax (₹)
0.0
-33.1 Cr
-15.7 Cr
Other Comprehensive Income (₹)
0.0
0.0
0.0
Total Comprehensive Income (₹)
0.0
0.0
0.0
Profit Before Extraordinary Items (₹)
0.0
-32.9 Cr
-15.7 Cr
Extraordinary Items (₹)
0.0
0.0
0.0
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Perfios generated a total revenue of ₹149.4 Cr and incurred expenses of ₹149.4 Cr, resulting in a profit before tax of ₹-15.7 Cr for FY 2021-2022. After a total tax expense of ₹0.0, the profit after tax stood at ₹-15.7 Cr.
Perfios Balance Sheet Highlights
Balance Sheet highlights of Perfios and a snapshot of its key metrics.
Equity Share Capital
3240%
Prev FY
₹63.8 Cr
Non Current Liability
-28%
Prev FY
₹2.0 Cr
Current Liability
178%
Prev FY
₹56.0 Cr
Total Liability
153%
Prev FY
₹58.0 Cr
Non Current Assets
4158%
Prev FY
₹626.8 Cr
Current Assets
-7%
Prev FY
₹124.4 Cr
Note: Above mentioned stats are for FY 2021-2022
Perfios Balance Sheet Table
Financial Year
Trend
2020
2021
2022
EQUITY & LIABILITIES
Equity Share Capital (₹)
0.0
1.9 Cr
63.8 Cr
Reserves & Surplus (₹)
0.0
122.4 Cr
629.4 Cr
Money Received Against Share Warrants (₹)
0.0
0.0
0.0
Money Pending Allotment (₹)
0.0
0.0
0.0
Other Equity (₹)
0.0
0.0
0.0
NON-CURRENT LIABILITIES
FINANCIAL LIABILITIES
Borrowings (₹)
0.0
0.0
0.0
Trade Payables (₹)
0.0
0.0
0.0
Other Financial Liabilities (₹)
0.0
0.0
0.0
Provisions (₹)
0.0
2.4 Cr
1.5 Cr
Deferred Tax Liabilities (Net) (₹)
0.0
0.0
0.0
Other Liabilities (₹)
0.0
37.0 Lakh
48.0 Lakh
Total Non-current Liabilities (₹)
0.0
2.8 Cr
2.0 Cr
CURRENT LIABILITIES
FINANCIAL LIABILITIES
Borrowings (₹)
0.0
0.0
35.0 Cr
Trade Payables (₹)
0.0
9.0 Cr
2.7 Cr
Other Financial Liabilities (₹)
0.0
0.0
0.0
Provisions (₹)
0.0
16.0 Lakh
1.4 Cr
Current Tax Liabilities (Net) (₹)
0.0
0.0
0.0
Other Liabilities (₹)
0.0
11.0 Cr
16.9 Cr
Total Current Liabilities (₹)
0.0
20.1 Cr
56.0 Cr
Liabilities Associated with Assets in Disposal Group (₹)
0.0
0.0
0.0
Regulatory Deferral Account Credit Balances (₹)
0.0
0.0
0.0
Total Equity and Liabilities (₹)
0.0
147.2 Cr
751.2 Cr
ASSETS
NON-CURRENT ASSETS
Property Plant and Equipment (₹)
0.0
0.0
0.0
Capital Work in Progress (₹)
0.0
0.0
0.0
Investment Property (₹)
0.0
0.0
0.0
Goodwill (₹)
0.0
0.0
0.0
Intangible Assets (₹)
0.0
3.4 Cr
2.0 Cr
Intangible Assets under Development (₹)
0.0
0.0
0.0
FINANCIAL ASSETS
Investments (₹)
0.0
3.9 Cr
606.0 Cr
Trade Receivables (₹)
0.0
0.0
0.0
Loans (₹)
0.0
2.6 Cr
5.2 Cr
Other Financial Assets (₹)
0.0
67.0 Lakh
8.4 Cr
Deferred Tax Assets (Net) (₹)
0.0
0.0
0.0
Other Assets (₹)
0.0
0.0
0.0
Tangible Assets (₹)
0.0
4.2 Cr
5.0 Cr
Total Non-current Assets (₹)
0.0
14.7 Cr
626.8 Cr
CURRENT ASSETS
Inventories (₹)
0.0
0.0
0.0
FINANCIAL ASSETS
Investments (₹)
0.0
56.8 Cr
13.8 Cr
Trade Receivables (₹)
0.0
20.2 Cr
40.4 Cr
Cash and Cash Equivalents (₹)
0.0
41.6 Cr
47.6 Cr
Other Bank Balances with Banks (₹)
0.0
0.0
0.0
Loans (₹)
0.0
13.6 Cr
17.4 Cr
Other Financial Assets (₹)
0.0
0.0
0.0
Current Tax Assets (₹)
0.0
0.0
0.0
Other Assets (₹)
0.0
31.0 Lakh
5.2 Cr
Total Current Assets (₹)
0.0
132.5 Cr
124.4 Cr
NON-CURRENT ASSETS HELD FOR SALE (₹)
0.0
0.0
0.0
REGULATORY DEFERRAL ACCOUNT DEBIT BALANCES (₹)
0.0
0.0
0.0
TOTAL ASSETS (₹)
0.0
147.2 Cr
751.2 Cr
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As of FY 2021-2022, Perfios has an equity share capital of ₹63.8 Cr, total assets amounting to ₹751.2 Cr, and total liabilities of ₹58.0 Cr.
Perfios Cash Flow Highlights
Cash Flow highlights of Perfios and a snapshot of its key metrics.
Cash Balance (Beginning of year)
901%
Prev FY
₹47.5 Cr
Cash Flow (Operating Activities)
58%
Prev FY
₹-21.9 Cr
Cash Used (Investing Activities)
94%
Prev FY
₹-28.3 Cr
Cash Used (Financing Activities)
-98%
Prev FY
₹15.1 Cr
Note: Above mentioned stats are for FY 2022-2023
Perfios Cash Flow Table
Financial Year
Trend
2021
2022
2023
CASH AND EQUIVALENTS AT THE BEGINNING
Cash flows from / used in investing activities (₹)
45.4 Cr
-559.3 Cr
-28.3 Cr
Cash flows from / used in financing activities (₹)
12.0 Lakh
617.9 Cr
15.1 Cr
Adjustments for exchange rate changes (₹)
0.0
0.0
0.0
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For FY 2022-2023, Perfios maintained a cash balance of ₹47.5 Cr, with cash flows from operations at ₹-21.9 Cr, investing activities at ₹-28.3 Cr, and financing activities at ₹15.1 Cr.
Perfios Financial Ratio Highlights
Financial Ratio highlights of Perfios and a snapshot of its key metrics.
Earning Per Share
-15%
Prev FY
₹-0.0
Net Profit Margin
38%
Prev FY
-0.1%
Return on Assets
-72%
Prev FY
₹-2.2
Debt/Equity
31%
Prev FY
0.2
Current Ratio
-35%
Prev FY
1.4
Note: Above mentioned stats are for FY 2022-2023
Perfios Financial Ratios Table
Financial Year
Trend
2021
2022
2023
Total Debt/Equity Ratio (X)
0.1
0.2
0.2
Total Debt/Total Assets Ratio (X)
0.1
0.2
0.2
Total Assets/Equity Ratio (X)
1.2
1.2
1.3
Net Debt/Equity Ratio (X)
0.0
0.1
0.2
Quick Ratio (X)
5.9
1.7
1.0
Current Ratio (X)
6.6
2.1
1.4
Interest Coverage Ratio (X)
0.0
-8.7
-0.8
Gross Margin (%)
1.0
1.0
1.0
Net Margin (%)
-0.4
-0.1
-0.1
EBITDA Margin (%)
-0.4
-0.1
-0.0
Return on Fixed Assets (₹)
-4.4
-1.3
-2.2
Return on Equity (X)
-0.3
-0.0
-0.0
Return on Capital Employed (X)
-0.3
-0.2
-0.2
Fixed Asset Turnover (₹)
9.7
8.7
24.4
Days Receivables Outstanding
101.0
112.0
111.0
Days Payables Outstanding
0.0
0.0
0.0
Days of Inventory
0.0
0.0
0.0
Enterprise Value (₹)
0.0
0.0
0.0
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In FY 2022-2023, Perfios achieved a net profit margin of -0.09, earnings per share of ₹-0.03, a debt/equity ratio of 0.25, and a current ratio of 1.39.
FAQs on Perfios
What were Perfios's total revenue and profit for the latest financial year?
For FY 2021-2022, Perfios reported a total revenue of ₹133.8 Cr and a profit after tax of ₹-15.7 Cr, showcasing its financial performance and profitability.
How does the balance sheet of Perfios reflect its financial stability?
As of FY 2021-2022, Perfios has total assets of ₹751.2 Cr, total liabilities of ₹58.0 Cr, and equity share capital of ₹63.8 Cr, indicating its financial health and stability.
What insights can be gained from Perfios's cash flow management?
In FY 2021-2022, Perfios maintained a cash balance of ₹-5.9 Cr, with cashflows from operations at ₹-52.7 Cr, investing activities at ₹-559.3 Cr, and financing activities at ₹617.9 Cr, reflecting its cash management strategies.
What do the key financial ratios of Perfios indicate?
For FY 2021-2022,Perfios achieved a net profit margin of -0.14%, earning per share of ₹-0.0, and a debt/equity ratio of 0.2, and a current ratio of 2.1, offering insights into its profitability, leverage, and liquidity.
How has Perfios's financial performance evolved compared to previous year?
Compared to the previous year, Perfios experienced a 79.44% increase in total revenue and a 52.69% increase in profit after tax, highlighting its growth and change in profitability.
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