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PB Fintech Limited
(POLICYBZR)
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Rating:63Neutral
Price Target:
₹1,949.00
▲(26.68% Upside)
Action:Reiterated
Date:08/09/26
The score is primarily supported by strong financial progress (revenue growth and a shift to positive net income) and a low-leverage balance sheet. Offsetting this are meaningful cash-flow volatility and a very high P/E valuation, while technical indicators are neutral-to-mildly positive rather than strongly bullish.
Positive Factors
Revenue Scaling
Sustained revenue expansion indicates that Policybazaar and Paisabazaar are increasing transaction activity and market reach. Continued top-line growth can support operating leverage, broaden the customer and partner base, and provide a durable foundation for further profitability as the platforms scale.
Negative Factors
Cash-Flow Volatility
Repeated swings between positive and negative operating and free cash flow show that reported growth has not yet translated into consistently dependable cash generation. Volatility can constrain reinvestment, weaken planning visibility, and raise execution risk during periods of continued expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Scaling
Sustained revenue expansion indicates that Policybazaar and Paisabazaar are increasing transaction activity and market reach. Continued top-line growth can support operating leverage, broaden the customer and partner base, and provide a durable foundation for further profitability as the platforms scale.
Read all positive factors
PB Fintech Limited (POLICYBZR) vs. iShares MSCI India ETF (INDA)
Market Cap
₹805.09B
Dividend YieldN/A
Average Volume (3M)151.05K
Price to Earnings (P/E)107.4
Beta (1Y)1.04
Revenue Growth38.00%
EPS Growth96.70%
CountryIN
Employees28,014
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)16.23
Shares Outstanding462,694,900
10 Day Avg. Volume147,610
30 Day Avg. Volume151,053
Financial Highlights & Ratios
PEG Ratio1.12
Price to Book (P/B)8.97
Price to Sales (P/S)9.66
P/FCF Ratio314.42
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)23.58
Revenue Forecast (FY)₹89.51B
PB Fintech Limited Business Overview & Revenue Model
Company Description
PB Fintech Limited, an Indian enterprise, provides a comprehensive digital platform facilitating access to various insurance and credit solutions. The company's operations are distinctly segmented into Insurance Web Aggregator Services and a broad...
How the Company Makes Money
PB Fintech Limited primarily makes money by acting as a distributor/marketplace that connects consumers with insurers (and, via Paisabazaar, certain credit-product providers) and earning fees tied to successful transactions and servicing. Key reve...
PB Fintech Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 73.34B | 67.94B | 49.77B | 34.38B | 25.58B | 14.25B |
| Gross Profit | 44.56B | 39.96B | 20.28B | 14.83B | 15.70B | 1.69B |
| EBITDA | 7.77B | 5.09B | 5.43B | 1.92B | -4.03B | -7.77B |
| Net Income | 7.48B | 6.70B | 3.53B | 669.80M | -4.87B | -8.33B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 87.07B | 75.29B | 67.29B | 62.54B | 59.15B |
| Cash, Cash Equivalents and Short-Term Investments | 25.52B | 21.16B | 27.66B | 40.99B | 34.00B | 51.56B |
| Total Debt | 0.00 | 3.60B | 3.22B | 2.53B | 2.27B | 1.59B |
| Total Liabilities | -73.18B | 13.89B | 10.92B | 8.52B | 7.69B | 5.04B |
| Stockholders Equity | 73.18B | 73.12B | 64.32B | 58.71B | 54.76B | 54.12B |
Cash Flow | ||||||
| Free Cash Flow | -1.38B | 2.09B | -2.80B | 1.14B | -3.65B | -16.01B |
| Operating Cash Flow | -1.11B | 2.89B | -1.83B | 1.77B | -2.99B | -15.68B |
| Investing Cash Flow | -1.70B | -701.10M | 4.58B | 1.06B | 414.50M | -21.27B |
| Financing Cash Flow | -417.30M | -444.30M | -726.90M | -308.40M | -425.05M | 36.21B |
PB Fintech Limited Technical Analysis
Neutral
1538.55
Price Trends
1700.33
Positive
1674.03
Positive
1652.75
Positive
Market Momentum
15.79
Positive
45.94
Neutral
44.85
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:POLICYBZR, the sentiment is Neutral. The current price of 1538.55 is below the 20-day moving average (MA) of 1807.40, below the 50-day MA of 1700.33, and below the 200-day MA of 1652.75, indicating a neutral trend. The MACD of 15.79 indicates Positive momentum. The RSI at 45.94 is Neutral, neither overbought nor oversold. The STOCH value of 44.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:POLICYBZR.
PB Fintech Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₹743.41B | 29.89 | ― | 0.91% | 11.82% | -9.68% | |
64 Neutral | ₹221.20B | 44.84 | ― | ― | 8.56% | 6.40% | |
63 Neutral | ₹805.09B | 107.39 | ― | ― | 38.00% | 96.70% | |
58 Neutral | ₹1.20T | 60.15 | ― | 0.72% | 5.03% | 4.87% | |
57 Neutral | ₹716.61B | 42.02 | ― | 0.33% | -8.37% | 35.27% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
47 Neutral | ₹16.72B | -131.16 | ― | ― | 2.97% | 92.95% |
* General Sector Average
IN:POLICYBZR
PB Fintech Limited
1,798.00
0.25
0.01%
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PB Fintech Limited Corporate Events
PB Fintech moves to fully acquire MyLoancare and boosts funding for key subsidiaries
Sep 16, 2026
PB Fintech’s MA and Investment Committee has given in-principle approval to acquire the remaining 20 percent stake in its subsidiary MyLoancare Ventures, aiming to convert it into a wholly owned unit. The move is intended to consolidate owne...
PB Fintech Allots ESOP Shares, Marginally Increases Share Capital
Sep 9, 2026
PB Fintech has issued 57,885 new equity shares with a face value of Rs. 2 each to eligible employees following the exercise of vested options under its 2021 employee stock option plan. The allotment was approved by the company’s Nomination a...
PB Fintech Publishes AGM and E-Voting Details for Shareholders
Sep 6, 2026
PB Fintech Limited has announced that it has dispatched the notice of its 18th Annual General Meeting along with the Annual Report for the financial year 2025-26, and has published related details on e-voting and other shareholder information in n...
PB Fintech Publishes June-Quarter Results Notice in Leading Dailies
Aug 7, 2026
PB Fintech Limited has notified the exchanges that its board-approved financial results for the quarter ended 30 June 2026 have been published in leading newspapers, fulfilling regulatory disclosure requirements. The results notice appeared in the...
PB Fintech Uploads Audio Recording of Q1 FY27 Earnings Call
Aug 5, 2026
PB Fintech Limited has notified the National Stock Exchange of India and BSE that the audio recording of its earnings conference call held on August 05, 2026 has been made available on the company’s website. The disclosure, made under SEBI&#...
PB Fintech’s Independent Directors Step Down After First Term
Jun 19, 2026
PB Fintech Limited has announced changes to its board, with independent directors Kaushik Dutta and Lilian Jessie Paul completing their first terms and stepping down effective close of business on 18 June 2026. Both cited professional and personal...
PB Fintech’s Independent Directors Step Down as First Terms End
Jun 19, 2026
PB Fintech Limited has announced that independent directors Kaushik Dutta and Lilian Jessie Paul have completed their first terms on the board and, citing professional and personal commitments, have chosen not to seek reappointment, leading to the...
PB Fintech Independent Directors Step Down as First Terms End
Jun 19, 2026
PB Fintech Limited has announced changes to its board, with independent directors Kaushik Dutta and Lilian Jessie Paul completing their first terms and stepping down from the board effective at the close of business on June 18, 2026. Their decisio...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.