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PB Fintech Limited
(POLICYBZR)
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Rating:57Neutral
Price Target:
₹1,122.00
▼(-27.07% Downside)
Action:Reiterated
Date:09/30/26
The score is held up by improving fundamentals and a low-leverage balance sheet, but is weighed down by highly volatile cash generation. Technicals are the largest near-term negative factor, with the stock in a pronounced downtrend and bearish momentum despite oversold readings. Valuation also limits the score due to a high P/E.
Positive Factors
Revenue and Profitability Recovery
The combination of sustained revenue expansion and a clear shift from losses to rising net income indicates meaningful operating progress. If this trajectory persists, PB Fintech can strengthen reinvestment capacity, improve resilience, and build a more durable earnings base over the next several quarters.
Negative Factors
Volatile Cash Conversion
Large swings in operating and free cash flow show that accounting profitability has not yet translated consistently into cash generation. This volatility can constrain internally funded growth, complicate capital planning, and increase execution risk during periods of continued expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Profitability Recovery
The combination of sustained revenue expansion and a clear shift from losses to rising net income indicates meaningful operating progress. If this trajectory persists, PB Fintech can strengthen reinvestment capacity, improve resilience, and build a more durable earnings base over the next several quarters.
Read all positive factors
PB Fintech Limited (POLICYBZR) vs. iShares MSCI India ETF (INDA)
Market Cap
₹501.67B
Dividend YieldN/A
Average Volume (3M)253.96K
Price to Earnings (P/E)65.6
Beta (1Y)1.12
Revenue Growth38.00%
EPS Growth96.70%
CountryIN
Employees28,014
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)16.23
Shares Outstanding462,752,750
10 Day Avg. Volume490,288
30 Day Avg. Volume253,959
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 Target
₹1,150.00Price Target Upside-25.25% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)23.73
Revenue Forecast (FY)₹89.70B
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
Negative
1538.55
Price Trends
1670.78
Negative
1651.70
Negative
1634.26
Negative
Market Momentum
-155.70
Positive
20.83
Positive
2.83
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:POLICYBZR, the sentiment is Negative. The current price of 1538.55 is below the 20-day moving average (MA) of 1639.38, below the 50-day MA of 1670.78, and below the 200-day MA of 1634.26, indicating a bearish trend. The MACD of -155.70 indicates Positive momentum. The RSI at 20.83 is Positive, neither overbought nor oversold. The STOCH value of 2.83 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | ₹756.52B | 32.59 | ― | 0.85% | 11.82% | -9.68% | |
64 Neutral | ₹234.76B | 48.79 | ― | ― | 8.56% | 6.40% | |
58 Neutral | ₹1.14T | 56.90 | ― | 0.77% | 5.03% | 4.87% | |
57 Neutral | ₹501.67B | 65.55 | ― | ― | 38.00% | 96.70% | |
57 Neutral | ₹648.55B | 37.90 | ― | 0.37% | -8.37% | 35.27% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
47 Neutral | ₹15.35B | -121.19 | ― | ― | 2.97% | 92.95% |
* General Sector Average
IN:POLICYBZR
PB Fintech Limited
1,064.90
-610.05
-36.42%
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IN:ICICIPRULI
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443.10
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-25.45%
IN:MOBIKWIK
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PB Fintech Limited Corporate Events
PB Fintech Clarifies Share Price Volatility and Flags Draft IRDAI Changes
Sep 27, 2026
PB Fintech Limited has responded to stock exchanges after significant price and volume movements in its shares, stating that the fluctuations are purely market-driven and influenced by broader market dynamics and sector news. The company affirmed ...
PB Fintech Schedules Urgent Virtual Analyst Call
Sep 24, 2026
PB Fintech Limited has announced that its management will participate in a sell-side analyst call scheduled for September 24, 2026, to be held virtually from 3:30 p.m. IST onward. The company noted that the call has been arranged on shorter notice...
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&#...
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.