PB Fintech Limited (IN:POLICYBZR)
:POLICYBZR
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PB Fintech Limited
(POLICYBZR)
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Rating:55Neutral
Price Target:
₹1,588.00
▼(-8.91% Downside)
Action:ReiteratedDate:10/28/25
PB Fintech Limited's strong financial performance, characterized by robust revenue growth and a solid balance sheet, is a key strength. However, technical indicators suggest bearish momentum, and the high P/E ratio indicates potential overvaluation. The lack of dividend yield further detracts from the stock's appeal. The absence of earnings call insights and corporate events means these factors do not influence the score.
Positive Factors
Sustained Revenue Growth
Multi-year top-line growth reflects strong product-market fit for its insurance and credit marketplaces, expanding customer reach and cross-sell potential. Such scale supports long-term revenue durability, bargaining power with partners, and the opportunity for operating leverage as fixed costs are spread across higher volumes.
Negative Factors
Negative Free Cash Flow
Despite revenue growth and improving accounting profitability, negative free cash flow signals weak cash conversion. Reliance on cash reserves to fund operations is not durable indefinitely; persistent negative FCF could constrain reinvestment or require financing, raising long-term funding and execution risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Multi-year top-line growth reflects strong product-market fit for its insurance and credit marketplaces, expanding customer reach and cross-sell potential. Such scale supports long-term revenue durability, bargaining power with partners, and the opportunity for operating leverage as fixed costs are spread across higher volumes.
Read all positive factors
PB Fintech Limited (POLICYBZR) vs. iShares MSCI India ETF (INDA)
Market Cap
₹771.17B
Dividend YieldN/A
Average Volume (3M)42.26K
Price to Earnings (P/E)111.0
Beta (1Y)1.14
Revenue Growth36.89%
EPS Growth135.38%
CountryIN
Employees14,318
SectorServices
Sector StrengthN/A
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)4.10
Shares Outstanding462,693,080
10 Day Avg. Volume68,518
30 Day Avg. Volume42,259
Financial Highlights & Ratios
PEG Ratio0.47
Price to Book (P/B)10.87
Price to Sales (P/S)14.04
P/FCF Ratio-249.38
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹1,750.00Price Target Upside0.38% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)23.38
Revenue Forecast (FY)₹87.61B
PB Fintech Limited Business Overview & Revenue Model
Company Description
PB Fintech Limited operates an online platform for insurance and lending products in India. It operates in two segments, Insurance Web Aggregator Services and Other Services. The company offers Policybazaar, an online platform to buy and sell insu...
How the Company Makes Money
PB Fintech makes money mainly by facilitating the sale and servicing of financial products—especially insurance—through its platforms and earning consideration from product providers. Its key revenue streams typically include: (1) Insurance distri...
PB Fintech Limited Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
72
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 57.61B | 49.77B | 34.38B | 25.58B | 14.25B | 8.87B |
| Gross Profit | 25.38B | 20.28B | 14.83B | 15.70B | 1.69B | 4.67B |
| EBITDA | 6.96B | 5.43B | 1.92B | -4.03B | -7.77B | -890.12M |
| Net Income | 4.62B | 3.53B | 669.80M | -4.87B | -8.33B | -1.50B |
Balance Sheet | ||||||
| Total Assets | 79.39B | 75.29B | 67.29B | 62.54B | 59.15B | 23.31B |
| Cash, Cash Equivalents and Short-Term Investments | 14.95B | 27.66B | 40.99B | 34.00B | 51.56B | 19.47B |
| Total Debt | 6.09B | 3.22B | 2.53B | 2.27B | 1.59B | 1.09B |
| Total Liabilities | 11.65B | 10.92B | 8.52B | 7.69B | 5.04B | 3.39B |
| Stockholders Equity | 67.69B | 64.32B | 58.71B | 54.76B | 54.12B | 19.92B |
Cash Flow | ||||||
| Free Cash Flow | -1.38B | -2.80B | 1.14B | -3.65B | -16.01B | 228.84M |
| Operating Cash Flow | -1.11B | -1.83B | 1.77B | -2.99B | -15.68B | 287.06M |
| Investing Cash Flow | -1.70B | 4.58B | 1.06B | 414.50M | -21.27B | -12.02B |
| Financing Cash Flow | -417.30M | -726.90M | -308.40M | -425.05M | 36.21B | 7.59B |
PB Fintech Limited Technical Analysis
Positive
1743.35
Price Trends
1488.73
Positive
1640.97
Negative
1715.02
Negative
Market Momentum
9.75
Negative
63.81
Neutral
82.18
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:POLICYBZR, the sentiment is Positive. The current price of 1743.35 is above the 20-day moving average (MA) of 1482.89, above the 50-day MA of 1488.73, and above the 200-day MA of 1715.02, indicating a neutral trend. The MACD of 9.75 indicates Negative momentum. The RSI at 63.81 is Neutral, neither overbought nor oversold. The STOCH value of 82.18 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | ₹187.25B | 18.08 | ― | 2.09% | 7.12% | -13.78% | |
73 Outperform | ₹126.72B | 25.12 | ― | 1.33% | 13.01% | -13.87% | |
72 Outperform | ₹262.21B | 16.68 | ― | 0.22% | 12.21% | 51.31% | |
68 Neutral | ₹313.56B | 29.48 | ― | 1.38% | 16.74% | 18.86% | |
57 Neutral | ₹349.75B | 190.78 | ― | ― | 11.73% | 629.04% | |
55 Neutral | $13.29B | 17.42 | 10.03% | 0.93% | 7.13% | -12.93% | |
55 Neutral | ₹771.17B | 111.05 | ― | ― | 36.89% | 135.38% |
* Services Sector Average
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PB Fintech Limited
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PB Fintech Limited Corporate Events
PB Fintech Elevates Sajja Praveen Chowdary as CEO of Policybazaar Insurance Brokers
Apr 7, 2026
PB Fintech Limited has announced a leadership change at its wholly owned subsidiary Policybazaar Insurance Brokers, with the Insurance Regulatory and Development Authority of India approving the appointment of Sajja Praveen Chowdary as Principal O...
PB Fintech Uploads Audio Recording of Q3 FY26 Earnings Call
Feb 2, 2026
PB Fintech Limited has notified the stock exchanges that the audio recording of its earnings conference call held on 2 February 2026 has been uploaded to the company’s website. By making the recording publicly accessible, the company is rein...
PB Fintech Reports No Deviation in IPO Proceeds Usage for Q3 FY26
Feb 2, 2026
PB Fintech Limited has disclosed that ICICI Bank, acting as the monitoring agency for its initial public offer proceeds, has confirmed there is no deviation in the use of IPO funds from the stated objects for the quarter ended December 31, 2025. T...
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.