PB Fintech Limited (IN:POLICYBZR)
:POLICYBZR
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PB Fintech Limited
(POLICYBZR)
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Rating:66Neutral
Price Target:
₹1,965.00
▲(12.71% Upside)
Action:Reiterated
Date:05/08/26
The score is driven by improving financial performance (growth and profitability recovery with low leverage) and supportive near-term technical momentum. It is held back by inconsistent cash generation and a premium valuation (high P/E with no dividend yield provided).
Positive Factors
Top-line growth
Sustained revenue scaling from 2021 through 2026 with mid-to-high teens growth in the latest annual period indicates expanding reach and product traction. Durable demand for comparison/distribution supports medium-term revenue compounding and platform monetization opportunities.
Negative Factors
Cash-flow volatility
Irregular operating and free cash flow—positive in some years but meaningfully negative in 2022, 2023 and sharply in 2025—creates execution risk around funding growth and sustaining marketing/investment programs, making capital planning and margins less predictable.
Read all positive and negative factors
Positive Factors
Negative Factors
Top-line growth
Sustained revenue scaling from 2021 through 2026 with mid-to-high teens growth in the latest annual period indicates expanding reach and product traction. Durable demand for comparison/distribution supports medium-term revenue compounding and platform monetization opportunities.
Read all positive factors
PB Fintech Limited (POLICYBZR) vs. iShares MSCI India ETF (INDA)
Market Cap
₹841.94B
Dividend YieldN/A
Average Volume (3M)42.26K
Price to Earnings (P/E)63.2
Beta (1Y)1.03
Revenue Growth36.50%
EPS Growth87.64%
CountryIN
Employees14,318
SectorServices
Sector StrengthN/A
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)10.09
Shares Outstanding462,693,080
10 Day Avg. Volume68,518
30 Day Avg. Volume42,259
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)23.69
Revenue Forecast (FY)₹88.27B
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 primarily earns revenue by acting as a digital distributor/marketplace for financial products, especially insurance. Its core revenue stream is commissions and fees from insurance companies and other product providers when a customer pu...
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 | 57.61B | 67.94B | 49.77B | 34.38B | 25.58B | 14.25B |
| Gross Profit | 25.38B | 39.96B | 20.28B | 14.83B | 15.70B | 1.69B |
| EBITDA | 6.96B | 5.09B | 5.43B | 1.92B | -4.03B | -7.77B |
| Net Income | 4.62B | 6.70B | 3.53B | 669.80M | -4.87B | -8.33B |
Balance Sheet | ||||||
| Total Assets | 79.39B | 87.07B | 75.29B | 67.29B | 62.54B | 59.15B |
| Cash, Cash Equivalents and Short-Term Investments | 14.95B | 21.16B | 27.66B | 40.99B | 34.00B | 51.56B |
| Total Debt | 6.09B | 3.60B | 3.22B | 2.53B | 2.27B | 1.59B |
| Total Liabilities | 11.65B | 13.89B | 10.92B | 8.52B | 7.69B | 5.04B |
| Stockholders Equity | 67.69B | 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
Positive
1743.35
Price Trends
1571.38
Positive
1601.47
Positive
1699.68
Positive
Market Momentum
58.08
Negative
71.80
Negative
90.33
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 1693.97, above the 50-day MA of 1571.38, and above the 200-day MA of 1699.68, indicating a bullish trend. The MACD of 58.08 indicates Negative momentum. The RSI at 71.80 is Negative, neither overbought nor oversold. The STOCH value of 90.33 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹898.66B | 38.98 | ― | 0.69% | 12.68% | 9.94% | |
66 Neutral | ₹841.94B | 63.18 | ― | ― | 36.50% | 87.64% | |
62 Neutral | ₹286.27B | 49.37 | ― | ― | 8.39% | 27.09% | |
61 Neutral | ₹1.33T | 63.92 | ― | 0.28% | 3.27% | 5.50% | |
55 Neutral | $13.29B | 17.42 | 10.03% | 0.93% | 7.13% | -12.93% | |
53 Neutral | ₹739.74B | 29.58 | ― | 0.13% | -8.37% | 35.33% | |
45 Neutral | ₹15.20B | -19.55 | ― | ― | -3.15% | 57.10% |
* Services Sector Average
IN:POLICYBZR
PB Fintech Limited
1,791.80
5.15
0.29%
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PB Fintech Limited Corporate Events
PB Fintech to Join Citi 2026 Pan-Asia Conference in Singapore
May 7, 2026
PB Fintech Limited has notified the stock exchanges that its management will participate in Citi’s 2026 Pan-Asia Conference, to be held physically in Singapore on May 19-20, 2026, starting at 9:00 a.m. Singapore time. The company emphasized ...
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...
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.