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Pb Fintech Ltd
Fundamental Score
Pb Fintech Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of POLICYBZR across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Robust Profit Growth (166.15%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Revenue Growth (38.24%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (45.20% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Strong Profit Growth Track Record (23.21% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Conservative Debt Levels (D/E: 0.05)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Strong Interest Coverage (14.46x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk and strong debt servicing capability.
Strong Institutional Confidence (FII+DII: 70.27%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
9 factors identified
Below-Average Return on Equity (5.13%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (5.90%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Margin Pressure Concerns (-13.67%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges. Monitor for operational improvements.
Premium Valuation Risk (P/E: 186.54x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations. Consider entry timing carefully.
Negative Free Cash Flow (₹-2272.05 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
Low Promoter Commitment (0.00%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Very High P/E Ratio
Observation: Significant overvaluation risk present.
Analysis: Extremely high P/E ratios indicate potential bubble territory and high downside risk.
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Financial Statements
Comprehensive financial data for Pb Fintech Ltd
About POLICYBZR
Business Overview
PB Fintech Limited operates an online marketplace for insurance and lending products in India and the United Arab Emirates. It operates through two segments, Insurance Services and Other Services. The company offers Policybazaar that enables consumers to compare, evaluate, and apply for insurance products, such as term, life, health, car, 2 wheeler, family health, travel, and home insurance products, as well as investment, guaranteed return, child savings, and retirement plans. It also provides Paisabazaar, which facilitates access to lending and personal credit products. In addition, the company offers online healthcare related services; insurance broking services; support services for motor vehicle claims and related assistance; account aggregation services; online marketing and sales consulting services; and information technology and related services. Further, the company engages in the operation of call center; online comparison, sale, and online, offline, and direct marketing of financial products; and payment aggregator, payment gateway services, payment facilitation activities by offline and a digital payment acceptance. PB Fintech Limited was incorporated in 2008 and is based in Gurugram, India.
Company Details
Key Leadership
Corporate Events
POLICYBZR Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Pb Fintech Ltd (POLICYBZR)?
As of 16 Jan 2026, 10:12 am IST, Pb Fintech Ltd (POLICYBZR) is currently trading at ₹1620.00. The stock has a market capitalization of ₹86.11K (Cr).
Is POLICYBZR share price Overvalued or Undervalued?
POLICYBZR is currently trading at a P/E ratio of 186.54x, compared to the industry average of 36.33x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Pb Fintech Ltd share price?
Key factors influencing POLICYBZR's price include its quarterly earnings growth (Sales Growth: 38.24%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Pb Fintech Ltd a good stock for long-term investment?
Pb Fintech Ltd shows a 5-year Profit Growth of 23.21% and an ROE of 5.13%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.05 before investing.
How does Pb Fintech Ltd compare with its industry peers?
Pb Fintech Ltd competes with major peers in the Financial Technology (Fintech). Investors should compare POLICYBZR's P/E of 186.54x and ROE of 5.13% against the industry averages to determine its competitive standing.
What is the P/E ratio of POLICYBZR and what does it mean?
POLICYBZR has a P/E ratio of 186.54x compared to the industry average of 36.33x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹187 for every ₹1 of annual earnings.
How is POLICYBZR performing according to Bull Run's analysis?
POLICYBZR has a Bull Run fundamental score of 47.8/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does POLICYBZR belong to?
POLICYBZR operates in the Financial Technology (Fintech) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Pb Fintech Ltd.
What is Return on Equity (ROE) and why is it important for POLICYBZR?
POLICYBZR has an ROE of 5.13%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Pb Fintech Ltd generates profits from shareholders' equity.
How is POLICYBZR's debt-to-equity ratio and what does it indicate?
POLICYBZR has a debt-to-equity ratio of 0.05, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is POLICYBZR's dividend yield and is it a good dividend stock?
POLICYBZR offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has POLICYBZR grown over the past 5 years?
POLICYBZR has achieved 5-year growth rates of: Sales Growth 45.20%, Profit Growth 23.21%, and EPS Growth 14.87%.
What is the promoter holding in POLICYBZR and why does it matter?
Promoters hold 0.00% of POLICYBZR shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is POLICYBZR's market capitalization category?
POLICYBZR has a market capitalization of ₹86109 crores, placing it in the Large-cap category.
How volatile is POLICYBZR stock?
POLICYBZR has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for POLICYBZR?
POLICYBZR has a 52-week high of ₹N/A and low of ₹N/A.
What is POLICYBZR's operating profit margin trend?
POLICYBZR has a 5-year average Operating Profit Margin (OPM) of -13.67%, indicating the company's operational efficiency.
How is POLICYBZR's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 38.24% and YoY Profit Growth of 166.15%.
What is the institutional holding pattern in POLICYBZR?
POLICYBZR has FII holding of 43.64% and DII holding of 26.63%. Significant institutional holding often suggests professional confidence in the stock.