Pb Fintech Ltd Stock Price Today (NSE: POLICYBZR)
Fundamental Score
Pb Fintech Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Pb Fintech Ltd share price today is ₹1502.00, up +0.00% on NSE/BSE as of 18 February 2026. Pb Fintech Ltd (POLICYBZR) is a Large-cap company in the Financial Technology (Fintech) sector with a market capitalisation of ₹86.11K (Cr). The 52-week high for POLICYBZR share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 186.54x, POLICYBZR is currently trading above its industry average P/E of 36.33x. The company has a Return on Equity (ROE) of 5.13% and a debt-to-equity ratio of 0.05.
Pb Fintech Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Pb Fintech Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Pb Fintech Share Price Analysis: A Growth Strategist's Perspective
The Fintech sector is currently experiencing a phase of hyper-personalization, where companies offering tailored financial solutions are gaining significant traction. This analysis examines the Pb Fintech share price, currently at ₹1504.900024, through a financial lens, specifically focusing on its valuation and competitive positioning within the insurance aggregation space. A key metric for assessing Pb Fintech is its Price-to-Earnings (PE) ratio, which stands at a high 186.54, suggesting that investors have significant expectations for future earnings growth.
Compared to its peers, Pb Fintech's valuation appears rich. Considering
Infibeam Avenues Ltd, differences in management quality could be contributing to variations in investor sentiment and, consequently, valuations. A deep dive into leadership track records and strategic execution between Pb Fintech and its peers is crucial for understanding these disparities. Pb Fintech needs to strategically improve the quality of its operational output to justify the premium it enjoys.Furthermore, the Return on Capital Employed (ROCE) of 5.9% is a critical factor. A lower ROCE compared to the industry average signals that the company might not be efficiently utilizing its capital to generate profits. In effect, the 5.9% ROCE could weaken the company's economic moat, making it more vulnerable to competition. A higher ROCE typically indicates a stronger competitive advantage and greater ability to reinvest profits for future growth. The company has to be more innovative to grow its dominance in the financial sector.
It's important to note that this financial analysis is part of a more comprehensive 80-parameter fundamental audit, verified by Sweta Mishra. This analysis aims to provide an objective assessment of Pb Fintech's current financial standing based on publicly available data and should not be construed as investment advice. This analysis is for informational purposes only and avoids any buy or sell recommendations. The points discussed are observational and aimed at facilitating a deeper understanding of the company's financial performance.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Pb Fintech Ltd Fundamental Analysis & Valuation Benchmarking
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.
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.
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.
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.
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.
Strong Interest Coverage (14.46x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk.
Strong Institutional Confidence (FII+DII: 70.27%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 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.
Margin Pressure Concerns (-13.67%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges.
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.
Negative Free Cash Flow (₹-2272.05 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Low Promoter Commitment (0.00%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
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.
Pb Fintech Ltd Financial Statements
Comprehensive financial data for Pb Fintech Ltd including income statement, balance sheet and cash flow
About POLICYBZR (Pb Fintech Ltd)
Pb Fintech Ltd (POLICYBZR) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Financial Technology (Fintech) sector with a current market capitalisation of ₹86.11K (Cr). Pb Fintech Ltd has delivered a Return on Equity (ROE) of 5.13% and a ROCE of 5.90%. The debt-to-equity ratio stands at 0.05, reflecting the company's capital structure. Investors tracking POLICYBZR share price can monitor key metrics including P/E ratio, promoter holding of 0.00%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
POLICYBZR Share Price: Frequently Asked Questions
What is the current share price of Pb Fintech Ltd (POLICYBZR)?
As of 18 Feb 2026, 10:39 am IST, Pb Fintech Ltd share price is ₹1502.00. The POLICYBZR stock has a market capitalisation of ₹86.11K (Cr) on NSE/BSE.
Is POLICYBZR share price Overvalued or Undervalued?
POLICYBZR share price 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 Pb Fintech Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of POLICYBZR share price?
The 52-week high of POLICYBZR share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Pb Fintech Ltd share price?
Key factors influencing POLICYBZR share price include 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 in POLICYBZR shares.
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 share price P/E of 186.54x and ROE of 5.13% against the industry averages to determine competitive standing.
What is the P/E ratio of POLICYBZR and what does it mean?
POLICYBZR share price has a P/E ratio of 186.54x compared to the industry average of 36.33x. Investors pay ₹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, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
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 share price.
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. ROE measures how efficiently Pb Fintech Ltd generates profits from shareholders capital.
How is POLICYBZR 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.
What is POLICYBZR dividend yield and is it a good dividend stock?
POLICYBZR offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Pb Fintech Ltd shares.
How has POLICYBZR share price 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% pledged. High promoter holding often indicates strong management confidence in Pb Fintech Ltd.
What is POLICYBZR market capitalisation category?
POLICYBZR has a market capitalisation 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 Pb Fintech Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is POLICYBZR 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 quarterly performance?
Recent quarterly performance shows Pb Fintech Ltd 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 Pb Fintech Ltd stock.