PB Fintech
PB Fintech Limited valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for PB Fintech Limited, framed against the sector median so the premium or discount is obvious at a glance.
PB Fintech Limited trades at a P/E of 112.98× and P/B of 10.35×, against the Financial Services sector median P/E of 18.69×.
Valuation
Profitability
Growth
Financial Health
PB Fintech Limited chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for PB Fintech Limited — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
PB Fintech Limited financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for PB Fintech Limited, switchable between annual and quarterly views, consolidated or standalone.
PB Fintech Limited reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹7,56,03,93,27,872.6 Cr and reported EPS of ₹14.44.
| Period | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Revenue from Operations | 1,425 | 2,558 | 3,438 | 4,977 | 6,794 |
| Other Income | 125 | 259 | 381 | 408 | 372 |
| Total Income | 1,550 | 2,817 | 3,818 | 5,385 | 7,166 |
| Gross Profit | 1,425 | 2,558 | 3,438 | 4,977 | 6,794 |
| +Operating Expenses | 2,327 | 3,219 | 3,624 | 4,884 | 6,285 |
| EBITDA | -902 | -662 | -186 | 94 | 509 |
| +Non-Operating Expenses | 56 | 85 | 115 | 196 | 173 |
| Profit Before Tax (PBT) | -833 | -488 | 79 | 387 | 709 |
| +Tax Expense | -0 | -0 | 13 | 34 | 37 |
| Total Profit for Period | -833 | -488 | 64 | 353 | 670 |
| Less: Non-controlling Interests | — | -1 | — | 0 | 0 |
| Net Profit (Owner's PAT) | -833 | -487 | 64 | 353 | 670 |
| Earnings Per Share (EPS) | -18.53 | -10.82 | 1.43 | 7.69 | 14.48 |
| Diluted Shares Outstanding (Nos.) | 45 | 45 | 45 | 46 | 46 |
| +Additional Disclosures | 2,384 | 3,306 | 3,734 | 5,032 | 6,469 |
| Sales Growth % | — | 79.51 | 34.40 | 44.78 | 36.50 |
| YoY Sales Growth % | — | 79.51 | 34.40 | 44.78 | 36.50 |
| Employee Cost % | 88 | 60 | 48 | 39 | 36 |
| Other Cost % | 75 | 66 | 58 | 59 | 56 |
| OPM % | -63 | -26 | -5 | 2 | 7 |
| Tax % | 0 | 0 | 16 | 9 | 5 |
| Profit Growth % | — | 41.50 | 113.22 | 448.07 | 89.78 |
| Gross Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Margin % | -0.00 | -0.00 | -0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio | -0.00 | -0.00 | -0.00 | -0.00 | 0.00 |
| +Additional Fields | -945 | -725 | -275 | -28 | 373 |
PB Fintech segment analysis: revenue and profit mix.
Disclosed business segments at PB Fintech with their share of revenue and profit, switchable between consolidated and standalone reporting.
PB Fintech discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for PB Fintech Limited.
Our AI distills the core fundamental drivers supporting PB Fintech Limited, the risks that threaten it, and the exact valuation or growth triggers that should make you re-evaluate.
PB Fintech Limited's investment case rests on 9 positive markers and 9 flagged concerns drawn from the latest reported filings.
What you're getting.
Robust quarterly sales growth of 38.20% indicates strong market demand.
Quarterly profit surged by 166.00%, signaling improved operational efficiency.
Very low debt-to-equity ratio of 0.05 ensures strong financial stability.
FIIs hold 43.64% stake, reflecting strong institutional investor confidence.
Consistent high revenue growth, 45.20% CAGR over five years.
What can break it.
Extremely high P/E ratio of 180.73 suggests significant stock overvaluation.
Zero promoter holding (0%) raises concerns about long-term management commitment.
Low Return on Equity (4.63%) and ROCE (5.90%) indicate poor capital efficiency.
Negative cash flow per share (-5.38 annual) impacts liquidity and reinvestment.
"Weak fundamentals" recommendation (score 36%) signals high investment risk.
What would change my mind.
Trim if P/E re-rates above 147 (~7.9× the sector multiple of 18.7). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
PB Fintech Limited peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — PB Fintech Limited is highlighted for quick read-across.
Quick Compare
PB Fintech Limited technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for PB Fintech Limited — derived from the live tape, not yesterday's close.
PB Fintech Limited last traded at ₹1,636.3 with an intraday range of ₹1,600.3–₹1,646.9 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹1636.30| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 1748.57 | +112.27 | +6.86% |
| R3 | 1701.97 | +65.67 | +4.01% |
| R2 | 1674.43 | +38.13 | +2.33% |
| R1 | 1655.37 | +19.07 | +1.17% |
| PIVOT | 1627.83 | -8.47 | -0.52% |
| CURRENT | 1636.30 | — | — |
| S1 | 1515.57 | -120.73 | -7.38% |
| S2 | 1562.17 | -74.13 | -4.53% |
| S3 | 1581.23 | -55.07 | -3.37% |
| S4 | 1608.77 | -27.53 | -1.68% |
POLICYBZR is trading Above CPR, indicating Bullishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 1610.4 ~ 1637.6
Trading Inside opening range
PB Fintech Limited delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for PB Fintech Limited over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in PB Fintech Limited stood at 46.8% of traded volume, against a 20-day average of 54.7%.
PB Fintech announcements: results, concalls, ratings, M&A.
Filings PB Fintech sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
PB Fintech files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 129 documents below.
Cessation
PB Fintech Limited has informed the Exchange regarding Cessation of Mr. Kaushik Dutta as Non- Executive Independent Director of the company due to…
Change in Director(s)
PB Fintech Limited has informed the Exchange regarding Change in Director(s) of the company.
Shareholders meeting
PB Fintech Limited has submitted the Exchange a copy of the Srutinizers report and Voting Results of the Postal Ballot.
General Updates
PB Fintech Limited has informed the Exchange about Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations…
Copy of Newspaper Publication
PB Fintech Limited has informed the Exchange about Copy of Newspaper Publication regarding completion of dispatch of postal ballot notice
PB Fintech dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue PB Fintech has declared, sequenced by announce and record date.
PB Fintech corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About PB Fintech Limited: business, sector, key facts.
What PB Fintech Limited does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
PB Fintech Limited operates in the Financial Technology (Fintech) industry under the Financial Services sector, listed as NSE: POLICYBZR, BSE: 543390.
PB Fintech Limited, the parent company of POLICYBZR, is a prominent player in India's burgeoning online insurance and lending market. Its core business model centers around providing a digital platform for consumers to access and compare a wide range of financial products. This includes insurance policies (health, term, motor, travel, etc.) and various lending options (personal loans, home loans, business loans, credit cards, loans against property). The company operates across both the business-to-consumer (B2C) and business-to-business (B2B) spectrums, facilitating transactions between consumers and insurance partners.
The company's primary offerings are structured around two distinct segments: Insurance Services and Other Services. The Insurance Services segment, predominantly driven by its flagship platform Policybazaar, empowers users to browse, compare, and purchase insurance products seamlessly online. This segment encompasses a considerable variety of insurance types, allowing users a centralized point for managing their insurance needs. The comprehensive nature of the product offerings and the ease of comparison are key competitive advantages within the Indian market.
The Other Services segment contributes significantly to PB Fintech's overall business, encompassing Paisabazaar, its digital lending platform. This platform functions similarly to Policybazaar but focuses on facilitating loan applications and credit product comparisons. Users can explore different loan options, compare interest rates and terms, and apply directly through the platform. Beyond these core offerings, this segment also includes various support services such as call center operations, online healthcare services, marketing and consulting, and assistance with motor vehicle claims.
In essence, PB Fintech's business strategy revolves around leveraging technology to simplify and streamline the processes of obtaining insurance and credit products. By providing a user-friendly, comprehensive, and comparative online platform, the company addresses a significant market need in India. The company’s success lies in its ability to aggregate a diverse range of financial products, offer easy-to-use comparison tools, and provide a smooth, efficient transaction process. This approach is designed to attract a broader range of customers and establish itself as a leading fintech company in the Indian market and beyond.
Questions investors ask about PB Fintech Limited (POLICYBZR).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of PB Fintech Limited (POLICYBZR)?
The current share price of PB Fintech Limited (POLICYBZR) is ₹1,636.3. Today, the stock has gained by ₹13.90 (0.86%), trading in a range of ₹1,600.3 to ₹1,646.9. The stock opened at ₹1,622.4 with a trading volume of 8,28,244 shares.
02Is PB Fintech Limited stock a good investment for long-term?
PB Fintech Limited can be considered for long-term investment based on several factors. The company has a market capitalization of ₹7,56,03,93,27,872.6 crores, P/E ratio of 112.98, ROE of 9.74%, and ROCE of 5.90%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of PB Fintech Limited stock?
The 52-week high price of PB Fintech Limited (POLICYBZR) is ₹1,974, while the 52-week low is ₹1,364. Currently trading at ₹1,636.3, the stock is 44.6% away from its 52-week low and 17.1% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy PB Fintech Limited stock at the current price?
Whether to buy PB Fintech Limited stock at ₹1,636.3 depends on multiple factors. The stock is currently trading with a P/E ratio of 112.98 and P/B ratio of 10.35. Today's performance shows a gain of 0.86%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of PB Fintech Limited and when is the next dividend?
PB Fintech Limited offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹1,636.3, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of PB Fintech Limited?
PB Fintech Limited's key financial metrics include: P/E Ratio: 112.98, P/B Ratio: 10.35, ROE: 9.74%, ROCE: 5.90%, Dividend Yield: 0.00%, EPS: ₹14.44, Book Value: ₹158.22, and Debt-to-Equity: 0.05. The company's market cap stands at ₹7,56,03,93,27,872.6 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is PB Fintech Limited stock performing today in the market?
PB Fintech Limited stock opened at ₹1,622.4 and is currently trading at ₹1,636.3, showing a gain of ₹13.90 (0.86%). The intraday high is ₹1,646.9 and low is ₹1,600.3. The trading volume stands at 8,28,244 shares, indicating moderate market participation today.
08What is the P/E ratio of PB Fintech Limited and what does it indicate?
PB Fintech Limited has a Price-to-Earnings (P/E) ratio of 112.98, which means investors are willing to pay ₹112.98 for every ₹1 of earnings. With an EPS of ₹14.44, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about PB Fintech Limited (POLICYBZR) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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