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PB Fintech Limited POLICYBZR NIFTY_MIDNSEAIFINANCIAL

Financial Services · Insurance Brokers · India
https://www.pbfintech.in
Company Profile ↓
₹1,008.00
-44.85% 1Y
Mkt Cap₹46,579.67 Cr
P/E62.69
P/B6.40
52W High₹1,957.30
52W Low₹976.20
Book Value₹158.22
EPS (TTM)₹16.08

Company 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 Broker Services and Other Services. The company provides 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 offers Paisabazaar, which facilitates access to lending and personal credit products. In addition, the company provides 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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 79.2% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 38.5% CAGR over the past five years.

Recent Developments

  • Mar 2026 Revenue of ₹6,794.02 Cr (+36.5% YoY); net profit ₹669.94 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +40.1%, earnings +92.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 38.5%, profit CAGR 79.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:38.49%
1 Year:40.10%

Compounded Profit Growth

5 Years:79.17%
1 Year:92.30%

Stock Price Performance

1 Year:-44.85%
6 Months:-39.39%
3 Months:-33.98%
1 Month:-43.78%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

AI Exposure AI Insuretech / AI in Distribution
Core Focus

PB Fintech (Policybazaar + Paisabazaar) uses AI for product recommendation, claims assistance, credit scoring (Paisabazaar), and lead scoring across 50M+ users.

Key Initiatives
  • AI in insurance distribution PB Fintech's Policybazaar uses AI for product matching, risk-based recommendations and claims assistance across India's largest online insurance marketplace.
  • AI-driven conversion & service Machine-learning lead scoring and GenAI assistants improve conversion and lower cost-to-serve on millions of policies.
  • Credit (Paisabazaar) AI AI underwriting-assist and personalisation power its Paisabazaar credit marketplace.
Why Investors Should Care
  • AI deepens conversion and economics in a leading insurtech with strong revenue growth (~37%).
  • Asset-light marketplace model turning profitable as scale builds.
  • Newly profitable with modest ROE (~10%) — earnings still scaling.
  • Very high P/E ~107 prices in continued rapid growth.
AI InvestmentTech + AI talent expansion; product AI for personalised insurance.
AI RevenueRevenue ~₹4,000+ Cr; new initiatives (UAE, AI claims) ramping.
ROI (Now)Adjusted EBITDA positive; profitability inflection achieved.
ROI (Expected)Insurance penetration + AI cross-sell expected to drive 25-30% growth.

Curated from public filings and analyst commentary; figures are illustrative.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 38.5% over 5 years.
  • Profit CAGR of 79.2% over 5 years.

CONS

  • Trading at a high P/E of 62.7.
  • Trading 48.5% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
62.69
Industry PE
15.36
Forward P/E
32.42
PEG Ratio
-
Book Value
₹158.22
Price to Book
6.40
P/S
6.38
EV/EBITDA
69.87
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
38.49%
Profit 5Y
79.17%
Revenue (YoY)
40.10%
Earnings (YoY)
92.30%

Profitability & Returns

ROCE
9.65%
ROE
9.16%
ROA
7.69%
Profit Margin
10.20%
Op Margin
5.25%
Gross Margin
64.25%
EPS (Latest Qtr)
₹3.50
EPS (TTM)
₹16.08

Balance Sheet & Liquidity

Debt/Equity
4.92
Quick Ratio
-
Current Ratio
4.41
Debt
₹360.15 Cr
Total Assets
₹8,706.52 Cr
Current Assets
₹4,376.02 Cr
Working Capital
₹3,384.05 Cr

Ownership

Promoter Holding
22.22%
Chg in Prom Hold
-2.21%
FII / Inst Holding
59.03%
Chg in FII Hold
-0.42%

Financial Snapshot

Enterprise Value
₹46,579.67 Cr
Total Revenue (TTM)
₹7,334.31 Cr
EBITDA
₹626.47 Cr
Free Cash Flow
₹-38.41 Cr
Operating Cash Flow
₹41.49 Cr
Shares Outstanding
₹46.21 Cr
Gross Margin
64.25%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 POLICYBZR PB Fintech Limited NIFTY_MIDNSEAIFINANCIAL 1,008.00 62.69 ₹46,579.67 Cr 0.00% 9.65% 9.16% 38.49% 79.17%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 869.00 Cr666.00 Cr812.00 Cr871.00 Cr1,090.00 Cr1,010.00 Cr1,167.00 Cr-1,507.87 Cr1,347.99 Cr1,614.00 Cr1,771.15 Cr2,061.33 Cr1,888.28 Cr
Cost of Revenue --------508.21 Cr559.86 Cr-606.70 Cr699.34 Cr715.73 Cr
Gross Profit --------999.66 Cr788.13 Cr-1,164.45 Cr1,361.99 Cr1,172.55 Cr
Operating Expenses 937.00 Cr743.00 Cr901.00 Cr898.00 Cr1,085.00 Cr1,050.00 Cr1,175.00 Cr-920.86 Cr787.23 Cr1,516.00 Cr1,039.43 Cr1,178.60 Cr1,073.40 Cr
Operating Income -85.00 Cr-97.00 Cr-111.00 Cr-50.00 Cr-19.00 Cr-64.00 Cr-37.00 Cr-78.80 Cr90.00 L64.00 Cr125.02 Cr183.39 Cr99.15 Cr
EBITDA -68.00 Cr-77.00 Cr-89.00 Cr-27.00 Cr5.00 Cr-39.00 Cr-8.00 Cr-212.98 Cr134.59 Cr98.00 Cr244.14 Cr316.55 Cr229.83 Cr
Interest Expense 6.00 Cr6.00 Cr7.00 Cr6.00 Cr7.00 Cr6.00 Cr9.00 Cr-9.17 Cr8.77 Cr9.00 Cr9.31 Cr9.78 Cr11.13 Cr
Pretax Income -9.00 Cr-12.00 Cr-21.00 Cr37.00 Cr73.00 Cr71.00 Cr60.00 Cr-170.52 Cr92.34 Cr142.00 Cr201.07 Cr271.90 Cr178.58 Cr
Tax Provision 0-36.00 L21.00 L012.41 Cr10.65 Cr9.00 Cr-78.00 L7.69 Cr7.10 Cr11.64 Cr10.74 Cr15.67 Cr
Net Income -9.00 Cr-12.00 Cr-21.00 Cr37.00 Cr60.00 Cr60.00 Cr51.00 Cr-169.70 Cr84.59 Cr135.00 Cr189.38 Cr261.11 Cr162.89 Cr
Diluted EPS -0.20-0.25-0.450.841.341.321.11-3.651.822.944.085.613.50

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 78.00 Cr90.00 Cr334.00 Cr492.00 Cr771.00 Cr887.00 Cr-2,557.85 Cr3,437.68 Cr4,977.21 Cr6,794.02 Cr
Cost of Revenue -------982.64 Cr1,947.58 Cr1,958.67 Cr2,465.91 Cr
Gross Profit -------1,575.21 Cr1,490.10 Cr3,018.54 Cr4,328.11 Cr
Operating Expenses 149.00 Cr232.00 Cr386.00 Cr828.00 Cr1,091.00 Cr1,046.00 Cr-2,300.34 Cr1,764.72 Cr3,047.15 Cr3,954.84 Cr
Operating Income -74.00 Cr-145.00 Cr-59.00 Cr-366.00 Cr-367.00 Cr-201.00 Cr--725.13 Cr-274.62 Cr-28.61 Cr373.27 Cr
EBITDA -72.00 Cr-142.00 Cr-52.00 Cr-336.00 Cr-320.00 Cr-160.00 Cr--402.78 Cr192.29 Cr541.78 Cr880.43 Cr
Interest Expense 0008.00 Cr12.00 Cr12.00 Cr-21.36 Cr26.46 Cr33.83 Cr37.09 Cr
Pretax Income -64.00 Cr-110.00 Cr-34.00 Cr-337.00 Cr-295.00 Cr-142.00 Cr--487.96 Cr77.11 Cr386.68 Cr707.37 Cr
Tax Provision -0-0-25.84 Cr-10.11 Cr-8.85 Cr-8.52 Cr--2.00 L12.70 Cr34.46 Cr37.24 Cr
Net Income -64.00 Cr-110.00 Cr-59.00 Cr-347.00 Cr-304.00 Cr-150.00 Cr--487.22 Cr66.98 Cr352.07 Cr669.94 Cr
Diluted EPS -17,719.44-30,600.00-16,396.12-91,265.79-80,007.89-6,583.70--10.971.457.6314.46

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 126.00 Cr345.00 Cr880.00 Cr751.00 Cr1,576.00 Cr2,331.00 Cr-6,254.03 Cr6,728.51 Cr7,529.41 Cr8,706.52 Cr
Current Assets -------4,122.22 Cr4,806.05 Cr3,853.20 Cr4,376.02 Cr
Cash & Equivalents -------72.34 Cr324.86 Cr560.51 Cr746.26 Cr
Inventory -----------
Receivables -------677.31 Cr634.11 Cr999.61 Cr1,728.70 Cr
Total Liabilities -------769.23 Cr852.04 Cr1,091.59 Cr1,389.00 Cr
Current Liabilities -------550.92 Cr603.17 Cr751.28 Cr991.97 Cr
Long Term Debt -----------
Total Debt 01.00 Cr1.00 Cr90.00 Cr110.00 Cr110.00 Cr-226.59 Cr253.33 Cr322.22 Cr360.15 Cr
Total Equity 97.04 Cr301.04 Cr787.04 Cr489.04 Cr1,265.04 Cr1,990.05 Cr-5,476.30 Cr5,871.03 Cr6,432.28 Cr7,311.79 Cr
Shares Outstanding -------45.01 Cr45.12 Cr45.93 Cr46.27 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -102.00 Cr-97.00 Cr-83.00 Cr-282.00 Cr-364.00 Cr29.00 Cr--298.97 Cr8.65 Cr-183.24 Cr41.49 Cr
Investing Cash Flow -15.00 Cr-244.00 Cr-434.00 Cr375.00 Cr79.00 Cr-1,202.00 Cr-41.41 Cr300.81 Cr457.78 Cr213.77 Cr
Financing Cash Flow 119.00 Cr315.00 Cr513.00 Cr-23.00 Cr1,031.00 Cr759.00 Cr--42.50 Cr-56.83 Cr-72.69 Cr-81.24 Cr
Capital Expenditure -19.00 Cr-208.00 Cr-14.00 Cr-35.00 Cr-32.00 Cr-5.00 Cr--65.70 Cr-63.35 Cr-97.12 Cr-79.90 Cr
Free Cash Flow -121.00 Cr-305.00 Cr-97.00 Cr-317.00 Cr-396.00 Cr24.00 Cr--364.67 Cr-54.70 Cr-280.36 Cr-38.41 Cr
Net Change in Cash 2.00 Cr-27.00 Cr-5.00 Cr69.00 Cr746.00 Cr-415.00 Cr--300.06 Cr252.63 Cr201.85 Cr174.02 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -------61.6%43.3%60.6%63.7%
Operating Margin % -94.9%-161.1%-17.7%-74.4%-47.6%-22.7%--28.3%-8.0%-0.6%5.5%
Net Margin % -82.1%-122.2%-17.7%-70.5%-39.4%-16.9%--19.0%1.9%7.1%9.9%
ROE % -66.0%-36.5%-7.5%-71.0%-24.0%-7.5%--8.9%1.1%5.5%9.2%
ROCE % --------12.7%-4.5%-0.4%4.8%

Shareholding Pattern

Insiders
22.22%
Institutions
59.03%
Public Float
75.89%

Analyst View

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Latest News

Recent headlines for POLICYBZR

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POLICYBZR — Frequently Asked Questions

What is the current share price of PB Fintech Limited (POLICYBZR)?

As of 2026-10-23 04:58 IST, PB Fintech Limited (POLICYBZR) trades at ₹1,008.00 on NSE. Its 52-week range is ₹976.20 to ₹1,957.30.

What is the market capitalisation of POLICYBZR?

PB Fintech Limited (POLICYBZR) has a market capitalisation of ₹46,579.67 Cr on NSE.

What is the P/E ratio of POLICYBZR?

POLICYBZR trades at a trailing price-to-earnings (P/E) ratio of 62.69. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 6.40.

What is the return on equity (ROE) of POLICYBZR?

POLICYBZR has a return on equity (ROE) of 9.16%. Its return on capital employed (ROCE) is 9.65%.

Is POLICYBZR a good stock to buy?

This page provides a data-driven analysis of PB Fintech Limited (POLICYBZR), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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