PB Fintech Limited POLICYBZR NIFTY_MIDNSEAIFINANCIAL

Financial Services · Insurance Brokers · India

https://www.pbfintech.in

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.

Market & Price

Market Cap

₹78,859.02 Cr

Current Price

₹1,702.50

High / Low (52W)

₹1,957.30 / ₹1,426.90

Beta

0.38

Valuation

Stock P/E

117.66

Industry PE

19.12

Forward P/E

49.95

PEG Ratio

Book Value

₹158.22

Price to Book

10.76

P/S

11.61

EV/EBITDA

150.21

Dividend Yield

Profitability & Returns

ROCE

9.65%

ROE

9.74%

ROA

2.87%

Profit Margin

9.86%

Op Margin

8.90%

EPS (Latest Qtr)

₹5.61

EPS (TTM)

₹14.47

Balance Sheet & Liquidity

Debt/Equity

4.92

Quick Ratio

4.32

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

26.05%

Chg in Prom Hold

FII / Inst Holding

54.32%

Chg in FII Hold

0.03%

Financial Snapshot

Enterprise Value

₹76,493.84 Cr

Total Revenue (TTM)

₹6,794.02 Cr

EBITDA

₹509.24 Cr

Free Cash Flow

₹-30.97 Cr

Operating Cash Flow

₹41.49 Cr

Shares Outstanding

₹46.20 Cr

Gross Margin

63.71%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

38.49%

Profit 5Y

79.17%

Revenue (YoY)

36.70%

Earnings (YoY)

52.80%

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 117.7.
In a downtrend (50-DMA below 200-DMA).

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

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	POLICYBZR PB Fintech Limited NIFTY_MIDNSEAIFINANCIAL	1,702.50	117.66	₹78,859.02 Cr	-	9.65%	9.74%	38.49%	79.17%
2	HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL	744.55	16.61	₹11.46 L Cr	1.75%	-	13.82%	32.50%	20.39%
3	ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL	1,256.40	16.81	₹9.01 L Cr	0.88%	-	16.36%	19.65%	16.78%
4	SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU	964.40	10.58	₹8.90 L Cr	1.80%	-	15.48%	12.19%	14.39%
5	KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL	384.20	19.80	₹3.82 L Cr	0.13%	-	11.39%	14.58%	8.92%
6	LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU	411.35	9.06	₹2.60 L Cr	2.43%	-	42.36%	7.61%	16.86%
7	SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL	947.15	17.79	₹2.23 L Cr	1.46%	-	16.38%	15.48%	18.59%
8	SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL	1,830.10	74.06	₹1.84 L Cr	0.15%	-	13.70%	11.67%	12.81%
9	ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL	3,538.50	53.19	₹1.75 L Cr	0.70%	98.30%	85.80%	28.94%	29.58%

Quarterly Results

Figures in INR.

Metric	Dec 2024	Mar 2025	Jun 2025	Dec 2025	Mar 2026
Revenue	1,291.62 Cr	1,507.87 Cr	1,347.99 Cr	1,771.15 Cr	2,061.33 Cr
Cost of Revenue	487.43 Cr	508.21 Cr	559.86 Cr	606.70 Cr	699.34 Cr
Gross Profit	804.19 Cr	999.66 Cr	788.13 Cr	1,164.45 Cr	1,361.99 Cr
Operating Expenses	810.14 Cr	920.86 Cr	787.22 Cr	1,039.43 Cr	1,178.60 Cr
Operating Income	-5.95 Cr	78.80 Cr	91.00 L	125.02 Cr	183.39 Cr
EBITDA	127.96 Cr	212.98 Cr	134.59 Cr	244.14 Cr	316.55 Cr
Interest Expense	9.31 Cr	9.17 Cr	8.77 Cr	9.31 Cr	9.78 Cr
Pretax Income	85.08 Cr	170.52 Cr	92.34 Cr	201.07 Cr	271.90 Cr
Tax Provision	13.58 Cr	78.00 L	7.69 Cr	11.64 Cr	10.74 Cr
Net Income	71.50 Cr	169.70 Cr	84.59 Cr	189.38 Cr	261.11 Cr
Diluted EPS	1.55	3.65	1.82	4.08	5.61

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	2,557.85 Cr	3,437.68 Cr	4,977.21 Cr	6,794.02 Cr
Cost of Revenue	-	982.64 Cr	1,947.58 Cr	1,958.67 Cr	2,465.91 Cr
Gross Profit	-	1,575.21 Cr	1,490.10 Cr	3,018.54 Cr	4,328.11 Cr
Operating Expenses	-	2,300.34 Cr	1,764.72 Cr	3,047.15 Cr	3,954.84 Cr
Operating Income	-	-725.13 Cr	-274.62 Cr	-28.61 Cr	373.27 Cr
EBITDA	-	-402.78 Cr	192.29 Cr	541.78 Cr	880.43 Cr
Interest Expense	-	21.36 Cr	26.46 Cr	33.83 Cr	37.09 Cr
Pretax Income	-	-487.96 Cr	77.11 Cr	386.68 Cr	707.37 Cr
Tax Provision	-	-2.00 L	12.70 Cr	34.46 Cr	37.24 Cr
Net Income	-	-487.22 Cr	66.98 Cr	352.07 Cr	669.94 Cr
Diluted EPS	-	-10.97	1.45	7.63	14.46

Compounded Sales Growth

5 Years:	38.49%
1 Year:	36.70%

Compounded Profit Growth

5 Years:	79.17%
1 Year:	52.80%

Stock Price Performance

1 Year:	-4.58%
6 Months:	-4.42%
3 Months:	+13.91%
1 Month:	+2.18%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	6,254.03 Cr	6,728.51 Cr	7,529.41 Cr	8,706.52 Cr
Current Assets	-	4,122.22 Cr	4,806.05 Cr	3,853.20 Cr	4,376.02 Cr
Cash & Equivalents	-	72.34 Cr	324.86 Cr	560.51 Cr	746.26 Cr
Inventory	-	-	-	-	-
Receivables	-	677.31 Cr	634.11 Cr	999.61 Cr	1,728.70 Cr
Total Liabilities	-	769.23 Cr	852.04 Cr	1,091.59 Cr	1,389.00 Cr
Current Liabilities	-	550.92 Cr	603.17 Cr	751.28 Cr	991.97 Cr
Long Term Debt	-	-	-	-	-
Total Debt	-	226.59 Cr	253.33 Cr	322.22 Cr	360.15 Cr
Total Equity	-	5,476.30 Cr	5,871.03 Cr	6,432.28 Cr	7,311.79 Cr
Shares Outstanding	-	45.01 Cr	45.12 Cr	45.93 Cr	46.20 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	-298.97 Cr	8.65 Cr	-183.24 Cr	41.49 Cr
Investing Cash Flow	-	41.41 Cr	300.81 Cr	457.78 Cr	213.77 Cr
Financing Cash Flow	-	-42.50 Cr	-56.83 Cr	-72.69 Cr	-81.24 Cr
Capital Expenditure	-	-65.70 Cr	-63.35 Cr	-97.12 Cr	-79.90 Cr
Free Cash Flow	-	-364.67 Cr	-54.70 Cr	-280.36 Cr	-38.41 Cr
Net Change in Cash	-	-300.06 Cr	252.63 Cr	201.85 Cr	174.02 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	61.6%	43.3%	60.6%	63.7%
Operating Margin %	-	-28.3%	-8.0%	-0.6%	5.5%
Net Margin %	-	-19.0%	1.9%	7.1%	9.9%
ROE %	-	-8.9%	1.1%	5.5%	9.2%
ROCE %	-	-12.7%	-4.5%	-0.4%	4.8%

Shareholding Pattern

Insiders

26.05%

Institutions

54.32%

Public Float

73.45%

Analyst View

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POLICYBZR · Financial Services