PB Fintech Limited
₹1,000.00-₹17.90 (-1.8%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹75,814 Cr
- EV / EBITDA
- 1567.2x
- Revenue
- ₹153 Cr
- Net margin
- 32.7%
- ROCE
- -2.6%
Price chart
Technical chartScreen technicals →-45.7% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -6.1%
- 3M
- -37.3%
- 6M
- -40.0%
- 1Y
- -45.7%
- 5Y
- -24.9%
52-week range
Day change -₹17.90 (-1.8%) from ₹1,018 to ₹1,000 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in POLICYBZR, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 29.2%
Concerns1
- Low return on equity of 0.5%
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Technology
- Shares outstanding
- 46.3 Cr shares
- ISIN
- INE417T01026
- BSE code
- 543390
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹75,814 Cr
- P/B
- 9.3x
- EV / EBITDA
- 1567.2x
- EV / Sales
- 683.9x
- P/S
- 689.2x
- 52-week high
- ₹1,957.75
- 52-week low
- ₹980.00
Profitability
- Operating margin
- -185.5%
- Net margin
- 32.7%
- EBITDA margin
- 43.6%
- ROE
- 0.5%
- ROCE
- -2.6%
- ROA
- 0.5%
- Dividend payout
- 0.0%
- Tax rate
- 18.0%
- Other income, % of PBT
- 572.7%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹153 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 39.1%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 12.5%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹48.0 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 169.6%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -63.9%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 29.2%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹43.0 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -960.0%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹210 Cr
- Asset growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 5.7%
Solvency and efficiency
- Current ratio
- 109.85
- Debt / Equity
- 0.00
- Debt / Assets
- 0.00
- Debt / EBITDA
- 0.10
- Financial leverage
- 1.01
- CFO / Net profit
- 1.19
- Cash / Market cap
- 3.9%
- Cash per share
- ₹63.93
- Asset turnover
- 0.01
- Fixed asset turnover
- 18.33
- Capital intensity
- 0.05
- Debtor days
- 6 days
- Cash conversion cycle
- 6 days
Where the revenue went
FY2025 ended in a loss, so the lines are listed rather than drawn as a flow.
| Line | FY2025 |
|---|---|
| Sales | ₹153 Cr |
| Expenses | ₹408 Cr |
| Operating profit | -₹254 Cr |
| Other income | ₹273 Cr |
| Interest | ₹0 Cr |
| Depreciation | ₹3 Cr |
| Profit before tax | ₹15 Cr |
| Tax and other | ₹2 Cr |
| Net profit | ₹13 Cr |
Revenue and net profit
Revenue grew 39.1% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹123 Cr | ₹19 Cr |
| FY2022 | ₹103 Cr | -₹300 Cr |
| FY2023 | ₹134 Cr | -₹74 Cr |
| FY2024 | ₹110 Cr | ₹36 Cr |
| FY2025 | ₹153 Cr | ₹13 Cr |
Cash flows
FY2025: -₹103 Cr from operations, ₹213 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹71 Cr | -₹1,212 Cr |
| FY2022 | -₹57 Cr | -₹3,805 Cr |
| FY2023 | -₹5 Cr | -₹185 Cr |
| FY2024 | ₹43 Cr | ₹138 Cr |
| FY2025 | -₹103 Cr | ₹213 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹153 Cr+39.1%1Y
- Net profit
- ₹13 Cr-63.9%1Y
- Cash from operations
- -₹103 Cr
- Free cash flow
- ₹213 Cr+54.3%1Y
- Revenue CAGR, 5Y
- 12.5%
- EBITDA CAGR, 5Y
- 9.9%
- Net profit CAGR, 5Y
- 29.2%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹153 Cr | -₹254 Cr | — | ₹13 Cr | -₹103 Cr | ₹213 Cr | 0.2% | +39.1% | -63.9% |
Monthly returns
Month-by-month returns of POLICYBZR across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹8,059 Cr |
| Equity capital | ₹92 Cr |
| Reserves | ₹7,866 Cr |
| Borrowings | ₹1 Cr |
| Other liabilities | ₹101 Cr |
| Assets | ₹8,059 Cr |
| Fixed assets | ₹3 Cr |
| Capital work in progress | ₹0 Cr |
| Investments | ₹5,370 Cr |
| Other assets | ₹2,686 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
POLICYBZR has no positive P/E; the peer median is 52.1x.
Not shown (no positive earnings and no EV / Sales): PB Fintech Limited.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| PB Fintech LimitedPOLICYBZRthis company | ₹75,814 Cr | — | 9.3x | 0.5% | 1567.2x |
| Billionbrains Garage Ventures LimitedGROWW | ₹1.0 L Cr | 66.3x | — | -52.3% | -108.0x |
| Persistent Systems LimitedPERSISTENT | ₹1.0 L Cr | 68.6x | 15.0x | 20.6% | 66.6x |
| Info Edge(India) Ltd.NAUKRI | ₹86,455 Cr | 82.5x | 1.9x | 3.3% | 71.0x |
| Bharti Hexacom LimitedBHARTIHEXA | ₹83,980 Cr | 52.3x | 13.4x | 10.9% | 27.6x |
| Dixon Technologies (India) LimitedDIXON | ₹68,191 Cr | 121.0x | 23.9x | 13.3% | 191.7x |
| Oracle Financial Services Software LimitedOFSS | ₹66,928 Cr | 19.9x | 10.5x | 32.8% | 24.4x |
| COFORGE LIMITEDCOFORGE | ₹57,232 Cr | 81.8x | 9.5x | 30.0% | 45.1x |
| Mphasis LimitedMPHASIS | ₹54,771 Cr | 38.1x | 9.4x | 25.3% | 23.6x |
| Peer median | — | 52.1x | 7.8x | 14.5% | 34.2x |
Year-to-date ROI
POLICYBZR since 1 January, against earlier years.
Historical volatility
POLICYBZR's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | -16.0% |
| FY2022 | -397.0% |
| FY2023 | -197.0% |
| FY2024 | -185.0% |
| FY2025 | -166.0% |
| Line | FY2025 |
|---|---|
| RevenueSales | ₹153 Cr |
| Costs | |
| Interest | ₹0 Cr |
| Expenses | ₹408 Cr |
| Operating profitOperating Profit | -₹254 Cr |
| Other income and charges | |
| Profit before tax | ₹15 Cr |
| Tax | |
| Net profitNet Profit | ₹13 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹8,059 Cr |
| Equity capitalEquity Capital | ₹92 Cr |
| Reserves | ₹7,866 Cr |
| Borrowings | ₹1 Cr |
| Other liabilitiesOther Liabilities | ₹101 Cr |
| AssetsTotal Assets | ₹8,059 Cr |
| Fixed assetsFixed Assets | ₹3 Cr |
| Capital work in progressCWIP | ₹0 Cr |
| Investments | ₹5,370 Cr |
| Other assetsOther Assets | ₹2,686 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹103 Cr |
| Investing cash flowCash from Investing Activity | ₹316 Cr |
| Financing cash flowCash from Financing Activity | -₹2 Cr |
| Change in cashNet Cash Flow | ₹210 Cr |
Learn while you research
Academy chapters picked for PB Fintech Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Growth Investing39% revenue growth is in the top tier, learn how to value growth.7 min read
- 04 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 05 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read