POLICYBZR
PB Fintech Limited (POLICYBZR) Stock Analysis
PB Fintech Limited operates Policybazaar for insurance comparison and Paisabazaar for consumer credit in India. It earns commissions and fees by matching customers with insurers and lenders digitally. The company is India's largest online insurance aggregator. It is listed on Indian stock exchanges.
Financial Services › Insurance Brokers
₹1,166.00
-33.10% 1W | -28.00% 52W
Market Cap
53.9k CR
P/E Ratio
112.3
52W High
₹1964.2
52W Low
₹1115
Div. Yield
0%
Beta
0.4
50 DMA
₹1713.5
200 DMA
₹1636.9
Profit Margin
10.2%
Inst. Own.
59.4%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 666 | 812 | 871 | 1,090 | 1,010 | 1,167 | 1,292 | 1,508 | 1,348 | 1,614 | 1,771 | 2,061 | 1,888 |
| Expenses | 743 | 901 | 898 | 1,085 | 1,050 | 1,175 | 1,264 | 1,396 | 1,314 | 1,516 | 1,612 | 1,849 | 1,751 |
| Operating Profit | -77 | -89 | -27 | 5 | -39 | -8 | 28 | 112 | 34 | 98 | 159 | 212 | 137 |
| OPM % | -12% | -11% | -3.1% | 0.5% | -3.9% | -0.7% | 2.1% | 7% | 2.5% | 6% | 9% | 10% | 7% |
| Other Income | 91 | 97 | 94 | 98 | 141 | 106 | 100 | 101 | 100 | 87 | 85 | 104 | 93 |
| Interest | 6 | 7 | 6 | 7 | 6 | 9 | 9 | 9 | 9 | 9 | 9 | 10 | 11 |
| Depreciation | 20 | 22 | 23 | 24 | 25 | 29 | 34 | 33 | 33 | 34 | 34 | 35 | 40 |
| Profit before tax | -12 | -21 | 37 | 73 | 71 | 60 | 85 | 171 | 92 | 142 | 201 | 272 | 179 |
| Tax % | 3% | -1% | 0% | 17% | 15% | 15% | 16% | 0% | 8% | 5% | 6% | 4% | 9% |
| Net Profit | -12 | -21 | 37 | 60 | 60 | 51 | 72 | 170 | 85 | 135 | 189 | 261 | 163 |
| EPS in Rs | -0.25 | -0.45 | 0.84 | 1.34 | 1.32 | 1.11 | 1.56 | 3.70 | 1.84 | 2.94 | 4.09 | 5.64 | 3.52 |
| Metric | Mar 2015 | Mar 2016 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 78 | 90 | 334 | 492 | 771 | 887 | 1,425 | 2,558 | 3,438 | 4,977 | 6,794 | 7,334 |
| Expenses | 149 | 232 | 386 | 828 | 1,091 | 1,046 | 2,325 | 3,219 | 3,626 | 4,884 | 6,286 | 6,729 |
| Operating Profit | -72 | -142 | -52 | -336 | -320 | -160 | -901 | -662 | -188 | 93 | 508 | 606 |
| OPM % | -92% | -157% | -16% | -68% | -41% | -18% | -63% | -26% | -5% | 1.9% | 7% | 8% |
| Other Income | 10 | 35 | 26 | 37 | 84 | 71 | 124 | 259 | 381 | 449 | 372 | 370 |
| Interest | 0 | 0 | 0 | 8 | 12 | 12 | 14 | 22 | 27 | 34 | 38 | 39 |
| Depreciation | 2 | 3 | 7 | 30 | 47 | 41 | 43 | 64 | 89 | 121 | 136 | 143 |
| Profit before tax | -64 | -110 | -34 | -337 | -295 | -142 | -833 | -488 | 77 | 387 | 707 | 794 |
| Tax % | 0% | 0% | 76% | 3% | 3% | 6% | -0% | -0% | 16% | 9% | 5% | |
| Net Profit | -64 | -110 | -59 | -347 | -304 | -150 | -833 | -488 | 64 | 352 | 670 | 748 |
| EPS in Rs | -17,719.44 | -30,600.00 | -16,396.12 | -91,265.79 | -80,007.89 | -6,583.70 | -18.53 | -10.82 | 1.48 | 7.67 | 14.48 | 16.19 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 38.0% | 50.0% | 54.0% |
| Profit CAGR | 50.0% | 42.0% | 22.0% |
Shareholding Pattern
FIIs46.78%
DIIs23.27%
Public29.65%
FIIs43.64%
DIIs26.63%
Public29.47%
FIIs40.77%
DIIs29.54%
Public29.55%
FIIs39.94%
DIIs36.72%
Public23.19%
FIIs37.29%
DIIs40.42%
Public22.14%
FIIs50.41%
DIIs13.97%
Public34.79%
FIIs48.97%
DIIs16.64%
Public33.81%
FIIs45.93%
DIIs22.95%
Public30.85%
FIIs39.94%
DIIs36.72%
Public23.19%
FIIs37.29%
DIIs40.42%
Public22.14%
POLICYBZR
Holdings Analysis
Key strengths & risk signals
50
Overall
60
Fundamental
40
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
POOR YEAR! Stock declined 28.0% in the last year.
BEARISH SENTIMENT! In last 30 days: 15 up days, 14 down days. Avg volume on up days: 1,352,469 vs down days: 6,184,895. Ratio: 0.22x
WEAK POSITION! Current price (1166.0) is below both moving averages.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BULLISH TREND! 50-day average (1713.5) is above 200-day average (1636.9) - positive signal.
OVERSOLD! RSI at 24.7 - potential bounce opportunity.
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
Fundamental & Technical Analysis
50Overall
60Fundamental
40Technical
Fundamental Breakdown
Growth Quality
17/30
Revenue CAGR: 38.5% (EXCELLENT, 15/15). Profit CAGR: 0% (DECLINING, 2/15).
Profit Margin
5/10
DECENT EFFICIENCY! 10.2% profit margin - acceptable profitability.
PEG Valuation
5/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.05 - excellent financial health.
Public Holding
10/20
SIGNIFICANT PUBLIC HOLDING! 34.24% public ownership - moderate retail influence.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (1713.5) is above 200-day average (1636.9) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (1166.0) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
1/10
POOR YEAR! Stock declined 28.0% in the last year.
Volume Sentiment
5/30
BEARISH SENTIMENT! In last 30 days: 15 up days, 14 down days. Avg volume on up days: 1,352,469 vs down days: 6,184,895. Ratio: 0.22x
RSI
5/5
OVERSOLD! RSI at 24.7 - potential bounce opportunity.
52W Range
1/5
WEAK! Trading at 6.0% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 33.1% (1 week), 36.6% (1 month), 27.8% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
POLICYBZR
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-09-25 | Concall PDF | |
| Q4FY262026-05-12 | Concall PDF | |
| Q3FY262026-02-06 | Concall PDF | |
| Q2FY262025-11-04 | Concall PDF |
Peer Comparison
Financial Services · Insurance Brokers · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| POLICYBZR | ₹1,166.00 | 112.3 | 10.2% | 38.5% | – | -28.0% | 50 | BREAKDOWN | +92.6% | -37.6% | +40.1% | -8.4% |
| HDBFS | ₹648.10 | 19.4 | 29.8% | 14.0% | 9.1% | -11.3% | 78 | APPROACHING RESISTANCE | +38.3% | +4.6% | +10.9% | +4.0% |
| PIRAMALFIN | ₹2,142.70 | 30.4 | 32.2% | 16.9% | – | +68.3% | 60 | BREAKDOWN | +66.1% | -8.3% | +28.0% | +7.5% |
| MFSL | ₹1,458.00 | 465.8 | 0.2% | 15.0% | -39.5% | +1.1% | 49 | APPROACHING SUPPORT | +37.4% | -462.1% | +16.8% | +38.6% |
| SUNDARMFIN | ₹4,508.00 | 22.4 | 46.1% | 18.6% | 15.7% | +1.4% | 60 | APPROACHING RESISTANCE | +33.9% | +14.8% | +18.1% | +1.6% |
| SBICARD | ₹611.20 | 25.5 | 18.2% | 13.5% | -1.4% | -29.2% | 57 | BREAKDOWN | +19.5% | +9.0% | +0.7% | 0.0% |
| GICRE | ₹337.50 | 6.7 | 16.8% | 4.3% | 11.8% | -5.7% | 61 | APPROACHING SUPPORT | -31.1% | -31.1% | -1.0% | +7.5% |
| AIIL | ₹559.60 | 29.2 | 82.1% | 44.4% | -23.5% | -5.3% | 69 | APPROACHING RESISTANCE | +17.8% | +1,757.0% | +20.9% | +373.0% |
Data from TradeAlone · Updated daily
