PB Fintech
Market cap ₹47,275 Cr
- P/E
- 63.62
- Day range
- ₹1,005.40 – ₹1,032.30
- 52-week range
- ₹945.10 – ₹1,964.20
- Volume
- 14.31 L
- Open
- ₹1,015.00
- Prev close
- ₹1,015.00
Latest results · Q1 FY27(consolidated)Revenue ₹1,888 Cr+40.1%Profit ₹163 Cr+92.5%Margin 8.6%YoY vs the same quarter last year
1 red flag to read up on
- high
Under Additional surveillance (ASM)
The exchange has put this stock under Additional surveillance (ASM), Stage I · 26 Oct 2026
From NSE and BSE filings. A flag is a reason to read the filing, not a rating.
POLICYBZR in NSE indices and F&O
F&O margin for one lot of POLICYBZR (350 shares)Research profile
Composite 55 / 100Factor percentiles
Derived metrics
- Earn. yield
- 1.6%
- Graham no.
- ₹240.65
- vs Graham
- -76.5%
- ROE ÷ P/B
- 1.5%
- 12-1 mom.
- -1.2%
- Return / vol
- 0.13
- Magic Formula
- #555
- Piotroski
- 5/6
- FCF yield
- -0.1%
- PEG
- 1.16
Appears in 13 scans
Percentiles rank this stock against the other tracked stocks and change as they do. Scans describe where figures sit today. Hover a label for its definition. Not investment advice.
Peer comparison
All 8 in Tech| Company | M-cap | P/E | P/B | ROE | ROCE | OPM | D/E | Sales YoY |
|---|---|---|---|---|---|---|---|---|
| EternalETERNAL | ₹3.00 L Cr | 614.25 | 9.78 | 1.2% | 2.0% | 3.1% | 0.18 | +77.6% |
| One97 CommunicationsPAYTM | ₹1.06 L Cr | 165.30 | 6.46 | 3.6% | 5.0% | 8.0% | 0.01 | +27.6% |
| FSN E-CommerceNYKAA | ₹94,524 Cr | 370.62 | 63.55 | 14.9% | 17.0% | 8.0% | 0.86 | +29.1% |
| Info Edge (India)NAUKRI | ₹77,541 Cr | 48.52 | 2.03 | 4.8% | 3.0% | 39.0% | 0.01 | +11.4% |
| SwiggySWIGGY | ₹48,719 Cr | — | 2.86 | -29.1% | -24.0% | -10.0% | 0.15 | +36.1% |
| PB FintechPOLICYBZR | ₹47,275 Cr | 63.62 | 6.42 | 9.7% | 10.0% | 7.0% | 0.05 | +40.1% |
| SagilitySAGILITY | ₹20,832 Cr | 20.23 | 2.03 | 10.3% | 13.0% | 25.0% | 0.09 | +22.6% |
| Kfin TechnologiesKFINTECH | ₹14,331 Cr | 42.10 | 8.24 | 22.3% | 29.0% | 34.0% | 0.03 | +30.3% |
| Sector median | ₹63,130 Cr | 63.62 | 6.44 | 7.3% | 7.5% | 8.0% | 0.07 | +29.7% |
Sector as classified in the tracked universe; medians use every tracked Tech company, and P/E only profitable ones. Tinted figures beat the median.
Latest news
Updated 21h agoHeadlines about PB Fintech from the last two weeks in the financial press. Stories belong to their publishers; Parasram India does not endorse them.
Key metrics
- P/E (TTM)
- 63.3
- EPS (TTM)
- ₹16.07
- Price / Book
- 6.47
- ROE (FY26)
- 9.7%
- ROCE (latest year)
- 10%
- Dividend yield
- 0.00%
Moving averages (NSE)
- 20-day
- ₹1,816.11
- Price below
- 50-day
- ₹1,716.86
- Price below
- 200-day
- ₹1,653.12
- Price below
Charts & trends
From company filings. Amounts in ₹ crore.
Revenue, profit & margin - quarterly
₹ crore; a loss shows red. Operating margin below, same periods.
- Revenue
- Net profit
Operating margin
Who owns the company
% of equity by quarter, latest Sept 2026
- DII
- Public
- FII
- Others
Cash flows
Where cash came from and went, by fiscal year (₹ crore)
- Operating
- Investing
- Financing
- Free cash flow
Return on equity
Net profit over shareholders' equity, by fiscal year
Equity vs debt
Shareholders' equity against borrowings (₹ crore); the ratio below, same years.
- Equity
- Debt
Debt to equity
Financial statements
| Line item | 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 | 812 | 871 | 1,090 | 1,010 | 1,167 | 1,292 | 1,508 | 1,348 | 1,614 | 1,771 | 2,061 | 1,888 |
| Expenses | 901 | 898 | 1,085 | 1,050 | 1,175 | 1,264 | 1,396 | 1,314 | 1,516 | 1,612 | 1,849 | 1,751 |
| Operating Profit | -89 | -27 | 5 | -39 | -8 | 28 | 112 | 34 | 98 | 159 | 212 | 137 |
| OPM % | -11% | -3.1% | 0.5% | -3.9% | -0.7% | 2.1% | 7% | 2.5% | 6% | 9% | 10% | 7% |
| Other Income | 97 | 94 | 98 | 141 | 106 | 100 | 101 | 100 | 87 | 85 | 104 | 93 |
| Interest | 7 | 6 | 7 | 6 | 9 | 9 | 9 | 9 | 9 | 9 | 10 | 11 |
| Depreciation | 22 | 23 | 24 | 25 | 29 | 34 | 33 | 33 | 34 | 34 | 35 | 40 |
| Profit before tax | -21 | 37 | 73 | 71 | 60 | 85 | 171 | 92 | 142 | 201 | 272 | 179 |
| Tax % | -1% | 0% | 17% | 15% | 15% | 16% | 0% | 8% | 5% | 6% | 4% | 9% |
| Net Profit | -21 | 37 | 60 | 60 | 51 | 72 | 170 | 85 | 135 | 189 | 261 | 163 |
| EPS in Rs | ₹-0.45 | ₹0.84 | ₹1.34 | ₹1.32 | ₹1.11 | ₹1.56 | ₹3.70 | ₹1.84 | ₹2.94 | ₹4.09 | ₹5.64 | ₹3.52 |
From company filings, updated 27 Oct 2026. Consolidated figures where the company reports them. Information only, not investment advice.
Working-capital cycle
+22 days since Mar 2021
+22 days since Mar 2021
+80 days since Mar 2021
Strengths, risks & growth
PB Fintech Ltd, popularly known as Policy Bazar is India’s largest online platform for insurance and lending products through its flagship brands - Policybazaar and Paisabazaar platform through which they provide convenient access to insurance, credit and other financial products [1]
Strengths
- Company is almost debt free.
- Company is expected to give good quarter
- Company has delivered good profit growth of 41.9% CAGR over last 5 years
- Company's median sales growth is 46.1% of last 10 years
- Company's working capital requirements have reduced from 171 days to 68.1 days
Risks
- Stock is trading at 6.47 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Tax rate seems low
- Company has a low return on equity of 5.58% over last 3 years.
- Earnings include an other income of Rs.370 Cr.
Compounded Sales Growth
- 10 Years
- +54%
- 5 Years
- +50%
- 3 Years
- +38%
- TTM
- +38%
Compounded Profit Growth
- 10 Years
- +22%
- 5 Years
- +42%
- 3 Years
- +50%
- TTM
- +99%
Stock Price CAGR
- 10 Years
- —
- 5 Years
- —
- 3 Years
- +15%
- 1 Year
- -42%
Return on Equity
- 10 Years
- —
- 5 Years
- -1%
- 3 Years
- +6%
- Last Year
- +10%
Strengths and risks are a machine-generated checklist, not advice; growth is compounded annually over each period.
Shareholding pattern
| Holder | Dec 2025 | Mar 2026 | Jun 2026 | Sept 2026 | Change |
|---|---|---|---|---|---|
| FII | 40.77% | 39.94% | 37.29% | 27.12% | -10.17 pp |
| DII | 29.54% | 36.72% | 40.42% | 44.85% | +4.43 pp |
| Public | 29.55% | 23.19% | 22.14% | 27.89% | +5.75 pp |
| Others | 0.14% | 0.14% | 0.14% | 0.14% | 0.00 pp |
Filed with NSE for Sept 2026: promoters 0.00%, public 99.86% · XBRL filing
Analysts & fund holdings
Who holds the shares, quarter by quarter
Mutual funds 35.54% (+7.18 pp)- Promoters0.0%
- Foreign institutions27.2%
- Mutual funds35.5%
- Insurance4.5%
- Other domestic institutions4.9%
- Retail4.0%
- Others23.9%
| Fund | % of company | % of fund | 3-month change |
|---|---|---|---|
| HDFC Innovation Fund | 0.15% | 2.41% | -1.51 pp |
| Abakkus Flexi Cap Fund | 0.15% | 1.01% | -0.22 pp |
| DSP Banking & Financial Services Fund | 0.13% | 3.01% | -0.97 pp |
| HSBC Multi Asset Allocation Fund | 0.12% | 1.87% | -1.08 pp |
| Helios Flexi Cap Fund | 0.12% | 0.66% | +0.66 pp |
Scorecard
- Performance
- Low
- Valuation
- High
- Growth
- Low
- Profitability
- High
- Entry point
- Good
- Red flags
- Avg
Analyst coverage, holdings and scorecard from market data; not a recommendation by Parasram India.
Risk & trend
From 255 daily sessions to 23 Sept 2026.
Risk
- Volatility (1Y)
- 34.0%
- Downside volatility
- 34.0%
- Worst 5% of days
- 3.5%
- Average of that tail
- 4.6%
- Max drawdown (1Y)
- 27.1%
- Below its peak
- 3.6%
Against the market
- Beta vs Nifty 50
- 0.77
- Correlation
- 0.29
- Relative strength (3M)
- +17.7%
- ATR (14)
- 3.4%
Return
- Return 1M
- +5.7%
- Return 3M
- +15.3%
- Return 6M
- +26.7%
- Return 1Y
- +4.4%
- vs 200-day average
- +14.1%
Momentum
- RSI (14)
- 61.1
- MACD histogram
- -3.13
- Stochastic %K
- 90.5
- ADX (14)
- 30.4
- +DI / −DI
- 23.6 / 9.3
- Money flow index
- 39.6
Participation
- Delivery (20d avg)
- 54.4%
- vs its 60-day baseline
- -0.1 pts
- Volume vs 20-day
- +0.8σ
- Close vs day's VWAP
- +0.8%
- 52-week position
- 87 / 100
These describe what this stock's price has already done. They are not forecasts, signals or recommendations, and a dash means the figure was withheld for want of enough history rather than being zero.
Financial quality
From consolidated statements to 31 Mar 2026.
Piotroski F-Score
5 of 6 tested
- Return on assets positive — passed
- Operating cash flow positive — not testableno cash flow statement for this period
- Return on assets improving — passed
- Cash flow exceeds profit — not testableneeds cash flow and profit against assets
- Debt to assets falling — passed
- Current ratio improving — failed
- No new equity issued — not testableno share count is collected, and financing cash flow mixes equity with debt
- Operating margin improving — passed
- Asset turnover improving — passed
- Free cash flow
- -₹38 Cr
- FCF yield
- -0.1%
- Cash conversion
- 0.06
- Accruals ratio
- 0.072
- Net debt
- -₹386 Cr
- Net debt / equity
- -0.05
- EV / sales
- 6.34
- PEG
- 1.16
- Capex intensity
- 1.2%
- Revenue CAGR
- 36.7%
- Profit CAGR
- 53.0%
Computed from filed statements, not filed themselves. A dash means an input was absent, and the score counts only the criteria that could actually be tested.
Corporate actions
Company announcements
Please find enclosed the Certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018
Please find enclosed disclosure under Regulation 30 of the SEBI (LODR) Regulations, 2015
Please find enclosed the Voting Results and the Scrutinizer Report of 18th Annual General Meeting of the Company.
Please find enclosed the intimation for Closure of Trading Window pursuant to the provisions of SEBI (Prohibition of Insider Trading) Regulations, 2015.
Please find enclosed the Proceedings of the Annual General Meeting held on September 28, 2026.
Please find enclosed the clarification on Price Movement.
The Exchange has sought clarification from PB Fintech Ltd on September 25, 2026 with reference to significant movement in price, in order to ensure that investors have latest relevant information ....
Pursuant to Regulation 30 of the SEBI (LODR) Regulations, 2015, please find enclosed Transcript of the Analyst & Investor Call held on September 24, 2026.
Please find enclosed the intimation of analyst call
Please find enclosed the clarification on Market Rumour under Regulation 30(11) of the SEBI (LODR) Regulations, 2015
Please find enclosed the disclosure under Regulation 30 of the SEBI (LODR) Regulations, 2015
Please find enclosed the Intimation of Schedule of Analyst Meet on September 24, 2026
Please find enclosed the Intimation of Schedule of Analyst Meet on September 23, 2026
Please find enclosed the intimation for allotment of equity shares under PB Fintech Employees Stock Option Plan 2021
Please find enclosed the Intimation of Schedule of Analyst Meet on September 16, 2026
Filed with BSE (scrip 543390); the last 45 days. Documents open at bseindia.com.
SEBI filings & orders
From SEBI's website. An order may concern the company, its officers or trading in its shares, and may be under appeal - read the order itself. Personal identifiers are withheld.
Regulatory orders
- Settlement order
Settlement Order in the matter of Shri Yashish Dahiya (Chairperson & CEO of PB Fintech Ltd. in the scrip of PB Fintech Ltd).
4 Mar 2025Read on SEBI
Documents
Annual reports
Earnings calls
- Sep 2026Transcript
- Aug 2026TranscriptSlides
- May 2026TranscriptSlidesRecording
- Feb 2026TranscriptSlidesRecording
- Nov 2025TranscriptSlidesRecording
- Aug 2025TranscriptSlidesRecording
Documents open at BSE or the rating agency that issued them.
Sourced from the company's NSE XBRL filing dated 6 Aug 2026 (unaudited). View the source filing. Figures are as filed and are not investment advice.
PB Fintech: common questions
Answered from the figures on this page.
