PB Fintech Limited
POLICYBZR · Internet Platform · NSE
₹1,589
Current Market Price
Fair Value (P/B + Residual Income)
₹407
Discount to FV
-74.4%
Updated just now
YieldIQ Score
28/100
Piotroski F-Score
7/9
Economic Moat
None
Confidence
50%
ROE
5.5%
Debt/Equity
0.05
Cost of Equity
9.8%
Market Cap
₹73,405 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
8.0%
Return on capital employed
Revenue CAGR (3Y)
19.9%
3-year revenue growth
Revenue CAGR (5Y)
33.0%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,588.7
Bear case
Margin of Safety —
Implied upside -457.1%
Base case
Margin of Safety —
Implied upside -290.0%
Bull case
Margin of Safety —
Implied upside -178.6%
Ratio Trends
POLICYBZR · last 4 annual periods
ROE
5.5%
ROCE
8.0%
Operating Margin
—
Debt / Equity
0.05×
PE
1003.0×
EV / EBITDA
—
Historical Financials
POLICYBZR · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹1425 Cr | ₹2558 Cr | ₹3438 Cr | ₹4977 Cr | ₹6794 Cr | +47.8% |
| EBITDA | ₹-777 Cr | ₹-403 Cr | ₹192 Cr | ₹542 Cr | ₹880 Cr | — |
| EBIT | ₹-820 Cr | ₹-466 Cr | ₹106 Cr | — | — | — |
| PAT | ₹-833 Cr | ₹-487 Cr | ₹67.0 Cr | ₹352 Cr | ₹670 Cr | — |
| EPS (diluted) | ₹20.34 | ₹-10.97 | ₹1.45 | — | — | -48.3% |
| CFO | ₹-1568 Cr | ₹-299 Cr | ₹8.7 Cr | ₹-183 Cr | ₹41.5 Cr | — |
| CapEx | ₹-32.7 Cr | ₹-65.7 Cr | ₹-63.4 Cr | ₹-97.1 Cr | ₹-79.9 Cr | — |
| FCF | ₹-1601 Cr | ₹-365 Cr | ₹-54.7 Cr | ₹-280 Cr | ₹-38.4 Cr | — |
| Total Assets | ₹5915 Cr | ₹6254 Cr | ₹6729 Cr | ₹7529 Cr | ₹8707 Cr | +10.1% |
| Total Debt | ₹159 Cr | ₹227 Cr | ₹253 Cr | ₹322 Cr | ₹360 Cr | +22.6% |
| Shareholders' Equity | ₹5412 Cr | ₹5476 Cr | ₹5871 Cr | ₹6432 Cr | ₹7312 Cr | +7.8% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
POLICYBZR vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 MCX MCX | — | — | Pending | 46.8% | — |
 FEDERALBNK FEDERALBNK | — | — | Pending | 10.9% | 14.7× |
 BAJAJHFL BAJAJHFL | — | — | Pending | 11.4% | — |
 AUBANK AUBANK | — | — | Pending | 13.2% | 23.9× |
 LTF LTF | — | — | Pending | 10.7% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for POLICYBZR in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. PB Fintech Limited (POLICYBZR.NS) trades at 1588.70 vs a model fair value of 407.36, a gap of -74.4%. Piotroski F-score: 7/9. Moat label:...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of POLICYBZR →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for POLICYBZR →
Compare
Head-to-head with peers
Compare POLICYBZR side by side →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
Analyse POLICYBZRNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.