PB Fintech Ltd

POLICYBZR

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Market Cap

₹ 89,079 Cr

P/E

192.92

Turned 1 L into 3.93 L in last 3 Years

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Performance

STEADY PERFORMER

Valuation

OVERVALUED

Growth

STABLE

Profitability

LOW MARGIN

Technicals

Bullish

Risk

MODERATE RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

PB Fintech Limited operates Policybazaar and Paisabazaar, providing digital insurance and credit solutions in India and the UAE.

In Q2 FY26, the company achieved a 38% YoY revenue growth, driven by a 44% increase in new protection premiums, and a surge in PAT by 165%, reaching ₹135 Cr.

The core online insurance premium rose by 34%, and total insurance premiums amounted to ₹7,605 Cr, highlighting strong demand and robust growth.

PB Partners showed accelerated momentum with a 61% YoY revenue increase, tapping into 99% of India's pin codes, further strengthening its market leadership.

Sector

IT - Software

Industry

Computers - Software - Medium / Small

Market Cap

89,079 Cr

Volatility

High Risk

P/E Ratio

192.9

Industry P/E

38.4

PEG Ratio

4.6

P/B Ratio

13.2

52W High

2,254.95

52W Low

1,312.10

Sales CAGR

44.78%

51.73%

45.20%

10Y

—

Profit CAGR

448.30%

—

10Y

—

ROE

TTM

6.82%

-0.11%

-0.93%

10Y

-0.98%

ROCE

TTM

7.43%

-0.06%

-0.86%

1Y Price Target

1971.56 ▲ 8.39%

Q3 EPS Estimate

Q3 Revenue Estimate

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Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

updated on

Nov 14, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
POLICYBZR	1925.30	89,079 Cr	192.92	13.16	0.00	6.82	7.43	5.82
KPITTECH	1207.85	33,112 Cr	42.85	10.14	0.70	23.68	27.78	11.51
TATAELXSI	5041.00	31,449 Cr	46.90	11.64	1.49	24.81	31.56	19.41
TATATECH	657.45	26,676 Cr	38.47	7.48	1.78	19.44	24.18	9.68
PINELABS	231.45	26,577 Cr	—	4.76	0.00	0.00	0.00	-0.43
AFFLE	1695.00	23,891 Cr	56.97	7.34	0.00	12.88	15.72	10.71
ZENSARTECH	730.05	16,739 Cr	23.90	3.91	1.76	16.37	20.59	12.94

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Sales	666	812	871	1,090	1,010	1,167	1,292	1,508	1,348	1,614
Expenses	743	901	896	1,084	1,050	1,175	1,264	1,395	1,314	1,516
Operating Profit	-77	-89	-26	5.42	-39	-7.79	28	113	34	98
OPM %	-11.58	-10.98	-2.93	0.50	-3.88	-0.67	2.14	7.50	2.55	6.06
Other Income	91	97	92	98	141	106	100	101	100	87
Interest	6.27	7.18	6.44	6.57	6.37	8.98	9.31	9.17	8.77	9.23
Depreciation	20	22	23	24	25	29	34	33	33	34
Profit Before Tax	-12	-21	37	73	71	60	85	171	92	142
Tax %	-2.76	1.49	0.00	17.42	15.28	15.39	15.95	0.46	8.33	5.05
Net Profit	-12	-21	37	60	60	51	72	171	85	135
EPS in Rs	-0.25	-0.44	0.81	1.29	1.30	1.08	1.55	3.67	1.82	2.89

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	334	492	771	887	1,425	2,558	3,438	4,977	5,315
Expenses	386	828	1,091	1,046	2,327	3,219	3,624	4,884	5,147
Operating Profit	-53	-336	-320	-160	-902	-662	-186	94	167
OPM %	-15.73	-68.28	-41.47	-18.02	-63.33	-25.87	-5.42	1.88	3.15
Other Income	26	37	84	71	125	259	379	449	408
Interest	0.00	7.48	12	12	14	21	26	34	36
Depreciation	7.41	30	47	41	43	64	89	121	130
Profit Before Tax	-34	-337	-295	-142	-833	-488	77	388	409
Tax %	-76.46	-2.78	-3.12	-5.87	0.06	0.00	16.47	8.89	7.66
Net Profit	-59	-347	-304	-150	-833	-488	64	353	378
EPS in Rs	—	—	—	—	-19.91	-10.74	1.41	7.60	9.93
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	0.04	0.04	0.04	0.05	90	90	90	92
Reserves	787	489	1,265	1,990	5,322	5,386	5,781	6,340
Borrowings	0.84	90	110	110	159	227	253	322
Other Liabilities	92	172	202	230	344	551	604	775
Total Liabilities	880	751	1,576	2,331	5,915	6,254	6,729	7,529
Fixed Assets	11	119	147	125	205	313	359	418
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	650	125	1.99	138	373	622	1,358	2,173
Other Assets	219	507	1,427	2,068	5,338	5,319	5,011	4,938
Total Assets	880	751	1,576	2,331	5,915	6,254	6,729	7,529

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-83	-456	-364	29	-1,568	-299	8.65	-183
Cash from Investing Activity	-434	525	79	-1,202	-2,127	41	301	492
Cash from Financing Activity	513	0.00	1,031	759	3,621	-43	-57	-73
Net Cash Flow	-4.89	69	746	-414	-73	-300	253	236

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
FIIs	42.92%	45.36%	44.54%	44.34%	40.90%	49.26%	51.87%	49.98%	47.93%	46.06%	46.89%	43.76%
DIIs	20.55%	19.61%	21.01%	21.99%	24.65%	16.85%	16.36%	18.51%	20.63%	23.01%	23.37%	26.69%
Public	36.53%	35.03%	34.45%	33.67%	34.45%	33.89%	31.77%	31.52%	31.45%	30.93%	29.74%	29.55%
Total Shareholders	2,13,823	1,95,672	1,91,704	1,80,765	1,65,933	1,52,153	1,45,383	1,52,948	1,48,275	1,51,205	1,64,551	1,65,600

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Jun 26, 2025	Tara emerging asia liquid fund	Block	Buy	1,821.50	12.91 Cr	70,874	0.01
Jun 26, 2025	Societe generale	Block	Buy	1,821.50	95.53 Cr	5,24,467	0.11
Jun 26, 2025	Morgan stanley asia singapore...	Block	Buy	1,821.50	87.67 Cr	4,81,307	0.10
Jun 26, 2025	Morgan stanley asia singapore...	Block	Buy	1,821.50	17.21 Cr	94,499	0.02
Jun 26, 2025	Subhkam ventures i pvt ltd	Block	Buy	1,821.50	36.43 Cr	2,00,000	0.04
Jun 26, 2025	Yashish dahiya	Block	Sell	1,821.50	163.94 Cr	9,00,000	0.19
Jun 26, 2025	Tata mutual fund	Block	Buy	1,821.50	75.00 Cr	4,11,748	0.08
Jun 26, 2025	Yashish dahiya	Block	Sell	1,821.50	455.38 Cr	25,00,000	0.54
Jun 26, 2025	Goldman sachs (singapore) pte	Block	Buy	1,821.50	10.33 Cr	56,699	0.01
Jun 26, 2025	Edelweiss life insurance comp...	Block	Buy	1,821.50	10.00 Cr	54,903	0.01

Projection

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Announcements

Last 7 days

Newest

Sentiment

Stock Option Grant

3 days ago

Stock Options Grant Under ESOP 2021

PB Fintech announces the grant of 18,782 stock options to eligible employees under the PB Fintech Employees Stock Option Plan 2021.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q1 FY25

Investor Presentation

Q4 FY24

Investor Presentation

Q3 FY24

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Pb Fintech Ltd

PB Fintech Ltd

POLICYBZR

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Investment Checklist

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Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

52W High

52W Low

Technicals

Oscillators

Neutral

Overall

Bullish

Moving Averages

Bullish

Overall

Bullish

Forecasts

24

1971.56 ▲ 8.39%

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Market Transactions

Projection

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Actions

Announcements

Documents

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Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

52W High

52W Low

Financial Statements

AI Powered Summary

AI Mode

Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Investment Checklist

Peers

Price Chart Comparison

Announcements