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PB Fintech Limited (POLICYBZR.NS)

INR1,566.90 -27.70 (-1.74%)
IN NSE Financial Services Insurance - Brokers
Address Plot No. 119 122001
Gurugram, IN
CEO Yashish Dahiya
IPO 2021-11-15
ISIN INE417T01026

Explore sections of this company profile

Also trades on Bombay Stock Exchange · POLICYBZR.BO (INR) National Stock Exchange of India · POLICYBZR.NS (INR)
Description

PB Fintech Limited, an Indian enterprise, provides a comprehensive digital platform facilitating access to various insurance and credit solutions. The company's operations are distinctly segmented into Insurance Web Aggregator Services and a broader category of Other Services. Its flagship online portal, Policybazaar, serves as a marketplace where both individual consumers and insurance partners can purchase and sell a diverse range of insurance products, encompassing term life, health, motor vehicle, home, and travel coverage. Complementing this, Paisabazaar functions as an independent digital lending platform, empowering users to compare, select, and apply for numerous personal financing options, including personal, business, and home loans, alongside credit cards and loans secured against property. Beyond these primary platforms, PB Fintech also extends services such as call center and online healthcare assistance, digital marketing, consulting, and support. Furthermore, it offers aid with motor vehicle claims and related support, and actively engages in promoting insurance products through online, offline, and direct marketing channels. The company was founded in 2008 and is headquartered in Gurugram, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR1,566.90 -27.70 (-1.74%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.36
Float Shares
343.57M
Free Float %
74.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.89% -5.73% +7.14% +4.12% -9.44% -11.39% -4.73% +166.73% +34.54% +34.54% +34.54%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1,566.90
Ratings Trend (MoM) 67% Bullish
Rating 2026-05 Change
Strong Buy 3 0
Buy 13 0
Hold 4 0
Sell 2 0
Strong Sell 2 0
Quality scores
Altman Z-Score
33.57
Safe zone
Piotroski F-Score
5 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Brokers: +8.0%
    +36.5% Q1'26: +36.7% (vs Q1'25)
  • EPS growth Insurance - Brokers: +30.1%
    +89.0% Q1'26: +52.9% (vs Q1'25)
  • FCF margin FCF growth · Insurance - Brokers: +26.6%
    -4.1% Q1'26: -6.7% (vs Q1'25)
  • EBIT margin Insurance - Brokers: +19.1%
    +5.5% Q1'26: +8.9% (vs Q1'25)
  • ROIC Insurance - Brokers: +6.4%
    +6.4% Q1'26: +12.7% (vs Q1'25)
  • Share dilution Insurance - Brokers: -0.6%
    +0.4% Q1'26: +0.1% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Brokers: -0.02×
    0.71× Q1'26: 0.41× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.38) × ERP
WACC = 100% × Ke + 0% × Kd (10.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 1,566.90
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
24 Rev. Ana.
19 EPS Ana.
Mar 2027
22 Rev. Ana.
19 EPS Ana.
Mar 2028
22 Rev. Ana.
18 EPS Ana.
Mar 2029
11 Rev. Ana.
9 EPS Ana.
Mar 2030
7 Rev. Ana.
3 EPS Ana.
Mar 2031
7 Rev. Ana.
4 EPS Ana.
Revenue
14.25B
est: 13.89B (+2.6%)
25.58B
est: 25.37B (+0.8%)
34.38B
est: 37.83B (-9.1%)
49.77B
est: 49.33B (+0.9%)
67.17B
64.98B – 68.93B
+36.2% YoY
87.77B
83.06B – 93.31B
+30.7% YoY
112.03B
101.84B – 124.68B
+27.6% YoY
141.93B
141.93B – 141.93B
+26.7% YoY
181.17B
167.65B – 197.67B
+27.6% YoY
294.58B
272.60B – 321.40B
+62.6% YoY
EBITDA
-7.77B
est: -1.77B (-338.3%)
-4.03B
est: -3.24B (-24.4%)
1.92B
est: -3.50B (+154.9%)
5.43B
est: -4.57B (+218.9%)
-6.22B
-6.38B – -6.02B
-36.2% YoY
-8.12B
-8.64B – -7.69B
-30.7% YoY
-10.37B
-11.54B – -9.43B
-27.6% YoY
-13.14B
-13.14B – -13.14B
-26.7% YoY
-16.77B
-18.30B – -15.52B
-27.6% YoY
-27.27B
-29.75B – -25.23B
-62.6% YoY
EBIT
-8.20B
est: -2.19B (-273.6%)
-4.67B
est: -4.01B (-16.4%)
1.04B
est: -4.45B (+123.3%)
4.21B
est: -5.80B (+172.7%)
-7.90B
-8.11B – -7.64B
-36.2% YoY
-10.32B
-10.97B – -9.77B
-30.7% YoY
-13.18B
-14.66B – -11.98B
-27.6% YoY
-16.69B
-16.69B – -16.69B
-26.7% YoY
-21.31B
-23.25B – -19.72B
-27.6% YoY
-34.64B
-37.80B – -32.06B
-62.6% YoY
Net Income
-8.33B
est: -8.77B (+5.1%)
-4.87B
est: -5.15B (+5.5%)
669.80M
est: 1.39B (-51.7%)
3.53B
est: 3.14B (+12.3%)
6.70B
6.13B – 7.17B
+113.1% YoY
11.03B
9.69B – 12.59B
+64.7% YoY
15.45B
11.87B – 20.78B
+40.1% YoY
20.81B
16.23B – 23.86B
+34.6% YoY
28.52B
25.75B – 31.89B
+37.0% YoY
36.97B
33.39B – 41.35B
+29.7% YoY
SGA
9.25B
est: 6.06B (+52.8%)
14.11B
est: 11.06B (+27.5%)
9.65B
est: 17.04B (-43.4%)
11.82B
est: 22.22B (-46.8%)
30.25B
29.27B – 31.05B
+36.2% YoY
39.53B
37.41B – 42.03B
+30.7% YoY
50.46B
45.87B – 56.16B
+27.6% YoY
63.93B
63.93B – 63.93B
+26.7% YoY
81.60B
75.52B – 89.03B
+27.6% YoY
132.68B
122.79B – 144.77B
+62.6% YoY
EPS
-20.34
est: -19.02 (-7.0%)
-10.97
est: -11.17 (+1.8%)
1.50
est: 3.09 (-51.4%)
7.77
est: 6.71 (+15.7%)
14.26
13.24 – 15.49
+112.4% YoY
23.67
20.91 – 27.17
+66.0% YoY
33.55
25.61 – 44.85
+41.7% YoY
44.57
35.03 – 51.49
+32.9% YoY
61.55
55.58 – 68.84
+38.1% YoY
79.80
72.06 – 89.25
+29.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-08 B- 2/5 1/5 3/5 5/5 3/5 1/5 1/5
2026-05-07 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-06 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-05 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-04 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-30 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-29 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-28 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-27 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-24 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-23 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-22 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-21 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-20 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-17 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-16 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-15 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.46B
OE per share TTM
3.14
Owner's Yield
0.19%
Maintenance CapEx ratio
35.78%
Maint CapEx / Avg PPE
9.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
260.7K
Shares Outstanding
463.20M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Yashish Dahiya Executive Chairman & Chief Executive Officer 6B male
Alok Bansal Co-Founder & Executive Vice Chairman 2B male
Sarbvir Singh Executive Director & Joint Group Chief Executive Officer 584M male
Deepti Rustagi Group Head of Legal & Compliance female
Mandeep Mehta Group Chief Financial Officer male
Naveen Kukreja Group President male
Rajiv Kumar Gupta President of Group Strategic Initiative & Public Policy and Chief Risk Officer
Rasleen Kaur Group Head of Corporation Strategy & Investor Relation female
Santosh Agarwal Chief Executive Officer of Paisabazaar Marketing and Consulting Pvt. Ltd female
Saurabh Tiwari Chief Technology Officer male
Srikanth Balakrishnan Vice President of Technology
Tarun Mathur CEO & Principal Officer of Policybazaar
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits