High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Smart Money: Smart money has been increasing their position in the stock.
Balance Sheet: Strong Balance Sheet.
Profitability: Recent profitability of 9% is a good sign.
Size: It is among the top 200 market size companies of india.
Past Returns: Outperforming stock! In past three years, the stock has provided 35.6% return compared to 7.8% by NIFTY 50.
Growth: Awesome revenue growth! Revenue grew 33.1% over last year and 154.4% in last three years on TTM basis.
Dividend: Stock hasn't been paying any dividend.
Momentum: Stock has a weak negative price momentum.
Valuation | |
|---|---|
| Market Cap | 75.71 kCr |
| Price/Earnings (Trailing) | 112.46 |
| Price/Sales (Trailing) | 10.56 |
| EV/EBITDA | 85.03 |
| Price/Free Cashflow | -1.97 K |
| MarketCap/EBT | 106.84 |
| Enterprise Value | 74.96 kCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 7.17 kCr |
| Rev. Growth (Yr) | 34.6% |
| Earnings (TTM) | 670.13 Cr |
| Earnings Growth (Yr) | 53% |
Profitability | |
|---|---|
| Operating Margin | 10% |
| EBT Margin | 10% |
| Return on Equity | 9.16% |
| Return on Assets | 7.7% |
| Free Cashflow Yield | -0.05% |
Growth & Returns | |
|---|---|
| Price Change 1W | 0.70% |
| Price Change 1M | -8.7% |
| Price Change 6M | -14.3% |
| Price Change 1Y | -12.4% |
| 3Y Cumulative Return | 35.6% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | 213.77 Cr |
| Cash Flow from Operations (TTM) | 41.49 Cr |
| Cash Flow from Financing (TTM) | -81.24 Cr |
| Cash & Equivalents | 746.26 Cr |
| Free Cash Flow (TTM) | -38.41 Cr |
| Free Cash Flow/Share (TTM) | -0.83 |
Balance Sheet | |
|---|---|
| Total Assets | 8.71 kCr |
| Total Liabilities | 1.39 kCr |
| Shareholder Equity | 7.32 kCr |
| Current Assets | 4.38 kCr |
| Current Liabilities | 991.97 Cr |
| Net PPE | 430.4 Cr |
| Inventory | 0.00 |
| Goodwill | 1.38 Cr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | 18.11 |
| Interest/Cashflow Ops | 2.12 |
Dividend & Shareholder Returns | |
|---|---|
| Shares Dilution (1Y) | 0.70% |
| Shares Dilution (3Y) | 2.8% |
High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Smart Money: Smart money has been increasing their position in the stock.
Balance Sheet: Strong Balance Sheet.
Profitability: Recent profitability of 9% is a good sign.
Size: It is among the top 200 market size companies of india.
Past Returns: Outperforming stock! In past three years, the stock has provided 35.6% return compared to 7.8% by NIFTY 50.
Growth: Awesome revenue growth! Revenue grew 33.1% over last year and 154.4% in last three years on TTM basis.
Dividend: Stock hasn't been paying any dividend.
Momentum: Stock has a weak negative price momentum.
Investor Care | |
|---|---|
| Shares Dilution (1Y) | 0.70% |
| Earnings/Share (TTM) | 14.55 |
Financial Health | |
|---|---|
| Current Ratio | 4.41 |
| Debt/Equity | 0.00 |
Summary of PB Fintech's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Management expressed a positive outlook for PB Fintech, highlighting a year-on-year revenue growth of 42%, reaching Rs.29,934 Cr, driven primarily by new protection premiums up 57%. The company reported a profit after tax (PAT) of Rs.670 Cr, representing 2.2% of total premiums. For Q4 FY26, insurance premiums grew 46% YOY while the core online insurance premium increased by 39% over the year. The management noted an accelerating growth trend, particularly in the new protection business (up 57% for the year, 67% for the quarter) and health insurance (up 68% for the year).
Notably, the renewal revenue showed robust performance, rising from Rs.668 Cr to Rs.935 Cr, and highlighting a significant growth of 63% YOY to an annual recurring revenue (ARR) of Rs.1,126 Cr for the quarter. The shift towards including new business in revenue generation was emphasized, with a consistent 30-40% range expected to accelerate towards 59% for the upcoming quarters.
Management also indicated the strategic focus on leveraging AI to enhance sales productivity and optimize customer service rather than immediate margin improvement. The intention to pursue sector-wide recognition regarding commission structures and potential regulatory changes were addressed, indicating careful monitoring of market dynamics without current plans for significant investments beyond existing priorities.
In summary, with sustained growth trajectories, increased customer engagement, and a commitment to expanding product offerings, the management remains optimistic about future profitability and market share expansion.
Here are the major questions asked during the earnings call along with the respective answers directly summarized from the transcript:
1. Question by Sachin Salgaonkar: "What's driving the new insurance premium growth? Any color on the product mix and how you foresee this growth in coming years?"
Answer: We attribute the strong growth to a superior product proposition and enhanced claims experience. Our modular products and the ability to better serve diverse customer needs have significantly contributed. Going forward, we project a steady growth rate of about 30%, which we historically outperform.
2. Question by Sachin Salgaonkar: "Can you quantify the margin benefits expected from AI implementation in the medium term?"
Answer: Currently, we are focused on optimizing productivity rather than margins, leveraging AI to improve customer experience and sales team efficiency. Long-term benefits from AI are still being evaluated, but we anticipate improvements as our teams increasingly integrate AI tools.
3. Question by Sachin Salgaonkar: "What new areas of investment or growth opportunities are being considered, especially regarding PB Health?"
Answer: We are not currently exploring new investments or opportunities. PB Health is looking to raise capital, which hasn't been approached with us yet, but we do retain the right to maintain our stake when they do.
4. Question by Jayant Kharote: "Can you break down the margins for Paisabazaar and the insurance business?"
Answer: We do not typically share such granular details, but both are performing well at a contribution level, with insurance marginally better. As for Paisabazaar, it's positive on an operating basis.
5. Question by Dipanjan Ghosh: "How do you differentiate yourself in a competitive landscape becoming digital native for various financial products?"
Answer: Policybazaar remains focused on solving the social security issue for the middle class by providing necessary products like health, term insurance, and pensions. Meanwhile, Paisabazaar will leverage its large consumer base for cross-selling products like bonds and mutual funds.
6. Question by Prayesh Jain: "Has there been an increase in long-term policies? Are new customers showing different purchasing trends?"
Answer: While the proportion of long-term policies hasn't changed significantly, we see an increase in customers opting for higher sum insured policies and multi-year options, especially driven by enhanced awareness and claims experience.
7. Question by Sanketh Godha: "What are your thoughts on the potential profitability of PB Corporate and how do you view the contributions versus the POSP business?"
Answer: PB Corporate is growing rapidly, with a focus on quality and investment for future strength. We foresee it becoming more profitable than the POSP segment as we leverage our strengths across various areas, emphasizing growth and quality over immediate profits.
These summaries encapsulate the key inquiries and responses from the Q&A section of the earnings call transcript.
Analysis of PB Fintech's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Mar 31, 2026
| Description | Share | Value |
|---|---|---|
| Insurance broker services | 92.2% | 1.9 kCr |
| Other services | 7.8% | 160.7 Cr |
| Total | 2.1 kCr |
Understand PB Fintech ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| Macritchie Investments Pte Ltd | 6.47% |
| Info Edge (India) Limited | 6.47% |
| Nps Trust- A/C Sbi Pension Fund Scheme - State Govt | 4.17% |
| Diphda Internet Services Limited | 4.08% |
| YASHISH DAHIYA | 3.86% |
| Axis Focused Fund Account | 2.32% |
| Franklin India Focused Equity Fund | 2.09% |
| Startup Investments (Holding) Limited | 1.87% |
| Hdfc Life Insurance Company Limited | 1.59% |
| Nippon Life India Trustee Ltd-A/C Nippon India Large Cap Fund | 1.59% |
| Canara Robeco Mutual Fund A/C Canara Robeco Large And Mid Cap Fund | 1.39% |
| Icici Prudential Multicap Fund | 1.38% |
| Tata Aia Life Insurance Co Ltd-Whole Life Mid Cap Equity Fund-Ulif 009 04/01/07 Wle 110 | 1.29% |
| Tata Digital India Fund | 1.2% |
| ALOK BANSAL | 1.16% |
| Vanguard Total International Stock Index Fund | 1.08% |
| Motilal Oswal Midcap Fund | 1.07% |
| Tencent Cloud Europe B.V. | 1.05% |
| Axis Max Life Insurance Limited A/C - Ulif01311/02/08lifehighgr104 - High Growth Fund | 1.05% |
| Vanguard Emerging Markets Stock Index Fund, A Series Of Vanguard International Equity Index Funds | 1.01% |
Distribution across major stakeholders
Distribution across major institutional holders
Detailed comparison of PB Fintech against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| HDFCLIFE | HDFC LIFE INSURANCE Co. | 1.65 LCr | - | -4.60% | -24.10% | - | - | - | - |
| PAYTM | One 97 Communications | 69.59 kCr | 9.29 kCr | -0.90% | +21.00% | 125.84 | 7.49 | - | - |
| SBICARD | SBI CARDS AND PAYMENT SERVICES | 57.82 kCr | 20.71 kCr | -3.60% | -38.10% | 26.7 | 2.79 | - | - |
| ANGELONE | ANGEL ONE | 31.03 kCr | 5.15 kCr | -1.70% | +15.20% | 33.78 | 6.02 | - | - |
| FIVESTAR | Five-Star Business Finance | 15.33 kCr | 3.25 kCr | +8.30% | -33.90% | 13.92 | 4.72 | - | - |
| EASEMYTRIP | Easy Trip Planners | 3 kCr | 573.45 Cr | -5.80% | -28.30% | 26 | 5.24 | - | - |
Comprehensive comparison against sector averages
POLICYBZR metrics compared to Financial
| Category | POLICYBZR | Financial |
|---|---|---|
| PE | 112.46 | 15.34 |
| PS | 10.56 | 2.22 |
| Growth | 33.1 % | 4.4 % |
PB Fintech is a prominent Financial Technology (Fintech) company, listed under the stock ticker POLICYBZR. With a market capitalization of Rs. 74,269.8 Crores, it operates an extensive online platform for insurance and lending products, both in India and internationally.
The company's operations are divided into two distinct segments: Insurance Services and Other Services. Through its flagship platform, Policybazaar, consumers can purchase a variety of insurance products, including health, term, motor, and travel insurance. Additionally, Policybazaar offers savings and investment products, along with B2B services tailored for consumers and insurance partners.
Moreover, PB Fintech is known for Paisabazaar, an independent digital lending platform that assists users in comparing, choosing, and applying for personal credit products, such as personal loans, business loans, home loans, credit cards, and loans against property.
Beyond these services, the company also provides:
Founded in 2008 and headquartered in Gurugram, India, PB Fintech reported a trailing 12 months revenue of Rs. 4,963.9 Crores and has experienced a 38.6% growth in revenue over the past year. However, it is notable that the company has diluted its shareholders' stakes by 2.2% over the last three years.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
POLICYBZR vs Financial (2022 - 2026)