What is PB Fintech Ltd (POLICYBZR) share price return in the past 10 years?

Data is not available for this company

What is the share price of PB Fintech Ltd (POLICYBZR)?

Company share prices are keep on changing according to the market conditions. The current trading price of PB Fintech Ltd (POLICYBZR) on 05-Jun-2026 16:59:59 at 16:59 is 1534.60.

What is the P/E ratio of PB Fintech?

The latest standalone P/E ratio of PB Fintech as of 05-Jun-2026 is 1716.12.

What is the P/B ratio of PB Fintech Ltd (POLICYBZR)?

The latest standalone P/B ratio of PB Fintech Ltd (POLICYBZR) as of 05-Jun-2026 is 8.68.

What is the 52-week high and low of PB Fintech Ltd (POLICYBZR)?

The 52-week high of PB Fintech Ltd (POLICYBZR) is Rs. 1977.75 and the 52-week low is Rs. 1334.20.

PB Fintech Ltd (POLICYBZR) Share Analysis – Quality, Growth & Valuation Zone & DeciZen Rating

Name: PB Fintech Ltd (POLICYBZR)
Brand: PB Fintech

Key Metrics

Valuation Multiples

Market Cap

₹71,116 Cr.

Current Price

₹1,534.6

52-Week Low / High

₹1,334 / 1,978

TTM EPS

₹0.9

TTM Sales

₹208 Cr.

Book Value per Share

₹177.2

P/E Ratio

1716.12

Industry PE

126

Price to Book (P/B)

8.68

Higher than its 5-year historical median

Price to Sales (P/S)

341.30

Lower than its 5-year historical median

EV/EBITDA

1630.40

Higher than its 5-year historical median

Dividend Yield

0.00%

Profitability Efficiency

Return on Equity (ROE)

0.19%

Outperforms industry median

Return on Capital Employed (ROCE)

0.19%

Outperforms industry median

Return on Assets (ROA)

0.17%

Operating Profit Margin

-165.7%

Net Profit Margin

8.78%

Gross Profit Margin

2.5%

Growth Momentum
1-yr vs 3-yr growth

Sales Growth (1 Year)

Improving versus 3-year growth rate

39.12%

Operating Profit Growth (1 Year)

Net Profit Growth (1 Year)

-62.78%

Asset Quality

Promoter Holding

0.00%

Pledged shares (%) of Promoter's holding (%)

0.00%

Reserves

₹8,104 Cr.

Equity

₹92.5 Cr.

Face Value

₹2

All Time Low / High

₹356.20 / 2254.95

PB Fintech stock performance

Key Ratios

Check Before You Invest

Quality

Not Good

Check detailed performance

Valuation

Fair

Check Valuation charts

Price Trend

Semi Strong

Check Price chart

Q.1 Is PB Fintech Ltd a good quality company?

PB Fintech Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.
How efficiently has it utilized Capital?
By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.
How is it managing its Debt?
By checking its Debt to Equity and Cash Flow from Operations.

How does PB Fintech Ltd performance compare with that of its Peers?

Q.1 Revenue growth of PB Fintech Ltd vs industry peers?

PB Fintech Ltd revenue CAGR is 20.22%, compared to the industry median CAGR of 16.12%, indicating faster growth and gaining its market share.

Q.1 Promoter shareholding and pledge status of PB Fintech Ltd?

Promoters hold 0.00% of the PB Fintech Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Q.1 Stock return of PB Fintech Ltd over the last decade?

Over the last 3 year(s), the stock has delivered a CAGR of 41.91% based on the current price.

DeciZen - make an informed investing decision on PB Fintech

Standalone basis

1. Right Stock

10 Year X-ray Pro

Long Term Prospect

2. Right Price

Price Chart

3. Right Time ⓘ

#Likely Future 5 Year CAGR.

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Value Creation ⓘ

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
ROCE % ⓘ	-34.7%	13.2%	-3.1%	-0.7%	1.4%	1.2%	-6.1%	-1%	0.6%	0.2%	-
Value Creation Index ⓘ	-4.1	0.2	-1.3	-1.1	-0.9	-0.9	-1.5	-1.1	-1.0	-1.0	-
Growth Parameters ⓘ
Sales ⓘ	50.1	105	79.2	50	61.1	123	103	134	110	153	208
Sales YoY Gr.	-	109.1%	-24.5%	-36.9%	22.3%	102%	-16.4%	30%	-17.8%	39.1%	-
Adj EPS ⓘ	-8.4	6.9	-6.9	-4	-3.9	1.6	-6.7	-1.6	0.8	0.1	0.9
YoY Gr.	-	NA	-199.6%	NA	NA	NA	-506.7%	NA	NA	-91.4%	-
BVPS (₹) ⓘ	35.2	45.5	97.1	90.9	203.6	244.3	143	145.7	149	162	177.2
Adj Net Profit ⓘ	-75.2	62.4	-62.2	-38.2	-37.4	18.7	-300	-72.8	36.4	3.4	42
Cash Flow from Ops. ⓘ	-55.7	87.4	-57.2	-199	-111	70.8	-56.7	-5	42.6	-103	-
Debt/CF from Ops. ⓘ	0	0	0	0	0	0	0	0	0	0	-

CAGR ⓘ

	9 Years	5 Years	3 Years	1 Years
Sales ⓘ	13.2%	20.2%	14.1%	39.1%
Adj EPS ⓘ	NA	NA	NA	-91.4%
BVPSⓘ	18.5%	-4.5%	4.2%	8.7%
Share Price	-	-	35%	-19.9%

Key Financial Parameters ⓘ

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Return on Equity % ⓘ	-32.8	15.8	-9.1	-4.1	-2.5	0.8	-6.1	-1	0.5	0	0.5
Op. Profit Mgn % ⓘ	-149.7	29	-54.3	-79	-46.1	-16.4	-396.7	-196.9	-184.8	-165.8	-81.5
Net Profit Mgn % ⓘ	-150	59.5	-78.6	-76.5	-61.2	15.1	-290.4	-54.2	33	2.2	20
Debt to Equity ⓘ	0	0	0	0	0	0	0	0	0	0	0
Working Cap Days ⓘ	337	190	260	590	547	254	2,397	5,781	9,019	5,438	1,373
Cash Conv. Cycle ⓘ	95	-87	-27	22	24	20	26	3	-28	-36	1,322

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Sales	50	105	79	50	61	123	103	134	110	153
Operating Expenses ⓘ +	146	74	122	89	89	144	513	400	314	408
Manufacturing Costs	0	0	0	0	0	1	0	1	1	1
Material Costs	0	0	0	0	0	0	0	0	0	0
Employee Cost	34	21	31	33	76	130	484	382	238	169
Other Costs ⓘ	111	53	92	56	13	13	29	18	75	238
Operating Profit ⓘ	-96	30	-43	-39	-28	-20	-409	-266	-204	-254
Operating Profit Margin (%)	-191.0%	29.0%	-54.3%	-79.0%	-46.1%	-16.4%	-396.0%	-198.0%	-184.0%	-165.0%
Other Income ⓘ +	19	23	25	34	87	56	114	197	252	258
Exceptional Items ⓘ	0	0	0	0	-29	-2	0	0	-0	14
Interest ⓘ	0	0	0	0	1	2	1	1	1	0
Depreciation ⓘ	2	1	3	1	9	4	4	4	3	3
Profit Before Tax ⓘ	-79	52	-21	-6	19	27	-300	-74	44	15
Tax ⓘ	0	-26	26	9	9	8	-1	0	8	1
Profit After Tax	-79	77	-47	-16	10	19	-300	-74	36	13
PAT Margin (%)	-158.0%	73.9%	-59.0%	-31.7%	15.9%	15.4%	-290.0%	-55.3%	32.8%	8.8%
Adjusted EPS (₹)	-8.8	8.6	-5.2	-1.7	1.0	1.7	-6.7	-1.7	0.8	0.3
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Valuation of PB Fintech - Standalone

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Shareholders Fund +	318	410	877	864	1,935	2,786	6,429	6,558	6,723	7,441
Share Capital ⓘ	1	1	1	1	1	1	90	90	90	92
Reserves ⓘ	317	409	876	863	1,934	2,785	6,339	6,468	6,633	7,349
Debt +	0	0	0	0	0	0	0	0	0	0
Long Term Debt	0	0	0	0	0	0	0	0	0	0
Short Term Debt	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
Trade Payables	14	55	40	2	3	3	9	4	51	35
Others Liabilities ⓘ	32	11	42	102	125	217	494	825	1,040	584
Total Liabilities ⓘ	364	476	959	968	2,064	3,007	6,932	7,387	7,814	8,059
Fixed Assets
Net Fixed Assets ⓘ +	6	3	2	2	3	16	11	8	6	3
Gross Block	15	5	7	5	11	24	23	23	23	23
Accumulated Depreciation	9	3	6	3	8	8	11	15	18	21
CWIP ⓘ	0	0	0	0	0	0	0	0	0	0
Investments ⓘ	276	394	885	659	914	1,146	2,416	3,903	4,840	5,370
Inventories	0	0	0	0	0	0	0	0	0	0
Trade Receivables	27	30	28	4	8	12	6	1	2	1
Cash Equivalents	29	23	16	202	1,068	1,751	3,243	489	504	577
Others Assets ⓘ	27	26	29	101	70	81	1,256	2,987	2,461	2,108
Total Assets ⓘ	364	476	959	968	2,064	3,007	6,932	7,387	7,814	8,059

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ +	-56	87	-57	-199	-111	71	-57	-5	43	-103
PBT ⓘ	-79	52	-21	-6	19	30	-300	-74	44	15
Adjustment ⓘ	15	-19	-15	11	-26	33	336	150	-52	-146
Changes in Working Capital ⓘ	5	58	-29	-206	-98	14	-86	-76	76	47
Tax Paid ⓘ	3	-4	8	2	-6	-6	-7	-4	-25	-19
Cash Flow From Investing Activity ⓘ +	-248	-78	-463	231	-170	-1,283	-3,748	-180	95	316
Capex	-5	-0	-2	-1	-1	-0	-0	-0	0	-1
Net Investments	-192	66	-441	575	171	-1,093	-2,952	1,031	341	180
Others ⓘ	-51	-144	-20	-343	-340	-190	-797	-1,211	-245	137
Cash Flow From Financing Activity ⓘ +	315	0	513	0	1,050	776	3,642	-3	-3	-3
Net Proceeds from Shares ⓘ	315	0	513	0	1,059	0	3,645	0	0	2
Net Proceeds from Borrowing ⓘ	0	0	0	0	0	0	0	0	0	0
Interest Paid ⓘ	0	0	0	0	-1	-1	-1	-1	-1	-0
Dividend Paid ⓘ	0	0	0	0	0	0	0	0	0	0
Others ⓘ	0	0	0	0	-8	777	-2	-3	-3	-4
Net Cash Flow ⓘ	11	9	-7	32	769	-436	-163	-188	134	210

Financial Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Ratios
ROE (%)	-39.01	21.33	-7.27	-1.82	0.7	0.81	-6.5	-1.14	0.55	0.19
ROCE (%)	-34.65	13.15	-3.11	-0.68	1.36	1.19	-6.08	-1.03	0.6	0.19
Asset Turnover Ratio	0.2	0.25	0.11	0.05	0.04	0.05	0.02	0.02	0.01	0.02
PAT to CFO Conversion(x)	N/A	1.13	N/A	N/A	-11.1	3.74	N/A	N/A	1.19	-7.92
Working Capital Days
Receivable Days	147.40	99	133.40	115.80	35.50	29.10	31	8.80	4.50	2.90
Inventory Days	0	0	0	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	0

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

PB Fintech Ltd FAQs

The current trading price of PB Fintech on 05-Jun-2026 16:59 is ₹1,534.6.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 04-Jun-2026 the market cap of PB Fintech stood at ₹71,115.9 Cr

The latest P/E ratio of PB Fintech as of 04-Jun-2026 is 1,716.1.

The latest P/B ratio of PB Fintech as of 04-Jun-2026 is 8.68.

The 52-week high of PB Fintech is ₹1,977.8 and the 52-week low is ₹1,334.2.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of PB Fintech is ₹208 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that PB Fintech Ltd is a below average quality company.

The key valuation ratios of PB Fintech Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of PB Fintech Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About PB Fintech Ltd

PB Fintech has built India’s largest online platform for insurance and lending products leveraging the power of technology, data and innovation. It provides convenient access to insurance, credit and other financial products and aim to create awareness amongst Indian households about the financial impact of death, disease and damage. Through its consumer-centric approach, it seeks to enable online research-based purchases of insurance and lending products and increase transparency, which enables consumers to make informed choices. It also facilitates its Insurer and Lending Partners in the financial services industry to innovate and design customised products for Consumers leveraging its extensive data insights and data analytics capabilities. The company launched Policybazaar, its flagship platform, in 2008 to respond to Consumers’ need for more awareness, choice and transparency and create a consumer-pull based, provider-neutral model for insurance distribution.

The company primarily generate revenues from the following sources: (i) for its Policybazaar business, from insurance commission that it receive from its Insurer Partners, and additional services that it provide to Insurer Partners such as telemarketing and other services relating to sales and post-sales services, account management, premium collection and various other services, (ii) for its Paisabazaar business, from the commission that it receive from its Lending Partners, credit advisory and related services that it provide to its Consumers or Lending Partners, and marketing services that it provide to financial services partners and other third parties, and (iii) for the Company, from providing online marketing, consulting and technology services to Insurer and Lending Partners.

Business area of the company

The company is an integrated online marketing and consulting company and is in the business of rendering online marketing and information technology consulting/support services largely for the financial service industry, including insurance. The company provides convenient access to insurance, credit, and other financial products and aims to create awareness in India about the financial impact of death, disease, and damage.

Product offerings

Protection solutions: Health Insurance, Term Insurance, and other protective covers.
Compliance-led products: Motor Insurance, Travel Insurance, and mandatory covers.
Child education planning, pensions, savings & investment options: A suite of products for long-term financial growth and security.

Awards and Accreditations:

Paisabazaar

2017: ‘Best Digital Platform for Credit Cards’ at the Economic Times cards and Payment Summit
2017: ‘Best Customer Experience Innovation in Fintech’ by Moneytech Awards.
2017: ‘Startup of the Year’ by Moneytech Awards.
2018: Economic Times’ Most Promising Brand.
2018: ‘Best Fintech Startup 2018’ at the Drivers of Digital Awards.
2019: ‘Most Innovative Lending Startup’ by India Fintech Forum.
2021: Outstanding Crisis Finance Innovation 2021 (Asia Pacific) Award by Global Finance Magazine.
2021: Payment and Fintech Award for Excellence in Consumer Lending at the India Digital Awards, organized by the Internet and Mobile Association of India.
2021: Digital Lending Award at the Fintech India Innovation Awards.
2022: Best Fintech Consumer Lender at India Fintech Awards.
2022: Best Content In A Youtube Campaign At India Content Leadership Awards.
2022: Best Content In An Online PR Campaign At India Content Leadership Awards.
2022: Best PR Campaign At Master Of Modern Marketing Awards.
2023: Best Lending Fintech at Bharat Fintech Awards.
2023: GOLD for Online Video at Digital Crest Awards, Campaign India.
2023: BRONZE for Viral Marketing Campaign at Digital Crest Awards, Campaign India.
2023: MERIT AWARD for Audio Video Digital at The Abbys, Goafest.
2023: MERIT AWARD for Best Use of Music at The Abbys, Goafest.
2024: Paisabazaar was honored at the Brand Storyz by afaqs! awards, winning across multiple categories for its impactful brand efforts.

Policybazaar

2018: ‘Best Fintech Marketing Campaign’ award by the ‘India Fintech Forum’ at the India FinTech Awards (IFTA) 2018.
2018: ‘Ecomonic Times Best Brands - Insuretech’ award by Economic Times.
2019: Certification for ‘Great Place to Work’ received by Policybazaar.
2019: ‘Insurtech of the Year’ award at the 23rd Asia Insurance Industry Awards.
2020: ‘FE Best Banks’ award in the Fintech category by Financial Express.
2021: ‘Communications Team of the year’ award at the Kaleido Awards
2021: ‘Best Insurtech of the year’ award at the Business Leader of the Year awards presented by World Leadership Congress and Awards.
2022: Successful use of technology - PB Meet (Bronze) at ACEF.
2022: Best customer service initiative (Gold) at Transformance.
2022: Best Customer Experience Initiative’ at InsureNext Awards.
2022: Best use of technology in Fintech - PB Meet at India Digital Awards.
2022: Best in-house comms team (Silver) at IPRCCA.
2023: Best use of influencers for PB Paap vs Ghor Paap at IMA.
2023: Best Pivot Initiative for PB Pay as You Drive at IMA
2023: Best use of TV for Life ka U Turn at IMA
2023: Best TV Ad for PB Paap vs Ghor Paap at Prime Time Awards
2023: Best Integrated TV campaign for PB Paap vs Ghor Paap at Prime Time Awards.
2024: Best Fintech Campaign for Women Term Insurance Campaign at Stakes 2024.
2024: Best Customer Experience Campaign of the Year for PB Advantage at The Great India Corporate Communications Summit 2024.
2024: Best Insurtech at FICCI PICUP awards 2024.
2024: Best Insurtech & best CEO at BW Festival of Fintech 2024.
2024: Best Launch or Relaunch Of A Product for 'PB Claims ka Superhero' at E4M Health and Wellness Awards 2024.
2024: Best Use of Brand Awareness for 'Har Family Hogi Insured' at E4M Health and Wellness Awards 2024.

Milestone:

2008: Incorporation of the Company.
2008: Investment of $4 million by Info Edge in the Company.
2010: Commencement of health insurance related activities.
2012: Registration of one of the subsidiaries of the Company as an insurance web aggregator with the IRDAI.
2015: Registration of Paisabazaar as a investment adviser with SEBI.
2018: Built an in-house actuarial analytics team in respect of retail customer sales.
2018: Reached the $1 billion valuation mark with Series F investment.
2018: Commencement of operations in the United Arab Emirates by PFFL.
2021: Registration of Policybazaar as an insurance broker with IRDAI.
2022: PB Fintech’s platform reaches $1.1 billion annualized loan disbursal rate.
2022: PB Fintech’s platform launches ‘Paisa on Demand’ with RBL Bank.
2022: PB Fintech’s platform ties up with insurance companies to launch ‘Zero Cost Term plan’.
2023: PB Fintech makes further investment of Rs 350 crore in Policybazaar Insurance Brokers.
2023: PB Fintech’s arm -- PB Financial Account Aggregators gets RBI’s in- principle nod to set up business of account aggregator.
2024: PB Fintech incorporates wholly-owned subsidiary.
2025: PB Fintech’s arm -- PB Pay gets nod from RBI to operate as Online Payment Aggregator.
2025: PB Fintech incorporates new step-down subsidiary in Dubai.

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
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SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
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Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
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PB Fintech Ltd (POLICYBZR)

PB Fintech Ltd (POLICYBZR)

PB Fintech stock performance

Check Before You Invest

Quality

Valuation

Price Trend

DeciZen - make an informed investing decision on PB Fintech

1. Right Stock

2. Right Price

3. Right Time ⓘ

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Value Creation ⓘ

Growth Parameters ⓘ

CAGR ⓘ

Key Financial Parameters ⓘ

Profit And Loss

Valuation of PB Fintech - Standalone

Price Calculator

Price Chart

Price to Earnings

Price to Sales

Price to Book

EV to EBITDA

Dividend History

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

Balance Sheet

Equity and Liabilities

Fixed Assets

Cash Flow

Financial Ratio

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

PB Fintech Ltd FAQs

What is the share price of PB Fintech?

What is the market cap of PB Fintech?

What is the P/E ratio of PB Fintech?

What is the P/B ratio of PB Fintech?

What is the 52-week high and low of PB Fintech?

What is the TTM revenue of PB Fintech?

Is PB Fintech Ltd a good quality company?

Is PB Fintech Ltd undervalued or overvalued?

Is PB Fintech Ltd a good buy now?

About PB Fintech Ltd

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