Dashboard/POLICYBZR

POLICYBZR

OVERVALUED

PB Fintech (PolicyBazaar)

New Economy · NSE

↓ 483.8% vs fair value

52W Low

₹1,364

+7.8% from low

52W High

₹1,978

-25.7% from high

News sentiment (0 articles)

0 bull0 neutral0 bear

Valuation Gauge

OVERVALUED-483.8% Margin of Safety

OVERVALUEDFAIRLY VALUEDUNDERVALUED

Current Price

₹1,470

Fair Value

₹252

Fair Value Analysis

₹252

Based on earnings growth potential for New Economy sector companies

Low confidence

Growth Valuation

100% weight

₹252

Price vs Market

POLICYBZR

Nifty 50

Shareholding Pattern

Stock Health Score

Mixed Signals

4.9 / 10

67% data

Profitability

8/10

ROE of 8.6% is acceptable for New Economy sector (benchmark: 15%)

Debt & Leverage

10/10

D/E ratio of 0.0x is well within the New Economy sector norm of 0.8x — strong balance sheet

Valuation vs Peers

1/10

P/E of 113.2x is 2.8x the New Economy sector median of 40x — expensive

Cash Flow

1/10

Negative FCF of ₹-280 Cr — company is consuming more cash than it generates

Earnings Growth

5/10

Growth data unavailable — scored neutral

Dividend

4/10

No dividend — typical for growth-stage companies

Sentiment Trend — Last 30 Days

Historical Returns

Key Financials

EPS (TTM)

₹12.6

P/E Ratio

113.2x

P/B Ratio

9.7x

ROE

8.6%

ROCE

6.2%

Debt / Equity

0.05x

Beta

0.27

Div Yield

—

FCF (Cr)

₹-280 Cr

Revenue (Cr)

₹4,977 Cr

EPS Growth 5Y

—

Mkt Cap (Cr)

₹66,093 Cr

52W High

₹1,978

52W Low

₹1,364

Book Value/Share

₹146.5

Financial History

Period	Revenue	Op Profit	OPM%	PAT	EPS
TTM	₹6.2K Cr	₹404 Cr	6.0%	₹580 Cr	₹12.59
2025-03-31	₹5.0K Cr	₹94 Cr	2.0%	₹353 Cr	₹7.69
2024-03-31	₹3.4K Cr	₹-188 Cr	-5.0%	₹64 Cr	₹1.48
2023-03-31	₹2.6K Cr	₹-662 Cr	-26.0%	₹-488 Cr	₹-10.82
2022-03-31	₹1.4K Cr	₹-901 Cr	-63.0%	₹-833 Cr	₹-18.53
2021-03-31	₹887 Cr	₹-160 Cr	-18.0%	₹-150 Cr	₹-6583.70
2020-03-31	₹771 Cr	₹-320 Cr	-41.0%	₹-304 Cr	₹-80007.89
2019-03-31	₹492 Cr	₹-336 Cr	-68.0%	₹-347 Cr	₹-91265.79
2018-03-31	₹334 Cr	₹-52 Cr	-16.0%	₹-59 Cr	₹-16396.12
2016-03-31	₹90 Cr	₹-142 Cr	-157.0%	₹-110 Cr	₹-30600.00
2015-03-31	₹78 Cr	₹-72 Cr	-92.0%	₹-64 Cr	₹-17719.44

Compounded Growth Rates

Sales Growth

3Y+34.6%

5Y+47.7%

10Y+55.0%

Profit Growth

3Y—

5Y—

10Y—

EPS Growth

3Y—

5Y—

10Y—

Peer Comparison

New Economy

Stock	Price	Fair Value	MoS%	P/E	ROE	Signal
EASEMYTRIP EaseMyTrip	₹6.7	₹14.2	+53.1%	11.9	11.9%	FAIRLY_VALUED
INDIAMART Indiamart Intermesh Limited	₹2,065.2	₹4,030.8	+48.8%	20.1	28.3%	UNDERVALUED
MAPMYINDIA MapMyIndia (CE Info Systems)	₹881.7	₹1,041.5	+15.3%	36.5	16.0%	FAIRLY_VALUED
ZAGGLE Zaggle Prepaid Ocean Services	₹225	₹191.8	-17.3%	24.3	9.8%	FAIRLY_VALUED
INDIGOPNTS Indigo Paints	₹770.8	₹637.6	-20.9%	25.4	14.2%	OVERVALUED
CARTRADE CarTrade Tech	₹1,745	₹909.3	-91.9%	42.5	9.4%	OVERVALUED
NAUKRI Info Edge (India) Limited	₹995	₹207.9	-378.6%	47.8	3.5%	OVERVALUED
POLICYBZR PB Fintech (PolicyBazaar)	₹1,470	₹251.8	-483.8%	113.6	8.6%	OVERVALUED