PB Fintech (NSEI:POLICYBZR) - Share price, News & Analysis

POLICYBZR fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	5/6
Past Performance	0/6
Financial Health	4/6
Dividends	0/6

POLICYBZR Stock Overview

PB Fintech Limited operates an online platform for insurance and lending products in India.

Rewards

Earnings are forecast to grow 59.58% per year

Risk Analysis

Volatile share price over the past 3 months

PB Fintech Competitors

Price History & Performance

Summary of all time highs, changes and price drops for PB Fintech
Historical stock prices
Current Share Price	₹685.25
52 Week High	₹1,470.00
52 Week Low	₹540.10
Beta	0
1 Month Change	-11.04%
3 Month Change	-8.82%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-43.00%

Shareholder Returns

	POLICYBZR	IN Insurance	IN Market
7D	6.2%	1.5%	3.4%
1Y	n/a	-13.4%	9.6%

Return vs Industry: Insufficient data to determine how POLICYBZR performed against the Indian Insurance industry.

Return vs Market: Insufficient data to determine how POLICYBZR performed against the Indian Market.

Price Volatility

Is POLICYBZR's price volatile compared to industry and market?
POLICYBZR volatility
POLICYBZR Average Weekly Movement	9.7%
Insurance Industry Average Movement	5.0%
Market Average Movement	7.3%
10% most volatile stocks in IN Market	10.0%
10% least volatile stocks in IN Market	4.8%

Stable Share Price: POLICYBZR is more volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 10% a week.

Volatility Over Time: POLICYBZR's weekly volatility (10%) has been stable over the past year, but is still higher than 75% of Indian stocks.

About the Company

Founded	Employees	CEO	Website
2008	n/a	Yashish Dahiya	https://www.pbfintech.in

PB Fintech Limited operates an online platform for insurance and lending products in India. It operates in two segments, Insurance Web Aggregator Services and Other Services. The company offers Policybazaar, an online platform to buy and sell insurance products, such as term, health, motor, home, and travel insurance for consumers and insurance partners; and Paisabazaar, an independent digital lending platform that enables consumers to compare, choose, and apply for personal credit products, including personal, business, and home loans, as well as credit cards and loans against property.

PB Fintech Fundamentals Summary

How do PB Fintech's earnings and revenue compare to its market cap?
POLICYBZR fundamental statistics
Market Cap	₹308.02b
Earnings (TTM)	-₹6.78b
Revenue (TTM)	₹11.55b

26.7x

P/S Ratio

-45.5x

P/E Ratio

Is POLICYBZR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
POLICYBZR income statement (TTM)
Revenue	₹11.55b
Cost of Revenue	₹10.76b
Gross Profit	₹795.17m
Other Expenses	₹7.57b
Earnings	-₹6.78b

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)	-15.08
Gross Margin	6.88%
Net Profit Margin	-58.66%
Debt/Equity Ratio	0%

How did POLICYBZR perform over the long term?

See historical performance and comparison

Valuation

Is PB Fintech undervalued compared to its fair value and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry

15.47x

Price to Book (PB) ratio

Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate POLICYBZR's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate POLICYBZR's fair value for valuation analysis.

Price To Earnings Ratio

PE vs Industry: POLICYBZR is unprofitable, so we can't compare its PE Ratio to the Indian Insurance industry average.

PE vs Market: POLICYBZR is unprofitable, so we can't compare its PE Ratio to the Indian market.

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate POLICYBZR's PEG Ratio to determine if it is good value.

Price to Book Ratio

PB vs Industry: POLICYBZR is overvalued based on its PB Ratio (15.5x) compared to the IN Insurance industry average (6.9x).

Future Growth

How is PB Fintech forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?

Future Growth Score

5/6

Future Growth Score 5/6

Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE

59.6%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: POLICYBZR is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (6.7%).

Earnings vs Market: POLICYBZR is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: POLICYBZR's is expected to become profitable in the next 3 years.

Revenue vs Market: POLICYBZR's revenue (29.5% per year) is forecast to grow faster than the Indian market (11.8% per year).

High Growth Revenue: POLICYBZR's revenue (29.5% per year) is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: POLICYBZR is forecast to be unprofitable in 3 years.

Past Performance

How has PB Fintech performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE

-41.0%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: POLICYBZR is currently unprofitable.

Growing Profit Margin: POLICYBZR is currently unprofitable.

Past Earnings Growth Analysis

Earnings Trend: POLICYBZR is unprofitable, and losses have increased over the past 5 years at a rate of 41% per year.

Accelerating Growth: Unable to compare POLICYBZR's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: POLICYBZR is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (-13.7%).

Return on Equity

High ROE: POLICYBZR has a negative Return on Equity (-34.03%), as it is currently unprofitable.

Financial Health

How is PB Fintech's financial position?

Financial Health Score

4/6

Financial Health Score 4/6

Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Stable Cash Runway
Forecast Cash Runway

Financial Position Analysis

Short Term Liabilities: POLICYBZR's short term assets (₹21.4B) exceed its short term liabilities (₹2.2B).

Long Term Liabilities: POLICYBZR's short term assets (₹21.4B) exceed its long term liabilities (₹1.2B).

Debt to Equity History and Analysis

Debt Level: POLICYBZR is debt free.

Reducing Debt: POLICYBZR has not had any debt for past 5 years.

Balance Sheet

Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: Insufficient data to determine if POLICYBZR has enough cash runway based on its current free cash flow.

Forecast Cash Runway: Insufficient data to determine if POLICYBZR has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.

Dividend

What is PB Fintech current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate POLICYBZR's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate POLICYBZR's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.

Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if POLICYBZR's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if POLICYBZR's dividend payments have been increasing.

Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.

Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as POLICYBZR has not reported any payouts.

Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

0.8yrs

Average management tenure

CEO

Yashish Dahiya (49 yo)

0.83

Tenure

₹20,120,000

Compensation

Mr. Yashish Dahiya serves as Member of the Advisory Board at RattanIndia Enterprises Limited since August 2021. He Co-Founded PB Fintech Limited (formerly, PB Fintech Private Limited and ETECHACES Marketin...

Leadership Team

Experienced Management: POLICYBZR's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.

Board Members

Experienced Board: POLICYBZR's board of directors are not considered experienced ( 0.9 years average tenure), which suggests a new board.

Ownership

Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: POLICYBZR only recently listed within the past 12 months.

Data	Last Updated (UTC time)
Company Analysis	2022/05/21 00:00
End of Day Share Price	2022/05/20 00:00
Earnings	2021/12/31
Annual Earnings	2021/03/31