PB Fintech Limited

NSEI:POLICYBZR Stock Report

Market Cap: ₹857.2b

PB Fintech Valuation

Is POLICYBZR undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of POLICYBZR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: POLICYBZR (₹1878.85) is trading above our estimate of fair value (₹126.77)

Significantly Below Fair Value: POLICYBZR is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for POLICYBZR?

Key metric: As POLICYBZR is barely profitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for POLICYBZR. This is calculated by dividing POLICYBZR's market cap by their current revenue.
What is POLICYBZR's PS Ratio?
PS Ratio20.7x
Sales₹41.38b
Market Cap₹857.23b

Price to Sales Ratio vs Peers

How does POLICYBZR's PS Ratio compare to its peers?

The above table shows the PS ratio for POLICYBZR vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average2.4x
ICICIGI ICICI Lombard General Insurance
4.2x13.7%₹926.3b
ICICIPRULI ICICI Prudential Life Insurance
1x2.4%₹999.6b
SBILIFE SBI Life Insurance
1x6.0%₹1.4t
GODIGIT Go Digit General Insurance
3.5x17.9%₹308.7b
POLICYBZR PB Fintech
20.7x21.8%₹857.2b

Price-To-Sales vs Peers: POLICYBZR is expensive based on its Price-To-Sales Ratio (20.7x) compared to the peer average (2.4x).

Price to Sales Ratio vs Industry

How does POLICYBZR's PS Ratio compare vs other companies in the Asian Insurance Industry?

21 CompaniesPrice / SalesEstimated GrowthMarket Cap
POLICYBZR 20.7xIndustry Avg. 0.9xNo. of Companies49PS00.81.62.43.24+
21 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: POLICYBZR is expensive based on its Price-To-Sales Ratio (20.7x) compared to the Asian Insurance industry average (0.9x).

Price to Sales Ratio vs Fair Ratio

What is POLICYBZR's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

POLICYBZR PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio20.7x
Fair PS Ratio3.5x

Price-To-Sales vs Fair Ratio: POLICYBZR is expensive based on its Price-To-Sales Ratio (20.7x) compared to the estimated Fair Price-To-Sales Ratio (3.5x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst POLICYBZR forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹1,878.85
₹1,647.05
-12.3%
14.8%₹2,000.00₹1,220.00n/a19
Nov ’25₹1,706.30
₹1,549.89
-9.2%
16.4%₹1,975.00₹1,205.00n/a19
Oct ’25₹1,730.45
₹1,535.16
-11.3%
15.5%₹1,975.00₹1,205.00n/a19
Sep ’25₹1,772.25
₹1,489.06
-16.0%
14.4%₹1,855.00₹1,205.00n/a18
Aug ’25₹1,441.25
₹1,332.00
-7.6%
14.1%₹1,720.00₹1,070.00n/a18
Jul ’25₹1,517.15
₹1,290.65
-14.9%
12.6%₹1,600.00₹1,020.00n/a17
Jun ’25₹1,294.40
₹1,280.94
-1.0%
11.5%₹1,515.00₹1,020.00n/a17
May ’25₹1,264.90
₹1,004.24
-20.6%
18.9%₹1,340.00₹610.00n/a17
Apr ’25₹1,172.20
₹983.94
-16.1%
17.4%₹1,330.00₹610.00n/a17
Mar ’25₹1,119.75
₹966.82
-13.7%
15.4%₹1,150.00₹610.00n/a17
Feb ’25₹997.80
₹952.56
-4.5%
15.3%₹1,150.00₹610.00n/a16
Jan ’25₹800.90
₹871.69
+8.8%
15.5%₹1,100.00₹560.00n/a16
Dec ’24₹861.30
₹859.81
-0.2%
16.9%₹1,100.00₹560.00n/a16
Nov ’24₹702.50
₹828.27
+17.9%
15.6%₹1,000.00₹560.00₹1,706.3015
Oct ’24₹765.25
₹828.27
+8.2%
15.6%₹1,000.00₹560.00₹1,730.4515
Sep ’24₹769.90
₹837.43
+8.8%
15.4%₹1,000.00₹560.00₹1,772.2514
Aug ’24₹763.90
₹774.62
+1.4%
16.4%₹1,000.00₹595.00₹1,441.2513
Jul ’24₹696.80
₹751.67
+7.9%
14.6%₹980.00₹595.00₹1,517.1512
Jun ’24₹598.60
₹751.67
+25.6%
14.6%₹980.00₹595.00₹1,294.4012
May ’24₹600.10
₹719.58
+19.9%
16.8%₹950.00₹550.00₹1,264.9012
Apr ’24₹638.90
₹719.58
+12.6%
16.8%₹950.00₹550.00₹1,172.2012
Mar ’24₹574.70
₹706.67
+23.0%
16.8%₹950.00₹550.00₹1,119.7512
Feb ’24₹402.45
₹675.83
+67.9%
18.4%₹910.00₹550.00₹997.8012
Jan ’24₹448.30
₹680.42
+51.8%
17.8%₹910.00₹550.00₹800.9012
Dec ’23₹461.00
₹692.27
+50.2%
17.3%₹910.00₹550.00₹861.3011
Nov ’23₹391.75
₹743.70
+89.8%
16.8%₹1,020.00₹620.00₹702.5010

Analyst Forecast: Target price is lower than the current share price.

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