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POLICYBZR — PB FINTECH LIMITED

Structural concernsWeak profitability

Price History

Data as of 26 Jun 2026· via fincrux

How POLICYBZR has traded over time.

Is the price reasonable right now?

Where today's price sits within its own 12-month range — context, not advice.

Middle of its 12-month range36% of range

Sitting roughly mid-way between its 12-month high and low — neither cheap nor stretched versus its own recent history. It sits below its 200-day average, the longer-term trend.

₹1,427 low₹1,957 high
vs 50-day avg
−2.5%
vs 200-day avg
−3.5%
Beginner mode
Plain English, with everything explained

POLICYBZR

NSE

PB FINTECH LIMITED

Technology / Fintech

₹1,615.20
0.00%
last close
0%
Quality Score
A mixed pictureBig money selling

PB FINTECH LIMITED passes 2 of 3 checks. There's something to like here, but also a few things to be careful about. Read the four checks below before forming a view.

Company size
₹75729.00 Cr
Price tag
2,296.0×
Money it earns
0.4%

The four quality checks

Every company faces the same four checks. Tap the ? on any term to learn what it means.

01

Is the company drowning in loans?

Banks and lenders borrow money as their actual business, so we judge them on a relaxed scale built for financials.

Aligned

The company keeps its borrowing under control. That's a sign of a sturdy balance sheet.

D/E 0.00goal < 1.5
02

Does it make good money, consistently?

We look at how much profit the company squeezes out of its owners' money, averaged over three years — not just one lucky quarter.

Divergent

Profits relative to the money invested are on the weaker side over the last few years.

ROE 0.4%goal > 15% (3y avg)
03

Is the big, smart money buying in?

Large professional investors (global funds and Indian mutual funds) do deep research before buying. We track whether they've been adding or trimming their stake.

Aligned

Professional investors have been holding steady or buying more — a quiet vote of confidence.

FII+DII 76.7%goal stable or rising (2Q)
04

Is the price reasonable right now?

Even a great company can be a bad buy if it's overpriced. We compare today's price tag to how this company has typically been priced over the past five years.

No data

We don't have enough reliable data to run this check yet, so we're leaving it open rather than guessing.

Data unavailablegoal P/E < 5y median

What we noticed

Observations from the data — not recommendations.

  • PB Fintech Ltd, popularly known asPolicy Bazaris India’s largest online platform for insurance and lending products through its flagship brands - Policybazaar and Paisabazaar platform through which they provide conven…
Data as of 26 Jun 2026· via fincrux

StockVault is an educational research and mathematical-modeling sandbox. It presents structural readings derived from public data and does not provide investment advice, recommendations, or target prices. Figures shown are illustrative and delayed. Markets carry risk; decisions are your own.

Balance Sheet

What POLICYBZR owns and owes over the years. Tap the ? on any line to learn what it means.

Line itemFigures in ₹ crore
ItemMar '22Mar '23Mar '24Mar '25Mar '26
Borrowings1185127
Equity Capital9090909293
Reserves6,8057,2737,6397,8668,104
Total Assets6,9247,3877,8068,0598,297
Total Liabilities6,9247,3877,8068,0598,297

Loan book expanding

Borrowings have grown over the retained years. For a bank or lender that's the raw material of the business, so judge it alongside profitability, not on its own.

This is a financial company. Banks and lenders borrow money as their core business, so high borrowings here are normal and not a red flag on their own.

Periodic Performance

Yearly net profit for POLICYBZR — does it earn money consistently?

Potential turnaroundPotential turnaround (pattern in the data)

After one or more loss-making years, the most recent year is back in profit. That's a pattern in the data, not a forecast.

−₹300 Cr
−₹74 Cr
₹36 Cr
₹13 Cr
₹41 Cr
Mar '22Mar '23Mar '24Mar '25Mar '26
rev ₹103 Crrev ₹134 Crrev ₹110 Crrev ₹153 Crrev ₹208 Cr
Net profit · annualProfitLoss

Strengths & Risks

What the numbers say is good and bad about POLICYBZR — observations, not recommendations.

Strengths

3
  • Borrowing is well within the relaxed range we use for financial companies.
  • Large professional investors have been holding steady or adding to their stake.
  • Recent results show a return to profit after weaker years — a turnaround pattern in the data.

Risks

1
  • Profit generated from the money invested has been on the weaker side.

Institutional Ownership Trend

FII and DII holding across the last four quarters.

FII· Foreign institutions
39.9%-6.8 pp
DII· Domestic institutions
36.7%+13.5 pp
Jun '25Sep '25Dec '25Mar '26

Sector Peers

How others in Technology / Fintech score on the same four guardrails.

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View the full sector