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PB Fintech Limited (POLICYBZR) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

PB Fintech Limited

POLICYBZRMarket cap $4.97BPrice $10.7

Country🇮🇳India

SectorFinancials

IndustryInsurance

Runs Policybazaar and Paisabazaar, India's largest online marketplaces for insurance and lending products, matching millions of users with policies and loans. It turned insurance-shopping into a search engine, disrupting agents who dominated for decades.

In Bastion Portfolios?

52W Return-43%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+33%10

Revenue Forecast

Rev CAGR (1y)+28%9

Rev CAGR (3y)+27%10

Rev CAGR (5y)+22%10

Earnings Forecast

EPS Growth Y+1+56%9

EPS Growth Y+2+41%9

EPS Growth Y+3+33%9

Quality

Margins

EBIT Margin6%3

Net Income Margin10%6

Free Cash Flow Margin-1%3

Debt

Net Debt/EBITDA-3.510

Efficiency

ROE11%5

ROAna–

Earnings Stability88

GEAR+AVERAGE49

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)392

P/E Ratio (Forward 3y)232

P/BV6.52

EV Multiples

EV/EBITDA Fwd392

EV/EBIT Fwd472

Yield

Free Cash Flow Yield0.0%2

Dividend Yieldna–

Momentum

Short term

1 month return-43%1

3 month return-36%1

YTD return-44%1

Mid term

Price vs 52wHigh52%1

1 year return-42%1

Long term

3 year return+35%5

5 year return-14%3

Risk Shield

Price Risk

Beta0.48

Volatility58%2

Free Cash Flow

Free Cash Flow Margin-1%3

Free Cash Flow Yield0.0%2

Quality

ROCE12%–

Earnings Stability88

Net Debt/EBITDA-3.510

02Growth

Is it actually growing, and how fast?

POLICYBZRPB Fintech

Revenue FY26$728M

GROWTH RATING↗

VERY STRONG98 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+33%10

Revenue, next 1Y+28%9

Revenue, next 3Y, CAGR+27%10

Revenue, next 5Y, CAGR+22%10

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+56%9

EPS growth, FY28E+41%9

EPS growth, FY29E+33%9

GROWTH ASSESSMENT

STRENGTHS

It out-grows 98% of companies worldwide.

Revenue grew 33%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

Revenue is set to grow 27%/yr over the next 3 years, ahead of most of the market.10/10

The runway holds up: revenue is set to grow 22%/yr over five years.10/10

Earnings are set to grow faster than sales (EPS about 41%/yr vs revenue 27%/yr), so margins should widen.

WATCH

Revenue grew 33%/yr over the last 3 years; forecasts see it cooling to 27%/yr.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

POLICYBZRPB Fintech

Total return Current16.6%

Price return Current16.6%

MOMENTUM RATING↗

VERY WEAK4 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-43%1

3-month return-36%1

YTD return-44%1

MID & LONG-TERM▾SCORE

% of 52-week high52%1

1-year return-42%1

3-year return+35%5

5-year return-14%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+35% over three years and -14% over five), roughly average for the market.

WEAKNESSES

It's down 42% over the past year, now 48% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-43%), over three months (-36%) and so far this year (-44%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on PB Fintech Limited. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

POLICYBZRPB Fintech

Revenue FY26$728M

GROWTH RATING↗

VERY STRONG98 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+33%10

Revenue, next 1Y+28%9

Revenue, next 3Y, CAGR+27%10

Revenue, next 5Y, CAGR+22%10

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+56%9

EPS growth, FY28E+41%9

EPS growth, FY29E+33%9

GROWTH ASSESSMENT

STRENGTHS

It out-grows 98% of companies worldwide.

Revenue grew 33%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

Revenue is set to grow 27%/yr over the next 3 years, ahead of most of the market.10/10

The runway holds up: revenue is set to grow 22%/yr over five years.10/10

Earnings are set to grow faster than sales (EPS about 41%/yr vs revenue 27%/yr), so margins should widen.

WATCH

Revenue grew 33%/yr over the last 3 years; forecasts see it cooling to 27%/yr.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

POLICYBZRPB Fintech

Total return Current16.6%

Price return Current16.6%

MOMENTUM RATING↗

VERY WEAK4 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-43%1

3-month return-36%1

YTD return-44%1

MID & LONG-TERM▾SCORE

% of 52-week high52%1

1-year return-42%1

3-year return+35%5

5-year return-14%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+35% over three years and -14% over five), roughly average for the market.

WEAKNESSES

It's down 42% over the past year, now 48% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-43%), over three months (-36%) and so far this year (-44%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on PB Fintech Limited. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community