PB Fintech Ltd.
NSE: POLICYBZR · Financial Technology (Fintech)
Snapshot
Unlock PB Fintech Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
PB Fintech Limited operates India's leading online platforms for insurance and lending products through its flagship brands, Policybazaar and Paisabazaar. The company facilitates the comparison, selection, and purchase of insurance policies and credit products by connecting consumers with various financial service providers.
Business Model
The company generates revenue primarily through commissions and fees earned from insurance companies and lending institutions for customer acquisition and policy facilitation. It leverages its digital infrastructure to provide marketing, consulting, and support services across the insurance and credit value chains.
Growth Outlook
Growth is driven by the increasing digitisation of financial services in India and the rising penetration of insurance and credit products among the under-served population. The company continues to expand its service offerings and enhance its digital platform capabilities to capture a larger share of the fintech market.
Key Risks
- Regulatory Risk. Changes in regulations by the IRDAI or RBI regarding insurance aggregation and digital lending could significantly impact the company's operational model.
- Competition. The company faces intense competition from traditional financial institutions and emerging fintech startups that may offer aggressive pricing or superior digital experiences.
- Data Privacy and Security. As a digital platform handling sensitive financial and personal data, the company is highly susceptible to cyber-attacks and stringent data protection compliance requirements.
- Dependency on Partners. The business model relies heavily on maintaining strong relationships with insurance companies and banks, and any loss of these partnerships could disrupt revenue streams.
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Key Metrics
REVENUE
₹7,334 Cr
TTM · consolidated
NET PROFIT
₹748 Cr
TTM · consolidated
EPS
₹16.23
TTM · consolidated
RETURN ON EQUITY
10.9%
TTM · consolidated
RETURN ON CAPITAL EMPLOYED
11.6%
TTM · consolidated
P/E
113.1x
Q1 FY27 · consolidated
EV/EBITDA
85.8x
Q1 FY27 · consolidated
EBITDA MARGIN
13.4%
TTM · consolidated
NET PROFIT MARGIN
8.6%
Q1 FY27 · consolidated
DEBT TO EQUITY
0.0x
Q1 FY27 · consolidated
Peers · Financial Technology (Fintech)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
PB Fintech Ltd.POLICYBZR | ₹84,950 Cr | 113.12 | 85.85 | 38.0% | 13.4% | 10.9% | 11.6% | -1.5% |
One 97 Communications Ltd.PAYTM | ₹1.06L Cr | 163.34 | 72.22 | 22.6% | 15.9% | 4.2% | 4.6% | +33.7% |
Pine LabsPINELABS | ₹19,104 Cr | 147.23 | 33.51 | — | 19.0% | 2.2% | 4.2% | — |
Seshaasai Technologies LimitedSTYL | ₹6,205 Cr | 23.12 | 14.69 | — | 27.5% | 18.5% | 24.8% | — |
Turtlemint Fintech Solutions LimitedTURTLEMINT | ₹4,243 Cr | — | — | — | -12.0% | — | — | — |
One Mobikwik Systems LimitedMOBIKWIK | ₹1,513 Cr | -118.59 | 36.73 | 2.7% | 3.7% | -2.2% | 2.0% | -31.3% |
As of Q1 FY27
Financials
PB Fintech Ltd.
NSE: POLICYBZR · Financial Technology (Fintech)
Snapshot
Unlock PB Fintech Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
PB Fintech Limited operates India's leading online platforms for insurance and lending products through its flagship brands, Policybazaar and Paisabazaar. The company facilitates the comparison, selection, and purchase of insurance policies and credit products by connecting consumers with various financial service providers.
Business Model
The company generates revenue primarily through commissions and fees earned from insurance companies and lending institutions for customer acquisition and policy facilitation. It leverages its digital infrastructure to provide marketing, consulting, and support services across the insurance and credit value chains.
Growth Outlook
Growth is driven by the increasing digitisation of financial services in India and the rising penetration of insurance and credit products among the under-served population. The company continues to expand its service offerings and enhance its digital platform capabilities to capture a larger share of the fintech market.
Key Risks
- Regulatory Risk. Changes in regulations by the IRDAI or RBI regarding insurance aggregation and digital lending could significantly impact the company's operational model.
- Competition. The company faces intense competition from traditional financial institutions and emerging fintech startups that may offer aggressive pricing or superior digital experiences.
- Data Privacy and Security. As a digital platform handling sensitive financial and personal data, the company is highly susceptible to cyber-attacks and stringent data protection compliance requirements.
- Dependency on Partners. The business model relies heavily on maintaining strong relationships with insurance companies and banks, and any loss of these partnerships could disrupt revenue streams.
Start your research today
Unlock AI insights, financials, peers and live data on PB Fintech Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹7,334 Cr
TTM · consolidated
NET PROFIT
₹748 Cr
TTM · consolidated
EPS
₹16.23
TTM · consolidated
RETURN ON EQUITY
10.9%
TTM · consolidated
RETURN ON CAPITAL EMPLOYED
11.6%
TTM · consolidated
P/E
113.1x
Q1 FY27 · consolidated
EV/EBITDA
85.8x
Q1 FY27 · consolidated
EBITDA MARGIN
13.4%
TTM · consolidated
NET PROFIT MARGIN
8.6%
Q1 FY27 · consolidated
DEBT TO EQUITY
0.0x
Q1 FY27 · consolidated
Peers · Financial Technology (Fintech)
As of Q1 FY27