PB Fintech Limited
Financial trend (100/100) does the heavy lifting; valuation (0/100) is the drag.
ExpensiveOvervaluedPB Fintech Limited earns a Sell from StocksWizard, with a blended score of 39/100. We put fair value near ₹583; at ₹1,166 that leaves roughly 50% downside, so the stock screens overvalued by 50%. On 113.3x trailing earnings it sits pricier than the Financial Services median of about 24.3x. It's sitting close to its 52-week low of ₹1,166. Financial health scores 54/100, with a Piotroski F-score of 4/9. The average analyst target of ₹1,955.83 implies about 68% upside across 24 analysts. It clears 4 of 12 investability checks, with durability 61, valuation 0 and momentum 5 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹466.4.
Analyst views
1-year price
EOD · 2026-09-2552-week range
-40.43% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Sell39Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 9.7%
- Pass: Low debt (D/E < 0.5): 0.05x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 37%
- Pass: Earnings growing: 53%
- Fail: Net margin ≥ 10%: 9.9%
- Pass: Current ratio > 1.5: 4.41
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Annual financials
Shareholding
- Promoter25.0%
- Institutions58.0%
- Public & other17.0%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Lightly leveraged balance sheet.
Opportunities
- Earnings growing (53% YoY).
- Revenue growing (37% YoY).
- Well off its 52-week high — possible mean-reversion.
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
Threats
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About PB Fintech Limited
PB Fintech Limited operates online marketplaces for insurance and lending products in India and the United Arab Emirates through two business segments: Insurance Services and Other Services. Its Policybazaar platform allows consumers to compare and purchase various insurance products, including term, life, health, auto, motorcycle, family health, travel, and home insurance, alongside investment and retirement plans.
PB Fintech Limited — frequently asked questions
Is PB Fintech Limited a buy, hold or sell?
StocksWizard currently rates PB Fintech Limited (POLICYBZR) a Sell, based on a blended score of 39/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is PB Fintech Limited's fair value?
Our blended DCF and relative-valuation model estimates PB Fintech Limited's fair value at about ₹583, versus a current price of ₹1,166 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is PB Fintech Limited financially healthy?
PB Fintech Limited scores 54/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has PB Fintech Limited's share price performed?
PB Fintech Limited is down 28% over three months, and last traded at ₹1,166. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.