What is PB Fintech Ltd's market cap?

PB Fintech Ltd (POLICYBZR) has a market capitalization of ₹83,192 Cr.

What sector is POLICYBZR in?

PB Fintech Ltd operates in the Fintech & Diversified Financial Services sector.

What is POLICYBZR's return on equity?

PB Fintech Ltd has a return on equity (ROE) of 8.6%.

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PB Fintech Ltd (POLICYBZR) — Analysis, Financials, Intelligence | The Stock Filter

The Organism · Company Intelligence

PB Fintech Ltd

POLICYBZR|BSE: 543390

Fintech & Diversified Financial ServicesFinancial Serviceswww.pbfintech.in

₹1,589.00

+₹8.00 (+0.51%)|MCap ₹83,192 Cr

As of 16 Jun 2026 (End of Day)

Promoter: 0.1%

52W Low ₹1,364.0052W High ₹1,978.00

PE 816.4xMedian PE 193.2xPB 15.8x

PB Fintech Ltd. is an online platform for insurance and lending products. The company is headquartered in Gurgaon, Haryana. The company went IPO on 2021-11-15. The firm is engaged in providing online

Secular Currents

Theme Connections

Fintech Penetration Insurance Penetration Digital Payments

Intelligence Profile

TSF Score

70/100

The Vitals · Company Health

Health Indicators

Shenanigan Score

5Clean

Trust Score

X-Ray

Concerns

🟠Below-average return on equity (8.6%)Business

Watch

Nothing flagged for monitoring

Strengths

🟢Healthy revenue growth (51.4% CAGR 3yr)Business
🟢Low leverage (D/E: 0.00x)Business

The Numbers · Key Metrics

PE Ratio

816.4x

ROE

8.6%

Revenue Growth 3yr

51.4%

Debt/Equity

0.00x

₹82,632 Cr

The Narrator · StoryTel Intelligence

FY2025Fintech & Diversified Financial ServicesProduct Sales ModelModel:Revenue = Transaction Volume × Fee Rate + Subscription Revenue + Lending Interest Income

Key Insight

“Operates in Fintech & Diversified Financial Services.”

The Revenue Story

₹4,977 Cr revenue.

Total Income₹5,385 Cr

Revenue₹4,977 Cr(92.4% of Total Income)

Other Income₹408 Cr(7.6% of Total Income)

The Cost Story

COGS 0.0%, employees 39.4%.

Other Expenses₹2,925 Cr(52.8%)

Employee₹1,959 Cr(35.4%)

EBITDA₹501 Cr(9.1%)

Depreciation₹121 Cr(2.2%)

Finance Costs₹34 Cr(0.6%)

0.1%EBITDA Margin

Other Expenses

52.8%

Employee

35.4%

EBITDA

9.1%

Depreciation

2.2%

Finance Costs

0.6%

Key Metrics

ROE

8.6%

vs median 4.3%

ROCE

9.0%

vs median 8.4%

Net Margin

8.8%

vs median 2.8%

EBITDA Margin

11.7%

vs median 11.3%

Debt To Equity

0.00x

vs median 0.03x

Rev Growth 3yr

51.4%

vs median 21.6%

Forward View · Management Guidance

FINANCIALQ3FY26— 1High Impact

“total premium grew 45% led by new protection premium at 68%.”

FINANCIALQ3FY26— 4High Impact

“68%. Right? So if you see protection is over half our business.”

FINANCIALQ3FY26— 1High Impact

“operating revenue is at 1,771, which is also up 37% year on year.”

The Context · Where does it sit?

Sector Context

The Canopy · Sector KPIs

Sector KPIs

Fintech & Diversified Financial Services

KPI	Company	Sector Median
ROE	8.6%▲	4.3%
ROCE	9.0%▲	8.4%
Net Margin	8.8%▲	2.8%
EBITDA Margin	11.7%▲	11.3%
Debt To Equity	0.00x▼	0.03x
Rev Growth 3yr	51.4%▲	21.6%

The Market · What is the market saying?

Market Signals

The Antenna · Media Intelligence

Media Signal

Low Impact

The Numbers · Show me the data

Financials

Revenue₹6,241 Cr

PBT₹602 Cr

EPS₹12.59

(₹ Cr)	TTM	FY2025	FY2024	FY2023	FY2022
Revenue	₹6,241 Cr +25.4%	₹4,977 Cr +44.8%	₹3,438 Cr +34.4%	₹2,558 Cr +79.5%	₹1,425 Cr
Other Income	₹369 Cr -9.4%	₹408 Cr +7.1%	₹381 Cr +46.9%	₹259 Cr +106.6%	₹125 Cr
Total Income	₹6,610 Cr +22.7%	₹5,385 Cr +41.0%	₹3,818 Cr +35.6%	₹2,817 Cr +81.7%	₹1,550 Cr
	₹6,007 Cr +19.2%	₹5,039 Cr +34.8%	₹3,739 Cr +13.1%	₹3,305 Cr +38.6%	₹2,384 Cr
Profit Before Tax	₹602 Cr +55.5%	₹387 Cr +389.5%	₹79 Cr ↑ Recovery	(₹488 Cr) +41.5%	(₹833 Cr)
Exceptional Items	₹0.00 Cr -100.0%	₹41 Cr	₹0.00 Cr	₹0.00 Cr	₹0.00 Cr
	₹27 Cr -20.8%	₹34 Cr +171.3%	₹13 Cr ↑ Recovery	(₹0.02 Cr) +96.0%	(₹0.48 Cr)
Net Profit	₹580 Cr +64.1%	₹353 Cr +448.3%	₹64 Cr ↑ Recovery	(₹488 Cr) +41.4%	(₹833 Cr)
Profit (Owners)	₹579 Cr +64.1%	₹353 Cr +448.1%	₹64 Cr ↑ Recovery	(₹487 Cr) +41.5%	(₹833 Cr)
Minority Interest	₹0.18 Cr +20.0%	₹0.15 Cr	₹0.00 Cr +100.0%	(₹0.72 Cr)	₹0.00 Cr
Other Comprehensive Income	₹3 Cr ↑ Recovery	(₹7 Cr) -118.5%	(₹3 Cr) ↓ Decline	₹3 Cr +838.9%	₹0.29 Cr
EPS	₹12.59	₹7.69	₹1.43	(₹10.82)	(₹18.53)
Diluted Shares	₹46 Cr	₹46 Cr	₹45 Cr	₹45 Cr	₹45 Cr
Profit Or Loss Of Associates	₹5 Cr	₹0.26 Cr ↑ Recovery	(₹2 Cr)	(₹0.17 Cr) -325.8%	(₹0.04 Cr)