PB Fintech

BHold

POLICYBZR · NSE · Large Cap · Payments / Tech

Payments / Tech

Fetching live…

₹1,620

1D 0.7%1M 4.0%1Y 28%

Fundamental (RQ-100)

Technical (TQ-100)

Valuation

Market cap

₹75.0K Cr

Live decision ratingBSell / Avoid

Fundamental score breakdown

60/100

Growth Quality

20.0 / 20

Rev 1Y 38.0%, 3Y CAGR 42.0%, 5Y CAGR 38.0%

Margin & Profitability

4.5 / 15

EBITDA 6.0%, PAT 4.0%

Return on Capital

6.0 / 20

ROCE 7.0%, ROE 5.0%

Cash Flow Quality

7.0 / 15

OCF/EBITDA 0.70

Leverage

10.0 / 10

ND/EBITDA -8.00

Reinvestment

3.0 / 8

Capex/Sales 1.5%

Accounting

5.0 / 7

Governance

4.0 / 5

Technical score breakdown

55/100

Trend Structure

8.0 / 20

↓ 200 · ↓ 50 · ↓ 20

Momentum

11.0 / 15

1Y 28.0%, 1M 4.0%

Volume Dynamics

8.0 / 15

Vol30 —%

Relative Strength

13.0 / 15

1Y 28.0%

MA Cluster

5.0 / 10

Extension

5.0 / 10

—% from 50DMA

Volatility

4.0 / 8

Price Action

1.0 / 7

-100.0% from 52W H

Business

What this company actually does

Policybazaar + Paisabazaar.

Stores

—

Dark stores

—

Cities

—

Listed status

Listed

Format exposure

How direct is this play?

Primary formatPayments / Tech

Exposure typeMeaningful

Revenue visibilityMedium

Operating leverage stageInvestment

Policy beneficiaryNone

Data confidenceMedium

Financial snapshot

Live · green dot = live, falls back to curated

Revenue

₹4.5K Cr

Rev 1Y growth

38%

Rev 3Y CAGR

42%

EBITDA margin

6.0%

PAT margin

4.0%

ROE

ROCE

OCF/EBITDA

0.70

Net Debt/EBITDA

-8.0

Financial statements

Multi-year P&L, balance sheet, cash flow — scraped live from Screener.in

Fetching from Screener.in…

Loading…

Valuation

Live multiples + retail-specific (curated)

P/E

200

Forward P/E

170

EV/EBITDA

180

EV/Sales

16.0

P/B

12.0

FCF Yield

0.3%

Aggressive multiple. Needs flawless execution to justify.

Investment thesis

AI-generated · always cite sources before acting

Bull

Compounding revenue at 42% CAGR. Technical setup constructive — stock above key moving averages.

Base

Earnings growth of ~46% over the next 3 years assuming margins hold. Multiple compression risk if growth slows; multiple expansion possible if Payments / Tech GMV outperforms.

Bear

Premium multiple has no margin for error. Capital efficiency below cost of capital. Format-level risk: regulation, gig-cess, or competitive pressure compress contribution margin.

Variant perception

Consensus views PB Fintech as a challenged player. Our differentiated take: the current multiple already prices in mid-cycle outcomes.

Key monitorables