NSE/POLICYBZR

POLICYBZRPB Fintech Ltd (PolicyBazaar)

Financial Services · NSE

₹1,600.6+3.23%

52-wk low52-WEEK RANGE52-wk high

₹1,426.9+12.2% from low ·-18.2% from high₹1,957.3

Price chart · 1M–10Y · daily-close

NSE bhavcopy + 10Y historical

POLICYBZR+33.13% · 1Y

Range high ₹2,246.9Range low ₹356.2Latest ₹1,600.6Powered by TradingView · live NSE data

Financial ServicesLargecap

Stock scorecard

Auto-computed from latest ratios + sector context · not a buy/sell signal

Composite50/100

Performance

—

Not enough price history to score.

Valuation

High

Looks expensive vs the sector.

· P/E 127.8 — 590% above sector median 18.5
· P/B 10.81 above sector median

Growth

High

Growing faster than the broader market.

· Revenue YoY +44.8% — strong top-line
· Profit YoY +427.0% — strong earnings growth

Profitability

Medium

Average profitability vs peers.

DVM composite · Durability · Valuation · Momentum

Trendlyne-style 3-axis composite · all drivers shown below · not a buy/sell signal

CompositeD(30/100)

Durability

29/100

Durability concerns flagged across multiple health inputs.

Show 3 drivers

Piotroski F-score1/8 (13pt)
Altman Z" score-1.72 (0pt)
Debt/Equity0.05 (100pt)

Valuation

0/100

Richly valued on most axes; limited margin of safety.

Show 3 drivers

P/E vs sector (127.8 / 18.5)690% (0pt)
P/B10.81 (0pt)
EV/EBITDA209.0 (0pt)

Momentum

61/100

Constructive setup — momentum building, not extended.

Show 4 drivers

DMA-trend alignmentsideways (50pt)
RSI (14)64.8 (90pt)
Price vs 200-DMA-6.6% (47pt)
MACD regimebullish (75pt)

Valuation positioning

Current ratio vs sector peer distribution

P/E (TTM)127.76

OVERVALUED

CheapestP/E 127.8 at 95th %ile — pricier than 95% of peers.Most expensive

P/B10.81

OVERVALUED

CheapestP/B 10.81 at 90th %ile of sector.Most expensive

EV/EBITDA208.96

OVERVALUED

Monthly seasonality

Avg monthly return over 5 years · historical — not a forecast

Best: Nov +12.34% · Worst: Sep -4.94%

Jan

-4.4%

20% win

Feb

+0.9%

40% win

Mar

+4.1%

60% win

Apr

+3.4%

60% win

May

+2.8%

75% win

Jun

+3.2%

Monthly return distribution

Distribution of 53 monthly returns

Mean

+1.20%

Median

+0.97%

Std dev

11.76%

Best

+30.3%

Worst

-21.8%

% positive

53%

SWOT analysis

Auto-derived from ratios + sector context + forensics · research only, not a recommendation

STRENGTHS · 2

Lean balance sheet (D/E 0.05)
Low leverage means earnings are less sensitive to rate cycles
Consistent top-line growth (51.7% 3Y CAGR)
Sustained revenue compounding is rare and hard to fake

WEAKNESSES · 3

Premium to sector on P/E (+590%)
P/E 127.8 vs Financial Services median 18.5
Weak financial quality (Piotroski 1/8)
Score ≤3 signals multiple concerning accounting trends
Distress-zone Altman Z″ (-1.72)
Historically associated with elevated bankruptcy probability

OPPORTUNITIES · 0

No strong near-term catalysts visible

THREATS · 1

Valuation compression risk
P/E 127.8 is 590% above sector — any growth miss gets punished

RETURNS · DAILY-CLOSE BASED

3Y+ shown as CAGR

+3.2%

+6.0%

+10.7%

-5.5%

-4.5%

+4.5%

+38.4%

+6.7%

10Y

—

Fundamentals

VALUATION

Market cap

₹73,857 Cr

P/E (TTM)

127.8

P/E (fwd)

—

next 12m

P/B

10.81

EV/EBITDA

209.0

Book value

—

per share

PROFITABILITY · QUALITY

ROE

—

ROCE

—

Net margin

7.1%

Op margin

—

Gross margin

—

D/E

0.05

GROWTH · MARKET

Rev YoY

+44.8%

Profit YoY

+427.0%

Div yield

—

Payout

—

52w change

—

Beta

—

Pros and cons

Auto-derived from ratios · not a buy/sell recommendation

PROS · 4

+Revenue growing at +44.8% YoYGrowth-category territory — implies market-share gains or market expansion
+Profit growing fast (+427.0% YoY)Operating leverage kicking in — bottom line out-growing top line
+3-year revenue CAGR of 51.7%Sustained multi-year growth — not a one-quarter flash
+Nearly debt-free (D/E 0.05)Low financial risk — funds growth from internal accruals, resilient in downturns

CONS · 2

−Trades at a premium to sector on P/EP/E 127.8 vs Financial Services median 18.5 — priced for more growth than peers
−Very high absolute P/E (128x)At this multiple the market prices in several years of strong growth upfront — risk of correction if growth disappoints

Sector-relative context

Financial Services · 58 peers

P/E (TTM)

This stock

127.76

Sector median

18.51

Rank 55/58 (7th %ile)

ROE

This stock

—

Sector median

13.6%

—

P/B

This stock

10.81

Sector median

2.13

Rank 52/58 (12th %ile)

Quality score · Piotroski F-score

1 / 8

Weak quality — struggles on multiple fronts

✗Profitable (positive net income)· Most basic check — company makes money
✗Positive return on assets· Assets generate returns
✗Positive operating cash flow· Profits are backed by real cash, not accruals
✗Operating CF exceeds net profit· Healthy cash conversion — no aggressive revenue recognition
✓Long-term debt decreased YoY· Deleveraging — lower refinancing risk
✗ROA improved YoY· Getting more productive with the asset base
✗Operating margin expanded YoY· Pricing power or cost discipline
✗

Forensic score · Altman Z″ (emerging markets)

Bankruptcy-risk predictor · 1995 Altman emerging-market revision

DISTRESS-1.72

Z″ = -1.72 — DISTRESS zone. Historical Altman-Z models have associated this range with elevated 2-year bankruptcy probability. Treat as a flag for deeper diligence, not a verdict.

Component	Ratio	Weight	Contribution
Working Capital / Total Assets (A)	0.100	×6.56	0.656
Retained Earnings / Total Assets (B)	-0.325	×3.26	-1.059
EBIT / Total Assets (C)	-0.160	×6.72	-1.073
Book Equity / Total Liabilities (D)	-0.236	×1.05	-0.248

Zones: Z″ ≥ 2.60 safe · 1.10–2.60 grey · < 1.10 distress. Working capital proxied from reported cash + 10% buffer (exact 'current assets − current liabilities' line not ingested). Treat as directional.

Quarterly results

Last 6 quarters · ₹ Cr (Screener.in-grade depth)

Metric	2024-Q3	2024-Q4	2025-Q1	2025-Q2	2025-Q3	2025-Q4
Revenue	1,167	1,292	1,508	1,348	—	1,771
Operating profit	-37	-6	92	1	—	125
OPM %	-3.2%	-0.5%	6.1%	0.1%	—	7.1%

Annual P&L

Last 4 years · ₹ Cr · all line items

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Revenue	1,425	2,558	3,438	4,977
Operating profit	-944	-725	-275	-15
OPM %	-66.3%	-28.4%	-8.0%	-0.3%
Interest	14	21	26	34
Depreciation

Peer	Last close	1Y change	Mcap ₹Cr	P/E	P/B	ROE	D/E	Rev YoY
POLICYBZRTHIS PB Fintech Limited	₹1,600.6	-5.0%	73,857	127.8	10.81	—	0.05	+44.8%
HDFCBANK HDFC Bank Limited	₹799.9	-58.5%	12,24,457	17.8	2.17	13.8%	—	-1.8%
SBIN State Bank of India	₹1,080.25	+32.3%	10,22,614	12.1	1.73	14.3%	—	+14.5%
ICICIBANK ICICI Bank Limited	₹1,346.8	-4.5%	9,71,609	18.5	2.78	16.4%	—	+66.9%
BAJFINANCE Bajaj Finance Limited	₹908.25	-90.2%	5,70,505	31.7	5.52	17.4%	3.10	+6.4%
AXISBANK Axis Bank Limited	₹1,359.1	+11.1%	4,21,100	16.1	2.03	13.6%	—	+5.7%
KOTAKBANK Kotak Mahindra Bank Limited	₹383.6	-82.9%	3,77,170	20.1	2.24	11.2%	—	+24.2%
BAJAJFINSV Bajaj Finserv Limited	₹1,838.9	-12.6%	2,92,438	30.5	3.81	12.5%	2.38	+24.8%
SHRIRAMFIN Shriram Finance Limited	₹1,036.95	+47.5%	2,45,891	21.5	3.24	15.1%	2.79	+21.4%

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Research tool · not investment advice.

Axel Markets is an information + analytics product. We are not a SEBI-registered Research Analyst (RA) or Investment Adviser (IA). Nothing on this page is a buy, sell, or hold recommendation. Past performance is not indicative of future returns. Verify all data against the authoritative source (NSE, BSE, AMFI, SEBI, company RHP / factsheet) before acting. Daily OHLCV sourced primarily from our NSE bhavcopy ingest (public sec_bhavdata_full CSV), with Stooq as a fallback for historical gaps. Split + bonus adjusted. Excludes dividends. Not a recommendation. Past performance does not predict future returns. For authoritative live quotes see NSE / BSE directly.

Quarter	EPS estimate	EPS actual	Surprise %
-1q	3.71	4.08	+10.0%
-2q	2.38	2.89	+21.3%
-3q	1.89	1.82	-3.6%
-4q	3.08	3.67	+19.3%

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Equity capital	90	90	90	92
Reserves	-1,921	-2,403	-2,340	-1,994
Borrowings	159	227	253	322
Total liabilities	5,915	6,254	6,729	7,529
Fixed assets	180	270	316	411
CWIP	—	0	0	0
Investments	11	1,662	1,163	2,660
Other assets	0	2	0	25
Total assets	5,915	6,254	6,729	7,529

Metric	2022-FY	2023-FY	2024-FY	2025-FY
CF Operating	-1,568	-299	9	-183
CF Investing	-2,127	41	301	458
CF Financing	3,621	-43	-57	-73
Net cash flow	-71	-295	253	236
Free cash flow	-1,601	-365	-55	-280

Metric	2025-FY	2024-FY	2023-FY	2022-FY
OPM %	-0.3%	-8.0%	-28.4%	-66.3%
Net margin %	7.1%	1.9%	-19.0%	-58.5%
ROE %	-17.0%	-2.9%	23.5%	45.5%
ROCE %	-23.6%	-5.1%	24.8%	49.0%
Debt / Equity	-0.17	-0.11	-0.10	-0.09
Interest coverage	12.5×	3.9×	-21.8×	-60.4×
Revenue growth YoY	+44.8%	+34.4%	+79.5%	—
Profit growth YoY	+427.0%	+113.7%	+41.5%	—

POLICYBZRPB Fintech Ltd (PolicyBazaar)

Price chart · 1M–10Y · daily-close

Stock scorecard

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

SWOT analysis

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Forensic score · Altman Z″ (emerging markets)

Quarterly results

Annual P&L

Peer comparison · Financial Services

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Technical snapshot

Earnings history + surprises

Recent news

Stock scorecard

SWOT analysis

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Forensic score · Altman Z″ (emerging markets)

Quarterly results

Annual P&L

Balance sheet

Cash flow statement

Ratios

Peer comparison · Financial Services