PB Fintech Limited (POLICYBZR) Fair Value & Analysis
Financial Services · IN · Market cap ₹828B (≈ $8.8B) · ISIN INE417T01026
What is PB Fintech Limited really worth?
A solid business, but trading 804% above our fair value of ₹205.02.
As of Aug 23, 2026, the fair value of PB Fintech Limited is ₹205.02 per share against a price of ₹1,853, so the fair value sits 89% below the price. A model estimate blended from multiple valuation models, recalculated regularly.
Strengths
Risks
Fair value as of: Aug 23, 2026
From 4 valuation models · updated 14 days ago
Share price +13.7% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (₹256.28). The favourable scenario is already priced in.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- Solid but not exceptional quality (61/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 23, 2026.
How to read this chart
58‑month range ₹372.95 – ₹2,215 · fair‑value band ₹153.77 – ₹256.28 · the ₹1,853 price screens above the ₹205.02 fair value. Dashed = 300-day average. As of Aug 23, 2026.
Analysis
PB Fintech Limited (POLICYBZR) currently trades at ₹1,853, while our model-based Fair Value estimate is ₹205.02, implying the stock looks roughly 804.2% overvalued today. The Quality Score stands at 61/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of ₹188.49 per share, and 0 of the 4 models we run sit above the ₹1,853 price. Bear case: the Asset-Based group reads lowest at ₹106.03, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Over the trailing twelve months, PB Fintech Limited generated revenue of ₹73.3B at a net margin of 10.2%. Revenue grew 40.1% year over year. It earns a return on equity of 9.7%. The stock trades on a trailing P/E of 116.2. Fundamentals as of Aug 23, 2026
Our scenario range runs from ₹153.77 (bear case) to ₹256.28 (bull case); at ₹1,853, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 6% below its 52-week high and 39% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −42% fair-value upside, at −89%, POLICYBZR screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2026 figures, and about 5 months have passed since. In that time the company retained roughly ₹6.94 per share, which is 3.4 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 4 models by family
Widest divergence: Multiples (₹188.49) versus Asset-Based (₹106.03). Highest evidence: Residual Income (67).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 23, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 58 · Market factors (momentum, volatility) 65
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
PB Fintech Limited operates an online platform for insurance and lending products in India and internationally. It operates through two segments Insurance Services and Other Services.
Full company description
PB Fintech Limited operates an online platform for insurance and lending products in India and internationally. It operates through two segments Insurance Services and Other Services. The company offers Policybazaar, an online platform to buy and sell insurance products, such as health, term, motor, and travel insurance products; savings and investment products; and B2B offerings for consumers and insurance partners. It also provides Paisabazaar, an independent digital lending platform that enables consumers to compare, choose, and apply for personal credit products, including personal, business, and home loans, as well as credit cards and loans against property. In addition, the company offers call center and online healthcare related services; online marketing, consulting, and support services; and support services in motor vehicle claims and related assistance, as well as engages in the online, offline, and direct marketing of insurance products. PB Fintech Limited was incorporated in 2008 and is based in Gurugram, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
PB Fintech Limited reported revenue of ₹67.9B in FY2026 versus ₹14.2B in FY2022, a compound +47.8%/yr. Reported net income was ₹6.7B in FY2026.
POLICYBZR screens 804% overvalued. Compare with Marsh & McLennan Companies, Inc →
Peer Group
Insurance Brokers · 36 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance Brokers median · lower = cheaper
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Aug 23, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Marsh & McLennan Companies, Inc MRSH | $193.40 | $112.25 | −42% |
| Aon plc AON | $352.36 | $224.91 | −36% |
| Arthur J. Gallagher & Co AJG | $267.56 | $75.58 | −72% |
| Willis Towers Watson Public Limited WTW | $350.75 | $220.92 | −37% |
| Brown & Brown, Inc BRO | $71.42 | $40.43 | −43% |
| Erie Indemnity Company ERIE | $260.40 | $113.32 | −56% |
| Neptune Insurance Holdings NP | $32.70 | $3.52 | −89% |
| Steadfast Group SDF | A$5.27 | A$3.92 | −26% |
| CorVel Corporation CRVL | $69.74 | $39.55 | −43% |
| Accelerant Holdings ARX | $19.67 | $30.47 | +55% |
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