PB Fintech Ltd
Ticker: POLICYBZR
Decent
73/100
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Investing Reference
Price
1677.10
Market Cap
76814.38
Debt/Equity
0.0501
ROE %
5.733
PB
11.9317
Promoter %
0.000
Pledge %
0.000
1Y Rev Growth %
43.053
5Y Rev Growth %
44.884
NP Margin %
6.463
NP Margin 5Y Avg %
-15.700
Trading Reference
1M Return %
-7.686
6M Return %
4.093
1Y Return %
-0.522
% Away 52W High
33.975
% Away 52W Low
27.891
Daily Volume
1956926
Investment Verdict
Avoid
Score 41/100 · Position size: 0%
Fundamentals/valuations or risk flags are weak. Avoid for long-term investing.
Trading Verdict
Avoid
Score 14/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
PB Fintech Ltd is currently trading near a strong support level, with the 50-day EMA indicating a bullish trend. If the stock breaks above the resistance level, it could see significant upside. However, if it falls below the support, there is a risk of downside movement.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
PB Fintech Ltd is a leading technology-driven financial services platform in India, primarily known for its innovative insurance and lending solutions. Catering to individuals and businesses alike, it simplifies access to financial products, making them more accessible and user-friendly. This matters as it empowers consumers to make informed financial decisions, enhancing their financial literacy. With a strong focus on customer experience, cutting-edge technology, and a commitment to transparency, PB Fintech is poised to revolutionize the financial landscape in India.
- Leading fintech platform in India
- Focus on insurance and lending solutions
- Empowers consumers with informed choices
- Enhances financial literacy and accessibility
- Commitment to transparency and customer experience
Investment Thesis
PB Fintech Ltd stands out as a compelling investment due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. This positions the company for long-term success in a rapidly evolving market.
- Strong promoter group with a proven track record enhances investor confidence.
- Robust growth potential in the digital services sector, tapping into India's tech-savvy population.
- Valuation metrics indicate PB Fintech is attractively priced compared to industry peers.
- Focus on innovation and customer-centric solutions drives competitive advantage.
- Strategic partnerships and expansions further bolster growth prospects.
Opportunity vs Risk
Opportunities
- Growing digital finance market
- Expansion in insurance sector
- Increased online customer base
- Strategic partnerships with fintech firms
Risks ⚠️
- Regulatory changes impacting operations
- Intense competition in fintech
- Market volatility affecting growth
- Dependence on technology infrastructure
Peer Perspective
PB Fintech Ltd trades at a premium compared to peers like Policybazaar and Coverfox, reflecting strong growth potential. A sustained improvement in margins could trigger a rerating, aligning it closer to industry leaders.
Future Outlook
PB Fintech Ltd is well-positioned for growth, leveraging its innovative platform to capture market opportunities. Successful execution and effective cost control will be crucial in navigating the competitive landscape ahead.
AI FAQs for Retail Users
- Q: What does PB Fintech Ltd do?A: PB Fintech Ltd operates as a technology-driven platform for financial services in India.
- Q: Is PB Fintech Ltd profitable?A: As of now, PB Fintech Ltd is not consistently profitable and focuses on growth.
- Q: What are the risks of investing in PB Fintech Ltd?A: Investing in PB Fintech Ltd involves risks like market volatility and competition in the fintech sector.
- Q: How can I buy shares of PB Fintech Ltd?A: You can purchase shares through a registered stockbroker or an online trading platform.
- Q: What is the future outlook for PB Fintech Ltd?A: The future outlook depends on market conditions, regulatory changes, and company performance.
📊 Stock Investment Checklist (100 Points)
PB Fintech Ltd • Updated: 2025-09-17 06:09:13
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10BusinessHighThe sector is evolving with digital transformation, but competition is intense.
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10GrowthHighRevenue growth has been consistent, but profit margins are under pressure.
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8ProfitabilityHighROE and ROCE are moderate, with OCF lagging behind net profit.
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10ValuationHighValuation metrics are high compared to peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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10DriversHighGrowth drivers exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is mixed with low liquidity.
Final Score & Verdict
Score 73 / 100
• Decent
PB Fintech Ltd shows potential in a growing sector, but faces challenges in profitability and valuation metrics.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 75/100
- Profitability: 65/100
- Governance: 60/100
- Market Confidence: 70/100