PB Fintech Ltd.
NSE: POLICYBZRPB Fintech Ltd.: A 30-second snapshot
PB Fintech (PolicyBazaar) trades at ₹1,583.3, down 13.04% over the past year and 19.79% below its 52-week high, sitting below both its 50-DMA (₹1,619.22) and 200-DMA (₹1,653.32). Trailing PE of 111.81x is the highest among six Banking/Finserv peers even as ROE of 9.74% has not exceeded 15% in any tracked year, the lowest in the same peer set. Recent news flow has centered on block-deal stake sales by Temasek-linked and MacRitchie entities in early July 2026, coinciding with a period of negative news sentiment.
P/E
111.8
Forward P/E
47.7
ROE
+9.7%
Debt / Equity
4.92
Profit Margin
+9.9%
Div. Yield
—
5Y ROE > 15%
0/5
5Y FCF > 0
0/5
Quality
36/100
News
4 headlines · 0 positive · 3 negative
Temasek subsidiary sells 2.2% stake in PB Fintech for Rs 1,632 crore - TradingView
TradingView
PB Fintech stock crashes 8%, top midcap loser after Rs 1,741 crore block deal; Temasek likely sells 2.4% stake - TradingView
TradingView
MacRitchie to sell up to $200 million stake in India's PB Fintech, term sheet shows - TradingView
TradingView
Ola Electric, Nykaa, PB Fintech: Stocks to trade — Key levels, target, stop loss & more - Business Today
Business Today
Recent context
- ·Temasek-linked and MacRitchie entities reported block-deal sales of PB Fintech stake in early July 2026, including a ₹1,741 crore transaction reported on 2 July that coincided with an 8% single-day price move (TradingView).
- ·Of the 4 most recent tracked news items, 3 carried negative sentiment and 1 neutral, with none positive.
- ·Tracked support levels sit at ₹1,545.5, ₹1,478.3 and ₹1,390.5, with resistance at ₹1,622, ₹1,705 and ₹1,711.3.
Strengths
- +5-year revenue growth of 36.7% and earnings growth of 52.8% are among the higher growth rates observed in the peer set.
- +RSI of 49.83 sits in neutral territory, with price holding above the nearest tracked support level of ₹1,545.5.
- +Forward PE of 47.75x is roughly 57% below the trailing PE of 111.81x, reflecting an expected step-up in near-term earnings.
- +Mean analyst rating of 2.08 across 25 analysts (1-5 scale, lower = more constructive).
Weaknesses
- −Debt-to-equity of 4.92 with a rising trend and zero FCF-positive years in the tracked window (consistency score 15/100) shows growth funded by leverage rather than free cash generation.
- −ROE of 9.74% has not exceeded 15% in any tracked year, the lowest among sector peers (range 10.8%-17.91%), even as trailing PE of 111.81x is the highest in the same peer group.
- −Price is below both the 50-DMA (₹1,619.22) and 200-DMA (₹1,653.32), down 13.04% over 12 months and 19.79% below the 52-week high.
- −Ranks last (6 of 6) among Banking/Finserv peers on both PE and ROE, with a quality score of 36 versus a peer range of 23-70.
Open questions
- ?Does the gap between 5-year earnings growth (52.8%) and zero FCF-positive years reflect a scaling phase or a more structural cash-conversion pattern?
- ?What would need to change in the underlying insurance/lending distribution business for ROE to move above the 15% level it has not reached in the tracked window?
- ?Are the recent institutional block-deal sales tied to fund-level rebalancing, or do they reflect a broader shift in long-term shareholder positioning?
- ?How does a forward PE of 47.75x compare with the growth assumptions embedded in sector peers such as HDFCLIFE, which trades at a 60.78x trailing PE?
Peer comparison: Banking
Ranks 4 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| POLICYBZR | PB Fintech Ltd.You're viewing | 111.8 | +9.7% | 36 |
| Industry avg | across 5 peers | 31.5 | +14.1% | 49 |
| AXISBANK | Axis Bank Ltd. | 13.9 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.7 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 34.6 | +17.9% | 51 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 60.8 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 31.6 | +14.6% | 23 |
Technical state
Current price
₹1,583.30
SMA 50
₹1,619.22
SMA 200
₹1,653.32
RSI (14)
49.8 (neutral)
From 52w high
-19.8%
1Y return
-13.0%
3M return
-5.0%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highDebt-to-equity of 4.92 with a rising debt trend and zero FCF-positive years in the tracked window (consistency score 15/100) indicates growth has been funded by leverage rather than free cash generation.
- highROE of 9.74% has not exceeded 15% in any tracked year (roeYearsAbove15 = 0), the lowest among the six Banking/Finserv peers (range 10.8%-17.91%), while trailing PE of 111.81x is the highest in the same peer group.
- mediumPrice of ₹1,583.3 sits below both the 50-DMA (₹1,619.22) and 200-DMA (₹1,653.32), down 13.04% over the past 12 months and 19.79% below the 52-week high; 3-month price change is also negative at -4.98%.
- mediumBlock-deal stake sales by Temasek-linked and MacRitchie entities were reported on 2-3 July 2026, including one transaction coinciding with an 8% single-day decline; 3 of the 4 most recent tracked news items carry negative sentiment with none positive.
- mediumPOLICYBZR ranks last (6 of 6) among Banking/Finserv peers on both trailing PE and ROE; quality score of 36 sits below the peer median within a peer range of 23-70.
Cross-section contradictions
- 5-year earnings growth of 52.8% and revenue growth of 36.7% are among the strongest in the observed window, yet FCF-positive years is 0 and debt trend is rising — rapid top-line growth has not translated into free cash generation.
- Trailing PE of 111.81x is the highest among six Banking/Finserv peers, while ROE of 9.74% is the lowest in the same peer set — the valuation premium is not matched by relative capital efficiency.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 30 Jul 2026 · rotates through NIFTY 500 every ~5 days