PB Fintech Limited
PB Fintech Limited Fundamental Analysis
PB Fintech Limited (POLICYBZR.NS) shows weak financial fundamentals with a PE ratio of 120.06, profit margin of 9.29%, and ROE of 9.00%. The company generates $62.7B in annual revenue with strong year-over-year growth of 44.78%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 60.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze POLICYBZR.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakPOLICYBZR.NS struggles to generate sufficient returns from assets.
Valuation Score
WeakPOLICYBZR.NS trades at a premium to fair value.
Growth Score
ModeratePOLICYBZR.NS shows steady but slowing expansion.
Financial Health Score
ExcellentPOLICYBZR.NS maintains a strong and stable balance sheet.
Profitability Score
WeakPOLICYBZR.NS struggles to sustain strong margins.
Key Financial Metrics
Is POLICYBZR.NS Expensive or Cheap?
P/E Ratio
POLICYBZR.NS trades at 120.06 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, POLICYBZR.NS's PEG of 4.77 indicates potential overvaluation.
Price to Book
The market values PB Fintech Limited at 10.28 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 89.73 times EBITDA. This signals the market has high growth expectations.
How Well Does POLICYBZR.NS Make Money?
Net Profit Margin
For every $100 in sales, PB Fintech Limited keeps $9.29 as profit after all expenses.
Operating Margin
Core operations generate 4.52 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.00 in profit for every $100 of shareholder equity.
ROA
PB Fintech Limited generates $7.30 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
PB Fintech Limited generates limited operating cash flow of $-1.11B, signaling weaker underlying cash strength.
Free Cash Flow
PB Fintech Limited generates weak or negative free cash flow of $-1.38B, restricting financial flexibility.
FCF Per Share
Each share generates $-2.99 in free cash annually.
FCF Yield
POLICYBZR.NS converts -0.20% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
120.06
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
4.77
vs 25 benchmark
P/B Ratio
Price to book value ratio
10.28
vs 25 benchmark
P/S Ratio
Price to sales ratio
11.19
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.09
vs 25 benchmark
Current Ratio
Current assets to current liabilities
4.11
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.07
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How POLICYBZR.NS Stacks Against Its Sector Peers
| Metric | POLICYBZR.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 120.06 | 18.80 | Worse (Expensive) |
| ROE | 9.00% | 817.00% | Weak |
| Net Margin | 9.29% | 2071.00% | Weak |
| Debt/Equity | 0.09 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 4.11 | 662.27 | Strong Liquidity |
| ROA | 7.30% | -20818.00% (disorted) | Weak |
POLICYBZR.NS outperforms its industry in 2 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews PB Fintech Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
389.99%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
188.16%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
61.80%
Industry Style: Value, Dividend, Cyclical
High Growth