PB Fintech Limited

$ 1 635.45 0.96 %

PB Fintech Limited manages a prominent online ecosystem for financial and insurance products, serving a customer base across India and internationally. Its business is bifurcated into two main operational areas: Insurance Services and Other Services. The company's key platform, Policybazaar, functions as an internet-based marketplace where users can purchase various insurance products, including health, life, motor, and travel coverage, alongside savings and investment options. It also provides essential business-to-business (B2B) offerings for both consumers and insurance partners. Furthermore, PB Fintech operates Paisabazaar, an independent digital lending platform designed to empower consumers to easily compare, select, and apply for a diverse range of personal credit solutions. These include personal loans, business loans, home mortgages, credit cards, and loans secured against property. Beyond these core platforms, the company offers a suite of supplementary services such as call center and online healthcare support, digital marketing, consulting, and assistance with motor vehicle claims. It also actively promotes its insurance products through various channels, including online, offline, and direct marketing efforts. PB Fintech Limited was established in 2008 and is based in Gurugram, India.

CEO: Yashish Dahiya - https://www.pbfintech.in

Price objectif

-

Recommandation

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DCF

$ -3 428.91

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POLICYBZR.BO vs S&P500

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Quick ratio

4.41

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

113.73

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

14.38

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

9.94 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

4.55 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

5.97

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.05

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

-2.98

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

0.00 %

the dividend payout ratio is the measure of dividends paid out to shareholders relative to the company's net income.

Earnings per share

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Financials

Piotroski score
4 indicates moderate financial health
Altman score
34.84 indicates good financial health and low risk of bankruptcy
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Cash / Debt

Cash Ratio
0.77 indicates that the company has a moderate ability to cover its short-term debts with its cash
Debt Ratio
0.04 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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