PB Fintech Limited share price

Key numbers

Market cap

₹ 53,881 Cr

Current price

₹ 1,166.00

52-week high / low

₹ 1,964 / 1,115

Stock P/E

72.1

Book value

₹ 158.2

Dividend yield

0.00%

ROCE

10.3%

ROE

9.7%

Debt to equity

0.05

Sales growth (3 yrs)

38.5%

Profit growth (3 yrs)

-

1-year return

-35.3%

About PB Fintech Limited

PB Fintech Limited operates an online marketplace for insurance and lending products in India and the United Arab Emirates. It operates through two segments, Insurance Services and Other Services. The company offers Policybazaar that enables consumers to compare, evaluate, and apply for insurance products, such as term, life, health, car, 2 wheeler, family health, travel, and home insurance products, as well as investment, guaranteed return, child savings, and retirement plans. It also provides Paisabazaar, which facilitates access to lending and personal credit products. In addition, the company offers online healthcare related services; insurance broking services; support services for motor vehicle claims and related assistance; account aggregation services; online marketing and sales consulting services; and information technology and related services. Further, the company engages in the operation of call center; online comparison, sale, and online, offline, and direct marketing of financial products; and payment aggregator, payment gateway services, payment facilitation activities by offline and a digital payment acceptance. PB Fintech Limited was incorporated in 2008 and is…

Quarterly results

Consolidated figures in ₹ crores

Concall summary (2026-09-25)

AI summary of the earnings call transcript · tone: Positive · source document

Guidance & outlook

• But going forward, till this thing settles itself, clearly we will have to start cutting marketing and sort of our operational hiring, etc., to make sure that we don't over-expend ourselves.
• So, we don't know how the FY28 will look like, but our hope is that we are able to figure out that there's no impact on FY29.

Growth & demand

• Which means for every 1% reduction in price, there should be at least 1% growth.
• So, my view is at least 15-20% we should get back in terms of growth, if that is being given back to the customer in terms of price .

Margins & costs

• So they will take inputs, and we will obviously provide inputs, and the timelines to implement, and some of the basic details in terms of whether it is retrospective, not retrospect ive, they are not still clear.
• Now, at the margins, when we were spending money on Google, and using these efforts to sell, we were barely at 100% right now.

Capex & expansion

• Within that, term insurance, when we started, used to have a commission of 0.
• We also have an investment in PB Health, which is a chain of hospitals.

Risks & challenges

• We do a lot of underwriting and risk management, because of which insurers get better quality business.
• So, there is also possibility of us working with our partners for getting service revenues for these activities, including reinsurance support, because as you can imagine, we are not just a distributor, we are also a risk manager.

Peers in Insurance Brokers

• IIRM Holdings India Limited
• Turtlemint Fintech Solutions Limited