PB Fintech Limited (POLICYBZR.NS) stock analysis

In our weekly check, PB Fintech Limited is graded B (A to F). Of 23 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 5.

About PB Fintech Limited

PB Fintech Limited is a Financial Services company (Insurance - Brokers) based in India, listed on NSE as POLICYBZR.NS.

What our checks show for POLICYBZR.NS

Red flags

• Operating cash flow is only 0.39x net profit: part of the reported profit does not arrive as cash.
• The price swings a lot: 67% annual volatility. Expect large ups and downs.
• The stock has fallen as much as 74% from a peak. Would you have held through that?
• Return on capital (ROCE) is zero or negative: the business does not earn on the money put into it.
• Pay in shares equals 93.1% of free cash flow: it dilutes shareholders.

Warning signs

• Free cash flow is only 2.8% of revenue.
• Recovering from its deepest fall took about 1.6 years.

Strengths

• The net margin rose by 68.7 points over 5 years, to 10.2%.
• The gross margin is 60.8% and has risen by 48.9 points: pricing power is holding.
• Analysts expect earnings per share to grow about 34.2% a year over the next years.
• Analysts expect revenue to grow about 15.7% a year over the next years.
• Analysts expect the net margin to improve by 7 points from today's 10.2%.
• Revenue grew 42.1% a year over the last 3 years.

Next earnings report: 2026-11-02

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Questions

What grade does PB Fintech Limited (POLICYBZR.NS) have?

In our weekly check, PB Fintech Limited is graded B (A to F). Of 23 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of POLICYBZR.NS stock?

This week's biggest flags for PB Fintech Limited: Profits not backed by cash, Very volatile, Deep past fall. In total 7 of 23 checks show a warning or a red flag.

What does PB Fintech Limited do?

PB Fintech Limited is a Financial Services company (Insurance - Brokers) based in India, listed on NSE as POLICYBZR.NS.

When does PB Fintech Limited report earnings next?

The next earnings report is expected on 2026-11-02. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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