PB FinTech Intrinsic Value
PB FinTech (POLICYBZR) median intrinsic value is ₹596.52 from 9 valuation models (range ₹535–₹1589), vs current price ₹1784.80 — -66.6% downside (Trading Above Calculated Value), margin of safety -100.0%. Also explore PB FinTech share price performance to track price trends across different timeframes.
POLICYBZR Valuation Methods Summary — DCF, Graham Number & P/E
PB FinTech intrinsic value across 9 models vs current price ₹1784.80 — upside/downside and value range per method. For current market price and key ratios, visit POLICYBZR stock price BSE.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹535.44 | ₹428.35 - ₹642.53 | -70.0% | EPS: ₹22.60, Sector P/E: 12x |
| Book Value Method | asset | ₹559.83 | ₹503.85 - ₹615.81 | -68.6% | Book Value/Share: ₹699.78, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹941.74 | ₹847.57 - ₹1035.91 | -47.2% | Revenue/Share: ₹941.74, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹713.92 | ₹642.53 - ₹785.31 | -60.0% | EBITDA: ₹1268.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹713.92 | ₹571.14 - ₹856.70 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹535.44 | ₹481.90 - ₹588.98 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹535.44 | ₹481.90 - ₹588.98 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1588.70 | ₹1429.83 - ₹1747.57 | -11.0% | ROE: 16.2%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹596.52 | ₹536.87 - ₹656.17 | -66.6% | EPS: ₹22.60, BVPS: ₹699.78 |
POLICYBZR Intrinsic Value vs Market Price — All Valuation Models
PB FinTech fair value range ₹535–₹1589 vs current market price ₹1784.80 across 9 valuation models. Browse POLICYBZR cash flow statement for revenue, profit, balance sheet and cash flow data.
POLICYBZR Intrinsic Value Analysis — Undervalued or Overvalued?
PB FinTech median intrinsic value ₹596.52, current price ₹1784.80 — Trading Above Calculated Value by 66.6%, margin of safety -100.0%.
What is the intrinsic value of POLICYBZR?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of PB FinTech (POLICYBZR) is ₹596.52 (median value). With the current market price of ₹1784.80, this represents a -66.6% variance from our estimated fair value.
The valuation range spans from ₹535.44 to ₹1588.70, indicating ₹535.44 - ₹1588.70.
Is POLICYBZR undervalued or overvalued?
Based on our multi-method analysis, PB FinTech (POLICYBZR) appears to be trading above calculated value by approximately 66.6%.
POLICYBZR Financial Health — Key Ratios vs Industry Benchmarks
PB FinTech financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 11.33 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | 16.2% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 10.0% | Industry Standard: 20%+ | Above 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 1.15x | Industry Standard: 1.0x+ | Above 1.0x | Measures asset utilization efficiency |
POLICYBZR Cash Flow Quality — Operating & Free Cash Flow
PB FinTech operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-183 Cr | ₹-183 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹9 Cr | ₹9 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-299 Cr | ₹-299 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-1,568 Cr | ₹-2,631 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹29 Cr | ₹-572 Cr | Positive Operating Cash Flow | 6/10 |