PB FinTech Intrinsic Value
PB FinTech (POLICYBZR) median intrinsic value is ₹632.56 from 9 valuation models (range ₹523–₹1347), vs current price ₹1743.00 — -63.7% downside (Trading Above Calculated Value), margin of safety -100.0%. See POLICYBZR book value comparison to compare market price against book value per share.
POLICYBZR Valuation Methods Summary — DCF, Graham Number & P/E
PB FinTech intrinsic value across 9 models vs current price ₹1743.00 — upside/downside and value range per method. Check PB FinTech networth to track the company's total market size over time.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹522.90 | ₹418.32 - ₹627.48 | -70.0% | EPS: ₹22.60, Sector P/E: 12x |
| Book Value Method | asset | ₹629.51 | ₹566.56 - ₹692.46 | -63.9% | Book Value/Share: ₹786.88, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹931.61 | ₹838.45 - ₹1024.77 | -46.6% | Revenue/Share: ₹931.61, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹697.20 | ₹627.48 - ₹766.92 | -60.0% | EBITDA: ₹1268.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹697.20 | ₹557.76 - ₹836.64 | -60.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹522.90 | ₹470.61 - ₹575.19 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹522.90 | ₹470.61 - ₹575.19 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1347.10 | ₹1212.39 - ₹1481.81 | -22.7% | ROE: 14.3%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹632.56 | ₹569.30 - ₹695.82 | -63.7% | EPS: ₹22.60, BVPS: ₹786.88 |
POLICYBZR Intrinsic Value vs Market Price — All Valuation Models
PB FinTech fair value range ₹523–₹1347 vs current market price ₹1743.00 across 9 valuation models. For current market price and key ratios, visit POLICYBZR stock price BSE.
POLICYBZR Intrinsic Value Analysis — Undervalued or Overvalued?
PB FinTech median intrinsic value ₹632.56, current price ₹1743.00 — Trading Above Calculated Value by 63.7%, 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 ₹632.56 (median value). With the current market price of ₹1743.00, this represents a -63.7% variance from our estimated fair value.
The valuation range spans from ₹522.90 to ₹1347.10, indicating ₹522.90 - ₹1347.10.
Is POLICYBZR undervalued or overvalued?
Based on our multi-method analysis, PB FinTech (POLICYBZR) appears to be trading above calculated value by approximately 63.7%.
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 | 11.02 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | 14.3% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 10.0% | Industry Standard: 20%+ | Above 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 1.00x | Industry Standard: 1.0x+ | Above 0.5x | 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 2026 | ₹42 Cr | ₹42 Cr | Positive Free Cash Flow | 8/10 |
| 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 |