PB FinTech Intrinsic Value
POLICYBZR • Financial Services
Current Stock Price
₹1459.20
Primary Intrinsic Value
₹437.76
Market Cap
₹134.2K Cr
-61.6%
Downside
Median Value
₹559.83
Value Range
₹438 - ₹740
Assessment
Trading Above Calculated Value
Safety Margin
-100.0%
POLICYBZR Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹437.76 | ₹350.21 - ₹525.31 | -70.0% | EPS: ₹11.76, Sector P/E: 12x |
| Book Value Method | asset | ₹559.83 | ₹503.85 - ₹615.81 | -61.6% | Book Value/Share: ₹699.78, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹739.57 | ₹665.61 - ₹813.53 | -49.3% | Revenue/Share: ₹739.57, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹583.68 | ₹525.31 - ₹642.05 | -60.0% | EBITDA: ₹740.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹583.68 | ₹466.94 - ₹700.42 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹437.76 | ₹393.98 - ₹481.54 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹437.76 | ₹393.98 - ₹481.54 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹729.60 | ₹656.64 - ₹802.56 | -50.0% | ROE: 8.4%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹437.76 | ₹393.98 - ₹481.54 | -70.0% | EPS: ₹11.76, BVPS: ₹699.78 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
POLICYBZR Intrinsic Value Analysis
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 ₹559.83 (median value). With the current market price of ₹1459.20, this represents a -61.6% variance from our estimated fair value.
The valuation range spans from ₹437.76 to ₹739.57, indicating ₹437.76 - ₹739.57.
Is POLICYBZR undervalued or overvalued?
Based on our multi-method analysis, PB FinTech (POLICYBZR) appears to be trading above calculated value by approximately 61.6%.
Financial Health Analysis
| 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 | 8.4% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 6.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.90x | Industry Standard: 1.0x+ | Above 0.5x | Measures asset utilization efficiency |
Related Pages for PB FinTech
Additional stock information and data for POLICYBZR
Cash Flow Quality Analysis
| 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 |