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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
PB Fintech Limited is an India-based company. The Company is in the business of online marketing and information technology consulting/support services. The Company is an online marketplace that offers end-to-end insurance and credit solutions to consumers. Its segments…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling business, trading cheap versus its own history — but flagged on governance.
Policybazaar is scored on the general / industrial framework. It keeps a slim 9.3% of every rupee of sales as net profit. Cash conversion lags the reported profit (CFO/PAT 0.06×) — worth a closer look. Free cash flow is worth about 0.6% of its market value.
Book value has grown 10%/yr. Return on equity is a modest 10.4%. In the latest quarter profit grew 18% versus the prior quarter.
At 66× earnings, the stock sits at the 1st percentile of its own 1.6-year range — the cheap end of where it has historically traded. Today's price already implies ~23%/yr earnings growth sustained for a decade — a demanding bar. The forensic screen raises 2 red flags: Only ₹-0.72 of cash per ₹1 profit over 4 years — earnings not converting to cash; 53% of pre-tax profit is other income, not operations.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 55.57 | 118.27 | better |
| P/B | 5.76 | 9.31 | better |
| EV/EBITDA | 42.74 | 29.98 | worse |
| ROE | 10.36 | 5.16 | better |
| ROCE | 10.98 | 6.28 | better |
| ROA | 8.6 | — | — |
| Quick Ratio | 4.41 | 2.87 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Zomato | 711.8 | 11.2 | 1.6% |
| Paytm | 134.9 | 6.9 | 5.2% |
| Nykaa | 308.9 | 61.0 | 19.5% |
Revenue has grown every year across all 4 financial years shown. 37% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
1 of the 4 years shown had a loss — profitability is inconsistent. The latest year saw a +90% swing — check if it's a one-off or structural.
Operating margin has expanded from -17% to 10% — the business is keeping more of each rupee earned.
ROE at 9% — modest; the capital isn't working hard. Capital efficiency improving — ROE up 18pp across the window.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (223% vs 212%) — share dilution is eroding per-share value. 212% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 0.1× PAT — reported profit isn't translating into cash, raising earnings quality questions. Financing outflows in consecutive years — balance-sheet discipline through debt repayment or dividends.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 15% sequentially — momentum is building.
Profit jumped 18% QoQ — check if this is operating leverage or a one-off item.
How today's P/E compares to the stock's own historical range. Dashed line = the 1.6y median.
FIIs trimmed 13.7pp — foreign money is rotating out. MF holding up 15.3pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.