POLICYBZR - Fundamental Analysis: Financial Health & Valuation

Last Updated Time : 05 Nov 25, 7:43 am

Fundamental Rating: 3.2

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📊 Fundamental Analysis Report

• Stock Code: POLICYBZR
• Market Cap: ₹82,679 Cr
• Current Price: ₹1,792
• 52W High/Low: ₹2,255 / ₹1,311
• EPS: ₹0.13
• Stock P/E: ~179.1 ❗ (Extremely High)
• Book Value: ₹176 | P/B Ratio: ~10.2 ❗
• ROE: -0.03% | ROCE: -0.03% 🔻
• Debt to Equity: 0.00 🟢 (Debt-Free)
• Dividend Yield: 0.00% 🚫
• Quarterly PAT: ₹0.69 Cr (↓87.2%)
• RSI: 62.7 | MACD: -1.65 📉

✅ Positive

• Debt-free structure provides financial flexibility and reduces risk.
• Strong brand recognition in the online insurance and financial product marketplace.
• High trading volume and positive DII sentiment (+3.36%) indicate institutional interest.

⚠️ Limitation

• Negative ROE and ROCE reflect poor capital efficiency and profitability.
• Extremely high P/E (~179) and P/B (~10.2) suggest significant overvaluation.
• Quarterly profit plunged by 87%, raising concerns about earnings consistency.
• No dividend payout limits income potential for investors.

📉 Company Negative News

• Massive drop in quarterly PAT from ₹7.22 Cr to ₹0.69 Cr.
• FII holding reduced by 3.14%, indicating foreign investor caution.

📈 Company Positive News

• Policybazaar may benefit from insurers rolling back commission cuts.
• Three-year return of 221.4% and 25.4% quarterly revenue growth show long-term potential.

🏦 Industry

• Operates in the digital insurance brokerage space, a high-growth segment in India.
• Industry P/E of 43.5 suggests room for valuation normalization if earnings improve.
• Fintech and insurtech sectors are expected to expand with rising digital adoption.

🧭 Conclusion

• Entry Zone: ₹1,400–₹1,500 (closer to support and RSI cooling)
• Long-Term View: High growth potential but currently overvalued with weak profitability. Suitable only for aggressive investors with a long horizon.

Sources

stockpricearchive.com

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