POLICYBZR - Investment Analysis

Last Updated Time : 02 Aug 25, 12:58 am

Investment Rating: 3.6

📊 Fundamental & Technical Analysis of POLICYBZR (PB Fintech Ltd)

✅ Strengths

Strong Revenue Growth: 44.78% YoY and 16.74% QoQ growth in revenue

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Profit Turnaround: PAT jumped 183% QoQ to ₹171 Cr

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Low Debt: Debt-to-equity ratio of 0.05 indicates financial stability.

Institutional Interest: FII and DII holdings have increased slightly, signaling confidence.

⚠️ Weaknesses

High Valuation: P/E of 260 and PEG of 7.77 suggest extreme overvaluation.

Low ROE (5.13%) & ROCE (5.90%): Indicates poor capital efficiency.

Zero Dividend Yield: Not ideal for income-seeking investors.

Volatile Price Action: RSI at 46.1 and MACD negative, showing weak momentum.

📈 Ideal Entry Price Zone

Current Price: ₹1,790

52-Week Range: ₹1,311 – ₹2,255

Suggested Entry Zone: ₹1,500 – ₹1,650

This range offers a better margin of safety and aligns with historical support levels

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RSI and MACD suggest potential for further downside before reversal.

🧭 Long-Term Investment Outlook

PB Fintech has growth potential, especially in health and life insurance segments, but current valuations are not justified by profitability metrics.

Long-Term Price Targets (Machine Learning Estimates)

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Year Target 1 Target 2

2025 ₹2,186 ₹2,219

2026 ₹3,271 ₹3,320

2027 ₹4,426 ₹4,492

🛣️ Exit Strategy (If Already Holding)

If Bought Above ₹2,000

Exit on rallies near ₹2,200–₹2,300.

Reinvest in more fundamentally sound stocks with better ROE/ROCE.

If Bought Below ₹1,500

Hold for 2–3 years, reassess at ₹2,200 levels.

Consider partial profit booking if PEG remains above 5.

Monitoring Metrics

ROE/ROCE improvement

PEG ratio trend (target < 2.5)

Institutional holding patterns

Quarterly PAT consistency

Would you like a side-by-side comparison with other fintech players like Paytm or Muthoot Finance to evaluate alternatives?

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www.topstockresearch.com

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www.alphaspread.com

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stockpricearchive.com

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dailybulls.in

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