One 97 Communications Limited vs PB Fintech Limited

A side-by-side comparison of One 97 Communications Limited (PAYTM) and PB Fintech Limited (POLICYBZR) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

On the numbers, PB Fintech Limited leads PAYTM vs POLICYBZR on 9 of 14 metrics (2 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation12
  • Profitability04
  • Growth01
  • Size & financial health22
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

POLICYBZR takes 2/4

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

195.55
P/E ratio
73.39
6.96
P/B ratio
11.41
0.00%
Dividend yield even
0.00%
₹8.66
EPS
₹14.58

Profitability

POLICYBZR takes 4/4

How efficiently each company turns capital and sales into profit. Higher is better.

3.45%
Return on equity
9.16%
3.70%
Return on capital
10.18%
5.95%
EBITDA margin
7.50%
6.54%
Net margin
9.86%

Growth

POLICYBZR takes 1/2

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

1.83%
Revenue CAGR (3Y)
38.49%
—
Profit CAGR (3Y)
—

Size & financial health

Even

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹1.09L Cr
Market cap
₹49,515 Cr
₹8,437 Cr
Revenue
₹6,794 Cr
₹552 Cr
Net profit
₹670 Cr
0.01
Debt / equity
0.00
One 97 Communications Limited
  • + ["Company has delivered good sales growth of 24.7% CAGR over last 5 years"]
  • − ["Stock is trading at 6.79 times its book value", "Company has a low return on equity of -4.0% over last 3 years."]
PB Fintech Limited
  • + ["Company has delivered good sales growth of 50.3% CAGR over last 5 years"]
  • − ["Stock is trading at 6.77 times its book value", "Company has a low return on equity of 5.5% over last 3 years.", "Though the company is reporting repeated profits, it is not paying out dividend"]
One 97 Communications Limited full analysis PB Fintech Limited full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.