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RATING
RECOMMENDATION
Buy
Business Type
Fairly Valued
Get detailed information about the Policybazaar Pre IPO shares. In this research report, you will get to know about Policybazaar Key Ratio data. In addition, get the Complete details about the Net Profit Growth, Revenue Growth and Book Value Growth.
Policybazaar Revenue Growth
Growth in %
11.90%
1 Year
34.55%
2 Year
Insurance commission of the company has increased, it includes addition of new customers as well aa commission earned by renewal of policies. Company is performing good in its domain and now looking to expand the revenue base by approaching different segment of economy, which can generate huge amount of revenue for the company in long term
Policybazaar Net Profit Growth(PAT)
Growth in %
NA
1 Year
NA
2 Year
Net profit of the company is negative from past 3 years, but is continuously improving. In Fy21 company has seen improvement in its profit as due to insurance awareness spread by government, they decreased their advertising expenses and still saw increase in demand for services, which led to reduction in gap between revenue and expenses.
Policybazaar EPS Growth
Growth in %
NA
1 Year
NA
2 Year
Company is not profitable from previous 3 years but they are improving every year. As of now company is not able to generate good returns but the improvement in financials and management can assure us of good future performance, and adequate earnings.
Policybazaar Book Value Growth
Growth in %
85.50%
1 Year
Company's reserves and surplus have increased, which will be used as employee benefit expense. According to data it can be estimated that company is planning to pay off huge portion of employee benefit expenses by these reserves. This can reduce the cash expenses of the company and will lead to improvement in operating profit in future.
One of the important factor for improvement in book value can also be increase in security premium, which is constantly improving every year due to gain in reputation of the company.
Policybazaar EBITDA Growth
Growth in %
NA
1 Year
NA
2 Year
Policybazaar Operating Profit Growth
Growth in %
NA
1 Year
NA
2 Year
Policybazaar Asset Growth
Growth in %
47.89%
1 Year
76.11%
2 Year
In recent years there is huge growth in total assets due to increase in investments and fixed deposits of the company. According to expansion plans they will further increase their assets in coming years, which will give them long term benefits.
Policybazaar Cash Flow from Operations
Growth in %
NA
1 Year
NA
2 Year
There is continuous growth in company's cash flow from operations, this year company has seen positive cash flow due to improvements in profit. They have also received income tax refund this year, which improved their cash inflow.
Policybazaar D/E Ratio
Total equity of the company is constantly improving, in FY21 the security premium of the company has seen huge jump because of increased reputation and goodwill of the company and company has also increased their equity based payment reserves, which is used to recognise grant date fair value of ESOP. All this led to improvement in D/E ratio of the company and shows that now company is less dependent on lenders.
Policybazaar Current Ratio
Current ratio of the company has increased due to increase in investments and fixed deposits of the company with maturity time less than 1 year, while current liabilities are constant.
Policybazaar Quick Ratio
Policybazaar Interest Coverage Ratio
Interest of the company is stable, though profit of the company has improved this year which suggest now company is more capable of handling its interest cost.
From past 2 years operating efficiency of the company is improving, but is still in negative due to negative profits. Major portion of company's income is used in employees benefit expenses and advertisement. Infact a portion of amount raised from IPO will be utilized for the same, but year on year the utilization of funds is getting better.
Policybazaar Operating Profit EBIT Margin(OPM)
Policybazaar Profit Before Tax Margin (PBT Margin)
Policybazaar Profit After Tax Margin (PAT Margin)
Policybazaar Return on Equity(RoE)
ROE of the company is negative but is improving due to better utilization of resources. Company is working on management of its operational expenses, which takes up major portion of its income. As this happens company would be able to generate good amount of returns on its equity.
Policybazaar Return on Capital Employed(RoCE)
In Fy21 Equity of the company has seen a huge jump while debt is stable. Still profit of the company is negative which suggest company could not manage capital effectively, but as company have many expansion plans and has improved its position from last year it shows they are working on better management of funds.
Policybazaar Return to Assets (RoA)
Total assets of the company are continuously increasing at cagr of around 60%, but company is not able to generate adequate return on assets, as the company has many offline expansion plans as of now which has increased the demand for asset but these assets are gonna generate good amount of profit for the company in long run.
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