PB Fintech (BOM:543390) Moat Score: 0/10 (As of Jul. 30, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:543390 PB Fintech Ltd BOM:543390
80 GF Score
Price ₹1,610.40
GF Value ₹2,485.72
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is PB Fintech Moat Score?

PB Fintech has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

PB Fintech has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes PB Fintech might have No Moat - No discernible moat.

PB Fintech  (BOM:543390) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

PB Fintech Moat Score Related Terms

BOM:543390
80GF Score
PB Fintech Ltd BOM:543390
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is PB Fintech (BOM:543390) Overvalued in 2026?

Based on GuruFocus' analysis, PB Fintech stock appears to be undervalued. The current stock price of ₹1,610.40 is trading 35.2% below its estimated GF Value™ of ₹2,485.72. GuruFocus considers PB Fintech to be Possible Value Trap.

Key valuation signals for BOM:543390:

  • Moat Score: 0
  • GF Value™: ₹2,485.72 vs. price of ₹1,610.40 (35.2% below fair value)
  • GF Score™: 80/100 with 4 warning signs

No single metric tells the full story. See the BOM:543390 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PB Fintech Business Description

Other Exchanges POLICYBZR:India
Address Sector 44, Plot No. 119, Gurugram, HR, IND, 122001
PB Fintech Ltd is an integrated online marketing and consulting firm serving the financial services industry, including insurance. Its revenue mainly comes from commissions on insurance and financial products sold online and offline. Services include online marketing, product aggregation, insurance commissions, outsourcing for insurers, generating sales, IT support, and lending-related fees. The business operates in a single segment focused on financial services, with all revenue generated within India. The Company helps middle-class households secure social security by providing solutions for protecting against death and disease, planning for child education and pensions, and accessing financial and lending products.
80GF Score

Get the complete analysis for BOM:543390

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,610.40
Price
₹2,485.72
GF Value