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Decode cash flow statement to boost your company’s growth

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Eliminate the employee onboarding hassle with Xebra’s automation

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India’s tech companies have a big talent problem

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Minutes Show India Will Go Slow on Exiting Easy Money Policy

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Amplify e-commerce and help all MSMEs reach markets online

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Investors decode impact of Budget 2022 on startup ecosystem

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More than 66 lakh MSMEs registered on Udyam portal: Economic Survey

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As govt pushes for digital payments, here’s how active MSME Ministry is in transacting digitally

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How ‘Shark Tank India’ Has Given A Boost To Women Entrepreneurs

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Budget 2022: What is in it for startups?

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Xebra’s Vendor Portal that streamlines payments

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Improve your cash flow with Xebra’s dedicated client portal

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Xebra’s smart alerts notify you when expenses can cross budgeted limit

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Xebra helps you track your revenue targets that you have set client-wise or product/service wise!

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Eliminate the hassle of manually creating monthly recurring expenses forever!

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Xebra is thrilled to be selected in NASSCOM 10,000 Start-ups program

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Eliminate the hassle of manually creating monthly recurring invoices forever!

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Disburse monthly asset purchase payments in less than a minute!

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How did digital communication change post covid?

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Watch how pandemic has changed communication strategy for MSME companies

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The Evolving Landscape of Security and Privacy in FinTech

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Ecommerce Agency Owner Roundtable (Virtual Event)

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Disburse monthly company purchases in less than a minute!

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Increase your cash-flow and profitability with Xebra!

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Multiple GST no’s delayed your tax calculation and accounting entries?

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Disburse employee monthly salaries in less than a minute!

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Disburse your monthly Company Expenses in under a minute!

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Ways to Improve your cash flow and collect money faster from your clients

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Step by step guide to kick-start your small business

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How can you maintain accounting accuracy for your small business?

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Onboarding Simplified for MSMEs

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How & Why Saas tools can help your small business?

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Should SMEs in India buy Saas applications and other online tools to become efficient and effective

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Xebra makes payroll a breeze!

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How does an invoicing software work?

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What are the basic accounting disciplines that small companies and start-ups should follow?

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SaaS application that streamlines your accounting, invoicing, and payroll needs of your business.

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Do biz-finance software’s contribute to start-ups in terms of value creation, relationships, counsel, and influence

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Accountant Vs. Bookkeeper- What’s the difference?

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Will accountants be replaced by computers in the coming years?

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Is an online business and finance software the right move for your small business?

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What are the accounting alternatives to tally for a small business?

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All You Need to know about Banking Terms

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Everything you wanted to know about Tax Deducted at Source TDS

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5 Ways Small Business Are Adopting Cloud Software

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In Conversation with Nimesh Shah Xebra Business Financial Suite

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How Cloud Accounting Can Help Small Business

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Don’t let the lockdown impact your business

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Why every founder must do business financial analysis during this lockdown

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Four free business applications you can use while working from home

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The 10 features in an ideal Online Invoicing Software

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News

India’s tech companies have a big talent problem

Read More...

Minutes Show India Will Go Slow on Exiting Easy Money Policy

Read More...

Amplify e-commerce and help all MSMEs reach markets online

Read More...

A 2022 vision: 5 lessons from 2021 coming into focus

Read More...

Investors decode impact of Budget 2022 on startup ecosystem

Read More...

More than 66 lakh MSMEs registered on Udyam portal: Economic Survey

Read More...

As govt pushes for digital payments, here’s how active MSME Ministry is in transacting digitally

Read More...

How ‘Shark Tank India’ Has Given A Boost To Women Entrepreneurs

Read More...

Budget 2022: What is in it for startups?

Read More...

Xebra is thrilled to be selected in NASSCOM 10,000 Start-ups program

Read More...

The Evolving Landscape of Security and Privacy in FinTech

Read More...

Ecommerce Agency Owner Roundtable (Virtual Event)

Read More...

Media

How did digital communication change post covid?

Read More...

Watch how pandemic has changed communication strategy for MSME companies

Read More...

In Conversation with Nimesh Shah Xebra Business Financial Suite

Read More...

Why every founder must do business financial analysis during this lockdown

Read More...

Four free business applications you can use while working from home

Read More...

Product

Decode cash flow statement to boost your company’s growth

Read More...

Step by step guide to kick-start your small business

Read More...

How can you maintain accounting accuracy for your small business?

Read More...

Onboarding Simplified for MSMEs

Read More...

How & Why Saas tools can help your small business?

Read More...

Should SMEs in India buy Saas applications and other online tools to become efficient and effective

Read More...

Xebra makes payroll a breeze!

Read More...

How does an invoicing software work?

Read More...

What are the basic accounting disciplines that small companies and start-ups should follow?

Read More...

SaaS application that streamlines your accounting, invoicing, and payroll needs of your business.

Read More...

Do biz-finance software’s contribute to start-ups in terms of value creation, relationships, counsel, and influence

Read More...

Accountant Vs. Bookkeeper- What’s the difference?

Read More...

Will accountants be replaced by computers in the coming years?

Read More...

Is an online business and finance software the right move for your small business?

Read More...

Should small business outsource their bookkeeping requirement or carry it out in-house?

Read More...

What are the accounting alternatives to tally for a small business?

Read More...

All You Need to know about Banking Terms

Read More...

Everything you wanted to know about Tax Deducted at Source TDS

Read More...

5 Ways Small Business Are Adopting Cloud Software

Read More...

How Cloud Accounting Can Help Small Business

Read More...

Don’t let the lockdown impact your business

Read More...

The 10 features in an ideal Online Invoicing Software

Read More...

Video

Eliminate the employee onboarding hassle with Xebra’s automation

Read More...

Xebra’s Vendor Portal that streamlines payments

Read More...

Improve your cash flow with Xebra’s dedicated client portal

Read More...

Xebra’s smart alerts notify you when expenses can cross budgeted limit

Read More...

Xebra helps you track your revenue targets that you have set client-wise or product/service wise!

Read More...

Eliminate the hassle of manually creating monthly recurring expenses forever!

Read More...

Eliminate the hassle of manually creating monthly recurring invoices forever!

Read More...

Disburse monthly asset purchase payments in less than a minute!

Read More...

Disburse monthly company purchases in less than a minute!

Read More...

Increase your cash-flow and profitability with Xebra!

Read More...

Multiple GST no’s delayed your tax calculation and accounting entries?

Read More...

Disburse employee monthly salaries in less than a minute!

Read More...

Disburse your monthly Company Expenses in under a minute!

Read More...

Ways to Improve your cash flow and collect money faster from your clients

Read More...

'Policybazaar over Zomato': Why brokerage sees over 40% upside on PB Fintech shares

Deep domain understanding, successes in selling a difficult product & clear roadmap for profitability drive the brokerage's Buy rating on Policybazaar stock.

Preferring Policybazaar over Zomato shares, brokerage and research firm Ambit said that deep domain understanding, successes in selling a difficult product and clear roadmap for profitability drive its Buy rating on PB Fintech shares, with a target price of ₹944 a piece, implying a potential upside of more than 43% from current levels.

“Profitability is more a matter of choice, not chance as renewal premium pool (90%+ contribution margins) expands over time to around 60% of premiums. This should translate into 35% EBITDA margins and 45% contribution margins in steady state, with sustained profitability post FY25E. A grounded management with ‘build vs buy’ focus showcasing successes in early scale-up of POSP/group insurance lends confidence," the note stated.

Digitally-enabled brokers such as Policybazaar stand to gain from strong structural enablers, especially with focus on differentiated retail products, Ambit highlighted, saying that low insurance penetration in India and inherent need are the key reasons to be bullish.

PB Fintech houses India’s 2 largest online (web aggregator) platforms for insurance and lending products, Policybazaar and Paisabazaar respectively. Though, the brokerage sees exit of larger insurers, fall in commissions and shortcomings in selling complex insurance products (life/health) as key risks.

“Profitability at PB is likely to be achieved earlier in FY25E versus FY27E at Zomato in our view. Also PB business model has embedded profitability on account of an ever rising pool of renewal premiums with contribution margins of 90%+. We expect renewal revenues to rise to 47% of revenue by FY41E at Policybazaar (versus 11% currently)," the brokerage added.

Read more at : https://bit.ly/3LYbvnews15

 

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