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Upturn AI Summary - About
Roadzen Inc.(RDZN)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RDZN
10/26/2026: RDZN (1-star) is currently NOT-A-BUY. Pass it for now.
Roadzen Inc. is a global technology company providing an AI-powered insurance-as-a-service platform that helps insurers, carmakers, and fleets manage underwriting and claims. The company is known for its capital-light approach, which integrates AI, telematics, and computer vision to improve insurance accuracy and safety outcomes. Its primary investment story hinges on becoming the underlying operating system for mobility insurance, particularly through partnerships with major global OEMs. However, the company faces significant competition, ongoing financial losses, and execution risks associated with scaling operations and managing M&A activity. The stock may suit growth-oriented investors who can tolerate high volatility, though it is not a fit for conservative or dividend-focused portfolios.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | Roadzen is in a high-growth phase targeting significant revenue expansion in the insurtech sector. |
| Momentum investor | Strong fit while signal remains positive | The company's recent strong revenue growth and M&A activities may appeal to momentum-focused traders. |
| Value investor | Weak fit | Roadzen is not currently profitable and carries the typical valuation risks of a high-growth technology stock. |
| Dividend investor | Weak fit | The company does not pay dividends and prioritizes capital reinvestment over income distributions. |
| Low-risk investor | Weak fit | Roadzen is a micro-cap stock with high volatility, making it unsuitable for risk-averse portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | As a micro-cap stock in the tech sector, its price can fluctuate significantly based on news and market sentiment. |
| Valuation risk | High | The stock's valuation is tied to future growth projections, which may not be realized. |
| Competition risk (AI/Tech) | Medium / high | It competes with larger, more established technology firms for market share in AI and insurance. |
| Business quality | Medium | While the platform has strong technological potential, the company is still in the process of scaling to consistent profitability. |
| Dividend income | Low / none | Shareholders cannot expect dividend income as the company is focused on growth. |
| Execution risk | Medium / high | Successful integration of recent acquisitions and scaling of global contracts is critical for achieving financial targets. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit -44.6% | Avg. Invested days 19 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/26/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 96.24M USD | Price to earnings Ratio 5.14 | 1Y Target Price 5 |
Price to earnings Ratio 5.14 | 1Y Target Price 5 | ||
Volume (30-day avg) 361.8K shares | Beta 1.25 | 52 Weeks Range 0.98 - 2.56 | Updated Date 10/25/2026 |
52 Weeks Range 0.98 - 2.56 | Updated Date 10/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.22 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Brokerage & IaaS Fees | Commission fees for distributing insurance and SaaS subscription fees for the IaaS platform. | Roadzen makes money through both direct insurance distribution and software service fees from its enterprise platform. |
| Geography Exposure | Operations spanning the U.S., U.K., India, and other international markets. | The company is globally diversified, which spreads risk but also exposes it to varying regional regulations and economic cycles. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 5.14 | Forward PE - | Enterprise Value 89.67M | Price to Sales(TTM) 1.59 |
Enterprise Value 89.67M | Price to Sales(TTM) 1.59 | ||
Enterprise Value to Revenue 1.94 | Enterprise Value to EBITDA -4.38 | Shares Outstanding 85.17M | Shares Floating 26.95M |
Shares Outstanding 85.17M | Shares Floating 26.95M | ||
Percent Insiders 41.52 | Percent Institutions 8.33 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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