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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
09/28/2026: RDZN (1-star) is currently NOT-A-BUY. Pass it for now.
Roadzen Inc. is an emerging AI-driven technology company that provides digital tools for the automotive insurance industry, including automated claims processing and telematics. Its core strength lies in its specialized computer vision and AI platform, which helps insurers improve efficiency and modernize legacy systems. The company's primary growth opportunity is the ongoing digital transformation of automotive insurance, both in emerging markets and through international expansion. However, it faces significant risks from established competitors, high valuation expectations, and the necessity to execute in a competitive global landscape. Roadzen is best suited for growth-oriented investors and requires monitoring for milestones in market penetration and profitability.
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 | Mixed fit | The company offers exposure to the nascent InsurTech space but requires proven scale and consistent profitability. |
| Momentum investor | Weak fit | The stock lacks consistent long-term upward price momentum and is subject to high volatility. |
| Value investor | Weak fit | Roadzen is currently focused on growth and does not meet traditional value investing criteria. |
| Dividend investor | Weak fit | The company does not pay a dividend and has no current plans to initiate one. |
| Low-risk investor | Weak fit | The high volatility and business risk profile make this unsuitable for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock's limited liquidity and growth-stage status lead to significant price fluctuations. |
| Valuation risk | Medium / high | The company's valuation is highly dependent on future growth assumptions that remain subject to execution risk. |
| Competition risk (AI competition) | High | Large incumbents are aggressively investing in AI, which could erode Roadzen's technological differentiation. |
| Business quality | Medium | While the platform is innovative, the company is still establishing its market position and operational maturity. |
| Dividend income | Low / none | Investors should expect no income generation from this equity. |
| Execution risk | High | The company must successfully scale its technology across multiple international markets to justify its business model. |
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 -33.16% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/28/2026 |
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 106.88M USD | Price to earnings Ratio 6.28 | 1Y Target Price 5 |
Price to earnings Ratio 6.28 | 1Y Target Price 5 | ||
Volume (30-day avg) 345.7K shares | Beta 1.25 | 52 Weeks Range 0.86 - 2.56 | Updated Date 09/28/2026 |
52 Weeks Range 0.86 - 2.56 | Updated Date 09/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.2 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Software-as-a-Service (SaaS) | Subscription and usage-based fees from insurance companies using the AI platform. | The company earns recurring revenue by helping insurers save money through better automation. |
| Data & Telematics | Licensing of driver behavior data and analytics to insurance partners. | Money is made by selling actionable insights derived from vehicle sensor and driver data. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 6.28 | Forward PE - | Enterprise Value 128.54M | Price to Sales(TTM) 1.77 |
Enterprise Value 128.54M | Price to Sales(TTM) 1.77 | ||
Enterprise Value to Revenue 2.13 | Enterprise Value to EBITDA -4.38 | Shares Outstanding 85.17M | Shares Floating 26.95M |
Shares Outstanding 85.17M | Shares Floating 26.95M | ||
Percent Insiders 42.66 | Percent Institutions 8.32 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About Roadzen Inc.
Exchange NASDAQ | Headquarters Burlingame, CA, United States | ||
IPO Launch date 2023-09-21 | CEO - | ||
Sector Technology | Industry Software - Application | Full time employees 458 | Website https://www.roadzen.ai |
Full time employees 458 | Website https://www.roadzen.ai | ||
Roadzen, Inc. operates an Insurtech company in India, the United States, the United Kingdom, and Europe. The company offers underwriting solutions for cars, drivers and fleets, road safety using app-based, and computer vision-based telematics, such as accident prevention, distraction alerts, and driver coaching, as well as claims management comprising accident scene management, first notice of loss (FNOL), touchless video loss adjustment, and roadside assistance (RSA). Its Insurance as a Service (IaaS) platform product includes Via that is used to inspect a vehicle using computer vision; Global Distribution Network that enables the configuration, customer quote, payment, and administration of any insurance policy with any insurance carrier as the underwriter; and Claim which enables digital, touchless and real-time resolution of claims from FNOL through payment. It also provides StrandD for digital, real-time dispatch, and tracking for RSA and FNOL during accident claims; DrivebuddyAI that enables any vehicle to get advanced driver-assistance capabilities; MixtapeAI, a platform to power AI agents and transform customer interactions; Good Driving which insurers and fleets to recognize and train drivers and build usage-based insurance programs; and Autospace, a workshop management software platform. In addition, the company acts as an insurance brokers to sell insurance policies from any insurer and offer these products through multiple distribution channels. It serves insurers, automotive, insurance companies, reinsurers, agents, brokers, carmakers, dealerships, online-to-offline car sales platforms, fleets, taxicab companies, ridesharing platforms, and other distribution channels. The company was founded in 2015 and is based in Burlingame, California.
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