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PB Fintech Limited Q2 FY26 earnings call summary

NSE: POLICYBZR · BSE: 543390

Earnings call of 29 Oct 2025, summarised by AI from the filing.

Premium will be reported without GST from next quarter, with past restated.

Key takeaways

  1. GST change Premium will be reported without GST from next quarter, with past restated.
  2. Growth driver Online protection business grew 44% YoY and Health 60% YoY, driving premium growth.
  3. Risk Fresh Health business is loss-making at Contribution level, pushing margins down.

Original filing on BSE

PB Fintech Limited Q1 FY27 results

As filed: Revenue ₹1,888 cr (+40% year on year), EBITDA ₹139 cr (+300% year on year), PAT ₹163 cr (+92% year on year), EBITDA margin 7.4% (+485 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹2,061 cr (+37% year on year), EBITDA ₹218 cr (+93% year on year), PAT ₹261 cr (+53% year on year), EBITDA margin 10.6% (+309 bps). Score 33 of 100, Below trend. Revenue growth was below the company's own trend; profit growth was well below it. EBITDA margin rose 309 bps year on year. Other income 38% of PBT. Tax rate 4%. Revenue rose ₹553 cr on a year ago, more than the ₹418 cr it added the year before. Share price after the results: −9.9% in 30 days (Nifty 500: −2.9%).
  • Q3 FY26: Revenue ₹1,771 cr (+37% year on year), EBITDA ₹159 cr (+300% year on year), PAT ₹189 cr (+163% year on year), EBITDA margin 9.0% (+680 bps). Score 52 of 100, In line with trend. Revenue growth was below the company's own trend; profit growth was above it. EBITDA margin rose 680 bps year on year. Other income 42% of PBT. Tax rate 6%. Revenue rose ₹479 cr on a year ago, more than the ₹421 cr it added the year before. Share price after the results: −5.3% in 30 days (Nifty 500: −1.9%).
  • Q2 FY26: Revenue ₹1,614 cr (+38% year on year), EBITDA ₹97.0 cr, PAT ₹135 cr (+165% year on year), EBITDA margin 6.0% (+670 bps). Score 38 of 100, Below trend. Revenue growth was in line with the company's own trend. EBITDA margin rose 670 bps year on year. Other income 61% of PBT. Tax rate 5%. Consolidated profit +165% but standalone -80%. Revenue rose ₹447 cr on a year ago, more than the ₹355 cr it added the year before. Share price after the results: +5.5% in 30 days (Nifty 500: −0.1%).
  • Q1 FY26: Revenue ₹1,348 cr (+33% year on year), EBITDA ₹34.0 cr, PAT ₹85.0 cr (+42% year on year), EBITDA margin 2.5% (+638 bps). Score 26 of 100, Below trend. Revenue growth was below the company's own trend. EBITDA margin rose 638 bps year on year. Other income 109% of PBT. Tax rate 9%. Consolidated profit +42% but standalone -30%. Revenue fell 11% from last quarter. Revenue rose ₹338 cr on a year ago, against ₹344 cr the year before. Share price after the results: −2.3% in 29 days (Nifty 500: −2.0%).
  • Q4 FY25: Revenue ₹1,508 cr (+38% year on year), EBITDA ₹113 cr (+300% year on year), PAT ₹171 cr (+185% year on year), EBITDA margin 7.5% (+694 bps). Score 58 of 100, In line with trend. Revenue growth was below the company's own trend. EBITDA margin rose 694 bps year on year. Other income 59% of PBT. Tax rate 1%. Revenue rose ₹418 cr on a year ago, more than the ₹221 cr it added the year before. Share price after the results: +6.3% in 29 days (Nifty 500: +0.5%).
  • Q3 FY25: Revenue ₹1,292 cr (+48% year on year), EBITDA ₹28.0 cr, PAT ₹72.0 cr (+95% year on year), EBITDA margin 2.2% (+515 bps). Score 52 of 100, In line with trend. Revenue growth was above the company's own trend. EBITDA margin rose 515 bps year on year. Other income 118% of PBT. Consolidated profit +95% but standalone -48%. Revenue rose ₹421 cr on a year ago, more than the ₹261 cr it added the year before.
  • Q2 FY25: Revenue ₹1,167 cr (+44% year on year), EBITDA −₹8.0 cr, PAT ₹51.0 cr, EBITDA margin -0.7% (+1,000 bps). Score 85 of 100, Above trend. EBITDA margin rose 1000 bps year on year. Other income 177% of PBT. Not enough history for a trend yet: scored on growth alone. Profit fell 15% from last quarter.

Past price moves after results do not indicate future moves. Not a recommendation.

PB Fintech Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.