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PB Fintech Limited Q1 FY27 earnings call summary

NSE: POLICYBZR · BSE: 543390

Earnings call of 5 Aug 2026, summarised by AI from the filing.

Renewals growth guided upwards of 50% for some time now.

Key takeaways

  1. Renewal guidance Renewals growth guided upwards of 50% for some time now.
  2. Paisabazaar EBITDA FY27 EBITDA guided at about half of ₹100 cr, lowered from analyst meet expectation.
  3. Protection growth New health and term insurance grew 53%, with new health growing 59% year-on-year for the core business.
  4. Regulatory risk Effort-based commission change and dark pattern rules could alter channel economics.

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.