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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
PB Fintech
PB Fintech (POLICYBZR) investor relations material
PB Fintech Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary30 Oct, 2026
Executive summary
Q2FY27 revenue from operations rose 35% YoY to INR 2,177.71 Cr; PAT increased 43% to INR 192.39 Cr, with margin improving to 9% from 8%.
Q2 total insurance premium grew 38% YoY to INR 9,385 Cr; core online protection premium rose 42%, led by 46% growth in new health premium.
H1FY27 revenue reached INR 4,066 Cr versus INR 2,962 Cr; PAT was INR 355 Cr versus INR 220 Cr.
Core insurance and credit grew, while new initiatives expanded but remained loss-making on an adjusted EBITDA basis.
Financial highlights
Core insurance revenue grew 42% YoY and core credit revenue 19%; new-initiative revenue rose 28%.
Q2 adjusted EBITDA was INR 216 Cr, up 39% YoY; EBITDA was INR 166 Cr, up 69%.
H1 adjusted EBITDA rose 64% to INR 402 Cr; H1 EBITDA increased 131% to INR 305 Cr.
H1 insurance premium reached INR 17,757 Cr, up 39% YoY, and loan disbursals were INR 9,105 Cr.
Q2 profit before tax was INR 205.41 Cr versus INR 142.06 Cr; total income was INR 2,277.56 Cr.
Segment performance
Core renewal and trail revenue reached INR 1,097 Cr on a rolling 12-month basis, up 42%; quarterly core insurance renewal revenue reached INR 1,153 Cr ARR, up 52%.
PB Partners premium rose 36% YoY to INR 1,989 Cr excluding GST; revenue grew 39% to INR 698 Cr, with 76% of GWP from Tier 2 and Tier 3 markets.
Core online loan disbursals rose 22% YoY to INR 2,791 Cr, led by 30% growth in unsecured lending; 99,000 credit cards were issued, up 10% YoY.
New initiatives generated H1 revenue of INR 1,104 Cr and adjusted EBITDA of -INR 78 Cr; Q2 adjusted EBITDA was -INR 42 Cr, with PB Pay and Pensionbazaar weighing on margins.
UAE premium grew 36% YoY; the non-motor portfolio was 50% and operations were profitable.
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Latest events from PB Fintech
- Revenue and marketplace volumes surged, but share-based costs drove a much larger FY22 loss.POLICYBZR
Q4 21/22 - Revenue surged as losses narrowed and core marketplaces reached adjusted EBITDA strength.POLICYBZRQ4 22/23
- Revenue up 40% YoY, PAT up 92% YoY, with strong insurance and lending growth.POLICYBZRQ1 26/27
- AI-driven growth, high persistency, and market leadership define the FY26–30 strategy.POLICYBZRInvestor Day 25/26
- FY26 insurance premium up 42% YoY, PAT up 115% YoY, and strong digital expansion.POLICYBZRQ4 25/26
- Q3 FY26 insurance premium up 45% YoY, PAT up 165% to ₹189 Cr, strong revenue and segment growth.POLICYBZRQ3 25/26
- Health and life insurance new premium grew 78% YoY, boosting revenue and profit despite regulatory headwinds.POLICYBZRQ1 2025
- Insurance premium and revenue surged, PAT turned positive, and cash reserves remained robust.POLICYBZRQ2 2025
- Revenue and PAT surged, with strong health and UAE growth, margin gains, and stable outlook.POLICYBZRQ4 24/25
Next PB Fintech earnings date
Q3 26/2714 Feb, 2027
PB Fintech
Next PB Fintech earnings date
Q3 26/2714 Feb, 2027
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Frequently asked questions
PB Fintech Limited, commonly known by its flagship brand PolicyBazaar, operates as a prominent fintech company in India. The company provides an online platform for comparing, purchasing, and managing insurance and lending products. Through its main platforms, PolicyBazaar and PaisaBazaar, PB Fintech offers a wide range of services, including health, term life, motor, and travel insurance, as well as various loan products and credit score management services. PB Fintech Limited is headquartered in Gurugram, Haryana, India, and its shares are listed on the NSE.