PB Fintech

PB Fintech (POLICYBZR) investor relations material

PB Fintech Q3 25/26 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.

Q3 25/26 earnings summary2 Feb, 2026

Executive summary

Total insurance premium grew 45% year-over-year to ₹7,965 crore in Q3 FY26, with new protection premium up 68% and health premium up 79%.
PAT increased 165% year-over-year to ₹189 crore, with operating revenue up 37% to ₹1,771 crore.
Core online insurance premium rose 44% year-over-year; lending disbursals up 84% YoY to ₹9,986 crore.
UAE insurance premiums grew 62% year-over-year, with the business profitable for four consecutive quarters.
Board approved unaudited standalone and consolidated financial results for Q3 and nine months ended December 31, 2025.

Financial highlights

Insurance premium (net of GST) reached ₹7,965 crore, up 45% year-over-year; Q3 FY26 revenue was ₹1,771 crore, up 37% YoY.
Adjusted EBITDA grew 154% YoY to ₹199 crore, with margin improving from 6% to 11%.
PAT for Q3 FY26 was ₹189 crore (2.38% of total premium), up from ₹71 crore in Q3 FY25.
Insurance renewal revenue ARR at ₹863 crore, up from ₹538 crore YoY, with 80%+ margins.
Earnings per share (basic) for Q3 FY26 was ₹4.11, compared to ₹1.57 in Q3 FY25 (restated).

Outlook and guidance

New initiatives expected to be break-even or profitable going forward.
Continued focus on scaling insurance and credit platforms, expanding in India and internationally, and investing in technology and customer experience.
Management expects no material impact from ongoing regulatory and tax proceedings.

Basis for Paisabazaar's tax appeal confidence

Impact of PB Healthcare's associate reclassification

Future regulatory compliance risk mitigation plans

International expansion criteria and focus?

MGA framework impact on distribution?

What drives accelerated health insurance growth?

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Q4 202630 May, 2026

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