)
Visual24 Oct 2025
The rise of Alphabet
PB Fintech (POLICYBZR) investor relations material
PB Fintech Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary1 Aug, 2025
Executive summary
Revenue for Q1 FY26 grew 33% year-over-year to ₹1,348 Cr, with PAT up 347% to ₹85 Cr and PAT margin improving to 6%.
Total insurance premium reached ₹6,616 Cr, up 36% YoY, led by 65% growth in health insurance and 35% growth in core online insurance premium.
Core credit revenue declined 22% YoY, and core lending disbursal fell 33% YoY, indicating stress in this segment.
Renewal/trail revenue on a rolling twelve-month basis rose 43% YoY to ₹725 Cr.
Management prioritizes long-term growth, digital expansion, and scale over short-term profitability.
Financial highlights
Adjusted EBITDA rose 81% YoY to ₹89 Cr, with margin improving to 7%.
Contribution margin for the quarter was 28% for total business and 41% for core online business.
Core business (excluding savings) maintained ~40% growth for nine quarters, with 42% this quarter.
UAE business grew 68% YoY and has been profitable for two consecutive quarters.
Renewal revenue for insurance at an ARR of ₹673 Cr, up 47% YoY.
Outlook and guidance
Focus on scaling insurance and secured credit, with investments in technology and fulfillment.
Long-term target of ₹1 lakh crore premium by FY30 and adjusted EBITDA margin potential of ~5%.
Contribution margin for new initiatives expected to be around zero next year, with improvement over time.
Tax rate guidance remains at 8–10% for the next 18 months.
Credit business expected to resume healthy growth from Q3 as operations mature.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next PB Fintech earnings date
Q2 202629 Oct, 2025
Next PB Fintech earnings date
Q2 202629 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage