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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.
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Next PB Fintech earnings date
Q2 202629 Oct, 2025
Next PB Fintech earnings date
Q2 202629 Oct, 2025
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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.
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