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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.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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