PB Fintech Ltd, popularly known as Policy Bazar is India’s largest online platform for insurance and lending products through its flagship brands – Policybazaar and Paisabazaar platform through which they provide convenient access to insurance, credit and other financial products. Presenting below are its Q1 FY26 earnings results.
Q1 FY26 Earnings Results
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Revenue from Operations: ₹1,348.00 crores, up 33% YoY (Q1 FY25: ₹1,010 crores) but down 10.6% QoQ (Q4 FY25: ₹1,508 crores).
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Total Income: ₹1,447.00 crores (includes ₹99 crore interest, financial income), up 30.2% YoY (Q1 FY25: ₹1,110.75 crores).
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Total Expenses: ₹1,356.00 crores, up 25% YoY (Q1 FY25: ₹1,081 crores), down 5.6% QoQ (Q4 FY25: ₹1,437 crores).
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Employee Benefits Cost: ₹560 crores, up 23% YoY.
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Profit Before Tax (PBT): ₹90.89 crores, up 28.6% YoY (Q1 FY25: ₹70.67 crores), up 23.9% QoQ (Q4 FY25: ₹73.36 crores).
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Profit After Tax (PAT): ₹85.00 crores, up 41–42% YoY (Q1 FY25: ₹60 crores), down 51% QoQ (Q4 FY25: ₹171 crores).
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EBITDA: ₹133.14 crores.
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EPS: ₹1.84, up 39.3% YoY (Q1 FY25: ₹1.30).
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Online Insurance Revenue: ₹732 crores, up 37% YoY.
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Insurance Premium: ₹6,616 crores, up 36% YoY; new health insurance premiums up 65% YoY, UAE insurance premium up 68% YoY.
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PAT Margin: 6%, up from 2% last year.
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Renewal Revenue (12-month rolling): ₹725 crores, up 43% YoY.
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Market Capitalization: ₹83,033 crores ($9.5 billion).
Management Commentary & Strategic Decisions
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Management highlighted outstanding growth in core online insurance revenue, new client acquisitions, strong premium growth, and renewal revenue as key levers.
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PB Fintech invested ₹539.4 crores in PB Healthcare Services (stake now 40.32%) and received RBI authorization for PB Pay as an Online Payment Aggregator.
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Company focus is on tech-driven innovation, enhancing customer service, and scaling international business, particularly in UAE insurance.
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Despite a regulatory IRDAI penalty (₹5 crore), management maintained an upbeat outlook on top-line momentum and market share gains.
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Leadership expects continued robust demand for digital insurance products and strong operating leverage, with sector-wide tailwinds.
Q4 FY25 Earnings Results
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Revenue from Operations: ₹1,508 crores, up 38% YoY.
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Total Income: ₹1,187.88 crores.
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Total Expenses: ₹1,114.52 crores.
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Profit Before Tax (PBT): ₹73.36 crores.
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Profit After Tax (PAT): ₹171.00 crores, up 139% QoQ and 184–185% YoY.
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EBITDA: ₹113.00 crores.
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EPS: ₹3.72.
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Insurance Premium: ₹7,030 crores, up 37% YoY.
To view the company’s previous earnings and latest concall transcripts, click here to visit the Alphastreet India news channel.
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