Earnings Review
PB Fintech net profit more than doubles on year in Q3
This story was originally published at 20:53 IST on 2 February 2026
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--PB Fintech Oct-Dec consol PAT INR 1.89 bln
--Analysts saw PB Fintech Oct-Dec consol PAT at INR 1.75 bln
--PB Fintech Oct-Dec consol revenue INR 17.71 bln
--Analysts saw PB Fintech Oct-Dec consol revenue at INR 17.40 bln
--PB Fintech Oct-Dec consol PAT INR 1.89 bln vs INR 715.0 mln year ago
--PB Fintech Oct-Dec consol revenue INR 17.71 bln vs INR 12.92 bln year ago
--PB Fintech Apr-Dec consol PAT INR 4.09 bln vs INR 1.82 bln year ago
--PB Fintech Apr-Dec consol revenue INR 47.33 bln vs INR 34.69 bln year ago
--PB Fintech Oct-Dec lending disbursal INR 99.86 bln, up 84% on yr
--PB Fintech Oct-Dec insurance premium INR 79.65 bln, up 45% on yr
By Suryash Kumar and Shweta
MUMBAI – PB Fintech Ltd. reported a more than twofold increase in consolidated net profit for the December quarter from a year ago due to healthy growth in revenue from operations. The financial technology company owns the insurance aggregator platform Policybazaar and provides retail loans through Paisabazaar.
The company's consolidated net profit for the quarter grew nearly 165% to INR 1.89 billion from INR 715 million. Its consolidated revenue rose over 37% to INR 17.71 billion from INR 12.92 billion. Analysts had estimated the company's consolidated net profit at INR 1.75 billion and revenue at INR 17.40 billion.
The total income for the December quarter was INR 18.56 billion, up over 33% on year and 9% on quarter. Its total expenses increased almost 27% on year to INR 16.55 billion. The company's adjusted earnings before interest, tax, depreciation and amortisation rose 154% on year to INR 1.99 billion. The EBITDA margin rose to 11% from 6% a year ago.
The company's total insurance premium for the quarter was INR 79.65 billion, up 45% on year and 17% on quarter due to 68% growth in core online new protection – health and term insurance – business. Credit revenue for the quarter was INR 1.15 billion and disbursal INR 24.70 billion for the core online business. Its core insurance revenue rose 42% on year.
The fintech company's lending disbursal was INR 99.86 billion, up 84% on year, while its core online disbursal rose 8% sequentially.
The company reported core new insurance premium, net of savings business, rose 56% on year. The core new insurance premium, including savings, grew 36% on year for the quarter. Excluding the savings category, the core new insurance premium rose between 34% and 56% for the last 11 quarters.
For the nine month ended December, the company's consolidated net profit was INR 4.09 billion, up over 124% on year. Consolidated revenue for the period was INR 47.33 billion, up over 36% from INR 34.69 billion in Apr-Dec of financial year 2024-25 (Apr-Mar). Total income for the nine-month period was INR 50.01 billion, up over 32% on year.
The company announced its earnings after market hours on Monday. On the National Stock Exchange, shares of the company closed 3.45% lower at INR 1,563.30. End
Edited by Ashish Shirke
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