India · Delayed Price · Currency is INR PB Fintech Earnings Call Transcripts
Fiscal Year 2026
-
Insurance premium grew 42% year-on-year to INR 29,934 crore, with strong gains in health and term segments. Operating revenue reached INR 6,794 crore, and PAT was INR 670 crore. Paisabazaar turned EBITDA positive, and new initiatives plus international business contributed to robust growth.
-
Premium grew 45% year-on-year, with health up 79% and PAT up 165% to INR 189 crores. Adjusted EBITDA margin rose to 11%, and international expansion is planned pending board approval. New initiatives and PB Health are progressing, with strong growth in core and UAE segments.
-
Premiums and revenue saw robust double-digit growth, with PAT up 165% year-on-year and strong expansion in health, protection, and POSP segments. New initiatives remain at early stages, while management targets 3% PAT-to-premium by FY30 and expects continued 30%+ growth.
-
Insurance premium grew 36% year-over-year, led by 65% Health growth and strong online performance. PAT margin improved to 6%, with management prioritizing growth over short-term profits and expanding in Health, term, and savings segments.
Fiscal Year 2025
-
Insurance premium and operating revenue saw robust double-digit growth, with health and UAE segments outperforming and persistency at all-time highs. Margins expanded, PAT rose sharply, and the company maintains a strong cash position, while savings remain challenged.
-
Health and life insurance premiums grew 47% year-over-year, with total insurance premium up 44% and revenue up 48%. Secured lending expanded rapidly, offsetting a 20% decline in unsecured credit, while new initiatives and POSP showed strong growth and improving margins.
-
Health and life insurance premiums surged 69% year-over-year, with Q2 revenue up 44% and PAT improving by INR 72 crores. New initiatives and UAE business posted strong growth, while medium-term guidance remains at 30% fresh business growth.
-
Health and life insurance new premium surged 78% year-over-year, driving total revenue up 52% and PAT to INR 60 crore, despite a one-off GST expense and continued investment in growth. New initiatives and UAE business posted strong gains, while credit-linked revenue declined.