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PB Fintech
PB Fintech (POLICYBZR) investor relations material
PB Fintech Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary2 Feb, 2026
Executive summary
Total insurance premium grew 45% year-over-year to ₹7,965 Cr in Q3 FY26, with new protection premium up 68% and health insurance up 79%.
PAT increased 165% year-over-year to ₹189 crore, with operating revenue up 37% to ₹1,771 Cr.
Core online insurance premium rose 44% year-over-year; lending disbursals up 84% YoY to ₹9,986 Cr.
PB Partners and UAE operations maintained strong growth, with UAE insurance premium up 62% YoY and profitable for four consecutive quarters.
Board approved unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025.
Financial highlights
Insurance premium (net of GST) reached ₹7,965 Cr, up 45% YoY; Q3 FY26 revenue: ₹1,771 Cr, up 37% YoY; adjusted EBITDA: ₹199 Cr, up 154% YoY.
PAT for Q3 FY26: ₹189 Cr (2.38% of total premium), up from ₹71 Cr in Q3 FY25.
9M FY26 revenue: ₹4,733 Cr, up 36% YoY; adjusted EBITDA: ₹445 Cr, up 142% YoY.
Earnings per share (basic) for Q3 FY26 was ₹4.11, compared to ₹1.57 in Q3 FY25 (restated).
Credit revenue for the quarter was ₹115 Cr, with disbursals at ₹2,470 Cr.
Outlook and guidance
New initiatives are expected to be break-even or profitable going forward.
International expansion is a strategic focus, with potential acquisitions under consideration pending board and shareholder approval.
Continued focus on scaling both insurance and credit platforms, with emphasis on technology, customer experience, and operational efficiency.
Expansion in Tier 2 & 3 cities and new product launches expected to drive future growth.
Management expects no material impact from ongoing regulatory and tax proceedings, and continues to monitor regulatory changes.
Basis for Paisabazaar's tax appeal confidence
Impact of PB Healthcare's associate reclassification
Future regulatory compliance risk mitigation plans
International expansion criteria and focus?
MGA framework impact on distribution?
What drives accelerated health insurance growth?
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Next PB Fintech earnings date
Q4 202630 May, 2026
PB Fintech
Next PB Fintech earnings date
Q4 202630 May, 2026
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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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