)
Visual
test
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?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- OSUN
Floating solar project certified, NOK 9.9M raised, Q4 net loss NOK 4.4M, 36 MWp pipeline. - 543220
Strong revenue and profit growth in Q3 FY26, driven by expansion and digital gains. - AKTIA
Strong Q4, life insurance up 24%, EUR 70.1M impairment, CET1 ratio at 12.6% for year-end. - RÖKO
Net sales and profit rose, margins improved, and three acquisitions and an IPO were completed. - PNDORA
2025 organic growth was 6% with 23.9% EBIT margin; 2026 outlook remains cautious. - MARKSANS
Quarterly revenue and profit rose year-over-year, supported by global expansion and strong cash flow. - NEWA
Record revenue above SEK 10 billion, solid growth, and a SEK 3.00 dividend proposed. - 513023
Quarterly profit surged on strong mining and energy results, despite ongoing receivable risks. - GODREJPROP
Record Q3 FY26 bookings, strong profit growth, and robust margins with one-time labour cost impact. - 507717
Quarterly net profit reached ₹3,999.54 lakhs, with key board and committee changes approved.
Next PB Fintech earnings date
Q4 202630 May, 2026
PB Fintech
Next PB Fintech earnings date
Q4 202630 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage