PB Fintech Ltd
PB Fintech Q3 FY26 earnings call: Revenue & Margins
Q3 FY26 earnings call: what management said on revenue, margins and capex.
- Revenue
- ₹1,771Cr
- +37.1% YoY
- Net profit
- ₹189Cr
- +162.5% YoY
- Margin
- 9%
- +6.9 pp YoY
Guidance rank: #4 of 9 in Financial Technology (Fintech)
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The short version
Term and health insurance currently make up around half the business, with term growing about 70%. Term and health insurance currently make up around half of the business, with health insurance growing about 70% YoY recently.
From PB Fintech Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Term and health insurance currently make up around half the business, with term growing about 70%.
- Growth in health insurance largely driven by an increase in the number of customers; ticket size growth is smaller.
- Long-term health insurance growth of around 30% is considered sufficient and sustainable; current high growth likely not consistent at present pace but could continue near this level.
- Growth fueled by fresh customers rather than policy renewals or portability.
- Sustained growth attributed to strong customer trust, better claims experience, and quality risk disclosure enabling appropriate pricing.
- Renewals growth in health is starting to accelerate following the strong new business growth.
2 more points from PB Fintech Ltd's call on revenue
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Profitability & Margins
See what PB Fintech Ltd said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- Management discussed potential acquisitions as part of future capital allocation strategy, seeking board and shareholder approval for a QIP (Qualified Institutional Placement) to fund these activities.
- Acquisitions would focus on strategically fitting large markets with stable players where Policybazaar's skills can add value, leveraging Indian expertise and local strengths.
- Investments will be EPS/PE accretive and value-driven, focusing on transforming acquired companies to be more competitive.
- Besides acquisitions, minor investments may be made in new initiatives like the Pension model once optimized.
- Capital allocation will also consider diversification both within India and internationally.
2 more points from PB Fintech Ltd's call on capex
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Top-ranked in Financial Technology (Fintech)
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
See what PB Fintech Ltd said on fundraising & capital structure — free account, 30 seconds.
Order Book & Pipeline
PB Fintech Ltd — Quarterly revenue & net profit
PB Fintech Ltd Q3 FY26 results — key figures
| ₹ Cr | Q3 FY26 | Q3 FY25 | YoY | Q2 FY26 | QoQ |
|---|---|---|---|---|---|
| Revenue | 1,771 | 1,292 | +37.1% | 1,614 | +9.7% |
| Operating profit (EBITDA) | 159 | 28 | +467.9% | 98 | +62.2% |
| Operating margin | 9% | 2.1% | +6.9 pp | 6% | +3 pp |
| Profit before tax | 201 | 85 | +136.5% | 142 | +41.5% |
| Net profit (PAT) | 189 | 72 | +162.5% | 135 | +40% |
| EPS (₹) | 4.09 | 1.56 | +162.2% | 2.94 | +39.1% |
Source: reported quarterly figures (Screener), ₹ crore.
Reported quarterly figures (₹ Cr). Latest (Q2 FY27): revenue ₹2.2K Cr, net profit ₹192 Cr. Revenue and profit are scaled separately — hover a quarter for exact figures.
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What PB Fintech's management said in earlier quarters
Others in Financial Technology (Fintech) this season
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Q3 FY26 showed 10.1% Y-o-Y revenue growth and 19.3% Y-o-Y PAT growth with a PAT margin of 17.15% . Key concall takeaways from Seshaasai Technologies's Q3 FY26…
- AvenuesAI (Q3 FY26)
EBITDA showed a 25% year-over-year increase, with improved operating leverage as volumes scale. Key concall takeaways from AvenuesAI Ltd's Q3 FY26 earnings…
- Pine Labs Ltd (Q3 FY26)
Issuance business grew 42%, digital payments business grew 16%, contributing to overall 24% revenue growth year-over-year. Key concall takeaways from Pine Labs…
- One 97 (Q3 FY26)
Device growth in merchant business remains robust with approximately 27 lakh new devices added annually, and potential penetration rising up to 20% (Page 20)…
Potential multibaggers · Q2 FY27
Potential multibaggers in Financial Technology (Fintech)
on management's own guidance
- Strong growth2
- Strong growth1
- One 97Good growth3
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
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Frequently Asked Questions
What were PB Fintech Ltd Q3 FY26 results?
Term and health insurance currently make up around half the business, with term growing about 70%. Term and health insurance currently make up around half of the business, with health insurance growing about 70% YoY recently.
What is PB Fintech Ltd share price analysis?
PB Fintech Ltd currently shows a neutral. The stock trades at a P/E of 107.7 with a market cap of ₹80,555 Cr. Investors should review the full earnings analysis for detailed insights.
Is PB Fintech Ltd planning capital expenditure?
Management discussed potential acquisitions as part of future capital allocation strategy, seeking board and shareholder approval for a QIP (Qualified Institutional Placement) to fund these activities.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.