PB Fintech Limited has informed the Exchange regarding Outcome of Board Meeting held on July 31, 2025.
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On the reaction day the stock moved 0.3 pts less than Nifty Midcap 150 and 2.2 pts less than its Financial Technology (Fintech) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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PB Fintech reported a strong Q1 FY26 with consolidated operating revenue of ₹1,348 Cr, up 33% year-on-year. Profit after tax surged 347% to ₹85 Cr (from ₹19 Cr ex-exceptional in Q1 FY25), with PAT margin improving to 6%. Core online insurance revenue grew 37% to ₹732 Cr, while new health insurance premium jumped 65%. Renewal/trail revenue on a rolling 12-month basis grew 43% to ₹725 Cr. Total insurance premium reached ₹6,616 Cr (up 36%), though core credit revenue declined 22%. Adjusted EBITDA rose 81% to ₹89 Cr. Separately, the board approved unsecured loans of ₹300 Cr to wholly-owned subsidiary Policybazaar Insurance Brokers and ₹100 Cr to Paisabazaar Marketing and Consulting, both tied to IPO-related purposes. It also appointed M/s Dhananjay Shukla & Associates as Secretarial Auditors for five years, subject to shareholder approval.
The sharp profit growth and improving margins signal that PB Fintech is reaching scale profitability, which is positive for shareholders. However, the loans to subsidiaries (related-party transactions worth ₹400 Cr combined) and the softer credit business are points to watch.