PB Fintech's Q1 FY 2025-26 Quarter Results

Result Summary

• PB Fintech Ltd reported a 21.8% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 30.2%.
• Its expenses for the quarter were up by 21.7% QoQ and 25.4% YoY.
• The net profit increased 40.6% QoQ and increased 41.1% YoY.
• The earnings per share (EPS) of PB Fintech Ltd stood at 1.8 during Q1 FY 2025-26.

Financial Statments for Q1 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

PB Fintech Ltd is a prominent player in the financial services industry, primarily known for its role in the digitalization of financial product distribution. The company operates platforms that simplify the process of purchasing various financial products such as insurance and loans. Through its flagship brands, Policybazaar and Paisabazaar, PB Fintech has established itself as a leader in the online insurance and loan marketplace sectors. As of the latest developments, the company continues to expand its offerings, leveraging technology to enhance customer experience and streamline the process of comparing and purchasing financial products. Recent advancements and strategic partnerships reflect PB Fintech's commitment to maintaining its competitive edge and adapting to the evolving financial landscape.

Revenue

In the first quarter of fiscal year 2026 (Q1FY26), PB Fintech Ltd reported a total income of ₹1446.74 crores, marking a 21.8% increase from the previous quarter (Q4FY25) where the total income was ₹1187.88 crores. This also represents a significant year-over-year growth of 30.2% compared to Q1FY25, which recorded a total income of ₹1110.75 crores. This upward trend in revenue highlights the company's ability to generate increased income over both quarterly and annual periods. The growth could be attributed to various factors, including an expanded customer base, improved service offerings, or enhanced market penetration strategies.

Profitability

PB Fintech Ltd's profitability has shown notable improvement in Q1FY26. The profit before tax for this quarter was ₹90.89 crores, which is a 23.9% increase from the previous quarter's profit before tax of ₹73.36 crores. When compared to the same quarter in the previous year (Q1FY25), which had a profit before tax of ₹70.67 crores, there is a 28.6% increase. Profit after tax also saw a significant rise, reaching ₹84.65 crores in Q1FY26, up by 40.6% quarter-over-quarter from ₹60.19 crores in Q4FY25, and 41.1% year-over-year from ₹59.98 crores in Q1FY25. The tax expenditure decreased by 39.4% QoQ and 28.9% YoY, which contributed to the enhanced post-tax profitability. Earnings per share (EPS) also improved, growing by 38.5% both QoQ and YoY, from ₹1.30 to ₹1.80.

Operating Metrics

The operating expenses for PB Fintech Ltd in Q1FY26 amounted to ₹1355.85 crores, illustrating a 21.7% increase from the previous quarter's expenses of ₹1114.52 crores. Year-over-year, there was a 25.4% increase from ₹1081.13 crores in Q1FY25. This level of expenditure is consistent with the company's revenue growth, suggesting that the company is investing in its operations to support its increased income generation. Despite the rise in expenses, the overall financial metrics indicate a healthy balance between revenue growth and cost management, as evidenced by the improved profitability figures. The company's strategic allocation of resources towards operational expenses appears to align with its revenue expansion efforts.