PB Fintech Ltd's Q4FY25 Quarter Results
- 16 May 2025
Result Summary
- PB Fintech Ltd reported a 14.7% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 24.9%.
- Its expenses for the quarter were down by 14.7% QoQ and up 16.0% YoY.
- The net profit decreased 15.9% QoQ and decreased 744.4% YoY.
- The earnings per share (EPS) of PB Fintech Ltd stood at 1.3 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 1187.88 | 1392.00 | 951.34 | -14.7% | 24.9% |
Total Expenses | 1114.52 | 1306.82 | 960.81 | -14.7% | 16.0% |
Profit Before Tax | 73.36 | 85.18 | -9.47 | -13.9% | -874.7% |
Tax | 12.70 | 13.58 | -0.03 | -6.5% | -42433.3% |
Profit After Tax | 60.19 | 71.54 | -9.34 | -15.9% | -744.4% |
Earnings Per Share | 1.30 | 1.60 | -0.20 | -18.8% | -750.0% |
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 technology sector, primarily known for its digital platforms that offer a variety of financial services. The company is the parent of the popular Indian online insurance aggregator and financial services company, Policybazaar, and the credit comparison website, Paisabazaar. These platforms facilitate the purchase and comparison of insurance policies, loans, and credit cards, catering to a broad customer base across India. PB Fintech Ltd has positioned itself as a leader in the fintech industry by leveraging technology to simplify financial product shopping and comparison. As of the latest updates, there are no major developments publicly available beyond this scope.
Revenue
In Q4FY25, PB Fintech Ltd reported a total income of ₹1,187.88 crores, reflecting a decrease of 14.7% from the previous quarter (Q3FY25), where the total income was ₹1,392.00 crores. However, when compared to the same quarter in the previous year (Q4FY24), which recorded a total income of ₹951.34 crores, there is a notable year-over-year increase of 24.9%. This growth in revenue on a yearly basis indicates an expansion in the company’s business activities or market reach. Despite the quarterly decline, the annual growth rate suggests an overall upward trend in revenue generation for the financial year.
Profitability
The company’s profitability metrics for Q4FY25 show a profit before tax (PBT) of ₹73.36 crores, marking a 13.9% decrease from the previous quarter’s PBT of ₹85.18 crores. Comparatively, the metrics for Q4FY24 showed a loss before tax of ₹9.47 crores, resulting in a substantial year-over-year percentage change of -874.7%. The tax expense for the current quarter is ₹12.70 crores, a slight decline of 6.5% from Q3FY25, while there was a negative tax of ₹-0.03 crores in Q4FY24, leading to a dramatic year-over-year change of -42433.3%. Profit after tax (PAT) stands at ₹60.19 crores for Q4FY25, dropping by 15.9% from Q3FY25’s figure of ₹71.54 crores, but improving from a loss of ₹9.34 crores in Q4FY24, marking a significant year-over-year change of -744.4%.
Operating Metrics
The earnings per share (EPS) for Q4FY25 is recorded at ₹1.30, which is a decrease of 18.8% from the previous quarter’s EPS of ₹1.60. In the same quarter of the previous year, the EPS was a negative ₹-0.20, indicating a stark year-over-year percentage change of -750.0%. These figures suggest fluctuations in shareholder earnings over the quarters. Total expenses for Q4FY25 were ₹1,114.52 crores, down 14.7% from ₹1,306.82 crores in Q3FY25, but up 16.0% from ₹960.81 crores in Q4FY24. This data highlights the company’s cost management and expenditure trends over time, with a focus on both operational efficiency and scaling activities.
