ALFA Finder| Margins | General insurance revenue per policy expected to drop significantly. |
|---|---|
| Demand visibility | Uncertain; testing price elasticity to offset revenue compression with volumes. |
| Management confidence | Low due to draft regulations; focusing on long-term growth and rationalization. |
Growth
Revenue impact is centered on general insurance; life insurance NPV is expected to remain stable.
Outlook
Targeting FY29 for recovery to current levels; FY28 described as a year of challenges and discovery.
Risks
Draft regulations could slash general insurance revenue by 60%. Commission caps may make certain agent channels unviable.
Last quarter's promises, checked
Delivered
- Targeted PAT margin 9% -> delivered 9% (= BEAT)
- Expected Paisabazaar break-even in Q1 -> delivered broke even (= BEAT)
- Guided 30% long-term growth -> delivered 40% revenue growth (= BEAT)
Partly delivered
- Targeted Paisabazaar FY EBITDA ~100 Cr -> current estimate revised to ~50 Cr (= PARTIAL)
Earnings Call Transcript filed with NSE, NSE: POLICYBZR. Summary written with AI assistance from the document.
PB Fintech Ltd: key numbers
- Share price
- ₹976.00
- Market cap
- ₹45,400 Cr
- Revenue (annual)
- ₹6,794 Cr
- Net profit (annual)
- ₹669.9 Cr
- P/E (TTM)
- 56.3×Sector 23.6×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 27.12%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from PB Fintech Ltd
All →PB Fintech Employee Stock Options
PB Fintech allotted 24,06,644 equity shares to employees under ESOP 2021 on 7 November 2026. Issued capital rises to Rs 93.03 Crore; shares total 46.52 crore.
PB Fintech Earnings Call Transcript: Key Takeaways
Management remains defiant despite draft IRDAI regulations potentially cutting distribution payouts, pivoting to 'pay for outcomes' and non-insurance revenue to sustain 30%+ core growth.
PB Fintech Financial Results
PB Fintech's board approved unaudited Q2 and H1 FY27 results on 30 October 2026, with PAT up 43% YoY to ₹192 Cr. The filing also encloses an earnings release and press release on insurance premium growth.
PB Fintech Capital Structure Change
HDFC Mutual Fund schemes raised their PB Fintech stake by 2.02% to 7.03% via open-market purchases. The acquisition was dated 28 October 2026.
PB Fintech Board Meeting Date
PB Fintech will hold a board meeting on 30 October 2026 to consider unaudited standalone and consolidated results for the quarter and half year ended 30 September 2026. The trading window stays closed until 1 November 2026.
PB Fintech Other Announcement
The company filed its quarterly shareholding pattern for the period ended September 30, 2026, in compliance with SEBI regulations.