Q4 2025 PB Fintech Ltd Earnings Call Transcript
Key Points
- PB Fintech Ltd (BOM:543390) reported a 37% increase in total insurance premium for the quarter, reaching INR7,030 crore.
- The company's consolidated operating revenue grew by 38% to INR1,508 crore for the quarter.
- PB Fintech Ltd's UAE insurance premium grew by 76% year-on-year, and the business has turned profitable.
- The company's customer satisfaction score (CSAT) is consistently above 90%, indicating strong customer service.
- PB Partners, the agent platform, continues to lead the market in both scale and efficiency, showing a positive contribution margin improvement from minus 10% to minus 6% within the year.
- The core credit revenue for PB Fintech Ltd decreased by 21% year-on-year.
- Savings have come in below expectations, affecting the overall growth rate.
- The company experienced a negative operating cash flow due to increased receivables, partly driven by the accounting of multi-year policies.
- The savings business is currently challenged, with growth struggling in recent quarters.
- There is pressure on the renewal commissions in the health segment, which could impact future profitability.
Good morning. A very warm welcome to PB Fintech Limited Earnings Call Quarter four Financial Year 2024, 2025. Today, we have with us Mr. Yashish Dahiya, Chairman and Group CEO, PB Fintech; Mr. Alok Bansal, Executive Vice Chairman, PB Fintech; Mr. Sarbvir Singh, joined Group CEO, PB Fintech; Mr. Santosh Agarwal, Chief Executive Officer, -- ; Mr. Mandeep Meta, Group CFO, PB Fintech and --. I hand over to Mr. Yashish for his introductory address.
Thank you, -- Good morning, all. So just sharing our update for the last quarter and the year. So our total insurance premium for the quarter was at INR7,030 crore, up 37%, led by growth in new health. With this, the total insurance premium for the year, was INR20,486 crore with a growth of 45% in the new core online insurance premium and 48% in the new health and life insurance premium.
I just wanted to make a little comment here. As I look at our insurance revenue over the last five years, in 2021, we were INR619 crore,
| Access to All Earning Calls and Stock Analysis | |
| 30-Year Financial on one screen | |
| All-in-one Stock Screener with unlimited filters | |
| Customizable Stock Dashboard | |
| Real Time Insider Trading Transactions | |
| 8,000+ Institutional investors’ 13F holdings | |
| Powerful Excel Add-in and Google sheets Add-on | |
| All data downloadable | |
| Quick customer support | |
| And much more... |
Trustpilot
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
