Q1 2026 PB Fintech Ltd Earnings Call Transcript
Key Points
- PB Fintech Ltd (BOM:543390) reported a 36% year-on-year increase in total insurance premium, reaching INR6,600 crore, driven by a 65% growth in the health segment.
- The company's consolidated operating revenue grew by 33% to INR1,348 crore, with core insurance revenue up 37% year-on-year.
- PB Fintech Ltd's renewal and trail revenue increased by 43% on a 12-month rolling basis, indicating strong customer retention and recurring income.
- The UAE business and health segment have been profitable for the last two quarters, showing consistent performance with a 68% year-on-year growth.
- The company has expanded its presence to 19,000 PIN codes, covering 99% of the PIN codes in India, enhancing its market reach and accessibility.
- The core credit revenue declined by 22% year-on-year, indicating challenges in the credit segment.
- The company's focus on growth over profitability may lead to short-term financial pressures, as indicated by the management's strategy to prioritize growth investments.
- The competitive intensity in the new initiative space is increasing, which could impact market share and profitability.
- The savings business has shown inconsistent growth, with a current decline of 5%, highlighting challenges in this segment.
- The adjusted EBITDA margins for new initiatives are still negative, although improving, indicating ongoing financial challenges in these areas.
Hello, good morning, and warm welcome to PB Fintech Limited earnings call for quarter-one financial year 2025-2026 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, Joint Group CEO, PB Fintech; Mr. Santosh Agarwal, CEO, Paisabazaar; Mr. Mandeep Mehta, Group CFO, PB Fintech; and I'm Rasleen. I request Yashish, for his introductory note.
Thank you very much, Rasleen. Good morning to all and different good afternoon or good evening from wherever you're joining. Thank you very much for joining. I just wanted to start today by, first of all, acknowledging and thanking our team not just for this quarter but for the continued years and years, very good work.
And what I mean by very good work is, number one, staying focused on what is right for the consumer, putting that center of
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