POLICYBZR
1 call
Concalls & earnings callsPB Fintech Limited
Every summarised call, newest first. Latest is Q1 FY27, held 24 Sept 2026.
Latest quarter
Q1 FY27 snapshot
Open full brief →Management said a draft insurance distribution proposal leaves life NPV broadly unchanged but cuts general insurance revenue to one-third to 40% of current levels, forcing cost recalibration and exploration of service, MGA and manufacturing options.
| Metric | This quarter | Change | Five-quarter trend |
|---|---|---|---|
| General insurance revenue under proposal | one-third to 40% of what we have today | — | |
| Life insurance net present value under proposal | similar to what we have today | — | |
| Health combined operating ratio | 93% | — |
Latest guidance
- No short-term impact on FY27 as implementation in the paper is stated for 1st of April only
- Endeavour to get back to similar situation by FY29 with FY28 expected to be a year of challenges and discovery
- No mass layoffs or knee-jerk decisions; hiring may slow while focusing on vintage productivity and cost calibration
Said on the Q1 FY27 call.
Filed results
Reported quarterly history
From filed quarterly results. YoY and QoQ compare each metric on the same accounting basis.
| Quarter | Revenue | Net profit (PAT) | Basic EPS |
|---|---|---|---|
| Q3 FY25 | ₹1,291.62 Cr+48.3% YoY+10.7% QoQ | ₹71.54 Cr+92.2% YoY+40.3% QoQ | ₹1.57+84.7% YoY+40.2% QoQ |
| Q2 FY25 | ₹1,167.23 Cr+43.8% YoY+15.5% QoQ | ₹50.98 CrTurned profitable YoY-15% QoQ | ₹1.12Turned positive YoY-16.4% QoQ |
| Q1 FY25 | ₹1,010.49 Cr+51.8% YoY-7.3% QoQ | ₹59.98 CrTurned profitable YoY-0.3% QoQ | ₹1.34Turned positive YoY-0.7% QoQ |
| Q4 FY24 | ₹1,089.57 Cr+25.4% YoY+25.1% QoQ | ₹60.19 CrTurned profitable YoY+61.7% QoQ | ₹1.35Turned positive YoY+58.8% QoQ |
| Q3 FY24 | ₹870.89 Cr+42.7% YoY+7.3% QoQ | ₹37.23 CrTurned profitable YoYTurned profitable QoQ | ₹0.85Turned positive YoYTurned positive QoQ |
Call history
- Q1 FY27Cautious tone
Management said a draft insurance distribution proposal leaves life NPV broadly unchanged but cuts general insurance revenue to one-third to 40% of current levels, forcing cost recalibration and exploration of service, MGA and manufacturing options.
- General insurance revenue under proposal
- one-third to 40% of what we have today
- Life insurance net present value under proposal
- similar to what we have today