PB Fintech's Q3 FY 2025-26 Quarterly Results
- 03 Feb 2026
Result Summary
- PB Fintech Ltd reported a 9.3% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 33.3%.
- Its expenses for the quarter were up by 6.2% QoQ and 26.7% YoY.
- The net profit increased 40.4% QoQ and increased 164.8% YoY.
- The earnings per share (EPS) of PB Fintech Ltd stood at 4.08 during Q3 FY 2025-26.
Financial Statments for Q3 FY 2025-26
Total Income | 1856.00 | 1698.06 | 1392.00 | 9.3% | 33.3% |
Total Expenses | 1655.44 | 1558.82 | 1306.82 | 6.2% | 26.7% |
Profit Before Tax | 200.56 | 139.24 | 85.18 | 44.0% | 135.5% |
Tax | 11.64 | 7.17 | 13.58 | 62.3% | -14.3% |
Profit After Tax | 189.43 | 134.89 | 71.54 | 40.4% | 164.8% |
Earnings Per Share | 4.08 | 2.89 | 1.55 | 41.2% | 163.2% |
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 company primarily engaged in the digital financial services sector. It is best known for its platforms, Policybazaar and Paisabazaar, which serve as marketplaces for insurance and lending products, respectively. Policybazaar is a leading online insurance aggregator, allowing consumers to compare policies and purchase insurance online, while Paisabazaar is a platform for loan and credit card comparisons. The company operates in a competitive industry characterized by rapid technological advancements and regulatory changes. As of the latest data, there are no specific major developments noted for PB Fintech Ltd, but the company is typically focused on expanding its digital services and improving customer experience.
Revenue
In the third quarter of the fiscal year 2026 (Q3FY26), PB Fintech Ltd reported a total income of ₹1856.00 crores, which marks a 9.3% increase from the previous quarter (Q2FY26) where the total income was ₹1698.06 crores. Compared to the same quarter in the previous fiscal year (Q3FY25), where the income was ₹1392.00 crores, there is a significant year-over-year growth of 33.3%. This increase in revenue reflects the company's robust financial performance and its ability to generate higher income within a year. The revenue figures indicate a positive trend in the company's ability to expand its market reach and possibly its customer base.
Profitability
PB Fintech Ltd's profitability metrics for Q3FY26 show substantial growth. The company achieved a profit before tax of ₹200.56 crores, which signifies a 44.0% increase from the previous quarter's profit before tax of ₹139.24 crores. Year-over-year, the profit before tax soared by 135.5% from ₹85.18 crores in Q3FY25. After accounting for taxes amounting to ₹11.64 crores in Q3FY26, which saw a quarter-over-quarter increase of 62.3% but a year-over-year decrease of 14.3%, the profit after tax for Q3FY26 stood at ₹189.43 crores. This is a 40.4% increase from ₹134.89 crores in the previous quarter and a remarkable 164.8% increase from ₹71.54 crores in Q3FY25. Earnings per share (EPS) for the quarter were ₹4.08, reflecting a 41.2% quarter-over-quarter increase and a 163.2% year-over-year increase.
Operating Metrics
The company's total expenses for Q3FY26 were ₹1655.44 crores, reflecting a 6.2% increase from the previous quarter's expenses of ₹1558.82 crores. Year-over-year, expenses increased by 26.7% from ₹1306.82 crores in Q3FY25. Despite the rise in expenses, the percentage increase in total income and profit margins indicates efficient operational management. The company's ability to manage its costs while increasing revenue contributes positively to its overall financial health. The notable growth in the profit before tax and profit after tax metrics suggests that the company is effectively converting its operational efficiencies into profitability.