PB Fintech Limited has reported a strong financial performance for the full year FY26, with total insurance premium growing by 42% YoY to ₹29,934 crore. The company’s profit after tax (PAT) saw a significant increase of 115% YoY, reaching ₹670 crore, driven by robust growth in new protection premiums and improved operational efficiency. The company also announced a strategic investment of ₹5 crore into its subsidiary, PB Marketing and Consulting Private Limited.
Financial Performance Highlights
PB Fintech Limited demonstrated substantial growth across its key metrics for the financial year ended March 31, 2026. The company’s consolidated operating revenue rose by 37% YoY to ₹6,794 crore. Profitability also saw a marked improvement, with the PAT margin expanding from 6% in FY25 to 10% in FY26. This consistent growth trajectory since the company’s public listing in November 2021 is reflected in a revenue CAGR of 48% over the past four years.
Growth Drivers and Operational Scale
The company’s growth was primarily fueled by its core insurance business. Total insurance premium grew by 42% YoY, led by a 57% YoY increase in new protection premiums (Health and Term insurance). The company’s lending vertical also performed well, with total loan disbursals reaching ₹30,740 crore, representing a 50% YoY growth. Additionally, the core renewal and trail revenue on a 12-month rolling basis reached ₹935 crore, marking a 40% growth YoY, which remains a key driver for long-term profit.
Strategic Investments and New Initiatives
To support its business expansion, the Board has authorized an investment of up to ₹5 crore in its wholly owned subsidiary, PB Marketing and Consulting Private Limited. This capital infusion is intended to help the subsidiary meet net worth criteria required to secure a stockbroking license, further diversifying the company’s service offerings. Furthermore, the company’s New Initiatives, including PB Partners and its UAE business, continue to scale efficiently, with the UAE business achieving full-year profitability for the first time in FY26.
Technology and Claims Support
PB Fintech continues to leverage its AI Operating System to enhance customer experience and operational efficiency. The platform now supports over 145.7 million registered consumers and has successfully facilitated 245K+ health claims in FY26. With 90%+ customer satisfaction scores (CSAT), the company remains focused on simplifying the insurance and credit journey through technological innovation and on-ground support across more than 200 cities.
Source: BSE
