પીબી ફિનટેક શેર કિંમત

મજબૂત પ્રીમિયમ વૃદ્ધિ અને માર્જિન વિસ્તરણ સાથે મજબૂત Q4FY26 પરિણામો હોવા છતાં પીબી ફિનટેક શેર 5% થી વધુ ઘટી ગયા છે. વિશ્લેષકો પૉલિસીબજાર અને પૈસાબજારની લાંબા ગાળાની વૃદ્ધિની ક્ષમતા પર સકારાત્મક રહે છે.

• બિઝનેસ સ્ટાન્ડર્ડ
• 3 અઠવાડિયા પહેલાં

Internet Software & Services company PB Fintech announced Q4FY26 & FY26 results FY26 Consolidated Financial Highlights:: Total Revenue: Consolidated Operating Revenue grew by 37% YoY to Rs 6,794 crore in FY26, up from Rs 4,977 crore in FY25. Total Income: Consolidated Total Income reached Rs 7,16,645 lakh in FY26 compared to Rs 5,38,502 lakh in FY25. Profit After Tax (PAT): Consolidated PAT for FY26 grew by 115% YoY to Rs 670 crore (Rs 67,013 lakh) from Rs 311 crore (Rs 35,207 lakh) in FY25 (excluding exceptional items). Profit Margin: PAT margin improved significantly from 6% in FY25 to 10% in FY26. Adjusted EBITDA: Full year Adjusted EBITDA improved by 118% YoY to Rs 725 crore from Rs 332 crore in FY25. Earnings Per Share (EPS): Basic EPS for the year stood at Rs 14.58 compared to Rs 7.75 in FY25, marking a growth of 88%. Q4FY26 Consolidated Financial Highlights:: Operating Revenue: Stood at Rs 2,061 crore (Rs 2,06,133 lakh) in Q4FY26, representing a YoY growth of 37% from Rs 1,508 crore (Rs 1,50,787 lakh) and a QoQ growth of 16% from Rs 1,771 crore (Rs 1,77,115 lakh). Total Income: For Q4FY26, total income was Rs 2,16,564 lakh, a YoY increase of 34.6% from Rs 1,60,898 lakh and a QoQ increase of 16.7% from Rs 1,85,600 lakh. Profit After Tax (PAT): PAT for Q4FY26 grew 54% YoY to Rs 261 crore (Rs 26,116 lakh) from Rs 170 crore (Rs 16,974 lakh) and grew 37.9% QoQ from Rs 189 crore (Rs 18,943 lakh). Adjusted EBITDA: Improved by 89% YoY to Rs 280 crore in Q4FY26 from Rs 148 crore in Q4FY25. Standalone Financial Highlights:: Total Income: For the full year FY26, standalone total income was Rs 42,171 lakh compared to Rs 41,201 lakh in FY25. Revenue from Operations: Annual standalone revenue grew to Rs 20,837 lakh in FY26 from Rs 15,344 lakh in FY25. Profit After Tax (PAT): Standalone PAT for FY26 stood at Rs 4,144 lakh compared to Rs 1,253 lakh in FY25. Quarterly PAT: For Q4FY26, standalone PAT reached Rs 1,778 lakh, showing a turnaround from a loss of Rs 1,671 lakh in Q4FY25, and a QoQ growth of 12.9% from Rs 1,575 lakh in Q3FY26. Business Highlights Insurance Premium Scale: Total Insurance Premium for the full year reached Rs 29,934 crore, up 42% YoY. Q4FY26 premium grew 46% YoY to Rs 9,217 crore. Lending Disbursal Scale: Total Lending disbursal for FY26 reached Rs 30,740 crore, up 50% YoY. Q4FY26 core online lending disbursal grew 11% QoQ. Core Insurance Renewal: Renewal/trail revenue on a 12-month rolling basis stood at Rs 935 crore, a 40% YoY growth. The quarterly core insurance renewal revenue is at an ARR of Rs 1,126 crore, up from Rs 689 crore in Q4 last year. Consumer Reach: Policybazaar has 145.7 million registered consumers till date, with 26.4 million transacting consumers. Paisabazaar has 58.5 million credit score consumers. UAE Business: The UAE Insurance premium grew 54% YoY in FY26. This business is profitable for the full year for the first time in FY26. Segment-wise Performance: Insurance Broker Services: Revenue grew 41.7% YoY to Rs 6,08,928 lakh in FY26 from Rs 4,29,798 lakh. Segment result improved to Rs 86,076 lakh in FY26. Other Services: Revenue stood at Rs 70,474 lakh in FY26 compared to Rs 67,923 lakh in FY25. New Initiatives: PB Partners, the agent aggregator platform, Consolidated its leadership with over 450k advisors and is present in 19k pin codes, covering 99% of pin codes in India. Investment: The Board authorized an investment of up to Rs 5 crore in PB Marketing and Consulting Private Limited to meet net worth criteria for a stockbroking license. Management Commentary: Our Total Insurance Premium for the full year was Rs 29,934 crore, up 42% YoY, led by growth in core online new protection business at 57% YoY (new Health insurance up 68% YoY). Quarterly Insurance Premium was at Rs 9,217 crore, up 46% YoY again led by growth in core online new protection business at 67% YoY. FY26 Consolidated operating revenue grew 37% YoY to Rs 6,794 crore (Core Insurance revenue up 41% YoY); Quarterly Consolidated Operating Revenue grew 37% to Rs 2,061 crore (Q4FY26 Core Insurance revenue up 48% YoY; Q4FY26 Core credit revenue, up 7% YoY). Our core renewal / trail revenue on a 12-month rolling basis is at Rs 935 crore, up from Rs 668 crore last year same quarter, a 40% growth led by growth of 55% in the insurance segment. The quarterly core insurance renewal revenue is at an ARR of Rs 1126 crore, up from Rs 689 crore Q4 last year (growth of 63% YoY). This is a key driver of long-term profit growth. Growth accelerated for Q4FY26 Core New Insurance Premium (net of Savings business) at 59% YoY. Core New Insurance Premium (Including Savings) grew 48% YoY for the quarter. Excluding Savings category, we have been growing between 34% to 59% for the last 12 quarters. We continue to improve our customer onboarding & claims support services and Insurance CSAT is consistent above 90%. Our credit revenue for the quarter is Rs 123 crore, up 7% YoY and disbursal is at Rs 2,630 crore, up 11% YoY for the core online business. We continue to strengthen our leadership in New initiatives in FY26 with full year revenue growth of 43% YoY, adjusted EBITDA margin improving from -9% to -4% for the year, with 5% contribution margin. PB Partners, our agent aggregator platform, consolidated its leadership & accelerated growth momentum with over 450k advisors. We have moved the business increasingly towards smaller and higher quality advisors. Most diversified across different lines of businesses. Present in 19k pin codes across India, covering 99% of pin codes in India – driving growth in Tier 4 & 5 towns. FY26 UAE Insurance premium grew 54% YoY & aligning more towards health & life insurance, similar to our India business. We have unique value proposition of cross-border health insurance products & Claims assurance program for motor insurance. This business is profitable for the full year for the first time in FY26. Our consolidated FY26 PAT for PB Fintech grew 115% YoY to Rs 670 crore (PAT margin grew from 6% in FY25 to 10% in FY26). This is 2.2% of the insurance premium. Quarterly PAT grew 54% to Rs 261 crore. To summarize our performance since our public listing in Nov 2021: Revenue grew at a CAGR of 48% from Rs 1,425 crore in FY22 to Rs 6,794 crore in FY26. PAT margin grew from -58% in FY22 to 10% in FY26. Result PDF

• ટ્રેન્ડલાઇન
• 3 અઠવાડિયા 1 દિવસ પહેલાં

પ્લેટફોર્મ, જે સપ્ટેમ્બર 2025 માં શાખા દ્વારા ગિફ્ટ સિટીમાં વિસ્તૃત થયું છે, તેણે 35 દેશોમાં NRI ને US ડૉલરમાં દર્શાવેલ ઇન્વેસ્ટમેન્ટ-લિંક્ડ ઇન્શ્યોરન્સ પ્રૉડક્ટને ઍક્સેસ કરવામાં સક્ષમ બનાવ્યું છે

• બિઝનેસ લાઇન
• 1 month ago