PB Fintech Q1 FY27: Insurance Premium Surges 41% to ₹8,372 Cr, PAT Jumps 92% to ₹163 Cr
PB Fintech's Q1 FY27 results show a 41% YoY increase in insurance premium to ₹8,372 Cr and a 92% YoY jump in PAT to ₹163 Cr. Consolidated revenue grew 40% to ₹1,888 Cr. The company highlighted strong growth in health and term insurance and its credit business. Management expressed confidence in continued growth.
The substantial growth in revenue and PAT, coupled with strong performance across core business segments like insurance and credit, indicates a significant positive impact on the company's financial standing and market position.
The company reported significant year-on-year growth in key financial metrics like insurance premium, revenue, and profit after tax, along with improved margins. This strong performance indicates positive business momentum and financial health.
PB Fintech Limited reported a strong Q1 FY27 performance, with overall insurance premium growing 41% year-on-year to ₹8,372 crore. This growth was primarily driven by protection categories, where new health and term insurance saw a 53% increase. The company's consolidated operating revenue rose by 40% to ₹1,888 crore, with core insurance revenue up 46% and core credit revenue up 25% year-on-year.
Consolidated Profit After Tax (PAT) surged by 92% to ₹163 crore, improving the PAT margin from 6% to 9%. For the last 12 months, PAT stood at approximately ₹750 crore. The company highlighted its consistent growth in total new premium, excluding savings, which has been above 35% for the past 13 quarters. Renewal revenue also showed significant growth, increasing by 55% to ₹1,003 crore.
In the credit business, core revenue grew by 25% with disbursals reaching ₹4,366 crore for the quarter, up 33%. PB Partners saw its Gross Written Premium (GWP) from Tier 2 and Tier 3 cities increase to 78%, with active partners growing 55% year-on-year to 1.13 lakh. The UAE insurance premium also grew by 31% year-on-year.
The company emphasizes its focus on customer service and claims support, handling approximately 70,000 health insurance claims in the quarter. Management expressed confidence in sustained growth, projecting a CAGR of 51% in quarterly revenue over the last five years and an improvement in PAT margin from -47% to 9%.
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PB Fintech Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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