PB Fintech Q3 FY26 PAT Soars 165% YoY to ₹189 Cr; Revenue Up 37%
PB Fintech reported a 165% YoY increase in Q3 FY26 PAT to ₹189 Cr and a 37% YoY rise in revenue to ₹1,771 Cr. Total insurance premium grew 45% YoY to ₹7,965 Cr, driven by a 68% YoY increase in new protection premiums. Lending disbursals were up 84% YoY to ₹9,986 Cr. Adjusted EBITDA grew 154% YoY to ₹199 Cr.
The significant increase in profit and revenue, along with robust growth in core business segments like insurance premiums and lending, has a substantial positive impact on the company's financial health and investor confidence.
The company reported strong year-on-year growth in key financial metrics including PAT, revenue, and insurance premiums, indicating positive business performance.
PB Fintech Limited announced its unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025. The Board of Directors, in a meeting held on February 02, 2026, approved these results.
For the third quarter of FY26, the company reported a significant 165% year-on-year increase in Profit After Tax (PAT), reaching ₹189 Crore, up from ₹71 Crore in Q3 FY25. This surge was accompanied by a 37% year-on-year growth in operating revenue, which stood at ₹1,771 Crore. The Adjusted EBITDA also saw a substantial jump of 154% year-on-year to ₹199 Crore, with the margin improving from 6% to 11%.
Total insurance premium for the quarter grew by 45% year-on-year to ₹7,965 Crore, with new protection premiums (Health + Term Insurance) rising by 68% year-on-year. Lending disbursal also showed strong performance, increasing by 84% year-on-year to ₹9,986 Crore.
The company highlighted that its core renewal/trail revenue on a 12-month rolling basis was ₹841 Crore, a 38% growth year-on-year. The consolidated PAT margin improved to 11% in Q3 FY26 from 6% in Q3 FY25. Since its public listing in November 2021, PB Fintech has achieved a revenue CAGR of 48% and a PAT margin growth from -81% to 11%.
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