PB Fintech Q3 FY26: PAT surges 165% YoY to ₹189 Cr, Revenue up 37% to ₹1,771 Cr
PB Fintech reported a strong Q3 FY26 with PAT surging 165% YoY to ₹189 Cr and revenue growing 37% YoY to ₹1,771 Cr. Total Insurance Premium increased by 45% YoY to ₹7,965 Cr, while lending disbursal grew 84% YoY to ₹9,986 Cr. Adjusted EBITDA rose 154% YoY to ₹199 Cr.
The substantial year-on-year growth in PAT and revenue, along with strong performance in insurance premiums and lending, is material information for investors and is likely to have a significant impact on the company's stock.
The company reported significant year-on-year growth in key financial metrics, including PAT, revenue, and insurance premium, indicating a positive financial performance.
PB Fintech Limited announced its un-audited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025. The Board of Directors approved these results during a meeting held on February 02, 2026, which commenced at 03:15 P.M. (IST) and concluded at 04:55 P.M. (IST).
The company reported a significant increase in Profit After Tax (PAT), which grew by 165% year-on-year (YoY) to ₹189 Crore for the third quarter of fiscal year 2026. This compares to a PAT of ₹71 Crore in the same quarter of the previous fiscal year.
Operating revenue for the quarter stood at ₹1,771 Crore, marking a 37% YoY growth. The company also saw a substantial increase in Adjusted EBITDA, which grew by 154% YoY to ₹199 Crore, with the margin improving from 6% to 11%.
Total Insurance Premium for the quarter reached ₹7,965 Crore, a 45% YoY increase, driven by a 68% YoY growth in new protection premiums (Health + Term Insurance). Lending disbursal also showed strong performance, growing by 84% YoY to ₹9,986 Crore.
The company highlighted that its core renewal/trail revenue on a 12-month rolling basis was ₹841 Crore, up 38% YoY. The press release also noted that the UAE insurance premium grew by 62% YoY and has been consistently profitable for four consecutive quarters.
Summarizing its performance since its public listing in November 2021, PB Fintech reported a revenue CAGR of 48% and a PAT margin improvement from -81% to 11%. The company's investor relations website, www.pbfintech.in, will host the detailed results and earning release.
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