PB Fintech Ltd.'s consolidated net profit more than doubled in the fourth quarter of financial year 2025, beating analysts' estimates.
The company posted a bottom line of Rs 171 crore in the quarter ended March, according to an exchange filing on Thursday. Analysts tracked by Bloomberg had a consensus estimate of Rs 134 crore.
PB Fintech Q4 FY25 Highlights (Consolidated, QoQ)
Revenue up 17% to Rs 1,508 crore versus Rs 1,292 crore (Bloomberg estimate: Rs 1,472 crore).
Ebitda of Rs 113 crore versus Rs 28 crore.
Margin expands to 7.5% versus 2.1%.
Net profit up 139% to Rs 171 crore versus Rs 71.5 crore (Bloomberg estimate: Rs 134 crore).
The total insurance premium for the quarter stood at Rs 7,030 crore, marking a 37% uptick year-on-year. This rise was led by growth in new health.
While the company's core insurance revenue was up 46% on a year-on-year basis, its core credit revenue had declined 21%.
The renewal or trail revenue stood at an annual recurring revenue of Rs 817 crore. This marks a 42% uptick from the ARR of Rs 577 crore in the same quarter last year. This is a key driver of long-term profit growth.
PB Fintech's health business continued to grow, but the company saw a slowdown in the savings business given the broader market conditions.
The board of the company approved plans to invest Rs 20 crore in PB Pay Pvt., a wholly owned subsidiary.
Shares of PB Fintech closed 1.3% higher at Rs 1,777.7 apiece on the NSE, compared to a 1.6% advance in the benchmark Nifty. The share price has declined 15.7% on a year-to-date basis and risen 39.79% in the last 12 months.
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