PB Fintech Limited — Q2FY27 earnings call summary

Filed 04 November 2026 · Official transcript

Cost discipline emphasized amid tougher demand; growth remains critical with focus on scale and customer proposition
PB Health progressing on plan; revenue run rate expected ₹40-45 Cr/month by March 2027
AI investments improving efficiency, lead conversion, and cost control over next 12-18 months
POSP business uncertain under new regulations; awaiting final rules for clarity
Q2FY27 consolidated operating revenue grew 35% to ₹2,178 Cr; PAT grew 43% to ₹192 Cr with margin improving to 9%
Insurance premium grew 38% YoY to ₹9,385 Cr; core online new health and term grew 42% YoY
IRDAI consultation paper aims to reduce mis-selling and improve claims; Policybazaar supports and will comply fully
PB Partners, UAE business, and PB for Business revenue up 40%, nearing break-even