PB Fintech Q2 FY26 Profit Soars 164% to ₹135 Crore — Digital Finance Boom Continues
PB Fintech, the holding company of Policybazaar and Paisabazaar, delivered a strong set of results for the quarter ended September 30, 2025. Consolidated revenue surged to ₹1,613.5 crore, marking a 38% year-on-year (YoY) growth, while profit after tax (PAT) jumped an impressive 164% YoY to ₹135 crore. Sequentially, revenue rose 20% compared to the previous quarter’s ₹1,348 crore, underscoring continued traction across its insurance and lending platforms.
Financial Snapshot — Q2 FY26 Highlights
| Metric | Q2 FY26 | Q2 FY25 | YoY Change |
| Revenue (₹ Cr) | 1,613.5 | 1,167 | +38% |
| Profit After Tax (₹ Cr) | 135 | 51 | +164% |
| Sequential Revenue Growth | +20% | — | QoQ Basis |
| Operating EBITDA Margin | 12% | 8% | Improved |
The improvement in profitability reflects cost control measures, higher premium conversions, and a growing base of repeat customers on both Policybazaar and Paisabazaar platforms.
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Revenue Drivers and Segment Performance
- Insurance Aggregation: Policybazaar’s platform benefited from a rise in term and health insurance policies, with renewal revenues contributing significantly to the margin uplift.
- Lending Marketplace: Paisabazaar’s credit card and personal loan segments witnessed a 45% YoY increase in disbursals, aided by improved bank partnerships and fintech integrations.
- Digital Adoption: Over 80% of new customers were acquired via app-based journeys, showing strong brand trust and a shift toward self-directed financial decision-making.
Operational and Strategic Highlights
- Cost Optimization: Marketing spends reduced as a percentage of revenue due to organic brand pull and referral-based acquisition.
- Technology Efficiency: Deployment of AI chat support and claim tracking tools improved service delivery time by 22%.
- Partnership Expansion: Over 70 insurance and 25 lending partners now operate on PB Fintech’s ecosystem.
- International Plans: The company plans to expand its NRI-focused insurance offerings in FY26–27.
Peer Comparison — Digital Financial Platforms
| Company | Revenue (₹ Cr) | PAT (₹ Cr) | YoY Growth |
| PB Fintech (Policybazaar) | 1,613.5 | 135 | +164% |
| One97 Communications (Paytm) | 2,490 | 38 | Turnaround |
| Zomato (Fintech Vertical) | 1,180 | 28 | +70% |
PB Fintech remains a clear outperformer in profitability and scale among India’s listed digital-first financial platforms.
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SWOT Analysis — PB Fintech
| Strengths | Weaknesses |
| Strong brand trust and high repeat customer ratio. | Dependence on regulatory stability and commission rates. |
| Diversified platform across insurance and credit products. | Heavy competition from new-age fintech entrants. |
| Improving profitability with leaner marketing costs. | Limited overseas revenue diversification so far. |
Investor Takeaway
Indian-Share-Tips.com Nifty Expert Gulshan Khera, CFP®, who is also a SEBI Regd Investment Adviser, highlights that PB Fintech’s consistent revenue momentum and margin improvement reinforce its leadership in India’s digital insurance and lending market. With rising internet penetration and customer awareness, the company’s growth trajectory appears sustainable in the medium term.
However, valuation remains elevated, and investors should watch for regulatory developments and competitive dynamics from bank-led digital platforms. Long-term investors may consider staggered accumulation during corrections, as profitability and scalability trends remain strong.
Discover more sector insights and fintech stock guidance at Indian-Share-Tips.com, which is a SEBI Registered Advisory Services.
Related Queries
- Is PB Fintech’s profitability sustainable beyond FY26?
- How is Policybazaar positioned against Insurtech competitors?
- What drives margin expansion in digital financial platforms?
SEBI Disclaimer: The information provided in this post is for informational purposes only and should not be construed as investment advice. Readers must perform their own due diligence and consult a registered investment adviser before making any investment decisions. The views expressed are general in nature and may not suit individual investment objectives or financial situations.
Written by Indian-Share-Tips.com, which is a SEBI Registered Advisory Services.
