PB FINTECH LIMITED

Management reported a strong start to FY27, with overall insurance premium growth at 41% year-on-year, reaching ₹8,372 Cr. New health and term insurance premiums grew at 53% and 59%, respectively. Consolidated operating revenue increased by 40% to ₹1,888 Cr, while consolidated PAT rose 92% year-on-year to ₹163 Cr, with a PAT margin improvement from 6% to 9%. The management highlighted a significant increase in renewal revenue, which grew 55% to ₹1,003 Cr over the last 12 months. The credit business also showed growth, with core revenue up 25% and disbursals at ₹4,366 Cr. The management emphasized the importance of customer service and technology in driving growth, noting a 90% customer satisfaction rate. They also discussed the expansion of their advisor network and the growth of their UAE insurance business by 31%. Overall, management expressed confidence in maintaining strong momentum across their operations.

Management emphasized strong growth and positive performance metrics throughout the earnings call.